QGreenPay provides business clients with services that bridge fiat payment rails and digital assets, including: (a) on-ramp services (converting fiat into supported digital assets — currently the stablecoins USDT and USDC); (b) off-ramp services (converting supported digital assets into fiat, currently in USD, EUR or GBP, and paying out to bank accounts); (c) multi-currency virtual accounts, currently in USD, EUR and GBP, for payment collection; and (d) pay-in and pay-out services (collectively, the "Services"). The currencies and digital assets supported may change from time to time and depend on the licensed partner delivering the relevant Service.
QGreenPay is a financial services provider, operated by QGREEN TECHNOLOGY LLC, registered with the U.S. Financial Crimes Enforcement Network (FinCEN) as a Money Services Business and subject to U.S. AML/CFT requirements under the Bank Secrecy Act. QGreenPay is not a bank.
We onboard you directly and operate our own compliance program, including customer due diligence (KYC and KYB), liveness verification, sanctions and PEP screening, and transaction monitoring (KYT). Where a jurisdiction requires a local licence for a specific regulated activity, that activity is delivered through our licensed partners, and their own terms and regulatory disclosures apply to that activity alongside these Terms. QGreenPay remains your counterparty and point of contact for the Services.
Customer funds are safeguarded and moved by the regulated institutions and banks in the payment chain, under their own regulatory obligations. Balances shown in connection with a virtual account are not insured bank deposits.
The availability of a specific Service varies by jurisdiction and depends on the licensing required for that activity in your jurisdiction and on applicable law. Where a licence is required for an activity and is not held by QGreenPay, that activity is delivered through a licensed partner.
To use the Services you must: (a) be at least 18 years old (or the age of legal capacity in your jurisdiction, if higher); (b) have the legal capacity to enter a binding contract; (c) not be located in, a resident or national of, or otherwise subject to the restrictions in our Prohibited & Restricted Jurisdictions Policy; and (d) not be a person listed on any applicable sanctions list.
Use of the Services requires an account and completion of our identity verification (KYC) process. We may request personal details, government-issued identification, proof of address, and — at enhanced verification tiers — documentation of source of funds or source of wealth. We may refuse, suspend, or limit your account if verification is not completed, if information is inaccurate, or if our risk assessment so requires.
Supported payment methods (bank transfers and local payment rails) and settlement timelines depend on your jurisdiction and applicable law, and are shown during onboarding or at checkout. Bank transfer settlement depends on external banking systems; public holidays and banking cutoffs may extend timelines. Payouts are made only to bank accounts or wallets verified in your name (or, for business customers, in the name of the verified entity or an authorized beneficiary).
Digital assets are highly volatile and may lose all value. Blockchain transactions are generally irreversible: if you provide an incorrect wallet address or choose an unsupported network, your funds may be permanently lost. We strongly recommend reviewing our Risk Disclosure before transacting. We are not an investment adviser and nothing in the Services constitutes investment advice, an offer, or a solicitation to buy or sell any asset.
You must not use the Services: (a) in violation of applicable law, including sanctions, anti-money-laundering, and counter-terrorist-financing law; (b) for fraudulent, deceptive, or scam activity; (c) to facilitate unlicensed money transmission or unregistered virtual-asset services for third parties; (d) to circumvent our jurisdiction restrictions, including via VPN, proxies, or false location or identity information; or (e) in any manner that interferes with or abuses the Site or Services.
We may suspend or terminate your account and freeze pending transactions: (a) as required by law, regulation, or a competent authority; (b) where we detect a sanctions match, suspicious activity, or a breach of these Terms; or (c) to protect users, partners, or ourselves from harm. Where lawful, funds will be returned via the original payment method after compliance review.
The Services are provided "as is" and "as available" without warranties of any kind, except as expressly stated in these Terms or to the extent that applicable law does not permit disclaimer. We do not warrant uninterrupted or error-free operation of the Site, third-party payment systems, or public blockchains.
To the maximum extent permitted by law, QGreenPay's aggregate liability arising from or relating to the Services is limited to the fees you paid to us for the transaction giving rise to the claim in the six (6) months preceding the event. We are not liable for indirect, incidental, special, consequential, or punitive damages, or for losses arising from blockchain irreversibility, third-party payment systems, or events beyond our reasonable control. Nothing limits liability that cannot be limited under applicable law.
You agree to indemnify and hold harmless QGreenPay, its affiliates, and their personnel from claims, damages, and expenses (including reasonable legal fees) arising from your breach of these Terms, your violation of applicable law, or your misuse of the Services.
These Terms are governed by the laws of the State of Colorado, USA, without regard to conflict-of-laws principles, except where mandatory consumer-protection law of your jurisdiction of residence applies. The parties shall first attempt to resolve disputes amicably. Where informal resolution fails, disputes shall be brought exclusively in the state or federal courts located in Denver, Colorado — except that consumers may bring claims in the courts of their jurisdiction of residence where local law so requires.
We may update these Terms from time to time. Material changes will be notified via the Site and, where appropriate, by email. Continued use of the Services after the effective date constitutes acceptance of the updated Terms.
QGREEN TECHNOLOGY LLC, 999 18th St, Suite 1688, Denver, CO 80202, USA · +1 (720) 414-9180 · Support@qgreenpay.com