Terms of use$1

The Russian version of this document is the legally binding one. Translations are provided for convenience.

This is an agreement between you and Nexus Pay. It is written in ordinary language: if a condition can be understood in two ways, it is written badly, and we will rewrite it.

In effect from 17 August 2026

01About the service

Nexus Pay is a wallet for cryptocurrency with the option to issue a payment card. Inside the wallet you can hold assets, swap them between each other and pay by card.

The service is operated bylegal entity name, registered atregistered address.

02Who may use it

You may open an account if you at the same time:

• are 18 or older;
• are acting on your own behalf and not on anyone’s instruction;
• are not in a country under international sanctions and are not on sanctions lists.
• are entitled under the laws of your country to hold cryptocurrency and to carry out operations with it;

Checking the laws of your own country is your job. We physically cannot know the requirements of every jurisdiction our users live in.

03Access to the account

Sign-in is possible through Telegram or Google. Both methods can be attached to one account: it is one account with one balance and two doors into it.

Everything done after sign-in counts as done by you. If access to your Telegram or Google is lost to someone else, access to the account is lost with it.

If you notice a sign-in that was not yours, write to support at once. We can suspend the account until the circumstances are clear.a transfer already sent cannot be brought back.

04Operations with assets

A top-up is credited after the network confirms the transfer. The number of confirmations depends on the blockchain and is not something we control.

A swap inside the wallet runs at the exchange rate at the moment of confirmation. The rate moves, so the amount you see before confirming may differ from the amount at the moment the request completes.

We may hold an operation if it raises suspicion of money laundering or of financing prohibited activity, until the circumstances are clarified.

05Fees

The fees are the same for everyone, and we take no hidden markup on the swap rate.

On top of our fees there arenetwork fees: the blockchain charges for the transfer, and the ATM owner charges for dispensing cash. Those amounts are not ours and we cannot state them in advance.

The card issue price depends on the plan and is shown when ordering.

06Cards

The card is issued by a licensed partner organisation (issuer name). By using the card you also accept its rules — they arrive together with the card.

The card works within the balance: it is not a credit card and it cannot go negative. If the balance is not enough, the payment is declined.

A merchant may refuse the payment, and the acquiring bank may block the operation. Those decisions are theirs and are not made by us.

07Identity verification

For issuing a card and for operations above the set thresholds, the law requires identity confirmation. This is not our choice and no issuer can go around it.privacy policy.

Until verification is complete, some features are unavailable. If the data raises doubts, we may ask for additional documents or refuse to issue a card.

08What must not be done

• Using the service for money laundering, financing terrorism or paying for prohibited goods and services.
• Opening an account in someone else’s name or handing access to third parties.
• Carrying out operations in another person’s interest without saying so.
• Attempting to reach other people’s accounts or the internal systems of the service.
• Automating work with the service by means the interface does not provide for.

Breaking any of these points is grounds to suspend the account immediately and to pass the information to the authorities where the law requires it.

09Risks and responsibility

A crypto rate changes without limit.The value of your balance can fall at any moment and by any amount.

We are responsible for the working of the service, but not for:

• your decisions to buy, sell or swap assets;
• transfers to a wrong address or on a wrong network;
• failures and delays in blockchain networks;
• the actions of banks, payment systems and merchants;
• loss of access to your Telegram or Google;
• profit lost because an operation could not be made at a particular moment;

We aim for uninterrupted service but do not guarantee it without breaks: maintenance, provider failures and blockchain congestion happen.

10Suspension and closure

You may close the account at any time, having first withdrawn your funds. Records we are obliged to keep by law remain with us for the required period.

We may suspend or close an account if:

• these terms have been broken;
• the law or a decision of an authorised body requires it;
• there is reasonable suspicion of fraud;
• you have refused to pass the mandatory identity check.

Funds not affected by an investigation or a court decision remain available for withdrawal.

11Changes to the terms

These terms may change: new features appear, legal requirements change. We publish the current version on this page and state the date it takes effect.

If the new terms do not suit you, you may close the account and withdraw your funds before they take effect. Continuing to use the service counts as acceptance.

12Contact us

Support works inside the app — there the correspondence is tied to your account, and we do not have to ask who you are.t.me/nexuspaymybot.

Official correspondence:registered address and email.

Disputes are settled under the law ofjurisdiction. Before going to court, please write to us: almost everything is settled by correspondence.