Last updated 5 December 2025
This Customer Agreement ("Agreement") is between you and Zayment Finance SP Z.O.O DBA “Endl” ("Endl," "we," or "us"). This Agreement governs your use of the services provided by or on behalf of Endl, as described herein (collectively "Services"), including, without limitation, the services and functionality provided through our website, technology software, and APIs (collectively "Platform").
This Agreement governs your access to and use of the Services. Please read this Agreement carefully as it includes important information about your legal rights. By accessing and/or using the Services, you agree to this Agreement. If you do not understand or agree to this Agreement, do not use the Services.
Overview of Services
Third-Party Platforms
Our Services may integrate with certain third-party platforms ("Third-Party Platforms"). You agree that such Third-Party Platforms may have additional terms and conditions.
Digital Assets
You acknowledge and agree that Digital Asset deposits and withdrawals may be delayed due to service downtimes or congestion on the Digital Asset network. Deposits may require a certain number of network confirmations before being settled. We may set withdrawal limits or minimums for Digital Asset transactions from time to time.
Custody and Wallet Providers
We may provide access to different types of Wallets and custody arrangements for Digital Assets:
Wallets that are self hosted or self custodial, generated and operated using multi party computation or similar key management technology, and
Wallets or accounts where Digital Assets are held with third party custodians or service providers in pooled or omnibus arrangements.
We may engage third party wallet infrastructure providers, custodians and other service providers to support these arrangements. You acknowledge that:
Digital Assets held in self hosted or self custodial Wallets are controlled through cryptographic keys and technical controls, and access can be lost if those keys or controls are lost or compromised, and
Digital Assets or Fiat Currency held with custodians or banking or payment partners are held in pooled or omnibus accounts and may be subject to the terms, risks and protections that apply to those accounts and to the relevant jurisdiction.
We will exercise reasonable care in selecting and instructing our service providers, but we do not guarantee the security, availability or performance of any blockchain network, Wallet technology or third party custodian.
endl is not a lawyer, a law firm, investment manager, investment advisor, consultants, consulting firm, accountants, or an accounting firm. Nothing on this Platform is intended to constitute legal, investment, tax, or other advice. The past performance of any product, investment, loan, security, partnership interest, commodity or financial instrument is not a guide to future performance. WITHOUT LIMITING ANYTHING IN THE TERMS, ENDL MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY OF ITS PRODUCTS OR THE PERFORMANCE THEREOF.
Eligibility
Creating Your Account/Registration
To use the Services, you must complete the registration process and then complete endl’s account opening procedures. First, you must register for an account by verifying your email address. Upon registering your account, an endl Account will be created for you to access your application and other resources. You agree that the registration and other information you provide to open an account is accurate, complete and current. You further agree to promptly update that information to keep it accurate, complete and current. YOU UNDERSTAND THAT A CHANGE IN YOUR STATE OF RESIDENCE MAY IMPACT YOUR ELIGIBILITY TO ACCESS AND USE THE ONLINE PLATFORM, AND HEREBY AGREE TO NOTIFY US IN ADVANCE OF ANY CHANGE IN YOUR STATE OF RESIDENCE. If you register on behalf of a business entity or other organization, you represent and warrant that you have the authority to provide the information required and to bind the organization to the Terms. You acknowledge and agree that endl, in its sole discretion, may suspend or discontinue your, and refuse any and all current and future, access to or use of your endl Account at any time without notice to you.
Safeguarding Your Account
You are solely responsible for safeguarding your endl Account and maintaining the confidentiality of your password. You must notify us immediately at support@endl.app if you suspect unauthorized use of your account.
Verification, Identification, Account Opening, and Regulatory Compliance
endl is dedicated to prohibiting and actively preventing money laundering and any activity that facilitates money laundering or the funding of terrorist or criminal activities by observing regional requirements imposed on financial institutions. To that end, endl may collect certain information regarding you and your operations pursuant to your internal procedures/policies/programs. Your access to and use of the services offered by endl is/are subject to compliance with endl’s compliance policies and programs. We also may obtain personal information related to you, from third parties in order to verify your identity, or to prevent fraud. Personal information collected from any source may include, among other things, your name and address, Social Security or taxpayer identification number, and date of birth. You certify under penalty of perjury that the information provided is correct. You hereby authorize us, or a third-party service provider that we designate, to take any measures that we consider necessary to confirm the personal information you provide, verify and authenticate your personal information, and take any action we deem necessary based on the results. You acknowledge that this process may result in a delay in registering your endl Account, and that you may not be authorized to access or use your endl Account until your registration has been successfully completed. As part of our legal compliance program, moreover, we will monitor your endl Account and your use of the Platform, and review your personal information on an ongoing basis, as may be required by law or pursuant to our internal policies and procedures. At any time, we may require you to provide us with additional personal information as a condition to your continued access to and use of your endl Account. During such time, your access to and use of your endl Account may be temporarily restricted.
endl may require additional verification or documentation as part of the onboarding process or during your use of the Services. You authorize endl to verify your identity and information, which may involve checking commercial databases or credit reports.
Endl Account, Virtual Accounts and Wallets
Your Endl Account is a record of Fiat Currency and supported Digital Asset balances that you hold through the Services. It may include one or more virtual bank or payment accounts in your name or for your benefit provided by banking or payment partners (each a “Virtual Account”), and one or more Digital Asset wallets made available through the Platform (each a “Wallet”).
When you send Fiat Currency to a Virtual Account that we provide for you, we show the corresponding Fiat balance in your Endl Account once the transfer has cleared. When you send supported stablecoins to a Wallet address or other identifier that we designate for you, or when Fiat Currency is converted into supported stablecoins through the Services, we may reflect the value of those stablecoins as a Fiat Currency equivalent balance in your Endl Account once the transaction is confirmed and accepted.
Certain Wallets are generated and operated using multi party computation or similar key management technology provided by third party wallet infrastructure providers. These Wallets are intended to be self hosted or self custodial and are controlled by cryptographic keys that are not intended to be solely controlled by endl. By using the Services you authorise endl and its service providers to use this technology on your behalf, and to initiate and sign transactions from your Wallets when you submit instructions in the Platform, including funding and withdrawing, converting between assets, and loading balances to an Endl Card.
You can instruct us through the Platform to:
Withdraw Fiat Currency from your Endl Account to an external bank account supported in the Platform, or
Withdraw supported stablecoins from your Endl Account to an external wallet,
in each case subject to our limits, fees, FX, and compliance checks.
By using the Services you authorise endl and its partners to hold Fiat Currency for you in pooled or omnibus accounts with banking or payment partners, and to hold and transfer Digital Assets using Wallets and other technical arrangements operated by endl or its service providers. You further authorise endl and its partners to convert between Fiat Currency and supported stablecoins and between currencies as needed to operate the Services, at the rates and fees shown in the Platform or on our fees page.
Your Endl Account, any Virtual Accounts, and any balances shown in the Platform are not a bank account, savings product, deposit, or investment with Endl and do not benefit from any deposit guarantee or compensation scheme.
Wallets
The Services may support two broad types of wallets:
Wallets that are generated and operated for you through the Platform using multi party computation or similar key management technology, and
External wallets that you connect by providing an address or using any integration that we support
For Wallets generated and operated through the Platform, you authorise endl and its service providers to act on instructions that you submit through the Platform, including to sign transactions, move Digital Assets, and perform conversions or loads and withdrawals related to your Endl Account and any Endl Card.
For external wallets that you connect, you remain solely responsible for:
Securing those wallets and any associated keys or credentials
Ensuring that any address or other details you provide are correct
Any loss resulting from transactions you initiate to or from those external wallets
We do not control your external wallets and are not responsible for the security, availability or performance of any external wallet provider, or for any loss arising from your failure to secure your keys, seed phrases, devices or credentials.
Account Limits
endl may impose transaction or withdrawal limits or place temporary holds on transactions. These restrictions are implemented to protect the security and integrity of the Services.
Account Closure
You may close your endl Account at any time. However, closing your account will not affect any obligations or liabilities incurred prior to the closure date. You must cancel all open transactions before closing your account. If no transfer instructions are provided for remaining assets, endl may take any legally permitted action to transfer them to you.
Actions Against Your Account
endl may comply with legal actions such as subpoenas or garnishments, freezing assets in your account if required by law. Fees or expenses incurred in responding to such actions may be charged to your endl Account.
Fees
You agree to pay all fees associated with the use of the Services. These fees may include transaction fees, service fees, and subscription fees.
Taxes
You are responsible for reporting and paying any taxes applicable to your transactions via the Services. endl may withhold tax amounts from your transactions if required by law.
Subscription Payment
If you subscribe to any of our paid Services, you agree to pay the applicable fees and taxes. Subscriptions will automatically renew unless canceled at least 90 days before the renewal date.
Subscription Renewals and Cancellation
Your subscription will automatically renew unless you cancel 90 days before the renewal date. There are no refunds for partially used subscription periods. You will continue to have access to the Services until the end of the subscription term.
Our Privacy Policy describes how we handle your information. For more information, visit https://endl.io/legal/privacy-policy
Right to Use the Services
We grant you a personal, non-transferable right to use the Services for personal, non-commercial purposes, as long as you comply with this Agreement.
Restrictions on Your Use of the Services
You may not copy, distribute, modify, or sublicense the Services without prior written permission. You are also prohibited from engaging in fraudulent or unlawful activities, reverse engineering, or tampering with the Services.
Ownership of the Services
endl owns all rights, title, and interest in the Services, including intellectual property rights. You agree not to take any action inconsistent with endl’s ownership rights.
Ownership of Feedback
Any feedback or suggestions you provide to endl regarding the Services will be owned by endl. You assign all rights to endl without any compensation or retention of proprietary rights.
Third-Party Services
The Services and Endl Site may provide access to or link to third-party services (“Third Party Services”). When you access Third Party Services through the Platform you may be transferring Fiat Currency or Digital Assets to those third parties to hold for you, or authorising Endl and its partners to hold or control those assets on your behalf in pooled or omnibus accounts or Wallets. We engage Third-Party Services for account creation, custody and settlement, but they do not act as your agents, and you remain exposed to the risks that apply to those third parties and to the relevant jurisdiction. The Services and Endl Site may provide access to or link to third-party services (“Third-Party Services”). When you use Third-Party Services in connection with the Platform you understand that you may be:
Transferring Fiat Currency or Digital Assets to those third parties to hold for you, or
Authorising Endl and its partners to hold or control those assets on your behalf in pooled or omnibus accounts or Wallets
We engage Third-Party Services for account creation, custody, payments and settlement. We provide access to Third-Party Services only as a convenience, do not have control over their content, do not warrant or endorse, and are not responsible for the availability or legality of, the content, products, assets, or services on or accessible from those Third-Party Services (including any related websites, resources or links displayed therein). Third-Party Services are not affiliates of Endl or Zayment Holdings Ltd and operate independently. Third-Party Services may provide access to assets which have high risks of illiquidity, devaluation, lock-up, or loss.
To the extent that assets are held by Third-Party Services, they may be subject to the terms, protections and risks that apply in the relevant jurisdiction and under the agreements that apply between you, Endl and those third parties.
Disclaimers
The Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind. endl disclaims all warranties and liabilities to the extent permitted by law.
Limitations of Liability
endl is not responsible for any damages arising from your use of the Services. In no event shall endl's total liability exceed $100 or the amount you paid in the last six months for the Services, whichever is greater.
Indemnification
You agree to defend, indemnify, and hold endl and their officers, employees, harmless from any claims, liabilities, or expenses arising out of your violation of this Agreement or misuse of the Services.
The following are some examples of risk which the Users are agreeing to bare themselves. Endl is not responsible for these, or any other risks related to the information on, investment, or transfer of VAs.
General Risks
Virtual Assets (VAs), including cryptocurrencies, are digital representations of value that are not backed by any government or central bank. They are speculative investments involving a high degree of risk.
The value of VAs is derived from market demand and supply, making them highly volatile. Prices can fluctuate significantly over short periods, potentially resulting in substantial losses.
VAs do not have legal tender status and may not be accepted as a means of payment.
There is a risk of permanent and total loss of value if the market for a particular VA disappears.
Regulatory Risks
The regulatory environment for VAs is continuously evolving. Changes in laws or regulations at local, state, federal, or international levels may adversely affect the use, transfer, exchange, or value of VAs. Endl is not responsible for any regulations, restrictions, or holds, which are enforced by law.
The User is responsible for complying with all local laws and regulations in the User’s place of residence. Our Services are not offered to users in jurisdictions where such use is prohibited (Restricted Jurisdictions).
VA markets and exchanges may not have the same regulatory controls or customer protections as traditional financial markets. Endl is not a regulatory entity and is not responsible for regulating VA markets.
Operational Risks
There is no assurance that using our Services will result in profits or meet the User’s investment objectives. The User may lose some or all of the User’s capital.
VAs can be complex and difficult to understand. Features and operations may require specialized knowledge. Endl is not responsible for educating the Users on VAs.
Transactions in VAs may be irreversible once recorded on a public ledger.
We strongly recommend conducting thorough research before investing in any VA.
Endl suggests that User protect their private keys and seed phrases from unauthorized access. Endl suggests that User use secure storage solutions and maintain good cybersecurity practices.
Cyber Risks
VAs may be susceptible to security breaches, cyber-attacks, or other technological difficulties, which could prevent access to your assets.
The digital nature of VAs increases the risk of fraud, hacking, and cyber-attacks, which may result in the loss of your assets.
Losses due to theft, fraudulent activities, or accidental transactions may not be recoverable.
Malicious actors may attempt to interfere with the Platform through various means, including malware, denial of service attacks, or spoofing.
endl is not responsible for the recovery of lost, stolen, or otherwise no longer existing assets.
Informal Process First
Before resorting to formal dispute resolution, you and endl agree to attempt to resolve any dispute amicably or by means of mediation.
Arbitration Agreement
Any dispute relating to the Services will be resolved through binding arbitration. Both parties waive the right to participate in class action litigation. This does not preclude the right to Class Action Procedures for Arbitration, as specified below.
Any dispute, controversy, or claim arising out of or relating to this Agreement, including the formation, interpretation, breach or termination thereof, including whether the claims asserted are arbitrable, shall be referred to and determined by arbitration administered by JAMS in accordance with the JAMS International Arbitration Rules in effect as of the day of filing the claim, or as otherwise agreed upon by the parties. Claims shall be heard by a single arbitrator unless the claim amount exceeds $1,500,000.00, in which case the dispute shall be heard by a panel of three arbitrators. The arbitration shall be governed by New York law. The place of arbitration shall be Dubai, U.A.E. The language of the arbitration shall be English. Within 14 days after the commencement of arbitration, each party shall select a person to serve as an arbitrator. In the case of a panel of three arbitrators, the parties shall then select the presiding arbitrator within 14 days after completion of the appointment of the party selections. If any arbitrators are not selected within these time periods, the parties agree to appoint the arbitral tribunal using a rank-and-strike list method. No arbitrator shall have the same nationality as any party to the arbitration. When selecting an arbitrator from neutrals, the parties agree that they will seek to appoint a fair representation of diverse arbitrators (considering gender, ethnicity and sexual orientation), and will request administering institutions to include a fair representation of diverse candidates on their rosters and list of potential arbitrator appointees. Except as may be required by law, neither a party nor an arbitrator may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of both parties.
Costs of Arbitration
Payment of arbitration costs will be governed by the JAMS International Arbitration Rules.
Class Action Procedures for Arbitration
If there are 100 or more similar claims filed against endl within 30 days, the administering institutions may administer the claims in batches, with one arbitrator appointed per batch.
Severability
The parties agree that this arbitration agreement is independent and separable from the other terms of this Agreement. Any decision by the arbitrator or panel of arbitrators(s) or a court of competent jurisdiction that any part of this Agreement, other than this arbitration agreement, is void, voidable, or unenforceable shall not affect the validity or enforceability of this arbitration agreement.
Governing Law Venue
The validity, interpretation, and performance of this Agreement shall be governed by the laws of the State of New York, without giving effect to the conflicts of laws provisions thereof.
Class Action Waiver
You and endl agree to waive the right to bring class actions or consolidated claims.
Opt-Out Option
You may opt out of the arbitration provision within 30 days of agreeing to this Agreement by notifying endl in writing. Written notice for purposes of opting out of the arbitration needs to be submitted to support@endl.app , with the subject line ARBITRATION WAIVER followed by your FIRST NAME and your LAST NAME. FAILURE TO INCLUDE THIS INFORMATION IN THE SUBJECT LINE WITHIN 30 DAYS OF AGREEING TO THIS AGREEMENT WAIVES YOUR RIGHT TO OPT OUT OF ARBITRATION.
Class Action Waiver
You and endl agree to waive the right to bring class actions or consolidated claims before any court of law and any other forum, except as specified in the Class Action Procedures for Arbitration section of this Agreement.
California Residents
If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs.
Attachment A - Additional Terms – United States
Additional terms and conditions for users using the US Dollar accounts.
Services
General
In the United States, endl is not licensed as a money transmitter in the U.S. states the services are provided by a Financial Institution Partner who holds the Money transmitter licenses
endl Services
Your endl Account, including any Fiat Currency and Digital Assets held, is not insured by the FDIC or any other governmental agency.
Bank Services
In states where endl is not licensed as a money transmitter, Fiat Currency may be held in an omnibus custodial account at a Financial Institution Partner. This account does not create a direct relationship between you and the Financial Institution Partner.
Fiat Currency Transactions
Fiat Currency can be transferred into your endl Account through methods such as ACH or wire transfer. The funds will be available once settled, subject to possible delays.
Digital Asset Transactions
You may transfer or receive supported Digital Assets into your Digital Asset Account. Endl may use shared blockchain addresses to hold Digital Assets on behalf of customers.
Transfers
You can transfer Fiat Currency or Digital Assets to another account, including non-endl accounts, subject to verification and compliance with the terms of this Agreement.
Wire Deposits and Withdrawals
Wire transfers are subject to cut-off times, bank holidays, and security procedures. You are responsible for ensuring the accuracy of wire transfer details.
ACH Entries
ACH transactions may also be subject to cut-off times, bank holidays, and security procedures. You must comply with NACHA Rules for ACH services.
Exchange Rates; Transaction Fees
endl will determine the exchange rates for supported Fiat Currencies and Digital Assets. Transaction fees may also apply.
Instructions
Your endl Account is directed by you, and endl acts as your agent to carry out instructions. Once an instruction is submitted, it may not be reversible.
Arbitration and Class Action Waiver
Arbitration Agreement
Any dispute related to the Services will be resolved through binding arbitration administered by the International Centre for Dispute Resolution in accordance with its International Arbitration Rules, in effect at the point of filing the claim, or if otherwise agreed to by the parties. Arbitration will take place on an individual basis—class arbitrations and class actions are not permitted.
Exceptions
Unless otherwise agreed to in writing by the parties, there are no exceptions to the Arbitration Agreement.
Costs of Arbitration
Payment of arbitration costs will be governed by the International Rules.
Class Arbitration
If there are 100 or more similar claims filed against endl within 30 days, the International Centre for Dispute Resolution may administer the claims in batches, with one arbitrator appointed per batch. However, the arbitrator shall decide on each case individually.
Waiver of Right to Bring Class Action and Representative Claims
You and endl agree to waive the right to bring class actions or participate in class arbitrations.
Governing Law
This Agreement, including this US Addendum, shall be governed by the laws of the State of New York, without giving effect to the conflicts of laws provisions thereof.
California Residents
If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs.
Electronic Communications
By using the Services, you agree to receive electronic communications from endl.
Paper Copies
You may request a paper copy of any Disclosure provided electronically.
Withdrawing Your Consent
You may withdraw your consent to receive electronic communications by notifying endl.
Updating Your Contact Information
You must promptly notify endl of any changes to your email or mailing address.
Required Hardware and Software
To access electronic Disclosures, you need a recent-generation personal computer or mobile device, a web browser, a PDF reader, and a working email address.
Termination/Changes
endl reserves the right to terminate or change electronic communication provisions at any time.
Consumer Rights
This section applies to you if you are a “consumer” as defined under Regulation E to the Electronic Fund Transfer Act.
Remittances
For remittance transfers, you have the right to cancel and obtain a refund within 30 minutes of payment.
Electronic Fund Transfers
This section applies to Electronic Fund Transfers via the Services.
Unauthorized Transfers
Notify endl immediately if you believe your endl Account credentials have been compromised. Your liability for unauthorized transfers may be limited to $50 if you notify endl within 2 business days.
Errors
Report errors within 60 days of the statement showing the error. endl will investigate and correct any errors promptly.
Attachment B - Additional and Alternative Terms – European Union
Additional terms and conditions for users using the Euro accounts.
Services
General
Endl’s services offered in the EU are offered through a partner who is a licensed virtual currency exchange operator in Lithuania. However, endl is not licensed to provide payment services or issue electronic money under the EU Payment Services Directive or the EU Electronic Money Directive.
Bank Services
Fiat Currency will be held in an omnibus custodial account provided by third-party financial institutions.
Disclaimers
endl provides the Services on an "AS IS" and "AS AVAILABLE" basis, with no warranties of any kind.
Governing Law
This Agreement, including this Europe Addendum, shall be governed by the laws of the State of New York, without giving effect to the conflicts of laws provisions thereof.
Additional Provisions
Updates; Monitoring
endl may update or modify the Services from time to time. Your continued use of the Services is subject to such updates.
SMS Messaging and Phone Calls
endl may contact you via phone or text messages, including for marketing purposes. You can opt-out of receiving text messages at any time.
Termination of License and Your Account
endl may terminate your account or license to use the Services if you breach this Agreement.
Injunctive Relief
endl may seek injunctive relief if you breach this Agreement, causing irreparable harm
Unclaimed Property
endl may report any unclaimed Fiat Currency or Digital Assets in your endl Account to the applicable governmental entity as unclaimed property.
Export Laws
You agree to comply with all applicable export laws and regulations when using the Services.
Force Majeure
endl is not liable for any failure or delay in fulfilling obligations due to events beyond its control, such as natural disasters, war, or labor strikes.
Miscellaneous
If any provision of this Agreement is found to be unlawful or unenforceable, it will be severed, and the remaining provisions will continue in effect. The section headings are for reference only and have no legal effect.
You may contact endl regarding the Services or this Agreement at:
Zayment Holdings Limited Level 1, IH-00-01-CP-05, Dubai International Financial Centre,
Dubai, United Arab Emirates.