Terms of Service

Important legal disclaimer, please read

HOT PAY is not a money transmission service, payment institution, or custodial service.

All transactions executed via the platform occur directly on-chain between the user and the merchant, without intermediaries. Payments are processed through smart contracts, and funds move peer-to-peer at the protocol level.

Non-Custodial Architecture

• HOT PAY does not custody, hold, control, or manage user or merchant funds.

• The platform cannot freeze, block, reverse, or seize any on-chain assets.

• All funds remain under the full control of their respective owners at all times.

Open-Source Protocol

• All core smart contract code is open source and publicly auditable.

• HOT PAY provides infrastructure and tooling only and does not control how the protocol is used.

• The platform is not responsible for misuse, abuse, or illegal activity conducted by third parties.

No Transaction Guarantees

• Transactions are executed according to the logic of deployed smart contracts and the underlying blockchains.

• HOT PAY does not guarantee transaction finality, execution speed, or success beyond what is provided by the underlying networks.

Underlying Infrastructure

The platform is built on top of:

• NEAR OmniBridge

• NEAR Intents

HOT PAY acts solely as a technical interface to these decentralized protocols.

Responsibility

By using HOT PAY, merchants and users acknowledge that:

• They are solely responsible for complying with applicable laws and regulations.

• They understand the risks associated with blockchain transactions and smart contracts.