Terms of Service

Agreement to these Terms

These Terms of Service (“Terms”) form a binding agreement between you and Vybe (“Vybe,” “we,” “our,” or “us”) governing your access to our website, applications, software interface, username and social features, smart-wallet experience, payment links, notifications, and related services (collectively, the “Services”). The Services include Vybe Collect and Checkout for sellers, agent payments and spend keys, the Vybe Marketplace, Buildr, Vybe for games, the Vybe developer APIs, and bank deposit and cash-out features provided with partners.

Some sections below apply only when you use a particular product, for example when you sell, build a tool, or run a game shop. If you use Vybe on behalf of a business, you confirm you are authorized to bind that business, and “you” includes it.

By accessing or using the Services, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services. Additional terms from wallet, authentication, identity, payment, card, blockchain, or other providers may apply to services they provide directly.

Eligibility and availability

You may use Vybe only if:

you are at least 18 years old;
you have legal capacity to enter a binding contract where you live;
you are not subject to sanctions, asset freezes, or restrictions that prohibit your use of the Services;
your use is lawful in your country and does not cause Vybe or a provider to violate applicable law; and
all information you provide is accurate, current, and belongs to you.

Features, tokens, chains, limits, and provider availability may vary by country, account, device, or compliance status. A feature shown as “coming soon,” “early access,” or similar is not yet generally available and is not a promise of launch, approval, timing, or continued availability.

What Vybe is, and what it is not

Vybe provides software that helps you interact with third-party smart-wallet infrastructure and public blockchain networks. Unless a specific product disclosure says otherwise, Vybe:

is not a bank, deposit-taking institution, or exchange;
does not offer a bank account or guarantee deposit insurance;
does not take custody of your private keys or hold your digital assets on its corporate balance sheet;
does not control, reverse, or edit transactions confirmed by a blockchain; and
does not provide investment, legal, tax, or financial advice.

References to “dollars” describe eligible dollar-denominated stablecoins, such as USDC or USDT, unless we expressly describe a regulated fiat or card product. Stablecoins are digital assets, not cash deposits, and may lose value.

Your account and sign-in security

When you sign in

You authorize the supported authentication provider to verify your account and connect you to the corresponding smart wallet. You must control the email, Google account, device, or other credential used to sign in.

Your responsibilities

Keep your email, device, one-time codes, and recovery methods secure.
Do not permit another person to use your account or impersonate someone else.
Review security and transaction prompts before approving them.
Notify in-app support promptly if you suspect unauthorized access.

Actions approved through your authenticated account may be treated as authorized by you. Vybe will not ask for a private key or seed phrase. Never share a one-time sign-in code with anyone claiming to be Vybe support.

Smart wallets and self-custody

When you create an account, third-party infrastructure may provision a smart wallet associated with your authentication credentials. The provider’s terms govern wallet creation, signing, recovery, and supported networks.

Self-custody means you, not Vybe, bear responsibility for authorized wallet activity, account security, recipient accuracy, and the assets you choose to hold. Wallet recovery depends on the supported authentication and recovery methods. Loss of access to those methods, provider failure, network conditions, or unsupported assets may limit access or recovery.

Only send supported assets on the displayed network. Sending an unsupported token, using the wrong network, interacting with a malicious contract, or sending to an incompatible address may cause permanent loss. Vybe is not required and may be unable to recover those assets.

Usernames, profiles, and friends

When you claim a username

Usernames are unique within Vybe, publicly searchable, and linked to the payment destination associated with your profile. You receive a limited, revocable right to use an available username; you do not buy or own it as property.

You may not choose or use a username, avatar, or profile that:

impersonates another person, organization, or brand;
violates trademark, publicity, privacy, or other rights;
is deceptive, abusive, discriminatory, obscene, or unlawful;
falsely suggests affiliation with Vybe, a provider, or a public authority; or
is reserved, inactive under an announced policy, or used for sale.

We may rename, reserve, suspend, or remove a username to address impersonation, infringement, fraud, abuse, inactivity, or a legal requirement. Adding a friend does not verify that person’s identity or guarantee the safety of paying them. Confirm the username, avatar, and payment details yourself.

Sending and receiving digital assets

When you send

You instruct the wallet infrastructure to prepare and submit a blockchain transaction using the recipient, token, amount, and network you confirm. Review every confirmation screen. A username is a convenience layer; the transaction ultimately resolves to a blockchain address.

Finality and mistakes

Blockchain transactions are generally irreversible after submission and may be irreversible before final confirmation. Vybe cannot cancel a confirmed transaction, retrieve assets from a recipient, resolve a private payment dispute, or guarantee that a recipient returns funds sent by mistake.

Timing and display

Quotes, balances, activity, and status may be delayed, estimated, or incomplete due to indexing, provider, token, or blockchain conditions. A successful interface message does not override the authoritative blockchain record. You are responsible for checking the transaction and keeping records needed for tax or accounting.

Receiving

Before sharing a username, payment link, QR code, or wallet address, confirm that it belongs to your current profile and supports the intended token and network. You are responsible for your arrangements with the payer, including invoices, refunds, taxes, and delivery of goods or services.

Payment links, QR codes, and invitations

Vybe may generate public links or QR codes that point to a profile, payment flow, or invitation. Anyone with the link may be able to view its public contents. Do not embed confidential information in a link or share it where you do not want it redistributed.

A Vybe link does not prove that the person sharing it is trustworthy, that an invoice is legitimate, or that a transaction is required. Watch for look-alike domains, altered QR codes, social-engineering requests, and copied usernames. Use only links on the official Vybe domain and verify the recipient inside the confirmation flow.

You may use invitations for genuine personal or business referrals, but not for spam, automated distribution, deceptive promotions, or incentive abuse.

Selling with Collect and Checkout

Collect and Checkout let you sell products, services, digital content, and API or tool access, and get paid by people and AI agents through payment links, hosted checkout pages, and the Vybe APIs.

Your responsibilities as a seller

You are the seller of what you list. You set the price and description, deliver what you promise, and handle refunds, support, and complaints from your buyers.
Your listings, prices, and seller profile must be accurate and must not mislead buyers about what they get, who you are, or how much it costs.
You are responsible for the laws that apply to your sales, including consumer protection, tax, invoicing, and licensing rules.
Keep your API keys, secret keys, and webhook secrets confidential. Activity using your keys is treated as yours. Rotate a key straight away if you think it has been exposed.

How you get paid

Stablecoin payments go from the buyer to the wallet on your Vybe account, less any Vybe fee shown to you before you start selling. Where card payments are offered, Vybe accepts the card payment as merchant of record through our payment processor and then pays your share to your Vybe wallet in USDC, less the disclosed fees. Card payments may have a minimum amount and may not be available in every country or for every product.

If a card payment is refunded, reversed, or charged back, we may deduct the amount and any related processor fee from your future proceeds, or ask you to repay it. We may hold or delay card proceeds where we reasonably suspect fraud, abuse, or a breach of these Terms.

Prepaid balances and credits

If you sell prepaid balances, credits, or free trial calls, you are responsible for honoring them as you described. Vybe records these balances to help you run your product, but they are your obligation to your buyers, not money held by Vybe.

Seller profile

Before some listings go live you need a seller profile with a display name, photo, headline, and description. This profile is shown publicly next to your listings so buyers know who they are dealing with.

Agent payments and spend keys

You can connect AI assistants and agents to Vybe, for example through Vybe Pay MCP, an approved sign-in connection, or a spend key, so they can find and pay for tools and services on your behalf.

You choose the limits, such as spend caps, per-payment amounts, and trusted merchants. Vybe asks you to approve payments where the product says it will, and may require your payment PIN.
Payments an agent makes within the limits and approvals you set are treated as authorized by you. Agents can make mistakes, so review your limits and activity regularly.
Keep spend keys secret. Anyone holding a key may be able to spend within its limits until you revoke it. You can revoke keys and connections at any time from your account.
Vybe does not control third-party AI assistants and is not responsible for what they do outside the payment flows Vybe provides.

The Vybe Marketplace

The Marketplace lists tools and services offered by independent sellers, including tools built with Buildr. Vybe hosts the listings and the payment flow, but the seller, not Vybe, provides the tool or service and is responsible for it.

Listing information, usage counts, health checks, and ratings are provided to help you choose and may be incomplete or out of date. Vybe does not guarantee that a listed tool works, is accurate, or is suitable for your purpose. Check a tool before you rely on it.

We may review, rank, hide, or remove listings at our discretion, including to address reports, policy breaches, quality problems, or legal requirements. You can report a listing from its page.

Buildr

Buildr turns a description, an example, or an API specification into a hosted tool that AI assistants and people can use, and lets you sell access to it.

Building with AI

Buildr uses third-party AI models to draft tools from what you describe. Drafts can be wrong or incomplete. Test a tool and check its results before you publish or sell it. You are responsible for the tools you publish, including what they do and what they return.

APIs, websites, and saved keys

You must have the right to call every API or website your tool uses, and must follow their terms, rate limits, and licenses, including any rules on resale.
Saved keys are stored encrypted and used only to run your tools. Only save keys you are allowed to use this way, and rotate them if you think they have been exposed.
Do not build tools that collect personal information unlawfully, get around access controls, or break another service’s terms.

Hosting, limits, and moderation

Vybe hosts and runs published tools within your plan’s limits, such as the number of live tools, actions per tool, and unpaid calls each month. We may pause or remove a tool that breaks these Terms, harms users or third parties, receives credible reports of abuse, or puts our systems at risk.

Plans and fees

Buildr has a Free plan and paid plans. Each plan’s price, limits, and the fee Vybe keeps from each sale are shown on the Plan page before you choose it. Paid plans are paid in advance in USDC from your Vybe wallet for a month or a year and are renewed by you. We remind you before a plan ends and keep it working for a short grace period; if it is not renewed, your account moves to the Free plan and the Free plan’s limits and fees apply. Plan payments are not refundable, except where the law requires otherwise.

Vybe for games

Vybe for games lets game developers add a shop to a web game. Players top up a balance with USDC and spend it on items in the game.

How top-ups and balances work

Each top-up is a USDC payment from the player directly to the developer’s Vybe wallet. Vybe does not hold the money.
Vybe keeps a record of each player’s balance and purchases for the developer. A player balance is the developer’s promise to provide items in that game. It is not a deposit with Vybe, cannot be withdrawn or exchanged for cash through Vybe, and has no value outside the game.
Top-ups are final once paid. Vybe does not refund players. A developer may add balance back or send USDC back to a player.

If you are a game developer

You are responsible for your game, the items you sell, delivering them, and supporting your players, including if you pause or close your game while players still have a balance.
You must not use Vybe for gambling of any kind, loot boxes or other paid random rewards, real-money prizes, or items that can be cashed out.
Tell us before you use Vybe in a game made for children, and comply with the child-privacy and consumer laws that apply to it.
Keep your secret key on your server. Your publishable key can be used in your game’s code.

Vybe for games is free during early access. We will tell you before we introduce fees. We may pause purchases in a game that breaks these Terms or puts players at risk.

Developer APIs and webhooks

You may use the Vybe APIs, SDKs, MCP servers, and webhooks to build on the Services in line with our documentation. We may set rate limits, change or retire versions, and suspend access that harms the Services or other users.

You are responsible for securing your integration, verifying webhook signatures, and handling retries and duplicate events. Payment status in an API response or webhook does not override the blockchain record or our processor’s final status.

Gas sponsorship, fees, and taxes

Gas sponsorship

Vybe or a provider may sponsor network fees for eligible transactions. Sponsorship is discretionary and may be subject to limits, supported tokens, fair-use controls, provider rules, location, risk checks, and available budget. We may change, pause, or end sponsorship at any time. If a transaction is not sponsored, the interface should show the applicable network requirement before submission where feasible.

Other fees

Vybe will disclose fees it charges before you use the relevant feature. Third parties, token issuers, networks, card programs, liquidity providers, or banks may charge separate fees or apply spreads. A displayed dollar value may differ from the amount realized when assets are converted or spent.

Taxes

You are solely responsible for determining, reporting, and paying taxes arising from your digital assets, payments, income, transfers, or card activity. Vybe does not provide tax advice.

Bank deposits, cash-out, card, and on-ramp features

Bank deposit accounts, cash-out to a bank, card issuance, and local-currency purchase are provided by regulated third parties, such as Bridge for US dollar deposit accounts. They may require identity verification, liveness checks, sanctions screening, eligibility review, transaction monitoring, separate terms, and additional fees. The partner decides whether to approve you and sets its own limits, settlement times, and supported banks.

Money sent to a deposit account is converted and delivered to your Vybe wallet by the partner. Check the account details, currency, and payment method before you send money, and keep your records.

Joining an early-access list does not create a right to a card, account, credit line, exchange service, particular fee, rollout date, or approval. Product statements such as “$0 creation” or “$0 maintenance” refer only to the stated Vybe fees for the described product and do not eliminate network, conversion, transaction, replacement, dispute, or third-party charges that are separately disclosed.

A card provider may approve or decline an application, set limits, block merchants, reverse or decline transactions, request more information, or suspend a card under its rules. Local-currency partners may set quotes, payment methods, settlement times, and supported banks independently.

Third-party services and protocols

Vybe depends on services and systems we do not control, including Crossmint, authentication providers, Base and other blockchain networks, token contracts and issuers, RPC and indexing services, identity vendors, payment providers, card networks, banks, and internet infrastructure. Some of these partners operate, or hold licenses or access, across multiple regions so features can reach users outside Nigeria where those partners allow it.

Their terms, privacy notices, availability, eligibility rules, and technical behavior may apply to you. Vybe is not responsible for a third party’s independent acts or omissions, protocol changes, insolvency, cyber incidents, de-pegging, freezes, blacklists, forks, downtime, or decisions to stop supporting an asset, country, or account.

AI features

Some features use third-party AI models, including Buildr’s tool drafts and Tricia, our support assistant. AI output can be inaccurate or out of date. It is not financial, legal, or tax advice, and you should check it before you rely on it.

Do not enter private keys, seed phrases, one-time codes, passwords, or API keys into a chat or a tool description. Use the saved keys feature for API keys.

Digital-asset risks

You understand and accept that:

stablecoins can lose their peg, become illiquid, be frozen by an issuer, or lose all value;
smart contracts, wallets, bridges, tokens, and networks may contain bugs or be exploited;
blockchain congestion, reorganization, forks, and validator or sequencer issues may delay or fail transactions;
laws, taxes, and regulatory treatment of digital assets may change quickly and differ by location;
scams, phishing, impersonation, address poisoning, and malicious tokens can appear legitimate; and
digital-asset balances are not necessarily protected by deposit insurance or investor-compensation schemes.

Use only assets and amounts you understand and can afford to lose. Vybe does not recommend or guarantee any token.

Acceptable use

You must not use the Services to:

violate law, sanctions, court orders, or another person’s rights;
launder money, finance terrorism, evade taxes, traffic prohibited goods, or process proceeds of crime;
defraud, deceive, harass, threaten, exploit, or impersonate anyone;
distribute malware, phishing, spam, or unauthorized promotions;
manipulate promotions, gas sponsorship, usernames, referrals, rate limits, or eligibility checks;
probe, disrupt, overload, scrape, reverse engineer, or bypass security except where law expressly permits;
use bots or other automated means, other than our documented APIs, MCP servers, and agent features, without written permission, or access another user’s account;
conceal your location, identity, or transaction purpose to evade a lawful restriction;
sell illegal, counterfeit, stolen, or infringing goods, services, or data, or misrepresent what a listing, tool, or game item provides;
run gambling, lotteries, loot boxes, paid random rewards, or real-money prize schemes;
publish tools that scrape or resell data you have no right to, bypass paywalls or access controls, or break another service’s terms;
use agent payments, spend keys, or free calls to get around limits, approvals, or pricing; or
create fake buyers, sales, players, or usage to manipulate rankings, fees, or analytics.

We may use automated and manual controls to enforce these rules and cooperate with providers or authorities where legally required.

Limits, suspension, and termination

We may limit, suspend, or terminate access to all or part of Vybe if we reasonably believe it is necessary to:

protect users, systems, providers, or the public;
investigate suspected fraud, abuse, or a security incident;
comply with law, sanctions, or a valid authority request;
enforce these Terms or provider requirements;
address technical, network, or business changes; or
discontinue a feature or the Services.

Where lawful and practical, we will provide notice and a reasonable opportunity to address the issue. Suspension of the Vybe interface does not necessarily remove your ability to access a self-custody wallet through recovery methods supported by the wallet provider. Those methods are governed by the provider.

Content and intellectual property

Vybe and its licensors own the Services, software, design, branding, documentation, and related intellectual property. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the interface for its intended purpose.

You retain rights in content you submit, such as a permitted avatar, seller profile, listing, tool description, API specification, game details, or support message. You grant Vybe a worldwide, non-exclusive license to host, reproduce, display, and process that content only as needed to operate, secure, improve, and provide the Services, including showing your listings and tools in the Marketplace, in search, and to AI assistants.

You must have the rights to the content you submit. We may remove content that we reasonably believe infringes someone’s rights or breaks these Terms.

If you send feedback, you allow us to use it without restriction or compensation, provided we do not publicly identify you without permission.

Disclaimers

To the maximum extent permitted by law, the Services are provided “as is” and “as available.” Vybe disclaims implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, uninterrupted availability, accuracy, and security.

We do not warrant that a transaction will be accepted, sponsored, confirmed, reversible, profitable, or available by a particular time; that a token will maintain value; that a username identifies a trustworthy person; or that a future feature will launch as described. Nothing in these Terms excludes a warranty or right that cannot legally be excluded.

Limitation of liability

To the maximum extent permitted by law, Vybe and its affiliates, officers, employees, contractors, and licensors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, opportunity, data, goodwill, digital assets, or business interruption.

This limitation includes losses arising from account compromise, recipient mistakes, irreversible transactions, unsupported assets, blockchain or smart-contract failure, token de-pegging, third-party services, regulatory action, downtime, or your reliance on displayed balances or estimates.

Where liability cannot be excluded, Vybe’s aggregate liability for claims arising from the Services will not exceed the greater of the fees you paid directly to Vybe during the six months before the event giving rise to the claim or US$100. This cap does not apply where prohibited by law or to liability that cannot lawfully be limited.

Your responsibility for claims

To the extent permitted by law, you will defend, indemnify, and hold harmless Vybe and its affiliates, officers, employees, and contractors from third-party claims, losses, and reasonable costs arising from your unlawful use of the Services, violation of these Terms, infringement of another person’s rights, content you submit, tools or games you publish, or disputes between you and a payer, buyer, player, recipient, client, merchant, or invitee.

Governing law and disputes

Before filing a formal claim, contact Vybe through in-app support and provide enough detail for us to investigate. Both sides agree to try in good faith to resolve the dispute informally for at least 30 days.

Unless mandatory consumer law requires otherwise, these Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-law rules, and the courts located in Nigeria will have jurisdiction. You retain any non-waivable rights and may bring a claim in another forum where applicable law requires it.

Governing law for these Terms does not mean Vybe only operates in Nigeria. We provide a software interface that works with third-party wallet, blockchain, identity, payment, banking, and other partners who may be licensed or available in different countries and regions. Those partners’ own terms, eligibility rules, and local laws can apply to the parts of a transaction or feature they provide. Availability of any partner rail depends on that partner and your location, not on Nigerian governing law alone.

Changes to Vybe or these Terms

We may modify the Services, supported assets, networks, providers, limits, fees, or these Terms as the product, law, security risks, or business needs change. We will post updated Terms with a new effective date and provide additional notice for material changes where required.

If you continue using Vybe after updated Terms take effect, you agree to them. If you do not agree, stop using the Services. Changes will not retroactively alter a dispute that arose before their effective date unless law permits and the updated Terms clearly say so.

General terms and contact

These Terms, the Privacy Policy, and any feature-specific terms form the entire agreement about the Services. If part of these Terms is unenforceable, the remaining provisions continue. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them as part of a reorganization, financing, merger, acquisition, or transfer of the Services.

For questions, notices, or complaints, contact Vybe through the support channel available in the app. Never include private keys, seed phrases, or one-time codes in a support message. To delete your account, see Delete your Vybe account.