Terms of Service

Last Updated: August 28, 2026

1. Acceptance of Terms

By creating an account, accessing, or using MSU Pay ("the Service"), you agree to be bound by these Terms of Service. MSU Pay is provided as free, non-custodial software under the MIT License.

2. Description of Service

MSU Pay provides open-source, non-custodial payment routing software. The Service allows businesses to derive unique public cryptocurrency addresses for transactions, track on-chain statuses, and receive payment notifications.

3. Non-Custodial Nature of the Service

• Zero Custody: MSU Pay does not hold, manage, store, or transmit your funds or private keys at any point.
• Self-Responsibility: All funds processed via MSU Pay are routed directly to wallets controlled solely by the business or customer on the public blockchain.
• Key Management: You are solely responsible for securing your wallet's private keys and recovery phrases. MSU Pay has no ability to recover lost funds, access private keys, reverse transactions, or freeze assets.

4. Fees

MSU Pay charges a 0% transaction fee for using the routing software. Blockchain network fees (gas/miner fees) are paid directly to the respective blockchain networks by the transaction sender and are entirely outside of MSU Pay's control.

5. Account Responsibilities

• You are responsible for maintaining the confidentiality of your account credentials (password).
• Account deletion is available at any time directly from the business dashboard. Deleting your account will immediately revoke API access and delete your dashboard preferences.

6. Disclaimer of Warranties & Limitation of Liability

THE SERVICE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.

IN NO EVENT SHALL MSUPAY, ITS DEVELOPERS, OR CONTRIBUTORS BE LIABLE FOR ANY CLAIM, DAMAGES, OR OTHER LIABILITY (INCLUDING DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL LOSS OF FUNDS, DATA, OR BLOCKCHAIN REORGANIZATIONS), WHETHER IN AN ACTION OF CONTRACT, TORT, OR OTHERWISE, ARISING FROM, OUT OF, OR IN CONNECTION WITH THE SOFTWARE OR THE USE OF THE SERVICE.