Terms of Service

1. Binding agreement

By using the website, submitting a request, completing onboarding, accepting a quote, or using a virtual card, you agree to these Terms. If you act for a company, you bind that company as well as yourself.

A page view is not an account. OTC tickets and cards exist only after we accept you and issue written or system-confirmed terms for that ticket or card. Partner Provider terms also apply to functions they perform.

2. Eligibility

Services are available only where Luntrixae may lawfully offer them. We may decline applicants, assets, corridors, or card programs that fall outside our risk appetite or licensing picture.

You represent that:

• You are at least 18 years old and have legal capacity to contract.
• If you act for an entity, you are authorized to bind that entity and to supply its KYB materials.
• You are not a sanctioned person, and you are not owned or controlled by a sanctioned person or in a comprehensively sanctioned jurisdiction we do not support.
• You will use OTC and cards only for lawful purposes disclosed during onboarding and in later reviews.
• Information you provide is true, complete, and kept current when it changes.

3. Onboarding and ongoing review

OTC conversion and virtual cards are available only after KYC or KYB review, including CIP and beneficial-ownership information for entities. We may request more documents at any time, including after a ticket or card is live, if activity, risk, or law requires it.

We may refuse, delay, suspend, or end a relationship if checks fail, documents are incomplete or inconsistent, expected activity does not match actual activity, or law or a Partner Provider requires it. Submitting the website form is a request for contact, not a promise to quote or to issue a card.

4. Use of the website

The public website describes programs and how to request onboarding. You agree not to:

• Interfere with security, availability, or integrity of the site or its hosting.
• Scrape, overload, probe, or reverse engineer the site except as a non-waivable law allows.
• Submit malware, false identity data, or another person information without authority.
• Use the site to solicit unlawful activity or to impersonate Luntrixae.
• Frame the site or imply a partnership, sponsorship, or card-network membership we have not confirmed in writing.

5. Online OTC conversion

After onboarding, you may request conversion between supported fiat and digital assets on a per-ticket basis. Quoted prices, sizes, assets, networks, and settlement windows are invitations to transact on the stated terms until they expire or we withdraw them. Liquidity, market movement, network congestion, banking cut-offs, and screening can change what we can honor after a window closes.

You are responsible for sending fiat or digital assets to the exact account, wallet, network, memo or tag, and amount specified for that ticket. Assets sent on the wrong network, to the wrong address, or with a missing memo or tag may be unrecoverable. Luntrixae is not obliged to credit a ticket until we have confirmed receipt in line with the ticket instructions.

Settlement may involve partner custodians, liquidity providers, and banks. Completion depends on those settlement channels as well as our own operations. Finality on a blockchain is not the same as completion of the ticket under these Terms.

• Quotes are ticket-based. They are not a continuous public order book and not an automated matching engine.
• We may set and change minimum and maximum sizes, supported assets, and supported networks.
• We may cancel a pending ticket if funds do not arrive in time, screening flags appear, instructions cannot be followed, or a partner settlement channel fails.
• Blockchain confirmations, bank recalls, compliance holds, and partner cut-offs can delay or prevent finality.
• You must not structure tickets to evade reporting, screening, or limits.
• If a refund is possible, it follows the ticket terms and applicable law. Network fees, spread already earned by a liquidity partner, and irretrievable misdirected assets may not be returned.

6. Virtual cards

Virtual credit cards may be offered to onboarded clients as business (ToB) or personal (ToC) programs. Cards are typically issued in a natural person name, subject to spending limits, merchant-category and geographic controls, and freeze or closure by Luntrixae or the issuer.

Cards are issued through authorized partner issuers and BIN sponsors. Merchant acceptance depends on the merchant, its acquirer, and the card network. A control we or the issuer set (for example blocking a merchant category) may cause a legitimate purchase to decline. We do not guarantee that any particular merchant will accept a card.

This website does not display full card numbers. You must protect credentials delivered through approved channels and must not share a card except as the program allows. Report unauthorized spend to us and the issuer promptly. Chargeback and dispute rights, if any, follow issuer and network rules and may be narrower than a consumer bank card.

• ToB cards are for disclosed business spend of the onboarded entity and its authorized cardholders.
• ToC cards are for disclosed personal spend of the onboarded individual.
• A spending limit or available-to-spend figure is a program control. It is not a demand-deposit balance shown on this website.
• We or the issuer may freeze, replace, or close a card for suspected fraud, sanctions, chargeback risk, KYC gaps, or program breach.
• You remain responsible for authorized transactions and for keeping identity and ownership information current.
• Issuers, networks, and merchants may apply their own fees, FX, and presentment rules in addition to Luntrixae program fees.
• Card credentials remain property of the issuer. We may require return or destruction of details when a card is closed.

7. Fees and taxes

OTC spread, ticket fees, card issuance or program fees, FX, network fees, and partner charges will be disclosed in the quote, card addendum, or fee schedule we provide before you confirm. On-chain miner or validator fees and some bank charges are set by third parties and may not be known until the settlement channel executes.

You are responsible for taxes on your activity. We may withhold or report if required by law. Fee quotes are in the currency stated on the ticket or addendum unless we say otherwise.

8. Prohibited use

You may not use the website, OTC conversion, or cards for:

• Sanctions evasion, terrorist financing, or money laundering.
• Fraud, identity theft, or unauthorized use of another person account, wallet, or card.
• Unlawful gambling, unlicensed money transmission by you, or trafficking in illegal goods or services.
• Mixing, tumbling, or other obfuscation intended to hide source of funds in breach of our program.
• Activity we or the issuer have listed as restricted for a card program, including merchant categories we have blocked.
• Circumventing spending controls, velocity limits, geoblocks, or screening.
• Mule activity, false invoicing, or misrepresenting the nature of a payment to a merchant or bank.
• Any activity that would cause Luntrixae to breach MSB, BSA, OFAC, tax, or card-network rules.
• Abuse of chargebacks, friendly fraud, or first-party fraud on a card.
• Purposes you did not disclose when we asked for source of funds, source of wealth, or expected activity.

9. Partner Providers

Settlement, custody, banking, identity checks, and card issuance may be performed by authorized third parties (Partner Providers). Where a function is performed by a Partner Provider, that party is responsible for that function under its licenses and terms, except where applicable law assigns responsibility to Luntrixae.

You authorize us to share information with Partner Providers as described in the Privacy Policy so they can perform those functions. A Partner Provider outage, decline, or policy change can delay or stop a ticket or card even if Luntrixae is ready to proceed.

10. Risks you accept

Digital asset prices move. Banks and blockchains can delay, fork, halt, or reverse. Partners can have outages. Law, listing policy, and correspondent banking can change. You may lose value, miss a settlement window, pay extra network fees, or be unable to recover misdirected assets.

You accept these risks as a condition of requesting OTC or cards. Past quotes do not predict future quotes. Nothing on the site is a promise of execution at a displayed example rate.

11. No investment, legal, or tax advice

Content on this website is operational and informational. It is not investment, legal, tax, or accounting advice, and it is not an offer of securities, commodities, or a collective investment scheme. You should obtain your own professional advice before transacting.

12. Intellectual property

Luntrixae names, the site design, and our materials are owned by Luntrixae LLC or licensors. You may view public pages to evaluate whether to request onboarding. You may not copy the site for a competing service, scrape it for training data where we prohibit that use, or use our name to imply a relationship we have not confirmed in writing.

13. Suspension and termination

We may suspend quotes, settlement, cards, or website access immediately if we suspect prohibited use, failed verification, legal process, partner instruction, operational incident, or unacceptable risk.

You may ask to close the relationship in writing. Closure is subject to completing or unwinding open tickets, card spend and chargeback windows, and mandatory recordkeeping. Closure does not require us to erase BSA or sanctions files.

14. Limitation of liability

To the maximum extent permitted by law, Luntrixae is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, business interruption, or lost digital assets, even if advised of the possibility, and even if a limited remedy fails of its essential purpose.

Our aggregate liability arising out of the website or services is limited to the fees you actually paid to Luntrixae for the specific ticket or card program giving rise to the claim during the three months before the claim, or one hundred U.S. dollars (USD 100), whichever is greater. This cap does not apply to liability that cannot be limited under applicable law, including liability for fraud or willful misconduct by Luntrixae.

15. Indemnity

You will indemnify and hold harmless Luntrixae and its officers, members, and staff against claims, losses, damages, and reasonable legal fees arising from your breach of these Terms, your unlawful activity, your misdirected assets, false information, or your card spend, except to the extent caused by fraud or willful misconduct by Luntrixae.

16. Governing law and venue

These Terms are governed by the laws of the State of Texas and applicable United States federal law, including the Bank Secrecy Act and FinCEN MSB rules, without regard to conflict-of-law rules that would choose another jurisdiction.

Exclusive venue for disputes that may be brought in court is the state or federal courts sitting in Texas, except where federal law requires another forum. To the extent permitted by law, you and Luntrixae waive a jury trial. Nothing in this section limits a regulator from using its own process.

17. Entire agreement and other terms

These Terms and the Privacy Policy, together with any written quote, ticket confirmation, card addendum, or onboarding letter we issue, are the entire agreement for the website and the services they cover. If there is a conflict, a signed or system-confirmed ticket or card addendum controls for that transaction.

If a provision is unenforceable, the rest remains in effect. Failure to enforce a provision is not a waiver. You may not assign the relationship without our prior written consent. We may assign to an affiliate or to a successor of the MSB business. Headings are for convenience only and do not affect interpretation.

18. Changes to these Terms

We may update these Terms by posting a new version on this page with a new Last updated date. Changes apply prospectively. If you continue to use the website or request or use services after the update, you accept the revised Terms. If you do not agree, stop using the site and close any relationship as provided above.

19. Contact

Luntrixae LLC, 101 JACKSON ST APT 20, HOOKS, TX 75561, US. Email: admin@luntrixae.com. Telephone: +1 6178559587. For legal notices, use the same address and mark the envelope Legal notice.