Welcome to Swypt, the trailblazing gateway that harmoniously interlinks the realms of cryptocurrency and mobile money. Rooted in the heart of Kenya, Swypt extends an unparalleled experience, allowing users to traverse between their self-custodial wallets and Mpesa mobile money in Kenyan Shillings.

What sets Swypt apart is not just our technological prowess but also our philosophy. We believe in amplifying financial inclusivity, erasing borders, and empowering our users to be at the helm of their financial narratives.

By accessing our platform and harnessing the power of our Services, you are entering into a binding agreement with Swypt. This means you acknowledge, with full comprehension, your adherence to the stipulated terms and conditions herein.

Before proceeding with any transaction or activity on our platform, please invest time to thoroughly read and understand these terms. They serve as the foundation for our collaboration, emphasizing our commitment to maintaining an environment characterized by trust, integrity, and user-centricity.

By continuing to utilize our Services, you also acknowledge that:

• You possess the legal authority and capacity under your jurisdiction's laws to enter into and be bound by these terms.
• You will frequently review this section to stay updated on any modifications or updates to the terms of use.

To benefit from the groundbreaking Services Swypt offers and partake in the fusion of cryptocurrency with Mpesa mobile money, you must meet certain criteria:

• Age: You must be at least 18 years old.
• Mpesa Account: An active Mpesa mobile money account is indispensable.
• Self-Custodial Wallet: You must possess an active self-custodial wallet.
• Jurisdictional Compliance: Users must comply with their local regulations.
• Integrity: Users should maintain honesty in all dealings on the platform.
• Technical Requirements: Ensure you have the necessary technological tools.
• KYC & AML: Users may need to undergo verification processes.

At the heart of Swypt lies a mission to revolutionize the way individuals interact with decentralized finance:

• DeFi Onboarding: Intuitive platform for users new to cryptocurrency.
• Cryptocurrency Offramping: Convert crypto assets into Kenyan Shillings.
• Intuitive Interface: User-friendly for beginners and comprehensive for experts.
• Peer-to-Peer Swaps: Direct engagement in P2P swaps.
• Education & Support: Educational resources and support channels.
• Flexible Transaction Limits: Various transaction tiers for different users.

Our fee policy is designed to be clear, straightforward, and competitive:

• Transaction Fees: Applied to processing of deposits or withdrawals.
• Network Fees (Gas Fees): Required for blockchain operations.
• Dynamic Nature: Fees vary based on network conditions.
• Transparency: Clear breakdown of all fees before transactions.

• Geographic Limitations: Primary focus on Mpesa users in Kenya.
• Transaction Caps: Daily, weekly, and monthly limits apply.
• Maintenance Windows: Scheduled maintenance periods.
• Compliance Checks: Additional verification may be required.
• Network Constraints: Dependent on blockchain and Mpesa systems.
• Dynamic Service Features: Evolving feature set.

Swypt's commitment to data protection includes:

• Collection of Information: Essential data gathering only.
• Purpose Limitation: Specific, outlined purposes for data use.
• Data Minimization: Only necessary data collected.
• Encryption & Security: State-of-the-art protection methods.
• User Rights: Access, modify, and delete personal information.
• Third-Party Sharing: Strict limitations and agreements.

• Infrastructure Integrity: Robust and resilient infrastructure that ensures reliable service delivery and data protection.
• Self-Custodial Wallet Protection: Secure wallet integrations with industry-standard security protocols and measures.
• Smart Contract Security: Rigorous audits and testing conducted by reputable third-party security firms.
• End-to-End Encryption: Advanced cryptographic protection for all sensitive data and communications.
• Regular Audits: Routine security assessments to identify and address potential vulnerabilities.
• Incident Response: Established security protocols and rapid response procedures for any security events.
• Access Controls: Strict authentication and authorization mechanisms to prevent unauthorized access.
• Continuous Monitoring: 24/7 surveillance of our systems for any suspicious activities.

Cryptocurrencies can experience significant price fluctuations. Users should be aware of the following aspects:

Exercise Caution:

Prices can swing dramatically over short periods, leading to both substantial gains and losses. Users should:

• Never invest more than they can afford to lose
• Understand the risks associated with cryptocurrency trading
• Monitor market conditions regularly
• Consider seeking professional financial advice

Regulatory Considerations:

Stay informed about regulations in your jurisdiction and comply with relevant laws. Important aspects include:

• Tax obligations and reporting requirements
• Local cryptocurrency regulations
• Cross-border transaction rules
• Anti-money laundering compliance

Acknowledging Volatility:

Users acknowledge and accept the inherent volatility in cryptocurrency markets. This includes understanding:

• Market prices can change rapidly and unpredictably
• Past performance does not guarantee future results
• External factors can significantly impact cryptocurrency values
• The importance of conducting thorough research before trading