General Terms and Conditions

1. DEFINITION AND NATURE OF THE SERVICE

FastPay Express is a decentralized digital technological infrastructure that allows for the registration, verification, and visualization of transactions carried out using the XBLC token on the Binance Smart Chain (BEP-20).

FastPay Express:

• Is NOT a bank.
• Is NOT a financial institution.
• Is NOT a regulated payment entity.
• Is NOT an exchange.
• Is NOT a custodian.
• Is NOT a broker.
• Does NOT manage assets.
• Does NOT collect funds from the public.
• Does NOT act as a financial intermediary.
• Does NOT offer financial products or securities.

It operates exclusively as a technological platform for the registration and monitoring of transactions on a public blockchain.

2. NON-CUSTODIAL MODEL

All transactions occur:

• Directly between digital wallets.
• On the public BEP-20 blockchain.
• Without the intervention of FastPay Express.

The platform:

• Does NOT have access to private keys.
• CANNOT freeze funds.
• CANNOT reverse transactions.
• Does NOT control wallets.
• Does NOT execute transfers.

The user maintains exclusive and absolute control over their digital assets.

3. ELIGIBILITY AND RISK ACCEPTANCE

By registering, the user declares:

• To be of legal age.
• To have legal capacity.
• To understand the nature of digital assets.
• To understand the crypto market volatility.
• To accept the total risk of loss of value.
• To act under their own criteria.

The user acknowledges that crypto-assets are highly volatile, are not government-backed, have no deposit insurance, no guaranteed price, and may lose all their value.

4. TECHNOLOGICAL MAINTENANCE FEE

The monthly fee of USD $10 constitutes a payment for digital infrastructure technological services. This includes continuous development, technical support, server maintenance, smart contract supervision, Back Office updates, and security monitoring.

This fee is NOT an investment, does NOT generate equity participation, does NOT generate expectation of return, is NOT refundable, and does NOT constitute a financial instrument.

5. LOYALTY PROGRAM AND CASHBACK

FastPay Express may grant variable incentives in XBLC as a loyalty program. These incentives are discretionary, variable, non-contractual, NOT guaranteed, and may be modified or suspended at any time. Cashback depends on the global performance of the ecosystem and does not create a fixed payment obligation.

6. XBLC TOKEN AND REFLECTION

The XBLC token operates under a smart contract independent of FastPay Express. "Reflection" is encoded on the blockchain, is automatic, and is not manually managed. FastPay Express does not control tokenomics nor guarantees its behavior.

7. STABILITY MECHANISM (10% / 15 DAYS)

The XBLC smart contract implements automatic technical limitations: a maximum transfer limit of 10% of the balance and a 15-day cooling-off period. These rules are technical and automatic; they do not constitute a guarantee of stability.

8. NO SECURITIES OFFERING

Participation in FastPay Express and the use of the XBLC token do NOT constitute a public offering of securities, an investment contract, or a security under the Howey test. The user participates by their own decision in a decentralized technological environment.

9. LIMITATION OF LIABILITY

FastPay Express shall not be liable for: loss of token value, user errors, blockchain failures, external wallet hacks, regulatory changes, or government freezes. The maximum liability of FastPay Express is limited to the amount effectively paid for technological services in the last 30 days.

10. REGULATORY COMPLIANCE

Each user is responsible for complying with the regulations of their country, declaring corresponding taxes, and evaluating the local legality of using crypto-assets. FastPay Express does not offer tax or legal advice.

11. TERMINATION AND SUSPENSION

The platform may suspend accounts for improper use, cancel access for fraudulent activity, or modify services without additional compensation obligations.

12. MODIFICATIONS

FastPay Express may modify these terms at any time. Continued use implies automatic acceptance.

13. JURISDICTION AND ARBITRATION

Any dispute will be resolved through private arbitration under the applicable law defined by the operating entity, with an express waiver of class action lawsuits.

14. FINAL DECLARATION

The user acknowledges participating in a technological infrastructure, assuming crypto market risks. There is no promise of income, no guarantee of appreciation, and no obligation of profitability. FastPay Express is a decentralized technological platform, not a financial entity.