Terms of Service (TOS)

FintechWave AI Agent Portal (PaaS) • Updated: March 2026

1. Acceptance of Terms

By accessing or using the FintechWave AI Agent Portal (“Platform”) at fintechwave.ai, you agree to be bound by these Terms of Service. If you do not agree, you must not use the Platform.

Definitions: “Fintech Wave”, “Fintech Wave AI”, and “fintechwave.ai” (collectively, “FintechWave”, “we”, “us”, or “our”) refer to the operator of the Platform.

2. Eligibility

You must be at least 18 years old to use this Platform.

By using the Platform, you confirm that you meet this requirement and have the legal capacity to enter into this agreement.

3. Platform Overview

The Platform is an NFT-gated AI Agent Portal designed for:

  • AI-powered automation tools
  • Educational experimentation with AI and blockchain technologies
  • Limited-value cryptocurrency interactions

Access requires ownership of a qualifying NFT. That NFT ownership gives you access to an AI Agent NFT - Node License. This license contains the software by which you can launch the AI Agent portal on an Ubuntu VPS server that you provide. You cannot access the AI Agent portal on the Fintech Wave / Fintech Wave AI site, “fintechwave.ai” with your AI Agent NFT. The ONLY way that your NFT allows you to access the Fintech Wave AI Agent platform, is through the launch and operation of your own “Licensed” Node Version on the Fintech Wave AI Agent software (The Software).

4. No Refunds

All sales are final. No refunds.

This includes (without limitation) purchases of the Fintech Wave - AI Agent NFT (which grants access to the AI Agent Platform), as well as any fees or token payments made in connection with Platform usage.

You acknowledge that blockchain-based transactions are typically irreversible and may involve third-party marketplaces, wallets, and networks outside of our control.

5. Cryptocurrency Features & Limits

To promote responsible use and reduce risk:

  • Token Swaps: Limited to a maximum equivalent of $25 USD per transaction
  • Token Sends (XRPL): Limited to a maximum equivalent of $5 USD per transaction

Swap platform fee: When you complete a token swap through the Platform, a platform fee of 0.5% of the swap’s value (expressed in USD) may be charged in addition to standard network fees. That fee is converted to XRP using the Platform’s XRP/USD reference at the time the fee payment is sent, and is paid as a separate XRP Ledger transaction to a designated fee wallet. As market conditions change, the swap fee percentage may be adjusted up or down by FintechWave (including via server configuration).

Approx / displayed swap quotes: Estimated amounts shown in the Portal (including “Approx … Received”) for XRPL AMM pairs such as XRP / RLUSD are derived from the on-ledger AMM pool quote. That quote already incorporates the pool’s trading fee (currently about 0.2% for XRP / RLUSD). As a result, Approx figures may differ slightly from centralized-exchange spot or futures prices even before the separate Platform swap fee above. AMM pool fees and depths can change over time.

The Swaps and Sends limits are enforced to:

  • Discourage misuse or illicit activity
  • Protect inexperienced users from significant financial loss

You acknowledge that all blockchain transactions are irreversible.

6. AI-Monetized MicroPosts™

The Platform allows users to create monetized content:

  • Format Limits:
    • Headline: up to 50 characters
    • Body: up to 400 characters
  • Cost: Each MicroPost requires a payment of 100 $AGENTIC tokens
  • Functionality: MicroPosts are converted into AI-generated monetized links
  • Revenue Split:
    • 50% paid to the creator (in Base USDC)
    • 50% retained by fintechwave.ai
  • Payouts: Creator earnings are automatically sent to the user’s connected Base wallet

While MicroPosts™ offer the 'potential' for platform users to earn passive Base USDC, Fintech Wave / Fintech Wave AI does in no way "guarantee" that passive income will be earned on any MicroPosts that platform users create, publish and / or share.

7. Acceptable Use Policy

You agree (ESPECIALLY regarding MicroPosts™) NOT to use the Platform to create, distribute, or promote:

  • Illegal or fraudulent content
  • Malicious code, exploits, or harmful activity
  • Harassment, abuse, or threatening language
  • Sexually explicit or pornographic content
  • Hate speech or discriminatory content
  • Politically subversive or destabilizing messages, targeting any nation or sovereignty
  • Misleading, deceptive, or scam-related content

You Agree, especially regarding the AI Agent Node License Software (the Software), NOT to alter or attempt to alter the AI Agent Node License Software (The Software) in ANY way. And that if you do alter or even “attempt” to alter The Software, that your AI Agent NFT will be strictly banned from any further use of the Fintech Wave - AI Agent platform’s functionality. You will of course, still be able to log into your AI Agent Node, with your AI Agent NFT. But that will be all you can do. You will not be able to use any of the AI Agent platform’s features if your AI Agent NFT is banned.

You can easily avoid having your AI Agent NFT banned, simply by abiding by these Terms of Service – which you explicitly agreed to when you bought your Fintech Wave AI Agent NFT, and Again when you run the AI Agent Node Installer to launch a Fintech Wave AI Agent Node.

FintechWave reserves the right to remove content and restrict access at its sole discretion. Furthermore, Wallet Addresses and their associated AI Agent NFT may be banned at our discretion, for misuse of the AI Agent platform, or violation(s) of these Terms of Service (even on your own node).

8. Risk Disclosure

You understand and accept that:

  • Cryptocurrency and blockchain technologies involve financial risk
  • Transactions are final and non-reversible
  • Smart contracts and AI systems may contain bugs or unexpected behavior
  • Earnings from MicroPosts are not guaranteed

Use of the Platform is at your own risk.

9. No Financial or Legal Advice

The Platform is intended for educational and experimental purposes.

Nothing on the Platform constitutes financial, investment, or legal advice.

10. Account & Wallet Responsibility

You are solely responsible for:

  • Your wallet security and private keys
  • Any transactions initiated from your wallet
  • Ensuring compatibility with supported blockchain networks

FintechWave is NOT a crypto exchange. We do NOT custody any crypto. FintechWave does not have access to or control over your funds.

11. Intellectual Property

All Platform technology, branding, and systems remain the property of fintechwave.ai.

By submitting MicroPosts™, you grant FintechWave a non-exclusive, worldwide license to process, display, and monetize your content within the Platform.

12. No Reselling

You agree by accepting these Terms of Service / Terms of use, NOT to resell or attempt to resell the Fintech Wave AI Agent NFT Node License Software (The Software) in ANY way shape or form.

13. Service Modifications

FintechWave may:

  • Modify or discontinue features
  • Adjust transaction limits
  • Update fees or token requirements

At any time, without prior notice.

14. Termination

We reserve the right to suspend or terminate access if you:

  • Violate these Terms
  • Engage in prohibited activity
  • Attempt to abuse or exploit the system
  • Modify or Attempt to Modify The Software
  • Resell or Attempt to Resell the Software in any way shape or form

15. Limitation of Liability

To the fullest extent permitted by law:

FintechWave shall not be liable for:

  • Loss of funds
  • Missed earnings
  • Smart contract failures
  • Third-party blockchain issues
  • Any indirect or consequential damages

16. Governing Principle

These Terms are intended to promote safe, transparent, and responsible use of emerging AI and blockchain technologies.

17. Changes to Terms

We may update these Terms at any time. Continued use of the Platform constitutes acceptance of the updated Terms.

18. Contact

For questions or support, contact:

https://x.com/fintechwave by Direct Message Only.