Terms of Service

These XRP.io Terms of Service are entered into between you (hereinafter referred to as “you” or “your”) and XRP.io operators (as defined below). By accessing, downloading, using or clicking on “I agree” to accept any XRP.io Services (as defined below) provided by XRP.io (as defined below), you agree that you have read, understood and accepted all of the terms and conditions stipulated in these Terms of Use (hereinafter referred to as “these Terms”) as well as our Privacy Policy at https://xrp.io/privacy-policy. In addition, when using some features of the Services, you may be subject to specific additional terms and conditions applicable to those features.

Please read the terms carefully as they govern your use of XRP.io Services. THESE TERMS CONTAIN IMPORTANT PROVISIONS INCLUDING AN ARBITRATION PROVISION THAT REQUIRES ALL CLAIMS TO BE RESOLVED BY WAY OF LEGALLY BINDING ARBITRATION. The terms of the arbitration provision are set forth in Article 10, “Resolving Disputes: Forum, Arbitration, Class Action Waiver”, hereunder. As with any asset, the values of Digital Currencies (as defined below) may fluctuate significantly and there is a substantial risk of economic losses when purchasing, selling, holding or investing in Digital Currencies and their derivatives. BY MAKING USE OF XRP.IO SERVICES, YOU ACKNOWLEDGE AND AGREE THAT: (1) YOU ARE AWARE OF THE RISKS ASSOCIATED WITH TRANSACTIONS OF DIGITAL CURRENCIES AND THEIR DERIVATIVES; (2) YOU SHALL ASSUME ALL RISKS RELATED TO THE USE OF XRP.IO SERVICES AND TRANSACTIONS OF DIGITAL CURRENCIES AND THEIR DERIVATIVES; AND (3) XRP.IO SHALL NOT BE LIABLE FOR ANY SUCH RISKS OR ADVERSE OUTCOMES.

By accessing, using or attempting to use XRP.io Services in any capacity, you acknowledge that you accept and agree to be bound by these Terms. If you do not agree, do not access XRP.io or utilize XRP.io services.

I. Definitions

1. XRP.io refers to an ecosystem comprising XRP.io websites (whose domain names include but are not limited to https://www.xrp.io), mobile applications, clients, applets and other applications that are developed to offer XRP.io Services, and includes independently-operated platforms, websites and clients within the ecosystem (e.g. XRP.nl, XRP.uk, HODL Charity, and fiat gateways). In case of any inconsistency between relevant terms of use of the above platforms and the contents of these Terms, the respective applicable terms of such platforms shall prevail.

2. XRP.IO Operators refer to all parties that run XRP.io, including but not limited to legal persons, unincorporated organizations and teams that provide XRP.io Services and are responsible for such services. For convenience, unless otherwise stated, references to “XRP.io” and “we” in these Terms specifically mean XRP.io Operators. UNDER THESE TERMS, XRP.IO OPERATORS MAY CHANGE AS XRP.IO’S BUSINESS ADJUSTS, IN WHICH CASE, THE CHANGED OPERATORS SHALL PERFORM THEIR OBLIGATIONS UNDER THESE TERMS WITH YOU AND PROVIDE SERVICES TO YOU, AND SUCH CHANGE DOES NOT AFFECT YOUR RIGHTS AND INTERESTS UNDER THESE TERMS. ADDITIONALLY, THE SCOPE OF XRP.IO OPERATORS MAY BE EXPANDED DUE TO THE PROVISION OF NEW XRP.IO SERVICES, IN WHICH CASE, IF YOU CONTINUE TO USE XRP.IO SERVICES, IT IS DEEMED THAT YOU HAVE AGREED TO JOINTLY EXECUTE THESE TERMS WITH THE NEWLY ADDED XRP.IO OPERATORS. IN CASE OF A DISPUTE, YOU SHALL DETERMINE THE ENTITIES BY WHICH THESE TERMS ARE PERFORMED WITH YOU AND THE COUNTERPARTIES OF THE DISPUTE, DEPENDING ON THE SPECIFIC SERVICES YOU USE AND THE PARTICULAR ACTIONS THAT AFFECT YOUR RIGHTS OR INTERESTS.

Availability of Services

All services are provided without warranty of any kind, either express or implied. We do not represent that this site or our applications will be available 100% of the time to meet your needs. We will strive to provide you with the Service as soon as possible but there are no guarantees that access will not be interrupted, or that there will be no delays, failures, errors, omissions, loss of funds, or loss of transmitted information.

We will use reasonable endeavours to ensure that the platform can normally be accessed by you in accordance with these Terms of Use. We may suspend use of the platform for maintenance and will make reasonable efforts to give you notice. You acknowledge that this may not be possible in all circumstances.

Push Notifications & Advertisements
You can receive push notifications on behalf of XRP LTD, or on behalf of our advertisers if you have given permission for this. XRP LTD is not liable for the content of these push notifications. If you do not wish to receive these messages, you can disable this feature in your phone or web browser.

XRP LTD is not liable for any damage arising from such messages or advertisements. Everything you do is at your own risk.


Transaction fees

XRP.io charges a 5% transaction fee for all XRP deposited into your XRP wallet. For outgoing transactions we charge 1 XRP + 5% of the amount that the user wants to send. You cannot send less than 25 XRP via our wallet, keep this in mind if you want to use our wallet.

XRP LTD has the right to increase these transaction fees and the minimum withdrawal amount.

Withdrawals

When you request a withdrawal, you should keep in mind that XRP.io is relatively more expensive compared to other cryptocurrency wallets and exchanges. This is mainly because we are a small company and work with a small team, which means our costs are significantly higher. We therefore especially recommend the use of a hardware wallet such as the Ledger Nano S.

Before we can pay you, you must complete a KYC form via the website or app, otherwise we may refuse your payout and you will also lose your money.

If you have requested a payout, we have the right to hold your money for a maximum of 8 weeks. In most cases we process all withdrawals within 7 working days. Withdrawals can only be made to other wallets that belong to you.

XRP Mining

It is technically not possible to mine the cryptocurrency XRP. Users mine BTC, ETH or XMR through our mining platform. We pay out these mining profits in XRP. It is not possible to cash out these winnings in a currency other than XRP.

User accounts

XRP.io has the right to block an account if there are suspicious activities. It is strictly forbidden to use a fake e-mail address, or a temporary e-mail address. Each person can have a maximum of 1 account. If these rules are violated, we will delete the account.