Terms and Conditions

1. Scope and definitions

These Terms apply to all products and services provided by Stablebean. Stablebean is a stablecoin-backed spending voucher within a specific ecosystem; 1 bean = 1U. Codes are non-revocable, non-transferable, and for spending only.

2. Services

• Users purchase codes with an email and can pay via USDT on-chain transfer or agent fiat pay.
• Merchants verify and redeem codes via API and settle after fees.
• Agents pre-deposit into escrow and provide fiat pay to users at their own rates.

3. Accounts and applications

• Regular users do not need to register; only an email is required.
• Merchants/agents must apply and be approved to use related features.
• You must provide true, accurate, and complete information and keep it updated.

4. Orders and payments

• Single code value does not exceed 50U; orders are typically valid for 30 minutes.
• Ensure the correct chain (BSC/POL) and address for on-chain transfers; wrong chain may cause loss.
• Agent fiat pay is peer-to-peer transfer; pay using the agent details and confirm.
• On-chain transactions are irreversible; exchange withdrawals may incur fees and delays.

5. Codes and redemption

• Codes can only be redeemed by the corresponding merchant and are not transferable or revocable.
• Once redeemed, a code cannot be used again.
• Merchants must protect API credentials to prevent leakage or abuse.

6. Fees and settlement

• Merchant redemption charges 0.5%~1% fees; the actual rate follows admin settings.
• Agents may set reasonable exchange rates; the platform covers on-chain gas costs.
• If settlement chain/address is incomplete, settlement may be paused until corrected.

7. Risk control and limits

• Agents and merchants are subject to manual review and blacklist screening.
• The platform may limit or suspend transactions, quotas, or access based on risk control.
• Suspected fraud, money laundering, sanctions violations, or other illegal activity will be refused.

8. Disclaimer

• We do not provide investment advice; Stablebean is for consumption scenarios only.
• Losses caused by incorrect addresses, wrong chains, or third-party platforms are borne by users.
• Services may be affected by blockchain network volatility or third-party services; the platform is not liable for delays or interruptions.

9. Changes and termination

We may update these terms and publish them on the platform. Continued use indicates acceptance. For serious violations or risks, we may suspend or terminate service.