Legal

Terms of Service

LAST UPDATED · MAY 15, 2026

These Terms of Service (the “Terms”) govern your access to and use of the Denaro payment rail (“Denaro,” “we,” “us”) operated by DDG. By integrating with or otherwise using Denaro, you agree to these Terms on behalf of the approved DDG portfolio service you represent (“Service,” “you”).

1. Eligibility & Access

Denaro is internal infrastructure restricted to portfolio services approved by DDG. Access is granted per service after a compliance and integration review and may be revoked at any time, with or without notice, where required to protect customers, processor relationships, or the integrity of the ledger.

2. Acceptable Use

You agree not to use Denaro to:

  • process payments for goods or services prohibited by our card processors or by applicable law;
  • obscure the identity of the underlying merchant, customer, or beneficial owner of funds;
  • circumvent rate limits, idempotency, or signing requirements documented in the API;
  • share, sublicense, or otherwise expose Denaro API credentials to parties outside your service.

3. API Credentials

API keys are issued per service and per environment. You are responsible for the confidentiality of your secret keys and for all activity that occurs under them. You must rotate any key you suspect has been exposed and notify us within 24 hours of discovery.

4. The Ledger

Denaro’s append-only ledger is the system of record for every money movement processed through the rail. In any conflict between records held by your service and the ledger, the ledger controls, subject to good-faith reconciliation by both parties.

5. Fees & Settlement

Processor fees are passed through at cost. Settlement timing follows the processor’s schedule for the underlying payment method. Denaro may withhold or delay settlement where required by our processors, by law, or where reconciliation has surfaced an unresolved exception affecting your balance.

6. Compliance

You will comply with all applicable laws and card network rules, including (where relevant) PCI-DSS, BSA/AML, OFAC, and consumer-finance regulations governing your service. You will respond to information requests from DDG compliance within the timeline specified.

7. Data

Each service’s data is logically segregated. We process payment data on behalf of your service strictly to operate the rail, comply with legal obligations, and produce the auditing records both parties depend on. Our handling of personal data is described in the Privacy Policy.

8. Availability

We target the service levels published on the status page, but Denaro is provided on an as-available basis and we do not guarantee uninterrupted operation. You will design your integration to tolerate transient errors and to retry idempotently.

9. Termination

Either party may terminate access with written notice. We may suspend or terminate access immediately if continued operation would risk customer harm, processor sanction, or material non-compliance. Outstanding balances will be reconciled and settled on the next regularly scheduled payout cycle.

10. Disclaimers

Denaro is provided “as is.” To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

Our aggregate liability arising out of or relating to Denaro will not exceed the processor fees we collected from your service in the three months preceding the event giving rise to the claim. We are not liable for indirect, incidental, special, or consequential damages.

12. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated through the operator email on file for your service at least 14 days before they take effect.

13. Contact

Questions about these Terms can be sent to your DDG portfolio contact or to support@denaro.money.