Last updated: April 2026
XPTP ("Service") is a non-custodial cryptocurrency payment detection and forwarding service. The Service monitors blockchain networks for incoming transfers, verifies transaction confirmations, and forwards funds to merchant-designated wallet addresses minus applicable fees.
XPTP does not provide wallet hosting, maintain user balances, offer exchange services, or hold long-term custody of funds. Funds are held momentarily for transaction verification before automatic disbursement to the merchant. XPTP is not a money transmitter, financial institution, bank, or custodial service.
By using this service, whether as a merchant integrating the API or as a payer sending cryptocurrency through a payment page, you agree to these terms in full. If you do not agree, do not use the service.
Merchants create payments through the API. Each payment generates a unique cryptocurrency amount that must be sent to a designated wallet address. Once the transfer is detected and confirmed on-chain, funds are automatically routed to the merchant's specified wallet address minus a 0.5% service fee. The merchant is notified via a signed webhook following the Standard Webhooks specification. Webhook delivery is retried up to 6 times over approximately 1 hour.
Payments are matched by their exact unique amount. If you send an incorrect amount (too much, too little, or a rounded figure), the payment will not be matched and will not be credited to the associated order. XPTP is not responsible for recovering funds sent in incorrect amounts. Recovery of incorrectly sent funds is not guaranteed and is handled on a case-by-case basis at our sole discretion.
Cryptocurrency transactions are irreversible by nature. Once a payment has been sent and confirmed on the blockchain, it cannot be reversed, cancelled, or charged back. XPTP does not offer refunds for completed payments. Any refund arrangement is strictly between the merchant and the payer.
Each payment has a 4-hour expiration window. If the required amount is not received within this window, the payment expires and can no longer be completed. Any funds sent after expiration may not be matched and may be treated as orphaned funds.
Transfers received at the designated wallet address that do not match any active payment are classified as orphaned. This includes payments sent after expiration, payments with incorrect amounts, and unsolicited transfers. As a non-custodial forwarding service, XPTP does not maintain custody of orphaned funds. Where technically feasible, XPTP will attempt to return orphaned funds to the originating address. However, due to the nature of blockchain transactions, return is not always possible and is not guaranteed.
XPTP charges a 0.5% fee on all completed payments. The remaining 99.5% is paid out to the merchant's designated wallet address. Payouts are processed automatically on an hourly basis. XPTP does not guarantee specific payout timing and is not liable for delays caused by network congestion, gas price spikes, or temporary service disruptions. Failed payouts are retried in subsequent cycles.
Merchants may include an analytics secret when creating payments to access a self-service analytics dashboard showing payment volume, completion rates, and transaction history. The analytics secret is chosen by the merchant and must meet minimum complexity requirements (8+ characters, mixed case, digit, symbol). XPTP stores only a cryptographic hash of the secret. If you lose your analytics secret, XPTP cannot recover it. Analytics data is subject to the same 7-day retention policy as all other payment data.
For non-stablecoin payments (ETH, SOL, MATIC, etc.), the cryptocurrency amount is calculated at the time the payer selects their payment method, based on current market prices. XPTP does not guarantee the USD value of the cryptocurrency at the time of payout. The merchant bears the risk of price fluctuation between payment receipt and payout execution.
XPTP aims to maintain high availability but does not guarantee uninterrupted service. Downtime may occur due to maintenance, provider outages, blockchain network issues, or other factors outside our control. XPTP is not liable for any losses resulting from service unavailability, delayed payment detection, or delayed payouts.
You may not use XPTP for any illegal purpose, including but not limited to: money laundering, terrorist financing, sanctions evasion, fraud, ransomware or extortion payments, Ponzi or pyramid schemes, illegal gambling operations, darknet marketplace transactions, sale of controlled substances, arms trafficking, child exploitation material, violation of export controls, or the sale of any prohibited goods or services under applicable law. We reserve the right to refuse service, block transactions, or report suspicious activity to relevant authorities.
Merchants are solely responsible for compliance with all applicable laws and regulations in their jurisdiction, including tax reporting, consumer protection, and any licensing requirements related to accepting cryptocurrency payments. XPTP does not file tax forms (including IRS Form 1099-K or equivalent) on behalf of merchants. Merchants are responsible for reporting all income received through the Service to the appropriate tax authorities. XPTP provides payment detection and forwarding infrastructure only and does not provide legal, tax, or compliance advice.
To the maximum extent permitted by law, XPTP's total liability for any claim arising from use of the service is limited to the service fees (0.5%) collected on the specific transaction(s) in question. XPTP is not liable for indirect, incidental, consequential, or punitive damages, including lost profits, lost funds due to user error, or business interruption.
XPTP screens wallet addresses against publicly available sanctions lists including the OFAC Specially Designated Nationals (SDN) list, as well as commercial risk assessment tools. Transactions involving addresses identified on such lists or flagged as high-risk will be rejected. XPTP reserves the right to identify, verify, and refuse service to any user, address, or party at its sole discretion and without prior notice. For details, see our AML/KYC Policy.
Users acknowledge that cryptocurrency regulations vary by jurisdiction. You are solely responsible for determining whether your use of the Service complies with applicable laws, including but not limited to anti-money laundering (AML), know-your-customer (KYC), and tax reporting requirements. XPTP does not provide regulatory, legal, or tax advice.
By accessing or using the Service, you represent and warrant that:
The Service does not operate in, target, or solicit users from the United States or sanctioned jurisdictions. We reserve the right to terminate service to any user we reasonably believe violates these restrictions.
These Terms shall be governed by and construed in accordance with the laws of Saint Vincent and the Grenadines. Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered in Saint Vincent and the Grenadines. You agree to submit to the exclusive jurisdiction of the courts of Saint Vincent and the Grenadines for any matters not subject to arbitration.
We may update these terms at any time. Continued use of the service after changes are posted constitutes acceptance of the updated terms. Material changes will be noted by updating the date at the top of this page.