Terms of Service

Platform means the coll8ral software and services (including dev and production environments such as dev.coll8ral.com). Services means broker dashboards, end-user onboarding, transaction preparation, compliance tooling, and related APIs. LoanBroker means a licensed or otherwise authorized lending entity using the Platform under a separate agreement with us. You means any person or entity that accesses the Platform.

You must be at least 18 years old and have authority to bind any entity you represent. We may update these Terms; material changes will be noticed at least fifteen (15) days before they take effect. Continued use after the effective date constitutes acceptance.

coll8ral provides non-custodial infrastructure for LoanBrokers to operate XRPL-native lending workflows. We do not custody user digital assets, hold private keys, set loan underwriting outcomes, or act as a lender, broker-dealer, investment adviser, or custodian.

Loan terms and balances authoritative on the XRP Ledger are reflected in our database as an operational mirror only. End users sign transactions with their own wallets.

You must provide accurate registration information and complete identity verification (including Sumsub KYC and sanctions screening) where required. We may suspend or terminate accounts that provide false information, fail verification, or violate these Terms or applicable law.

Digital asset and lending activity involves substantial risk, including total loss. Nothing on the Platform constitutes investment, legal, tax, or suitability advice. Vault and loan listings are not ranked by attractiveness. Brokers are responsible for their own credit decisions and disclosures to their customers.

You agree not to:

• Violate law, sanctions, or third-party rights
• Circumvent KYC, accreditation, or permissioned-domain controls
• Attempt unauthorized access or disrupt Platform security
• Use the Platform for money laundering or other illicit purposes
• Represent coll8ral as your lender, custodian, or adviser to end users

End users typically access Services on a LoanBroker's branded domain. Each broker may impose additional terms on its users. Where broker terms conflict with these Terms for broker staff using the Platform, these Terms control your use of coll8ral software.

The Platform, including software, design, and trademarks, is owned by LEC Group and its licensors. You receive a limited, non-exclusive license to use the Services for their intended purpose.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEC GROUP AND ITS AFFILIATES ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF FEES PAID BY YOU IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR ONE HUNDRED US DOLLARS ($100). THE SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law principles. Disputes shall be resolved by binding arbitration on an individual basis under AAA rules, except where prohibited by law.

Questions: support@coll8ral.com. Privacy inquiries: privacy@coll8ral.com. See also our Privacy Policy.