Terms of Service

2. Nature of Services

AbaPay operates strictly as a Technology Interface and Borderless Digital Intermediary. We provide a non-custodial software protocol that allows users to interact with smart contracts on Celo and Base (and their respective public test networks) to exchange stablecoins for fiat-denominated utility services in Nigeria, plus international airtime and data top-ups to the countries our aggregator currently covers.

Supported assets and networks are limited to what the App offers you. Today that is USD₮ and USDC on both Celo and Base, and cUSD/USDm on Celo only. AbaPay does not support any other blockchain, and sending funds to our contract address by hand, on an unsupported network, or in an unsupported token is not a payment, cannot be matched to an order, and is not recoverable by us. Where an asset and network support it, settlement may occur either through a direct smart contract call or via the x402 HTTP-payment protocol; this is an internal routing decision, both routes deposit funds into the same smart contract vault, and both carry identical obligations and protections under these Terms.

The list of services and providers is not fixed. Categories currently include Airtime, Mobile Data, Electricity (prepaid and postpaid), Cable TV, Education PINs, Bank Transfers, and international airtime/data. The specific providers within each category — and the minimum and maximum amount each one accepts — are read live from our utility aggregator (VTpass) rather than from a list we maintain, and can therefore change at any time without notice or a software update. A provider that stops being purchasable simply stops appearing. Likewise, the countries available for international top-ups are read live from the aggregator's own country list; we publish no fixed count and make no representation as to which specific countries will be available at any given moment. Availability of any service, provider, country, plan or price is never guaranteed.

Education specifically. WAEC result-checker and WAEC registration PINs are live. Our software also supports JAMB, but JAMB is not currently enabled on our merchant account with the aggregator and therefore cannot be purchased today; it does not appear in the live product list. If that changes at the aggregator's end it will become available without any action from you, but we make no commitment as to whether or when.

Wallets and environments. AbaPay can be used with MiniPay, Valora, MetaMask, Coinbase Smart Wallet / Base Account, and any other wallet reachable over WalletConnect or injected into the browser, and it also runs as a Farcaster Mini App. Where a wallet advertises smart-account gas sponsorship on Base, the App may batch the token approval and the payment into a single sponsored transaction; wallets without that capability pay ordinary network fees. We do not control, endorse, or accept liability for any third-party wallet, and support for any particular wallet or environment may change.

We are not a bank. We do not hold fiat currency deposits, there is no AbaPay balance to fund, and we never take custody of your wallet or your private keys. All fiat utility vending is processed through licensed domestic and international Third-Party Aggregators (e.g., VTpass) and regulated Payment Solution Service Providers across our active geographic regions. Bank transfers specifically are paid out from our own Moniepoint Microfinance Bank business account, triggered via Monnify (Moniepoint Inc.'s API) — the destination account is verified before any transfer is sent.

Payments may be initiated directly through the App, through our conversational AI agent ("DeAI") on Telegram, WhatsApp, X, and the in-app chat widget, or through a third-party AI agent (such as Anthropic's Claude) connected via our MCP (Model Context Protocol) server — see Section 7 below for the specific terms governing agent-initiated payments across all of these. Bank transfers are deliberately excluded from the agent channels and must be completed in the App with your own wallet signature.

3. Anti-Money Laundering (AML) & Compliance

To comply with the Special Control Unit Against Money Laundering (SCUML), the Securities and Exchange Commission (SEC) of Nigeria, and international Financial Action Task Force (FATF) guidelines, AbaPay reserves the right to monitor transactions for illicit activities.

You agree not to use AbaPay for cross-border terrorism financing, money laundering, fraud, or any illegal activity. We reserve the right to freeze transactions, block wallet addresses, and report suspicious activities to Nigerian and international law enforcement agencies without prior notice.

4. Blockchain Irreversibility & User Responsibility

• Irreversible Transactions: Blockchain transactions are inherently immutable. Once a payment is confirmed — whether you signed it in your wallet or it was executed within an on-chain allowance you granted — the digital assets cannot be recovered by AbaPay.
• Accuracy of Information: You are 100% responsible for ensuring the accuracy of the destination country, phone number, meter number, smartcard/IUC number, exam profile ID, or bank account. Where the provider supports it, we verify the account with the biller and show you the returned customer name before you pay, but the final confirmation screen is yours to read. AbaPay is not liable for funds delivered to the wrong recipient because of a typographical error you approved.
• Self-Custody: AbaPay does not have access to your private keys or recovery phrase. You are solely responsible for the security of your Web3 wallet, your device, and your AbaPay Transaction PIN.

5. Exchange Rates, Fees, Limits and Taxes

Exchange Rates: The stablecoin-to-fiat exchange rate applied to your order is set by AbaPay and displayed to you before you pay. Foreign-currency figures shown for international top-ups are indicative and derived from third-party market data. By confirming a payment, you accept the rate displayed at that moment. AbaPay is not liable for crypto or fiat market volatility.

Fees: AbaPay charges a flat convenience fee on certain heavy-infrastructure categories — currently Electricity, Cable TV, Education and Bank Transfers. Airtime, Data and international top-ups carry no platform fee. The fee, where it applies, is shown explicitly in your total before you confirm. Network "gas" fees charged by the underlying blockchain are separate, are paid by you to the network (not to us), and are not refundable by us under any circumstance.

Promotional discounts: We may from time to time run discount campaigns. Any discount is applied at our discretion, is subject to per-transaction, per-wallet, per-destination and campaign-wide caps, and may be varied or withdrawn at any time. A displayed discount is an estimate until the payment is verified server-side.

Limits: Minimum and maximum amounts are set by the biller and the aggregator, vary by network and by provider, and can change without notice. Additional caps apply to agent-initiated payments (see Section 7). A payment outside any applicable limit will be refused before any funds move.

Taxes: You are solely responsible for determining any tax implications associated with your use of digital assets and paying any applicable taxes to the relevant tax authorities in your geographical jurisdiction (e.g., FIRS in Nigeria).

6. Third-Party Services, Availability & Limitation of Liability

AbaPay relies on external utility providers and international telecommunications networks (e.g., MTN, Airtel, Glo, 9mobile, DStv, GOtv, Startimes, Nigerian electricity distribution companies, examination bodies, and their international equivalents) and on API aggregators. We do not control them and cannot guarantee their uptime, pricing, or delivery.

No guarantee of availability. AbaPay does not warrant uninterrupted or error-free operation. Any service, or any individual provider within a service, may be paused — by the aggregator, or by us — during an outage, dispute, or security incident. Where we have paused something, the App, the chat agents and the MCP connector all refuse the payment up front rather than accepting funds for something we know cannot be delivered.

Limitation of Liability: To the maximum extent permitted by law, MASONODE TECHNOLOGIES LIMITED shall not be liable for:

• Downtime, delays, or service failures caused by domestic or international telecommunication networks, electricity distribution companies, examination bodies, or utility aggregators.
• Blockchain network congestion, RPC outages, gas costs, or smart contract vulnerabilities outside our direct control.
• Losses arising from a wallet, device, recovery phrase, Transaction PIN, linked messaging account, or AI-agent credential that you failed to keep secure.
• Transactions you (or an agent acting within an allowance you granted) authorised with incorrect details.
• Financial losses resulting from regulatory actions by local or international governments affecting digital assets.

8. Refunds and Reversals

What is refundable. A refund arises in exactly one situation: your payment was confirmed on-chain and received into our vault, and the third-party utility provider then failed to deliver the service (e.g. a failed meter-token generation, a rejected top-up, or an aggregator error). If a blockchain transaction reverts or never lands, no funds ever left your wallet and there is nothing for us to refund.

How it works. A failed delivery after funds are received is flagged and queued for refund automatically — you do not need to open a ticket to start it. You are notified straight away on the channel you used and, if you supplied one, by email; you are notified again once the refund is actually sent. The refund is paid to the same wallet address that made the payment, in the same stablecoin.

Timing and process. Queued refunds are reviewed and released by an operator rather than paid out instantly. We target 24 to 72 hours, but this is a good-faith operational target and not a contractual guarantee — a refund may take longer during an outage or an investigation. Every refund is verified against the blockchain (correct token, correct recipient, sufficient amount) before it is recorded as refunded, so a refund can never be marked as paid without actually having been paid.

What is not covered. Blockchain gas fees you paid to submit the original transaction are not recoverable and are not included in the refund. Refunds are not available for a service that was delivered correctly to details you supplied incorrectly. If you believe a failure has been missed, use the Support button on the receipt — the ticket carries your transaction hash automatically.