# Assistant
Source: https://docs.fizen.io/Assistant
# Fizen Documentation Assistant
This is the official documentation for Fizen — the crypto neobank built for travelers and global citizens.
## About Fizen
Fizen helps users pay like a local, travel smoothly, send money across borders, and manage crypto — all in one app. Key products include:
* **Fizen Card**: USDT-powered Visa card accepted at 150M+ merchants worldwide
* **Fizen Pay**: Crypto payment gateway for businesses
* **Fizen Super App**: All-in-one crypto neobank on iOS and Android
## Support
* Email: [cs@fizen.io](mailto:cs@fizen.io)
* Telegram: [https://url.fizen.io/telegram](https://url.fizen.io/telegram)
# Business Collaboration
Source: https://docs.fizen.io/cooperation-and-business/business-collaboration/business-collaboration
Partner with Fizen to grow your business and reach a global crypto audience.
Accept crypto payments at your business
Community governance and voting
[business@fizen.io](mailto:business@fizen.io)
# Fizen Pay for Business
Source: https://docs.fizen.io/cooperation-and-business/business-collaboration/fizen-pay
Accept USDT from customers — online or in-store — with zero chargeback risk and instant settlement.
***
## Why Fizen Pay
| Traditional Payments | Fizen Pay |
| - | - |
| 2–3% card processing fee | Typically less than 1% |
| 3–15 day settlement | Instant |
| Chargeback risk | No chargebacks |
| Geographic limits | Global |
| Complex integration | Simple QR or API |
***
## What you get
* **QR Pay** — static or dynamic QR codes for in-store payments
* **Online checkout** — hosted payment page or API integration
* **Instant settlement** — no batch delays
* **Non-custodial** — withdraw to your own wallet anytime
* **Dashboard** — manage invoices, payments, and balances in one place
* **Access to Fizen users** — hundreds of thousands of active crypto spenders
***
## Get started
Visit [fizen.io/business](https://fizen.io/business?utm_source=docs_mintlify\&utm_medium=docs) or contact [business@fizen.io](mailto:business@fizen.io).
See the full merchant guide: [Fizen Pay Help Center →](/help-center/fizen-pay/fizen-pay)
# Voting Gateway
Source: https://docs.fizen.io/cooperation-and-business/business-collaboration/voting-gateway
Fizen's Voting Gateway enables projects and communities to run on-chain governance votes using their token — with results displayed and executed transparently.
***
## Use cases
* **Token governance** — let holders vote on protocol changes, treasury allocation, or product direction
* **Community decisions** — polls and proposals with verifiable on-chain results
* **Partnership votes** — let your community weigh in on major partnerships or integrations
***
## How it works
1. Project submits a proposal with voting options and deadline
2. Token holders vote using their Fizen wallet
3. Results are recorded on-chain — transparent and immutable
4. Outcome is executed based on pre-defined rules
***
## Contact
Interested in using the Voting Gateway for your project? Contact [business@fizen.io](mailto:business@fizen.io).
# Integrate Stablecoin
Source: https://docs.fizen.io/cooperation-and-business/integration/integrate-stablecoin
Add stablecoin support to Fizen's payment infrastructure — enabling your stablecoin to be used for real-world spending via Fizen Card and QR Pay.
***
## What this means
Your stablecoin becomes:
* **Loadable** onto Fizen Card for Visa spending at 150M+ merchants
* **Usable** for QR Pay at merchants across SEA and beyond
* **Transferable** via Fizen's wallet to any compatible address
***
## Requirements
* Audited smart contract
* Stable peg mechanism
* Active liquidity on at least one major DEX or exchange
* Legal compliance documentation
***
## Contact
[business@fizen.io](mailto:business@fizen.io)
# Integrating Tokens to Fizen App
Source: https://docs.fizen.io/cooperation-and-business/integration/integrating-tokens-to-fizen-app
Add your token to the Fizen Super App so users can hold, send, and spend it — alongside USDT and other supported assets.
***
## What integration gives your token
* **Visibility** — appears in Fizen's wallet for hundreds of thousands of users
* **Spendability** — users can pay with your token at Fizen Pay merchants
* **Liquidity** — accessible via Fizen's P2P and swap features
* **Trust** — listed alongside verified, audited assets
***
## How to apply
Contact [business@fizen.io](mailto:business@fizen.io) with:
* Token name, symbol, and contract address
* Blockchain network
* Project overview and website
* Any existing community or exchange listings
Our team will review and respond within 5–7 business days.
# Integration
Source: https://docs.fizen.io/cooperation-and-business/integration/integration
Fizen is building a global payment ecosystem that accommodates any token or coin. Join the ecosystem to expand your token's real-world utility.
[business@fizen.io](mailto:business@fizen.io)
Add your token to the Fizen Super App wallet
Add stablecoin support to Fizen's payment flow
# Events
Source: https://docs.fizen.io/events
Limited-time campaigns and rewards from Fizen: $10-equivalent eSIM welcome credit in the app for new users from 19 August 2026, trading jackpots, and more.
## Live campaigns and limited-time rewards from Fizen. First come, first served.
New users from 19 August 2026 get \$10 of eSIM credit automatically in the Fizen App. Promotional credit, not cash. No code. No website claim.
* Download the app and open the eSIM tab
* \$2 more after each successful eSIM purchase
* Covers up to 30% of an eligible order · valid 12 months
* Website and partner pages run separate offers
[Download the app →](https://fizen.io/app?accessCode=fizen\&utm_source=web\&utm_medium=fizen\&utm_campaign=app_download\&utm_content=docs\&aid=6a8573040a0aa1256a7e5935) · [Full campaign rules](/help-center/fizen-esim/welcome-credit)
Every \$50+ trade in tokenized U.S. stocks earns 1 spin. Every spin wins USDC.
* Total pool: \$5,000 USDC
* \$50 trade = 1 ticket | \$500 trade = 10 tickets
* Jackpot prize: \$100 USDC
* Ends when pool runs out
Trade Google,Apple, Tesla, Nvidia, S\&P 500 — and spin to win.
[Join the Jackpot →](https://blog.fizen.io/ondo-fizen-wall-street-jackpot/?utm_source=docs_mintlify\&utm_medium=docs)
# Fizen Card Terms
Source: https://docs.fizen.io/fizen-crypto-card
USD Visa Prepaid Card — Custodial-balance model. Read together with the Fizen Master Terms of Use and the Issuer Cardholder Agreement.
**Effective: 5 June 2026**
## Important Notice
THE FIZEN CARD IS A PREPAID USD VISA CARD. TO USE THE CARD YOU FIRST DEPOSIT USDT TO A FIZEN-CONTROLLED WALLET; FIZEN POOLS THE DEPOSITS AND TRACKS YOUR INDIVIDUAL BALANCE IN AN INTERNAL DATABASE; FIZEN SEPARATELY PREFUNDS THE LICENSED CARD PARTNER WITH USDT TO ENABLE TRANSACTIONS.
YOUR FIZEN CARD BALANCE IS A PERSONAL CLAIM AGAINST FIZEN. IT IS NOT A SELF-CUSTODIED CRYPTO ASSET. ONCE YOU DEPOSIT USDT TO YOUR CARD BALANCE, YOU ARE GIVING UP DIRECT CRYPTOGRAPHIC CONTROL OVER THAT USDT AND ARE RELYING ON FIZEN TO HONOUR YOUR BALANCE.
YOUR FIZEN CARD BALANCE IS NOT A BANK DEPOSIT. IT IS NOT INSURED BY FDIC (US), FSCS (UK), EU DEPOSIT GUARANTEE SCHEMES, THE HONG KONG DEPOSIT PROTECTION BOARD, OR ANY EQUIVALENT SCHEME. IF FIZEN BECOMES INSOLVENT, IS HACKED, LOSES KEYS TO ITS WALLETS, OR IS OTHERWISE UNABLE TO MEET ITS OBLIGATIONS, YOU MAY LOSE SOME OR ALL OF YOUR FIZEN CARD BALANCE AND YOUR RECOURSE WILL BE LIMITED TO A GENERAL UNSECURED CLAIM AGAINST FIZEN.
THE FIZEN CARD IS ISSUED BY \[ISSUER NAME] (the "Issuer") UNDER LICENCE FROM VISA. FIZEN LIMITED IS THE PROGRAM MANAGER. FIZEN LIMITED IS NOT A BANK, NOT A LICENSED PAYMENT INSTITUTION, NOT A LICENSED E-MONEY INSTITUTION, AND NOT A LICENSED VIRTUAL ASSET SERVICE PROVIDER IN ANY JURISDICTION. THE REGULATED ACTIVITIES IN THE CARD PROGRAM ARE PERFORMED BY THE ISSUER, STRAITSX (SINGAPORE-LICENSED MAJOR PAYMENT INSTITUTION UNDER THE PAYMENT SERVICES ACT) AND DBS BANK (SINGAPORE-LICENSED BANK), EACH UNDER ITS OWN LICENCES.
USE OF DIGITAL ASSETS INVOLVES SIGNIFICANT RISKS, INCLUDING THE RISK OF TOTAL LOSS.
By applying for, activating or using the Fizen Card, you confirm that you have read, understood and agreed to these Fizen Card Terms (the "Card Terms"), the Fizen Master Terms of Use, the Fizen Privacy Policy, and the Issuer Cardholder Agreement.
## 1. Parties and Structure
The Fizen Card is provided through the following structure:
* **You** — the natural person who applies for and uses the Card (the "Cardholder" or "you").
* **Fizen Limited** — Fizen Limited, a company incorporated in Hong Kong (together with its Affiliates, "Fizen", "we", "us", "our"). Fizen is the Program Manager. Fizen operates the Fizen Platform, processes your application, performs Know-Your-Customer (KYC) verification, receives and pools your USDT deposits, maintains your Card balance in an internal database, and manages the prefund relationship with the Card partner.
* **Issuer** — the regulated financial institution that issues the Card under licence from Visa. The Issuer maintains the underlying USD card account, settles card transactions through the Visa network, and complies with the rules of Visa and Applicable Law in its jurisdiction.
* **Settlement partners** — StraitsX (a Major Payment Institution licensed by the Monetary Authority of Singapore under the Payment Services Act 2019) and DBS Bank Ltd (a licensed bank in Singapore) provide the licensed infrastructure between Fizen and the Visa scheme.
The Issuer Cardholder Agreement is a separate document that you accept as part of your Card application. In the event of conflict between these Card Terms and the Issuer Cardholder Agreement on matters of card issuance, transaction authorisation, settlement with Visa and statutory consumer-rights disclosures, the Issuer Cardholder Agreement prevails.
## 2. Definitions
* **Available Balance** — the balance, expressed in USD-equivalent of USDT, available for spending on your Card at any given time.
* **Card Balance Wallet** — the on-chain wallet operated by Fizen into which Cardholder deposits of USDT are received and pooled.
* **Database Balance** — your individual entitlement to USDT in the Card Balance Wallet, as tracked by Fizen's internal accounting system.
* **Deposit** — an on-chain transfer of USDT from your own Wallet (or another source you control) to the Card Balance Wallet.
* **Issuer** — the regulated financial institution that issues the Card, identified in the Issuer Cardholder Agreement.
* **Prefund** — USDT that Fizen has transferred to or held with the Card partner to enable the partner to settle Card transactions on Fizen's behalf.
* **Settlement Partner** — StraitsX, DBS Bank or any other licensed institution Fizen uses for the conversion and fiat-settlement leg of the Card program.
## 3. Eligibility and Application
To apply for and hold a Fizen Card you must, on a continuing basis:
* satisfy all eligibility requirements in the Fizen Master Terms of Use;
* be a natural person (the Card is not currently offered to legal entities);
* be habitually resident in a jurisdiction in which the Card is offered, as listed in the Fizen app from time to time, and not be habitually resident in any Restricted Jurisdiction;
* have an active Fizen account in good standing with completed KYC at the level required for the Card; and
* accept these Card Terms, the Fizen Master Terms of Use, the Fizen Privacy Policy and the Issuer Cardholder Agreement.
Your application is subject to approval by Fizen and, separately, by the Issuer. Approval is in the sole discretion of Fizen and the Issuer.
## 4. The Custodial Nature of the Card Balance
This clause describes how your Card balance is actually held and the consequences of that arrangement for you. It is important. Please read it in full before depositing any USDT to the Card.
### 4.1 Pooled custody by Fizen
When you deposit USDT to fund your Card, the USDT moves from your own Wallet to the Card Balance Wallet, which is controlled by Fizen. Once that on-chain transfer is confirmed, you no longer have direct cryptographic control over the USDT. Fizen controls the Card Balance Wallet, can move USDT in and out of it, and uses the pooled USDT to prefund the Card partner so that the partner can settle your Card transactions.
USDT in the Card Balance Wallet is pooled — Fizen holds USDT belonging beneficially to all Cardholders together in the same wallet or set of wallets, not in separate sub-wallets per Cardholder.
### 4.2 Your Database Balance is your claim against Fizen
Your individual entitlement to USDT in the Card Balance Wallet is recorded in Fizen's internal accounting database (your Database Balance). The Database Balance is the source of truth for the amount of USDT Fizen owes you in respect of the Card. Your relationship with Fizen in respect of the Card balance is the relationship of a creditor to a debtor.
### 4.3 No deposit insurance, no statutory protection
Your Card balance is not a bank deposit. It is not an e-money balance issued by a regulated e-money institution. It is not insured by any governmental deposit-protection or compensation scheme.
### 4.4 Reserves and proof of reserves
Fizen aims to maintain USDT in the Card Balance Wallet plus prefund positions with Settlement Partners that, in aggregate, are sufficient to honour all Database Balances. Fizen reserves the right to manage the allocation of USDT between the Card Balance Wallet and prefund positions in the ordinary course of operating the Card program. Fizen does not, as at the date of these Card Terms, publish a periodic proof-of-reserves attestation.
### 4.5 Fizen-counterparty risk
Because your Card balance is a personal claim against Fizen and not a self-custodied asset, you are exposed to Fizen as your counterparty. If Fizen becomes insolvent, is the subject of an enforcement action that freezes its assets, has its wallets hacked, loses access to its wallet Private Keys, is materially defrauded, or is otherwise unable to honour its obligations to Cardholders, you may lose some or all of your Card balance. In any insolvency or winding-up of Fizen, your claim ranks as a general unsecured claim.
### 4.6 Operational and security risk on the pool
Because USDT is pooled in the Card Balance Wallet, security incidents affecting that wallet (including theft of Private Keys, smart-contract exploits, insider misappropriation, mistaken transactions) affect all Cardholders. Fizen implements technical and organisational measures designed to protect the Card Balance Wallet, but no system is completely secure.
### 4.7 Withdrawal of your balance
You may request a Withdrawal of all or part of your Database Balance at any time through the Fizen app. Fizen will process Withdrawals in the ordinary course, subject to AML and sanctions clearance, verification of the destination address, availability of USDT, holds or reserves, and limits in the Fee Schedule. Withdrawals are normally processed within twenty-four (24) hours.
## 5. How Card Transactions Work
### 5.1 Funding
To enable the Card to be used, you Deposit USDT to your Card Balance. Once Fizen has confirmed the on-chain deposit, Fizen credits your Database Balance with the deposited USDT amount, expressed in USD at 1:1.
### 5.2 USDT/USD at 1:1 for program purposes
Although USDT is a separate Digital Asset issued by Tether and its market value may diverge from USD, Fizen treats USDT as equivalent to USD at a 1:1 ratio for the purpose of crediting your Database Balance and authorising Card transactions. Fizen does not represent that USDT is, or will continue to be, redeemable at 1:1 by Tether or any other party. If USDT de-pegs from USD, the consequences for the Card program may be material.
### 5.3 Card transaction flow
When you initiate a Card transaction at a Merchant or ATM: the Merchant or ATM requests authorisation through the Visa network; the Issuer checks, with reference to Fizen's records, whether your Available Balance is sufficient; if it is, the Issuer authorises the transaction, the Settlement Partner debits the USD-equivalent from Fizen's prefund position, and the Issuer settles to the Merchant or ATM through the Visa network; Fizen debits the USD-equivalent amount of USDT from your Database Balance.
### 5.4 Foreign-currency transactions
The Card is denominated in USD. If you transact in a currency other than USD, the Visa network or its acquirer converts the transaction to USD at the rate applied by Visa or the acquirer, and an additional foreign-currency fee may apply.
### 5.5 Pre-authorisations, holds and reserves
Some Merchants may obtain a pre-authorisation or place a hold on your Card that exceeds the final transaction amount. The hold reduces your Available Balance until released.
### 5.6 No interest, no overdraft
Your Card balance does not earn interest. The Card cannot be overdrawn.
## 6. Limits, Restrictions and Geographic Coverage
Fizen and the Issuer set and may change limits on the Card at any time, including daily, monthly and per-transaction spending limits. Limits vary by KYC level, jurisdiction, transaction risk, AML/sanctions screening, and other factors and are displayed in the Fizen app.
## 7. Lost, Stolen, Compromised or Unauthorised Use
You must notify Fizen immediately, and in any event within twenty-four (24) hours of becoming aware, if your Card is lost, stolen, damaged, compromised, copied, or used without your authorisation. You can notify Fizen by freezing the Card in the Fizen app, emailing [legal@fizen.io](mailto:legal@fizen.io), or using the in-app live chat.
## 8. Statutory and Network Consumer Rights
This clause sets out the principal statutory and Visa-network protections that may apply to your Card. The application of each depends on your jurisdiction, the Issuer's jurisdiction, the type of transaction and Applicable Law at the time. Nothing in these Card Terms reduces or excludes any non-waivable statutory protection.
Where applicable: (a) U.S. residents may have rights under Regulation E for unauthorised electronic fund transfers and disputed prepaid-account transactions; (b) EEA residents may have rights under PSD2 (Directive (EU) 2015/2366); (c) UK residents may have rights under the UK Payment Services Regulations 2017; and (d) all Cardholders may have rights to chargebacks under the Visa Network Rules.
## 9. Fees
Fees applicable to the Card are set out in the Fee Schedule published in the Fizen app. Fizen may change the Fee Schedule with at least thirty (30) days' prior notice for any change that increases a fee.
## 10. Suspension, Closure and Return of Balance
### 10.1 By Fizen or the Issuer
Fizen or the Issuer may, at any time and without prior notice where notice is impracticable, suspend, restrict or terminate your Card if you breach these Card Terms or related agreements; if fraud, AML or sanctions concerns arise; if required by a court or regulator; if the Card has been inactive for a prolonged period; or if the Issuer or a Settlement Partner ceases to support the program.
### 10.2 By you
You may close your Card at any time through the Fizen app.
### 10.3 Return of remaining balance
Upon closure of your Card, your Database Balance will be returned to you by on-chain transfer of USDT to a destination address you nominate, less any applicable fees and any amounts retained pursuant to clause 10.4. Return is normally completed within thirty (30) days.
### 10.4 Set-off, holds and clawback
Fizen, the Issuer or the Settlement Partners may set off, hold or claw back amounts from your Database Balance in respect of unpaid fees, chargebacks, refunds, reversals, disputed transactions, AML/sanctions investigations, amounts required to be retained under Applicable Law, and any amount you owe Fizen, the Issuer or a Settlement Partner.
## 11. Compliance, AML and Sanctions
Because Fizen pools and custodies USDT in the Card Balance Wallet, Fizen has the technical and operational ability to (and where required by Applicable Law must) freeze, block or refuse to process Deposits, Withdrawals or Card transactions in response to AML, sanctions, fraud or court orders. Fizen reserves the right to refuse to credit your Database Balance with an inbound Deposit it considers high-risk, block or reverse Withdrawals, freeze your Database Balance pending investigation, close your Card, and report to law enforcement.
## 12. Issuer Cardholder Agreement and Visa Network Rules
The Card is also governed by (a) the Issuer Cardholder Agreement, which is provided to you at the time of application, and (b) the Visa Network Rules. In the event of conflict between these Card Terms and the Issuer Cardholder Agreement on matters of card issuance, settlement and statutory consumer-rights notices, the Issuer Cardholder Agreement prevails. In the event of conflict between either and the Visa Network Rules, the Visa Network Rules prevail in respect of the operation of the Visa scheme.
## 13. Privacy and Data Sharing
To operate the Card program, Fizen shares Personal Data with the Issuer, StraitsX, DBS Bank, processors, KYC and sanctions-screening providers, fraud-detection providers, and Visa and the relevant acquirers, as described in the Fizen Privacy Policy.
## 14. Card-Specific Risk Disclosures
In addition to the Risk Disclosures in the Fizen Master Terms of Use, the following risks are specific to the Card:
* **Custody and counterparty risk** — Your Card balance is a claim against Fizen (clause 4). You bear Fizen's counterparty risk in full.
* **Stablecoin issuer and depeg risk** — USDT is issued by Tether, an independent third party. If USDT loses some or all of its peg, the value of your Card balance in USD terms may be materially impaired.
* **Pool and security risk** — USDT is pooled in the Card Balance Wallet. A security incident may result in partial or total loss.
* **Settlement Partner risk** — The Card program depends on the continued participation of the Issuer, StraitsX, DBS Bank and any other Settlement Partner.
* **Network and operational risk** — On-chain Deposits and Withdrawals depend on Blockchain protocols. Card transactions depend on the Visa network.
* **Regulatory risk** — The legal characterisation of pooled crypto-funded card programs is uncertain and changing.
* **No deposit insurance, no investment** — The Card balance is not a bank deposit, not an e-money balance, not an insured product, not an investment.
## 15. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE FIZEN CARD AND THE CARD PROGRAM ARE PROVIDED "AS IS" AND "AS AVAILABLE". FIZEN, THE ISSUER, STRAITSX, DBS BANK AND THEIR RESPECTIVE AFFILIATES, LICENSORS, SERVICE PROVIDERS, OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, COMPLETENESS, AVAILABILITY AND NON-INFRINGEMENT.
## 16. Limitation of Liability
To the maximum extent permitted by Applicable Law, Fizen and its Affiliates shall not be liable to you for any indirect, incidental, special, consequential, exemplary or punitive damages; loss of profits, revenue, business, savings, opportunity, data, goodwill or use; loss arising from a stablecoin depeg, blockchain failure, smart-contract defect, security incident affecting the Card Balance Wallet or any other pooled custody arrangement (other than to the extent caused by Fizen's gross negligence or wilful misconduct); loss arising from a Merchant's refusal to accept the Card; loss arising from acts or omissions of the Issuer, StraitsX, DBS Bank or any other third party; or loss arising from any cause beyond Fizen's reasonable control.
Subject to the carve-outs below, Fizen's aggregate liability to you arising out of or relating to the Card and the Card program, in any twelve-month period, shall not exceed the greater of (i) the total fees you paid Fizen in respect of the Card in that period and (ii) USD 500. Nothing limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, gross negligence, wilful misconduct, or any non-waivable statutory consumer or payment-services right.
## 17. Indemnification
To the maximum extent permitted by Applicable Law, you agree to defend, indemnify and hold harmless Fizen, the Issuer, StraitsX, DBS Bank and their respective Affiliates from claims arising from your use of the Card, your breach of these Card Terms or the Issuer Cardholder Agreement, your violation of Applicable Law, your infringement of third-party rights, any dispute with a Merchant, any chargeback or fraud arising from your conduct, or tax liability arising from your use of the Card.
## 18. Order of Precedence
In the event of conflict the order of precedence (highest first) is:
1. The Visa Network Rules in respect of the operation of the Visa scheme;
2. The Issuer Cardholder Agreement in respect of card issuance, settlement and statutory consumer-rights matters that the Issuer is required to address;
3. These Card Terms in respect of all other matters relating to the Card; and
4. The Fizen Master Terms of Use in respect of matters not addressed in (1)–(3).
## 19. Customer Support
* **Legal (including card-related disputes, chargebacks, lost/stolen/compromised reports and legal notices):** [legal@fizen.io](mailto:legal@fizen.io)
* **General support:** in-app live chat (available 24/7) — or freeze the Card immediately in the Fizen app
To contact the Issuer directly, see the Issuer Cardholder Agreement.
## 20. Miscellaneous
Save as expressly varied by these Card Terms, the provisions of the Fizen Master Terms of Use apply to your use of the Card.
# Fizen QR Pay Terms
Source: https://docs.fizen.io/fizen-qr-pay
QR-based crypto-to-fiat payment service — cross-border use only. Read together with the Fizen Master Terms of Use.
**Effective: 5 June 2026**
These Fizen QR Pay Terms (the **“QR Pay Terms”**) govern your access to and use of Fizen QR Pay. They supplement and form part of the [Fizen Master Terms of Use](https://docs.fizen.io/master-terms-of-use) (the **“Master Terms”**). Capitalised terms not defined in these QR Pay Terms have the meanings given in the Master Terms.
If there is a conflict between these QR Pay Terms and the Master Terms, these QR Pay Terms prevail only in relation to Fizen QR Pay.
## Important Notice
PLEASE READ THESE QR PAY TERMS CAREFULLY BEFORE FUNDING OR USING FIZEN QR PAY.
FIZEN QR PAY ALLOWS ELIGIBLE USERS TO PAY PARTICIPATING MERCHANTS THROUGH SUPPORTED LOCAL QR PAYMENT SCHEMES. YOU FUND QR PAY BY TRANSFERRING SUPPORTED DIGITAL ASSETS, CURRENTLY USDT, TO AN ADDRESS OR SMART CONTRACT DESIGNATED BY FIZEN.
**YOUR TRANSFER IS A SALE AND TRANSFER OF OWNERSHIP TO FIZEN.** ONCE FIZEN ACCEPTS YOUR TRANSFER, LEGAL AND BENEFICIAL TITLE TO THE ACCEPTED DIGITAL ASSETS PASSES TO FIZEN. THE TRANSFERRED DIGITAL ASSETS ARE NOT HELD BY FIZEN ON TRUST, IN CUSTODY, ON DEPOSIT, OR IN A SEGREGATED WALLET FOR YOU.
IN EXCHANGE, FIZEN RECORDS A QR PAY BALANCE REPRESENTING A CONTRACTUAL PAYMENT OBLIGATION OWED BY FIZEN TO YOU. YOUR QR PAY BALANCE IS AN UNSECURED CONTRACTUAL CLAIM AGAINST FIZEN. IT IS NOT A BANK ACCOUNT, BANK DEPOSIT, E-MONEY ACCOUNT, TRUST ACCOUNT, CUSTODIAL ACCOUNT OR OWNERSHIP INTEREST IN ANY DIGITAL ASSET, WALLET, SMART CONTRACT, BANK ACCOUNT OR PARTNER PREFUND.
FIZEN MAY POOL, TRANSFER, CONVERT, USE OR OTHERWISE DEAL WITH DIGITAL ASSETS THAT IT OWNS. FIZEN USES ITS OWN ASSETS, INCLUDING AMOUNTS IT HAS PREFUNDED TO LOCAL PAYMENT PARTNERS, TO SUPPORT MERCHANT SETTLEMENT. LOCAL PAYMENT PARTNERS PERFORM THE LOCAL FIAT PAYMENT AND SETTLEMENT ACTIVITIES FOR WHICH THEY ARE RESPONSIBLE.
YOUR QR PAY BALANCE IS NOT PROTECTED BY ANY GOVERNMENTAL DEPOSIT-PROTECTION OR INVESTOR-COMPENSATION SCHEME. IF FIZEN BECOMES INSOLVENT OR IS OTHERWISE UNABLE TO PERFORM ITS OBLIGATIONS, YOU MAY LOSE SOME OR ALL OF YOUR QR PAY BALANCE AND MAY RANK ONLY AS A GENERAL UNSECURED CREDITOR.
FIZEN QR PAY IS CURRENTLY OFFERED FOR CROSS-BORDER USE ONLY. YOU MUST NOT USE QR PAY TO PAY A MERCHANT IN YOUR HOME JURISDICTION UNLESS FIZEN EXPRESSLY PERMITS THAT USE IN THE APP AND IT IS LAWFUL TO DO SO.
TRANSFERS OF DIGITAL ASSETS ON A BLOCKCHAIN ARE GENERALLY IRREVERSIBLE ONCE CONFIRMED. A TRANSFER TO AN INCORRECT ADDRESS, THROUGH AN UNSUPPORTED NETWORK, OR USING AN UNSUPPORTED TOKEN MAY BE PERMANENTLY LOST.
A MERCHANT PAYMENT IS SEPARATE FROM THE FUNDING TRANSFER: YOUR QR PAY BALANCE IS RESERVED WHEN YOU CONFIRM A PAYMENT AND IS REDUCED ONLY WHEN THE PAYMENT SETTLES.
BY ACCESSING OR USING FIZEN QR PAY, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO THESE QR PAY TERMS AND THE MASTER TERMS. IF YOU DO NOT AGREE, DO NOT USE FIZEN QR PAY.
## 1. Definitions
In these QR Pay Terms:
* **Accepted Funding Transfer** means a Funding Transfer that has received the required Blockchain confirmations, passed Fizen’s applicable compliance and risk checks, and been accepted and credited by Fizen.
* **Available QR Pay Balance** means the portion of your QR Pay Balance that is not reserved, restricted, subject to a hold, or otherwise unavailable for Payments or Withdrawal.
* **Conversion Rate** means the exchange rate used to calculate the amount of QR Pay Balance required for a Payment, refund or other transaction, including any disclosed spread or conversion charge.
* **Funding Asset** means a Digital Asset that Fizen accepts from time to time to fund QR Pay. As at the effective date of these QR Pay Terms, the Funding Asset is USDT on the network or networks shown in the app.
* **Funding Transfer** means a transfer of a Funding Asset by you to a Blockchain address or smart contract designated by Fizen for funding QR Pay.
* **Home Jurisdiction** means the jurisdiction in which you are habitually resident, as reasonably determined by Fizen using your KYC information and other relevant information available to Fizen.
* **Local Payment Partner** means the bank, payment institution, payment intermediary or other provider that supports conversion, payment processing or local fiat settlement for QR Pay in a particular market. The relevant Local Payment Partner may be identified in the app, transaction flow or applicable regional information.
* **Merchant** means a person or business that can receive a Payment through a supported local or interoperable QR payment scheme. A Merchant does not need to have a direct contractual relationship with Fizen.
* **Merchant Jurisdiction** means the jurisdiction in which the Merchant receives the Payment.
* **Payment** means a transaction initiated by you through QR Pay to pay a Merchant.
* **QR Pay** means the QR-based payment service made available by Fizen through the Fizen Platform.
* **QR Pay Balance** means the amount displayed in the app as available or attributable to you for QR Pay. Legally, it represents Fizen’s unsecured contractual obligation to apply the relevant amount toward eligible Payments or, where available, satisfy it through Withdrawal. It does not represent assets held for you.
* **QR Pay Unit** means the unit in which your QR Pay Balance is denominated and displayed. At the effective date of these QR Pay Terms, the QR Pay Unit is USDT.
* **Reserved Balance** means the portion of your QR Pay Balance temporarily set aside after you confirm a Payment and before that Payment settles, fails, expires or is cancelled.
* **Settlement** or **Settled** means confirmation through the relevant Local Payment Partner or payment scheme that the Merchant payment has been successfully and finally processed, subject to any later refund, reversal or correction permitted by Applicable Law or scheme rules.
* **Withdrawal** means Fizen’s satisfaction of all or part of its QR Pay Balance obligation by transferring the corresponding Funding Asset to a supported Blockchain address in accordance with these QR Pay Terms.
## 2. Eligibility and availability
### 2.1 General eligibility
To use QR Pay, you must at all times:
* satisfy the eligibility requirements in the Master Terms;
* maintain an active Fizen account in good standing;
* complete the identity verification and other due diligence required by Fizen or a Local Payment Partner;
* use QR Pay only for yourself and not on behalf of an undisclosed third party;
* be located in, and make Payments only in, jurisdictions supported in the app;
* remain within the transaction, daily, monthly and other limits displayed in the app; and
* comply with these QR Pay Terms, the Master Terms and Applicable Law.
Access to QR Pay is not guaranteed merely because the feature appears in the app. Fizen or a Local Payment Partner may determine eligibility on an ongoing basis using identity, location, device, transaction and risk information.
### 2.2 Cross-border restriction
Unless Fizen expressly states otherwise in the app, QR Pay is available only for cross-border use. You must not use QR Pay at a Merchant in your Home Jurisdiction.
For example:
* a user whose Home Jurisdiction is Vietnam must not use QR Pay at a Merchant in Vietnam; and
* a user whose Home Jurisdiction is the Philippines must not use QR Pay at a Merchant in the Philippines.
If QR Pay becomes available in additional markets, the same restriction applies unless the app or applicable regional terms state otherwise.
You must keep your residence information accurate and promptly notify Fizen of any change. You must not evade a geographic restriction by using false information, another person’s account, multiple accounts, a VPN, proxy, location-spoofing tool or any other method.
Fizen may decline a Payment, restrict QR Pay, request additional information, suspend your account or take any other action permitted under these QR Pay Terms, the Master Terms or Applicable Law if Fizen reasonably believes that you have breached or attempted to circumvent this restriction.
### 2.3 Service markets and partners
Supported jurisdictions, QR schemes, currencies, Local Payment Partners, limits and features may change. Current information will be displayed in the app or published by Fizen. The availability of QR Pay in a market does not constitute legal, tax or regulatory advice about your use of the service.
## 3. Funding QR Pay: sale of Digital Assets to Fizen
### 3.1 Funding instructions
You may fund QR Pay only by sending a supported Funding Asset over a supported Blockchain network to the address or smart contract shown in the app. You are responsible for checking the token, network, destination address and amount before confirming a Funding Transfer.
Do not send an unsupported token, use an unsupported network, or send to an expired or unauthorised address. Fizen is not required to recover an incorrectly sent asset. If recovery is technically and legally possible, Fizen may require additional verification and deduct the Blockchain fees, third-party costs and reasonable administrative costs of attempting recovery. Recovery is not guaranteed.
### 3.2 Offer and acceptance
By initiating a Funding Transfer, you offer to sell and transfer the Funding Asset to Fizen in exchange for Fizen incurring the QR Pay Balance obligation described in these QR Pay Terms.
A Funding Transfer does not become an Accepted Funding Transfer merely because it appears on a Blockchain. Fizen accepts the Funding Transfer only after it:
* receives the required Blockchain confirmations;
* passes applicable KYC, KYT, AML, sanctions, fraud and other risk checks;
* is reconciled with Fizen’s records; and
* is credited to your QR Pay Balance in the app.
Fizen may reject, delay or hold a Funding Transfer where permitted or required by Applicable Law or reasonably necessary for compliance, fraud prevention, security or operational review.
### 3.3 Transfer of ownership
When a Funding Transfer becomes an Accepted Funding Transfer:
* all legal and beneficial title to the accepted Funding Asset transfers absolutely to Fizen;
* you cease to have any ownership, custodial, trust, security or proprietary interest in that Funding Asset;
* Fizen becomes free to pool, hold, transfer, sell, convert, use or otherwise deal with the Funding Asset for its own account, subject to Applicable Law; and
* Fizen incurs an unsecured contractual obligation to you equal to the amount credited to your QR Pay Balance, after any fees disclosed before or at the time of funding.
The Funding Asset is fungible. Fizen is not required to retain, trace or return the same tokens that you transferred.
### 3.4 Your representations concerning Funding Assets
Each time you make a Funding Transfer, you represent and warrant that:
* you own and are entitled to transfer the Funding Asset free from any lien, claim or encumbrance;
* the Funding Asset is not derived from, connected with or intended for unlawful activity;
* the transfer does not breach Applicable Law, sanctions, a court order or any third-party right;
* you are acting for your own benefit and not for an undisclosed person; and
* information you provide concerning the source of assets or transaction purpose is complete and accurate.
### 3.5 Tax treatment
A Funding Transfer is treated under these QR Pay Terms as a sale or disposal of a Digital Asset. It may create tax, reporting or accounting consequences for you. Fizen does not provide tax advice. You are responsible for determining and satisfying your own obligations.
## 4. Nature of the QR Pay Balance
### 4.1 Contractual obligation, not custody
Your QR Pay Balance is a record of Fizen’s unsecured contractual obligation to you. It is maintained through Fizen’s internal ledger and displayed in the app for convenience.
Your QR Pay Balance is not:
* a bank account or bank deposit;
* electronic money, stored fiat value or a payment account represented by Fizen as being issued under a regulatory licence;
* a custodial wallet or an account holding Digital Assets for you;
* a trust, escrow, bailment or fiduciary arrangement;
* an ownership interest in any wallet, smart contract, bank account, Local Payment Partner account or prefunded amount; or
* insured or protected by a deposit-protection, investor-compensation or similar governmental scheme.
### 4.2 No segregation or asset-specific claim
Fizen is not required under these QR Pay Terms to segregate assets equal to your QR Pay Balance or maintain a one-to-one pool of Funding Assets for your benefit. You have no right to direct how Fizen holds or uses its assets and no claim to any particular Funding Asset or property of Fizen.
### 4.3 Unsecured creditor status
To the extent Fizen owes you an outstanding QR Pay Balance, you are a general unsecured creditor of Fizen. If Fizen becomes insolvent, your ability to recover may be subject to insolvency law, creditor priorities and the assets available to Fizen. You may recover less than the full amount or nothing.
### 4.4 Denomination
At the effective date of these QR Pay Terms, the QR Pay Balance is denominated in USDT. A balance of 1 USDT represents an obligation denominated in one unit of USDT; it is not a promise that USDT will always equal one US dollar or any amount of fiat currency.
Fizen may introduce another QR Pay Unit or Funding Asset in the future. Unless you expressly agree otherwise or Applicable Law requires a different treatment:
* a change applies prospectively to new funding or transactions; and
* an existing QR Pay Balance remains denominated in the QR Pay Unit in which it was credited.
Before any mandatory migration or conversion of an existing balance, Fizen will provide the notice and disclosures required by Applicable Law, including the applicable conversion method, effective date and available options.
### 4.5 Ledger accuracy and corrections
Fizen’s ledger and transaction records are evidence of your QR Pay Balance and activity, but Fizen may correct duplicate credits, manifest errors, system errors, unauthorised credits, refunds processed twice or other inaccurate entries. Fizen will provide notice where reasonably practicable and may request repayment if a correction results in a negative amount or shows that you received more value than you were entitled to receive.
## 5. Fizen prefunding and Local Payment Partners
### 5.1 Fizen acts as principal for funding
For an Accepted Funding Transfer, Fizen acts as principal purchaser of the Funding Asset and becomes the obligor in respect of the resulting QR Pay Balance. Fizen does not accept the Funding Asset as your custodian, trustee or agent.
### 5.2 Prefunding
Fizen may use its own assets to prefund accounts or positions maintained with Local Payment Partners. Those prefunded amounts belong to Fizen and are not assets held for you. A Local Payment Partner does not owe you a repayment or custodial obligation merely because it supports a Payment initiated through QR Pay.
### 5.3 Partner role
Local Payment Partners perform the local conversion, processing and fiat settlement activities allocated to them. They may apply their own compliance controls, operating rules, limits and service conditions. Where separate partner terms are presented to you, you must accept them before using the relevant service.
Fizen may appoint, replace or cease using a Local Payment Partner. This may affect supported markets, QR schemes, limits, processing times or service availability.
## 6. Making a Payment
### 6.1 Payment flow
To make a Payment, you may scan a supported Merchant QR code or use another payment initiation method made available in the app. Before you confirm, the app will display the material transaction details available to Fizen, which may include:
* Merchant name;
* local fiat amount and currency;
* amount of QR Pay Balance to be used;
* Conversion Rate;
* applicable fees;
* total amount to be reserved; and
* quote expiry time.
You must review the Merchant, amount, currency and all other details carefully. You must not confirm the Payment if any information is incorrect or if you do not recognise the Merchant.
### 6.2 Authorisation and reservation
When you confirm a Payment, you:
* authorise Fizen to reserve the displayed amount from your Available QR Pay Balance;
* instruct Fizen to request the relevant Local Payment Partner to process and settle the Payment; and
* confirm that you intend to pay the identified Merchant for the relevant goods or services.
Confirmation does not itself settle the Payment or extinguish Fizen’s obligation. The relevant amount becomes Reserved Balance while processing is pending and cannot be used for another Payment or Withdrawal.
### 6.3 Settlement and discharge
When Fizen receives confirmation that the Payment has Settled:
* the corresponding Reserved Balance is deducted from your QR Pay Balance; and
* Fizen’s contractual obligation to you is discharged and extinguished to the same extent.
The Merchant receives local fiat through the Local Payment Partner or supported QR scheme. The Merchant does not receive your original Funding Asset from you.
### 6.4 Failed, expired or unsettled Payments
If a Payment fails, expires, is cancelled before Settlement, or is confirmed not to have Settled, Fizen will release the corresponding Reserved Balance back to your Available QR Pay Balance after receiving and reconciling the relevant status information.
The release may not be immediate because Fizen may need confirmation from the Local Payment Partner or payment scheme. Fizen will not extinguish the relevant portion of its obligation merely because you attempted or confirmed a Payment that did not Settle.
If only part of a reserved amount Settles, Fizen will deduct the Settled amount and release the remainder. Fizen will not increase the amount of a Payment above the amount you authorised without obtaining any further authorisation required by Applicable Law.
### 6.5 Quote validity and exchange rates
A quote is valid only for the period displayed in the app. If the quote expires before confirmation or processing, Fizen may require a new quote. The Conversion Rate becomes binding for the Payment when you confirm a valid quote, subject to correction of a manifest error and any different treatment required by Applicable Law or payment-scheme rules.
### 6.6 Payment limits and refusal
Fizen or a Local Payment Partner may impose transaction, daily, monthly, Merchant-category, jurisdictional or risk-based limits. A Payment may be declined, delayed or held for reasons including insufficient Available QR Pay Balance, expired quote, unsupported QR code, partner unavailability, compliance review, suspected fraud, technical failure or a restriction imposed by the relevant payment scheme.
Neither the appearance of a Merchant QR code nor the display of a quote guarantees that a Payment will be accepted or Settled.
### 6.7 Payment status and receipts
The status displayed in the app may be pending while Settlement confirmation is being obtained. You should not make the same Payment again solely because the Merchant has not immediately received confirmation. Contact Fizen Support if the status remains pending or the Merchant claims not to have received a Settled Payment.
Electronic transaction records and receipts will be available through the app where supported. They do not constitute an invoice or receipt for the underlying goods or services unless Applicable Law provides otherwise.
## 7. Withdrawals
### 7.1 Availability
Where the Withdrawal feature is available, you may request that Fizen satisfy all or part of your Available QR Pay Balance by sending the corresponding amount of the applicable Funding Asset, currently USDT, to a supported Blockchain address.
A Withdrawal is a discharge of Fizen’s contractual obligation. It is not the return of Digital Assets held in custody for you and need not use the same tokens or wallet from which you funded QR Pay.
### 7.2 Withdrawal instructions
You are responsible for providing a correct, compatible and lawful destination address and selecting the correct network. Fizen may require that the destination address is controlled by you or otherwise acceptable under Fizen’s compliance policies.
Blockchain transfers are generally irreversible. Fizen is not responsible for loss caused by an incorrect address, incompatible network, unsupported wallet or incorrect information supplied by you, except to the extent caused by Fizen’s own failure to follow correctly submitted instructions.
### 7.3 Processing
Fizen may reserve the requested amount while a Withdrawal is being processed. Fizen’s obligation is discharged to the extent of the amount successfully transferred, excluding any fee clearly disclosed to and accepted by you. If the transfer fails and no corresponding asset has been sent, Fizen will restore the relevant amount after reconciliation.
Any processing time shown in the app is an estimate, not a guarantee. A Withdrawal may be delayed or refused due to Blockchain congestion, technical issues, insufficient network confirmations, limits, security review, compliance checks, a legal requirement or circumstances beyond Fizen’s reasonable control.
### 7.4 Fees and minimums
Minimum Withdrawal amounts, network fees and any service fees will be disclosed in the app before you confirm. Network fees may change according to Blockchain conditions.
## 8. Merchants, purchases and disputes
### 8.1 Underlying purchase
Your purchase of goods or services is a contract between you and the Merchant. Fizen and the Local Payment Partner are not the seller, supplier, manufacturer or service provider unless expressly stated otherwise.
Fizen does not control and does not warrant the quality, safety, legality, authenticity, delivery, description, fitness or availability of goods or services supplied by a Merchant.
### 8.2 Verify before paying
QR codes can be replaced, tampered with or fraudulently presented. You must verify the Merchant name and Payment amount shown in the app before confirmation. Do not rely only on a printed QR code or information outside the Fizen confirmation screen.
### 8.3 Merchant disputes
Disputes about goods or services, including non-delivery, defects, cancellations or incorrect descriptions, must first be raised with the Merchant. QR Pay does not necessarily provide card-network chargeback rights. Fizen may assist by providing transaction information or communicating with a Local Payment Partner, but cannot compel a Merchant or partner to approve a refund unless Applicable Law requires otherwise.
### 8.4 Suspected unauthorised activity
You must protect your device, account credentials, authentication methods and Wallet. Notify Fizen Support immediately if you suspect that your account or device has been compromised or that a Payment was not authorised by you.
Fizen may investigate and may request information or documents from you. Treatment of an allegedly unauthorised Payment is subject to the facts, security records, Applicable Law and relevant scheme rules. Nothing in these QR Pay Terms excludes a non-waivable consumer right.
## 9. Refunds, reversals and corrections
### 9.1 Merchant-approved refunds
If a Merchant agrees to refund a Payment, the Merchant or Local Payment Partner must first process the refund through the applicable payment channel. Fizen is required to credit or pay you only after Fizen has actually received cleared and final refund value from the Local Payment Partner and completed the necessary reconciliation and compliance checks.
### 9.2 Form and calculation of refund
Unless the app or Applicable Law requires another method, Fizen will satisfy an approved refund by crediting your QR Pay Balance in the applicable QR Pay Unit. If your account has been closed or Fizen determines that a balance credit is not appropriate, Fizen may send the corresponding Funding Asset to a verified supported address or use another lawful method agreed with you.
Where Fizen receives the refund in local fiat, the amount credited in USDT or another QR Pay Unit will be calculated using the Conversion Rate applicable when Fizen processes the refund, after deducting any fee or cost that was disclosed or is properly chargeable under Applicable Law. The refunded amount may therefore differ from the amount originally deducted because of exchange-rate movements, fees, partial refunds or partner adjustments.
### 9.3 Timing
Refund timing depends on the Merchant, Local Payment Partner, payment scheme, banking system and required checks. Any estimate is not a guarantee. Fizen will not be responsible for a delay before it receives cleared refund value, but will process the corresponding balance credit or payment within a reasonable period after receipt and reconciliation.
### 9.4 Reversals and erroneous credits
Fizen may reverse or correct a credit if the corresponding partner refund is reversed, recalled, duplicated, fraudulent or credited in error. If you have already spent or withdrawn an erroneous amount, you must repay it on request, and Fizen may offset it against an existing or future QR Pay Balance to the extent permitted by Applicable Law.
## 10. Fees, rates and taxes
### 10.1 Fees
Fizen may charge funding, Payment, conversion, Withdrawal, Blockchain network, recovery or other fees. Applicable fees will be shown in the app, transaction confirmation screen or current fee schedule before you commit to the relevant transaction, except for a third-party fee that could not reasonably be known in advance.
### 10.2 Conversion Rates
Conversion Rates may include a spread and may differ from rates displayed by exchanges, data providers, banks or card networks. The app will display the amount you authorise before confirmation. Fizen does not guarantee any market, interbank or independently published rate.
### 10.3 Taxes
You are responsible for any tax, duty, levy, reporting or filing obligation arising from Funding Transfers, Payments, Withdrawals, refunds or use of QR Pay. Fizen may collect, withhold or report amounts or information where required by Applicable Law.
## 11. Compliance, fraud prevention and legal holds
Fizen and its partners may conduct KYC, KYT, AML, counter-terrorist-financing, sanctions, fraud, source-of-funds, source-of-wealth and other checks before or after any Funding Transfer, Payment, refund or Withdrawal.
Where Fizen reasonably believes it is necessary to comply with Applicable Law, a binding request, a court order, partner requirements, or to prevent fraud or protect the service, Fizen may:
* reject or delay acceptance of a Funding Transfer;
* decline, delay, cancel or hold a Payment before Settlement;
* restrict the use or discharge of some or all of a QR Pay Balance;
* delay or refuse a Withdrawal or refund;
* request additional information or documents;
* correct, reverse or unwind a transaction where technically and legally possible;
* suspend or terminate access to QR Pay or the Fizen account; and
* disclose information to a Local Payment Partner, Blockchain analytics provider, regulator, financial intelligence unit, law-enforcement authority, court or other competent person.
A restriction on use or discharge of a QR Pay Balance is not a freeze of Digital Assets held for you: the balance is Fizen’s contractual obligation and remains subject to these QR Pay Terms, Applicable Law and any binding restriction.
Where lawfully permitted and operationally possible, Fizen will provide notice of a material restriction. Fizen may be prohibited from notifying you or explaining the reason.
You must promptly provide complete and accurate information requested for a review. Fizen is not required to process a transaction while required information remains outstanding.
## 12. Acceptable use
In addition to the Acceptable Use requirements in the Master Terms, you must not use or attempt to use QR Pay:
* for any unlawful, fraudulent, deceptive or abusive purpose;
* to purchase prohibited or restricted goods or services;
* to pay a sanctioned, blocked or restricted person;
* to disguise the origin, destination, ownership or purpose of funds;
* to structure transactions to evade limits, monitoring or reporting requirements;
* to obtain cash, conduct money transmission, transfer value to another person or make a non-commercial transfer disguised as a Merchant payment, unless expressly supported by Fizen;
* to circumvent the cross-border restriction, geographic controls or transaction limits;
* on behalf of an undisclosed third party;
* using proceeds of crime, stolen Digital Assets or assets subject to a claim; or
* in a manner that interferes with, exploits, damages or places an unreasonable burden on Fizen, a Local Payment Partner, a Merchant or a supported QR scheme.
Fizen may apply additional Merchant-category restrictions and risk controls. A breach may result in transaction refusal, account restriction, termination, reporting or any other action permitted by Applicable Law. Remaining QR Pay Balance obligations will be handled under clause 16 and will not be forfeited merely as a contractual penalty, except to the extent a binding law, order or final legal determination requires otherwise.
## 13. Risk disclosures
By using QR Pay, you acknowledge and accept the following risks:
* **Fizen credit and insolvency risk.** Your QR Pay Balance is an unsecured claim against Fizen, not property held for you. Fizen may become unable to satisfy some or all of its obligations.
* **No segregation or deposit protection.** Assets are not required under these QR Pay Terms to be segregated or covered by a deposit-protection or investor-compensation scheme.
* **Stablecoin risk.** USDT or another Funding Asset may lose its intended peg, become illiquid, be frozen by its issuer, or lose some or all of its value. A USDT-denominated QR Pay Balance remains denominated in USDT and does not guarantee a fixed fiat value.
* **Blockchain risk.** A Blockchain may experience congestion, forks, attacks, outages, software defects or changed fees. Confirmed transfers may be irreversible.
* **Smart-contract and cybersecurity risk.** Wallets, smart contracts, systems, keys, accounts or service providers may be compromised or fail.
* **Local Payment Partner and payment-scheme risk.** QR Pay depends on third parties that may delay, decline, reverse, suspend or cease supporting transactions or markets.
* **Exchange-rate risk.** The fiat value of a Funding Asset and the applicable Conversion Rate can change between funding, Payment, refund and Withdrawal.
* **Merchant risk.** The Merchant may fail to deliver, may provide defective goods or services, may refuse a refund or may be fraudulent.
* **QR-code risk.** A QR code may be incorrect, replaced or manipulated. A Payment sent to the Merchant shown on the confirmation screen may be difficult or impossible to recover after Settlement.
* **Regulatory risk.** Law, regulation, licensing expectations or enforcement practices may change, which may restrict, suspend or terminate QR Pay or affect your transactions.
* **Operational and finality risk.** Status updates may be delayed or inconsistent across systems. Once a Payment has Settled, recovery generally depends on Merchant and partner processes.
You should not maintain a QR Pay Balance greater than you reasonably expect to use, and you should assess whether these risks are appropriate for you.
## 14. Regional information
### 14.1 Vietnam
Where QR Pay supports Payments to Merchants in Vietnam, the fiat settlement leg is performed through a Local Payment Partner and the supported local payment infrastructure. Fizen is not the local licensed payment intermediary for that fiat settlement leg. Unless Fizen expressly permits otherwise in the app, users whose Home Jurisdiction is Vietnam must not use QR Pay at Merchants in Vietnam.
### 14.2 Philippines
Where QR Pay supports Payments to Merchants in the Philippines, the fiat settlement leg is performed through a Local Payment Partner and the supported local payment infrastructure. Fizen is not the local licensed payment institution or virtual-asset service provider performing that fiat settlement leg. Unless Fizen expressly permits otherwise in the app, users whose Home Jurisdiction is the Philippines must not use QR Pay at Merchants in the Philippines.
### 14.3 Other jurisdictions
If QR Pay becomes available in additional jurisdictions, Fizen may publish an annex or in-app disclosure identifying the supported QR scheme, Local Payment Partner, currencies, restrictions and any additional terms. Unless expressly stated otherwise, the cross-border restriction in clause 2.2 continues to apply.
## 15. Service changes and availability
Fizen may add, remove or change a Funding Asset, Blockchain network, QR Pay Unit, Local Payment Partner, Merchant category, supported jurisdiction, QR scheme, limit, fee or feature where reasonably necessary for legal, security, operational or commercial reasons.
Fizen will provide advance notice of a material adverse change where required by the Master Terms or Applicable Law. Immediate changes may be necessary where delay would create legal, security, fraud, partner or operational risk.
Fizen does not guarantee uninterrupted availability or that a particular Merchant, partner, jurisdiction, Blockchain or payment scheme will remain supported.
## 16. Suspension, termination and remaining QR Pay Balance
### 16.1 Suspension or termination by Fizen
Fizen may suspend, restrict or terminate your use of QR Pay in the circumstances set out in these QR Pay Terms or the Master Terms, including breach, suspected unlawful activity, security risk, partner unavailability, regulatory requirement or discontinuation of the service.
### 16.2 Stopping use by you
You may stop using QR Pay at any time. Before closing your Fizen account, you should complete or resolve pending Payments and request Withdrawal of your Available QR Pay Balance, where Withdrawal is available.
### 16.3 Treatment of remaining balance
Suspension, termination or service discontinuation does not by itself extinguish a valid remaining QR Pay Balance. Subject to pending Payments, fees, corrections, set-off rights, compliance checks and binding legal restrictions, Fizen will provide a reasonable method for discharging the remaining obligation, normally by Withdrawal in the applicable Funding Asset.
Fizen may require identity verification, ownership evidence, source-of-funds information or a verified destination address before discharge. Fizen may delay performance for as long as required by Applicable Law, a binding order or a necessary compliance investigation.
If a user cannot lawfully receive the applicable Funding Asset, Fizen may use another lawful method where available and agreed or required. Fizen will not treat a balance as forfeited solely because the account is suspended or closed, except where a binding law, court order or final determination requires otherwise.
### 16.4 Survival
Clauses concerning completed transactions, ownership of Funding Assets, outstanding obligations, corrections, fees, taxes, compliance, risks, disclaimers, liability, disputes and any provision that by its nature should survive will continue after suspension or termination.
## 17. Disclaimers and limitation of liability
### 17.1 Service disclaimer
To the maximum extent permitted by Applicable Law, QR Pay is provided “as is” and “as available”. Fizen disclaims all warranties, express, implied or statutory, including warranties of merchantability, fitness for a particular purpose, availability, accuracy, title and non-infringement.
Fizen does not warrant that QR Pay will be uninterrupted, error-free or available at every Merchant, or that a Funding Transfer, Payment, refund or Withdrawal will be completed within any particular period.
### 17.2 Third parties and underlying purchases
Subject to any non-waivable obligation, Fizen is not liable for loss arising from:
* an act, omission, insolvency, outage or delay of a Merchant, Local Payment Partner, payment scheme, Blockchain, stablecoin issuer, wallet provider or other third party;
* the quality, legality, safety, non-delivery or fitness of Merchant goods or services;
* exchange-rate movement, a stablecoin depeg, token freeze or loss of liquidity;
* an incorrect or manipulated QR code where the Merchant and amount were displayed to you before confirmation;
* an incorrect wallet address, token or network selected by you;
* a legal or regulatory restriction; or
* circumstances beyond Fizen’s reasonable control.
However, if a Payment does not Settle, this clause does not remove Fizen’s obligation under clause 6.4 to release the corresponding Reserved Balance after status confirmation and reconciliation.
### 17.3 Liability cap
Subject to the exclusions below and to the maximum extent permitted by Applicable Law, Fizen’s aggregate liability arising out of or relating to QR Pay will not exceed the greater of:
* the total fees you paid directly to Fizen for QR Pay during the twelve months immediately preceding the event giving rise to the claim; and
* USD 500 or its equivalent.
### 17.4 Matters not subject to the cap
Nothing in these QR Pay Terms excludes or limits:
* Fizen’s obligation to account for and, subject to these QR Pay Terms, discharge a valid outstanding QR Pay Balance;
* liability for fraud, fraudulent misrepresentation, gross negligence or wilful misconduct;
* liability for death or personal injury caused by negligence; or
* any right or liability that cannot lawfully be excluded or limited.
For clarity, recognising an outstanding QR Pay Balance does not guarantee full recovery if Fizen is insolvent; insolvency and creditor-priority rules may affect recovery.
## 18. Privacy and data sharing
Fizen processes Personal Data as described in the [Fizen Privacy Policy](https://docs.fizen.io/privacy), which is incorporated by reference.
To provide QR Pay, prevent fraud and comply with Applicable Law, Fizen may collect, use and disclose identity, account, device, location, Funding Transfer, wallet, Merchant, Payment, refund and Withdrawal information to Local Payment Partners, Blockchain analytics providers, compliance vendors, stablecoin issuers, payment schemes, regulators, law-enforcement authorities and other persons described in the Privacy Policy.
## 19. Complaints and transaction enquiries
If you believe a Payment, refund, Withdrawal or QR Pay Balance entry is incorrect, contact Fizen Support through the app as soon as possible and provide the transaction identifier, date, amount, Merchant or wallet details and supporting evidence.
Fizen may refer the matter to a Local Payment Partner or Merchant and may request your reasonable cooperation. Time limits imposed by a payment scheme, partner or Applicable Law may affect available remedies, so delay may reduce the possibility of recovery.
The informal resolution, arbitration, governing-law and other dispute provisions in the Master Terms apply to disputes relating to QR Pay.
## 20. Changes to these QR Pay Terms
Fizen may amend these QR Pay Terms in accordance with the change and notice provisions in the Master Terms. Where a change materially affects the legal nature, denomination or discharge of an existing QR Pay Balance, Fizen will provide the notice and options required by Applicable Law.
Continued use of QR Pay after an amendment takes effect constitutes acceptance to the extent permitted by Applicable Law. If you do not agree, you must stop using QR Pay and request discharge of your Available QR Pay Balance before the change takes effect, subject to these QR Pay Terms.
## 21. Miscellaneous
Except as expressly varied by these QR Pay Terms, the Master Terms apply to QR Pay, including provisions on account security, intellectual property, acceptable use, notices, force majeure, indemnification, assignment, severability, governing law and dispute resolution.
Nothing in these QR Pay Terms creates a partnership, joint venture, fiduciary, trustee, custodial, escrow or agency relationship between you and Fizen. Fizen acts as principal when it accepts a Funding Asset and incurs the corresponding QR Pay Balance obligation. A Local Payment Partner acts in the capacity described in its own terms and applicable arrangements.
If a translated version of these QR Pay Terms is provided, the language-priority rule in the Master Terms applies, subject to mandatory local law.
## 22. Contact
* **General support and transaction enquiries:** in-app live chat
* **Legal notices:** [legal@fizen.io](mailto:legal@fizen.io)
* **Registered office:** Fizen Limited, Unit 1411, 14/F, Cosco Tower, 183 Queen’s Road Central, Sheung Wan, Hong Kong
# Fizen Wallet Terms
Source: https://docs.fizen.io/fizen-wallet
Non-custodial software wallet — terms applicable to all Fizen Wallet users.
**Effective: 5 June 2026**
## Important Notice
PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE FIZEN WALLET.
THE FIZEN WALLET IS A NON-CUSTODIAL, SELF-HOSTED SOFTWARE WALLET. FIZEN DOES NOT HOLD, CONTROL, OR HAVE ACCESS TO YOUR DIGITAL ASSETS OR YOUR PRIVATE KEYS. YOU ARE SOLELY RESPONSIBLE FOR SAFEGUARDING YOUR PRIVATE KEYS, SEED PHRASES, PASSWORDS AND OTHER ACCESS CREDENTIALS. IF YOU LOSE THESE, FIZEN CANNOT RECOVER THEM, AND YOU WILL PERMANENTLY LOSE ACCESS TO YOUR DIGITAL ASSETS.
THE USE OF DIGITAL ASSETS AND BLOCKCHAIN TECHNOLOGY INVOLVES SIGNIFICANT RISKS, INCLUDING THE RISK OF TOTAL LOSS. YOU SHOULD NOT USE THE FIZEN WALLET UNLESS YOU UNDERSTAND THESE RISKS AND HAVE THE FINANCIAL CAPACITY TO BEAR THEM.
THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE, A CLASS-ACTION WAIVER AND A LIMITATION OF LIABILITY THAT MATERIALLY LIMIT YOUR RIGHTS. PLEASE READ THEM IN FULL.
By accessing, downloading, installing or using the Fizen Wallet, you confirm that you have read, understood and agreed to be bound by these Wallet Terms of Use (the "Terms"). These Terms supplement, and form part of, the Fizen Master Terms of Use. If you do not agree, you must not use the Fizen Wallet.
## 1. The Wallet Service
### 1.1 Description
The Fizen Wallet is a non-custodial software interface that allows you to: (a) generate one or more public addresses on supported Blockchains; (b) view balances and transaction history aggregated from supported Blockchains; (c) initiate, sign and broadcast transactions in supported Digital Assets to those Blockchains; (d) interact with Third-Party Services, including dApps, exchanges, on/off-ramp providers and smart contracts; (e) access in-Wallet swap and on/off-ramp functionality powered by third-party providers; and (f) use any other features Fizen makes available from time to time.
### 1.2 Non-custodial nature
The Fizen Wallet is a non-custodial wallet. Fizen does not act as a depositary, custodian, fiduciary, exchange, money transmitter, broker-dealer, investment adviser, or financial institution. Fizen does not hold customer funds, does not provide custodial services within the meaning of the Hong Kong Anti-Money Laundering and Counter-Terrorist Financing Ordinance, the Singapore Payment Services Act, the U.S. Bank Secrecy Act, the EU MiCA Regulation, the UK FSMA or equivalent legislation in any other jurisdiction. By using the Wallet you acknowledge that no banking, money-transmission, custody, brokerage or investment-advisory relationship is created between you and Fizen.
### 1.3 Supported Blockchains and Digital Assets
Fizen may add, remove, suspend or restrict support for any Blockchain or Digital Asset at any time, with or without notice. The fact that a Blockchain or Digital Asset is supported by the Wallet does not constitute an endorsement of that Blockchain or Digital Asset by Fizen, a representation as to its legal, regulatory, technical or financial status, or a recommendation that you transact in it.
### 1.4 Transactions on the Blockchain
When you initiate a transaction through the Wallet, the Wallet constructs and signs the transaction using your Private Key on your device, and then broadcasts the signed transaction to the relevant Blockchain. Once a transaction is broadcast and confirmed by the Blockchain it is, as a technical matter, irreversible. Fizen has no ability to reverse, cancel, recall, modify or refund any confirmed Blockchain transaction. You are solely responsible for verifying the accuracy of every transaction (including the recipient address, the amount, the network selected, the asset, the smart-contract destination and any approval scope) before signing it.
### 1.5 Network fees (gas)
Transactions on a Blockchain require the payment of network fees (often called "gas" or "miner fees") denominated in the Blockchain's native Digital Asset. Network fees are paid by you to the Blockchain's validators, not to Fizen. Network fees vary with network conditions, are estimated by the Wallet on a best-efforts basis, and may differ from the actual fee charged. Fizen does not control, set, or have any role in the calculation or destination of network fees and is not responsible for failed transactions, delayed transactions or trapped funds resulting from incorrect, insufficient, or excessive network fees.
### 1.6 In-Wallet swaps and on/off-ramp
Where the Wallet offers a swap or on/off-ramp feature, that feature is powered by one or more Third-Party Services. Fizen aggregates quotes from third-party providers and surfaces them in the Wallet interface for your convenience. The actual swap or fiat-onramp transaction is executed between you and the third-party provider, on the third-party provider's terms, with the third-party provider's pricing, slippage tolerance, KYC and operational risk. Fizen is not the counterparty to your swap or fiat transaction, does not warrant the availability, price, execution quality, or completion of any swap or fiat transaction, and is not responsible for the conduct or solvency of any third-party provider.
### 1.7 dApp browser and Third-Party Services
The Wallet may include a dApp browser, a wallet-connect-style interface, or other functionality that enables you to interact with smart contracts and decentralised applications operated by third parties. Fizen does not develop, control, audit, endorse, monitor, screen or guarantee the security, accuracy, legality or performance of any dApp, smart contract or other Third-Party Service. Your interactions with Third-Party Services are entirely at your own risk, are governed by the terms of those Third-Party Services, and create no direct or indirect liability for Fizen. In particular, Fizen is not responsible for: (a) bugs, exploits or vulnerabilities in third-party smart contracts; (b) approvals you grant to smart contracts (including unlimited spending approvals, which may allow a malicious contract to drain your Wallet); (c) phishing dApps; (d) governance decisions, forks, rug pulls or token-economic decisions of any third-party project; or (e) any loss resulting from your interaction with any Third-Party Service.
## 2. Your Sole Responsibility for the Wallet
Fizen does not have, and has never had, access to your Private Key. Fizen cannot reset your Private Key, recover your Wallet, reverse a transaction, recover lost or stolen Digital Assets, freeze your Wallet, or move Digital Assets out of your Wallet.
If you lose your Private Key (including by losing your device, forgetting your password, losing your backup, having your seed phrase stolen or compromised, or otherwise), Fizen cannot help you and you will permanently lose access to the Wallet and to all Digital Assets in it.
It is solely your responsibility to (a) generate strong access credentials, (b) back up your seed phrase securely (preferably offline, in more than one physical location, and not in any cloud storage, screenshot or photograph that could be compromised), (c) keep your device free of malware, (d) keep the Fizen application up to date, (e) enable any additional security features Fizen makes available (such as biometric authentication, transaction signing prompts, anti-phishing word), and (f) never share your seed phrase, Private Key or password with any person — including any person claiming to be from Fizen, who will never ask for them.
## 3. Risk Disclosures
You acknowledge and accept that the use of the Fizen Wallet, Digital Assets and Blockchain technology involves significant risks, including the risk of total loss. The risks include, without limitation:
### 3.1 Market and price risk
Digital Assets are extremely volatile. Their value can fluctuate widely and rapidly, and may fall to zero. Fizen makes no representation or warranty as to the past, present or future value of any Digital Asset. Past performance is not indicative of future results.
### 3.2 Irreversibility risk
Transactions on a Blockchain are generally irreversible once confirmed. If you send Digital Assets to the wrong address, on the wrong network, in the wrong amount, to a malicious smart contract, or as a result of phishing or social engineering, Fizen cannot reverse the transaction or recover your Digital Assets.
### 3.3 Custody and access risk
If you lose your Private Key, your device, your backup, your password, or any other access credential, you will permanently lose access to your Wallet and the Digital Assets in it.
### 3.4 Cybersecurity risk
Your Wallet, your device and your network may be subject to attacks (including malware, phishing, SIM-swap, social engineering, supply-chain attacks, clipboard-hijack attacks and address-poisoning). You are solely responsible for the security of your device, network and credentials.
### 3.5 Smart-contract risk
Smart contracts may contain bugs, exploits, oracle failures, governance attacks or design defects that result in partial or total loss of Digital Assets. Audited smart contracts are not immune to attack.
### 3.6 Protocol and network risk
Underlying Blockchain protocols may experience congestion, downtime, forks (including contentious or hard forks), reorganisations, validator collusion, 51% attacks, MEV (maximal extractable value) attacks, censorship and other failures. Fizen is not obliged to support any fork, airdropped successor asset, or replacement chain.
### 3.7 Regulatory risk
The legal and regulatory treatment of Digital Assets, decentralised finance, stablecoins, NFTs and on-chain activity is uncertain and is changing rapidly. New laws, regulations, court decisions or regulatory actions in your jurisdiction or in any other jurisdiction may restrict, prohibit or significantly affect your ability to use the Fizen Wallet or to transact in particular Digital Assets.
### 3.8 Sanctions risk
Fizen screens transactions and addresses for sanctions and AML risk. Transactions involving sanctioned persons, sanctioned wallets or sanctioned jurisdictions may be blocked, delayed, reversed (where technically possible) or reported to competent authorities. You are solely responsible for ensuring your use of the Wallet does not violate any sanctions or AML law applicable to you.
### 3.9 No investment, tax or legal advice
Nothing Fizen makes available through the Wallet (including price displays, market data, transaction history, swap quotes, search results, educational content, push notifications, or in-app messaging) constitutes investment, financial, tax, legal, accounting or other professional advice.
## 4. Acceptable Use
You agree not to use the Fizen Wallet for any unlawful, fraudulent, deceptive, abusive or harmful purpose. Acceptable Use rules in the Fizen Master Terms of Use apply in full to your use of the Wallet, including the prohibitions on money laundering, terrorist financing, sanctions evasion, market manipulation, illegal gambling, illegal trade in regulated goods, unregistered securities offerings, and the use of VPN or proxy to evade geographic restrictions.
## 5. Compliance and Reservation of Rights
Fizen reserves the right, at any time and without prior notice where notice is impracticable, to: (a) refuse to surface or route any Wallet activity; (b) suspend or terminate your access to the Wallet; (c) request additional information or documentation from you (including identity documents, proof of source of funds, beneficial-owner information); and (d) report you and your activity to regulators, financial intelligence units, law-enforcement authorities and other competent authorities, in each case where Fizen reasonably believes such action is necessary to comply with Applicable Law, to detect or prevent fraud, money laundering, terrorist financing, sanctions evasion, or to protect the security or reputation of the Wallet.
Fizen has no ability to access, freeze or move Digital Assets in your non-custodial Wallet. The reservations of rights above relate to surfacing of features and access to the Fizen Platform, not to control of your on-chain assets.
## 6. Disclaimers and Liability
The Disclaimers, Limitation of Liability, Indemnification and time-bar provisions of the Fizen Master Terms of Use (clauses 13–14 and related) apply in full to your use of the Wallet. In particular, Fizen's aggregate liability arising out of or relating to the Wallet is limited as set out in the Master Terms of Use; Fizen disclaims warranties of merchantability, fitness for purpose, accuracy, availability and non-infringement; and any claim must be filed within one (1) year after the cause of action accrues.
## 7. Dispute Resolution and Governing Law
The dispute-resolution mechanism (informal resolution → SIAC arbitration in Singapore), the class-action waiver, the jury-trial waiver, the Hong Kong governing law and the carve-outs (small-claims court; injunctive relief) of the Fizen Master Terms of Use clause 18 apply to disputes relating to the Wallet.
## 8. Miscellaneous
Save as expressly varied by these Wallet Terms, the provisions of the Fizen Master Terms of Use apply to your use of the Wallet. In the event of conflict, these Wallet Terms prevail in respect of the Wallet only.
## 9. Contact
* **Legal (including all legal matters, notices of dispute, privacy, security):** [legal@fizen.io](mailto:legal@fizen.io)
* **General support:** in-app live chat
* **Registered office:** Fizen Limited, Unit 1411, 14/F, Cosco Tower, 183 Queen's Road Central, Sheung Wan, Hong Kong
# Achievements
Source: https://docs.fizen.io/general-introduction-to-fizen/achievements/achievements
What Fizen has built since 2022 — users, Web3 partners, and business clients across Southeast Asia and beyond.
Fizen launched in October 2022. A lean team of 15 people — technical, business development, and marketing — built and shipped everything you see today.
Three things matter most in the Fizen ecosystem:
Growing a base of real crypto spenders — not just holders
50+ trusted Web3 partners including Tether, Binance, Ondo Finance
Merchants and businesses integrated into the Fizen ecosystem
## Key milestones
| Milestone | Detail |
| - | - |
| **Launched** | October 2022 |
| **Backed by Tether** | Strategic investment from USDT issuer |
| **Visa network** | 150M+ merchants worldwide |
| **Cards per account** | Up to 200 |
| **Tokenized US stocks** | 100+ via Ondo Finance |
| **Web3 partners** | 50+ including Binance, BNB Chain |
| **Eligible nationalities** | Including Russian & Chinese nationals |
| **Markets** | SEA, LATAM, Eastern Europe, and beyond |
# Business Clients
Source: https://docs.fizen.io/general-introduction-to-fizen/achievements/business-clients
Merchants and businesses using Fizen Pay to accept crypto payments — restaurants, retail, online platforms, and more.
# Business Clients
Every merchant integrated into Fizen Pay is a place where crypto becomes spendable in real life.
This is how the ecosystem grows: more merchants → more useful for users → more users → more valuable for merchants.
## What business clients get
* **Accept USDT** from any Fizen user — instantly, with near-zero fees
* **QR Pay at point of sale** — no special hardware needed
* **Online checkout integration** — via API or hosted payment page
* **Instant settlement** — no 3–15 day card processing delays
* **Access to Fizen's user base** — a growing community of active crypto spenders
## Building a barrier
Integrating Fizen Pay takes time and effort. But once done, it creates loyalty — on both sides.
Users keep coming back to merchants where they can pay with crypto. Merchants stay on Fizen because their customers are there.
This is what makes Fizen's business model defensible — not just technology, but embedded relationships between merchants and users.
Start accepting crypto at your business
# Users & Community
Source: https://docs.fizen.io/general-introduction-to-fizen/achievements/users-and-community
Fizen's growing community of crypto spenders — real people using USDT for everyday life across SEA and beyond.
# Users & Community
Fizen's goal isn't to serve the small group of people already familiar with crypto. It's to reach the **billions who haven't been exposed to it yet**.
Making crypto accessible to everyday users — people who've never touched a wallet, never heard of a blockchain — is the real challenge. And it requires more than just a good product.
## How we grow the community
* **Events and campaigns** — introducing crypto to the public in a gentle, understandable way
* **KOC programs** — key opinion customers sharing real experiences, not paid promotions
* **Partner ecosystems** — brands that bring their own audiences into the Fizen network
* **Referral program** — users earning commission for every friend they bring on
## The journey since 2022
Fizen started in Vietnam and Southeast Asia — markets where QR payments are already part of daily life, and where crypto adoption is growing fast.
From day one, the focus was on **real usage**, not just downloads. Users who spend USDT on Fizen. Merchants who accept it. A community that grows because the product actually works.
Join the community
Earn commission for every referral
# Web3 Partners
Source: https://docs.fizen.io/general-introduction-to-fizen/achievements/web3-partners
Fizen's Web3 partner network — 50+ trusted partners including Tether, Binance, BNB Chain, and Ondo Finance.
# Web3 Partners
Fizen doesn't operate alone. Our Web3 partner network brings credibility, liquidity, and reach to the ecosystem.
## Key partners
| Partner | Role |
| - | - |
| **Tether** | Strategic investor — issuer of USDT |
| **Ondo Finance** | Tokenized US stocks & ETFs on Fizen |
| **Binance** | Web3 ecosystem partner |
| **BNB Chain** | Blockchain infrastructure |
| **Visa** | Global card network |
## 50+ trusted Web3 partners
Fizen has built relationships with over 50 Web3 projects, protocols, and infrastructure providers since 2022.
These partnerships strengthen the ecosystem from multiple directions — more liquidity, more supported tokens, more integration points, and more credibility with users who care about who's backing the products they use.
## Why partnerships matter
For many people, blockchain projects have negative connotations. Every credible partner Fizen works with is a signal: **this is a real company, building real products, with real backing.**
Tether's strategic investment is the clearest signal — the issuer of the world's most-used stablecoin chose Fizen to help bring USDT into everyday life.
[Read the Tether × Fizen announcement →](https://tether.io/news/tether-announces-strategic-investment-in-fizen-to-strengthen-global-stablecoin-utilization-and-self-custody-solutions/?utm_source=docs_mintlify\&utm_medium=docs)
# Where We're Going
Source: https://docs.fizen.io/general-introduction-to-fizen/fizens-story/fizen-ecosystem
Fizen's vision for the future — a world where crypto is as easy to spend as cash, for everyone, everywhere.
## Where We're Going
Crypto payments are still early. Most people holding USDT today still convert via P2P to spend it — paying fees, waiting, taking risks. Most merchants still don't accept crypto. That gap is exactly where Fizen operates.
But this is changing fast.
## The world we're building toward
In the next 3–5 years, we believe:
* People will receive salaries in crypto
* Savings will sit in stablecoins earning yield
* Everyday purchases — coffee, groceries, travel — will be paid with USDT as naturally as tapping a card
* Cross-border payments will take seconds, not days, and cost cents, not dollars
Fizen is building for that world **right now** — not waiting for it to arrive.
## The flywheel
Every new Fizen Card holder is another person spending crypto in real life
Fizen Pay gives businesses the infrastructure to accept USDT
The more places you can spend it, the more valuable it becomes
This is how crypto goes mainstream — not through hype, but through genuine daily utility expanding market by market, user by user.
## Join us
Start spending USDT today
Accept crypto at your business
# Mission
Source: https://docs.fizen.io/general-introduction-to-fizen/fizens-story/fizens-story
Bring crypto to life, make the lives of hundreds of millions of people better with crypto
Our mission is simple: Bring crypto to life, make the lives of hundreds of millions of people better with true financial freedom.
"We are not a polished writer. We are builders. What we have is conviction — and a team that shows up every day to build products people actually use, trust, and rely on" - Leo Vu, CEO & Co-founder
The problem crypto hasn't solved yet
Our approach to making crypto practical
What we've built so far
Start spending USDT today
# How
Source: https://docs.fizen.io/general-introduction-to-fizen/fizens-story/how
How Fizen makes crypto spendable in real life — bridging USDT to Visa, QR payments, and global spending infrastructure.
# How
Technology always moves faster than regulation. Today, most countries have accepted crypto payments — and the infrastructure has never been better.
Transferring USDT on modern blockchains costs fractions of a cent and settles in seconds. No international banking system can match that.
## Two paths to spending crypto
**In countries where crypto payments are accepted directly:**
Users can pay businesses with USDT — scan a QR, tap to pay, done.
**In countries with restrictions:**
Fizen acts as the bridge — converting crypto to local fiat in the background, so the payment goes through seamlessly for both merchant and user.
## Why mobile-first
No one wants to open a laptop, load a browser, connect a wallet, and paste an address just to buy a coffee. Fizen is a mobile app because payments happen in real life — at the counter, at the market, on the go.
A few taps. Seconds. Done.
This is what crypto payments were always supposed to feel like.
## The bigger picture
Money technology has always evolved — shells, coins, paper, cards, digital banking, and now crypto. The tools that genuinely serve people endure. We believe USDT and stablecoins are that next layer.
Fizen's job is to put that layer in everyone's pocket.
What we've built
Try it yourself
# Our Actions
Source: https://docs.fizen.io/general-introduction-to-fizen/fizens-story/our-actions
What Fizen has built — Fizen Card, Fizen Super App, QR Pay, Fizen Pay and the ecosystem connecting crypto users and businesses worldwide.
# Our Actions
Most crypto startups stop at one side of the problem — either a payment gateway for merchants, or a wallet for users. But businesses can't find crypto users, and users don't know where to spend.
**Fizen connects both sides.**
## What we've built
**Fizen Super App** — the spending layer for users. Buy/sell crypto, send money internationally, pay by QR, get eSIM, top up phone, buy gift cards, trade tokenized U.S. stocks. Everything in one mobile app.
**Fizen Card** — a USDT-funded Visa card. Load USDT, spend at 150M+ Visa merchants worldwide. Up to 200 cards per account. Works with Google Pay and Apple Pay.
**Fizen QR Pay** — scan to pay with USDT at participating merchants, especially across Southeast Asia.
**Fizen Pay** — a crypto payment gateway for businesses. Accept USDT online or in-store. Withdraw crypto or convert to local fiat.
## What this creates
By connecting merchants who accept crypto with users who hold crypto, Fizen makes USDT circulate in real life — not just sit on exchanges.
This is how crypto becomes useful. Not through hype. Through actual daily spending.
## Key milestones
| Milestone | Detail |
| - | - |
| Backed by Tether | Strategic investment from the world's largest stablecoin issuer |
| Visa network | 150M+ merchants worldwide |
| Up to 200 cards | Per account — for teams, agencies, power users |
| Tokenized US stocks | 100+ stocks & ETFs via Ondo Finance |
| Multi-region | Active users in SEA, LATAM, Eastern Europe, and beyond |
| Russian & Chinese nationals | Eligible to apply where most cards say no |
Join thousands of users spending USDT globally. Virtual card in minutes.
# Why
Source: https://docs.fizen.io/general-introduction-to-fizen/fizens-story/why
Why Fizen exists — crypto was built for payments, but nobody built the payments layer in 2022. We did.
# Why
Bitcoin's original whitepaper was titled *"Bitcoin: A Peer-to-Peer Electronic Cash System."* Payments — fast, open, low-cost, borderless — were always the point.
The technology kept improving. Ethereum brought programmable money. USDT gave the world a price-stable digital dollar. And yet, almost nobody uses crypto to buy a coffee, book a flight, or pay a supplier.
**The gap is real.**
* How many people actually spend crypto day-to-day? Very few.
* How many businesses have real crypto payment infrastructure? Also very few.
* How many USDT holders lose 2–5% every time they convert via P2P just to spend? Almost all of them.
We feel two things about this gap: **sadness** that crypto hasn't lived up to its original purpose — and **optimism** because this is exactly the opportunity.
Payments are still the most practical, most scalable, most impactful application of crypto. No one has truly unlocked it for the world yet.
**That's where Fizen comes in.**
We believe crypto should be usable — every day, everywhere, by everyone. Not just for trading. Not just for speculation. But for real life: fast, simple, low-cost payments with investment opportunities, all in one app.
Spend USDT like cash — 150M+ Visa merchants worldwide.
# Business Scalability
Source: https://docs.fizen.io/general-introduction-to-fizen/practical-applications/business-scalability
How Fizen's platform model creates exponential growth — connecting crypto users and businesses at global scale.
# Business Scalability
Fizen doesn't directly sell products or provide services. Everything is delivered by our partners.
This is a deliberate design choice — and it's what makes Fizen scalable.
***
## The platform model
Fizen builds the infrastructure. Partners plug in and serve users.
* A merchant integrates **Fizen Pay** → instantly gains access to Fizen's user base
* Fizen users gain a new place to spend their USDT
* The ecosystem grows for everyone
This is the same model behind the world's largest platforms:
> YouTube doesn't create content. Airbnb doesn't own hotels. Uber doesn't own cars.
> **Fizen doesn't sell products — it builds the platform that connects buyers and sellers.**
***
## Growth curve
In the early stage, growth is linear — one partner, one integration at a time.
As the number of partners grows, the value of the network compounds. More merchants → more useful for users → more users → more valuable for merchants.
**Linear → Exponential.**
***
## Global by design
Fizen is built on USDT — a globally used stablecoin. This means Fizen's ecosystem isn't limited to one country or region.
Every new market that adopts USDT is a potential market for Fizen.
Add crypto payments to your business
Join the user side of the ecosystem
# Cashless Travel
Source: https://docs.fizen.io/general-introduction-to-fizen/practical-applications/cashless-travel
Travel without cash or cards — pay anywhere with USDT using Fizen Card or QR Pay. Built for travelers, digital nomads, and expats.
# Cashless Travel
Currency exchange fees. ATM limits. Cards that get blocked abroad. Cash that gets lost or stolen.
**Fizen eliminates all of it.**
***
## Travel with one app
| Problem | Fizen Solution |
| - | - |
| Currency exchange fees | Pay directly in USDT — no conversion needed |
| Card blocked abroad | Fizen Card works at 150M+ Visa merchants globally |
| No cash for local markets | Fizen QR Pay — scan and pay in SEA markets |
| Expensive roaming data | Buy global eSIM directly from the app |
| Finding local rates | Real-time FX, no hidden markups |
***
## Who this is for
* **International travelers** — especially across Southeast Asia and LATAM
* **Digital nomads** — freelancers living abroad without local bank accounts
* **Expats** — sending money home or spending internationally without bank friction
* **Tourists** — arriving in a country without local currency, paying instantly with QR
***
## How it works in practice
1. Load USDT onto your Fizen Card before you travel
2. Pay at hotels, restaurants, shops — anywhere Visa is accepted
3. In SEA markets — scan QR codes to pay local merchants directly with USDT
4. Need mobile data? Buy an eSIM from the Fizen app in seconds
5. Send money home or receive payments from clients — no wire transfer delays
Your travel card loaded with USDT
QR Pay, eSIM, and more
# Cross-Border Payments
Source: https://docs.fizen.io/general-introduction-to-fizen/practical-applications/cross-border-payments
Send money internationally with crypto — no SWIFT delays, no bank fees, no middlemen. Fizen makes cross-border payments instant and cheap.
# Cross-Border Payments
Traditional cross-border payments are slow, expensive, and full of friction. SWIFT takes days. Banks charge 3–5%. The money loses value at every step.
**Crypto was built to solve this. Fizen makes it practical.**
***
## The problem with traditional cross-border payments
| Traditional | Fizen |
| - | - |
| 3–5 business days | Seconds |
| 3–5% in fees | Fractions of a cent |
| Bank account required | Just a wallet address |
| Geographic restrictions | Global, borderless |
| Business hours only | 24/7 |
***
## Who this is for
* **Freelancers** receiving payment from international clients in USDT
* **Remote workers** paid in crypto, spending locally
* **Businesses** paying overseas suppliers without wire transfer delays
* **Media buyers & agencies** funding ad accounts on Meta, Google, TikTok
* **E-commerce sellers** collecting payments from global customers
***
## How Fizen enables cross-border payments
**Receive** — get paid in USDT from anywhere in the world, directly to your Fizen wallet.
**Hold** — USDT is stable. No currency risk while you wait to spend or transfer.
**Spend** — use Fizen Card at 150M+ Visa merchants, or QR Pay at local shops.
**Send** — transfer USDT to anyone globally in seconds.
Receive in USDT. Spend anywhere Visa works.
# Practical Applications
Source: https://docs.fizen.io/general-introduction-to-fizen/practical-applications/practical-applications
Real-world use cases for Fizen — travel without cash or cards, cross-border payments, and business scalability.
Crypto is best suited for cross-border payments. That's where Fizen focuses.
Two core applications today — and a platform built to scale far beyond them.
Travel anywhere without cash or local cards — pay with USDT via QR or Fizen Card
Send money, pay suppliers, receive income across borders — fast, cheap, borderless
How Fizen's platform model creates exponential growth
In 3–5 years, as crypto goes mainstream, Fizen will support everyday spending — coffee, groceries, salaries — not just cross-border use cases. We're building for that world now.
# Fizen Super App
Source: https://docs.fizen.io/general-introduction-to-fizen/products/fizen-app
The all-in-one crypto super app — spend, send, invest, travel, and earn with USDT. Available on iOS & Android.
Fizen Super App is the all-in-one crypto app for global citizens. Pay with crypto, send money internationally, trade tokenized US stocks, get eSIM, and more — all in one place. Learn more at [fizen.io](https://fizen.io).
App Store
Google Play
***
## What you can do
| Feature | Description |
| - | - |
| **Fizen Card** | USDT-funded Visa card — spend at 150M+ merchants worldwide |
| **QR Pay** | Scan to pay with USDT at local merchants — great for SEA |
| **Send Money** | Fast cross-border transfers in crypto |
| **Buy & Sell Crypto** | P2P and on-ramp with local fiat currencies |
| **Tokenized US Stocks** | Trade Apple, Tesla, Nvidia, S\&P 500 and 100+ more via Ondo Finance |
| **eSIM** | Global data plans — buy directly from the app |
| **Gift Cards** | Redeem and send gift cards with USDT |
| **Phone Top-up** | Top up mobile credit in multiple countries |
| **FiPoint Rewards** | Earn points on every transaction, redeem for benefits |
| **Referral Program** | Invite friends and earn commission |
***
## Why one app
Most crypto apps do one thing. Fizen does everything — because real life doesn't happen in silos.
You travel → you need eSIM, local payments, and a card that works everywhere.
You freelance → you receive crypto, convert, send, and spend without losing 3% every step.
You invest → you trade US stocks from your USDT balance without opening a brokerage account.
One app. One balance. No friction.
Have questions? Contact support via the **in-app live chat** or email [cs@fizen.io](mailto:cs@fizen.io)
# Fizen Card
Source: https://docs.fizen.io/general-introduction-to-fizen/products/fizen-card
Fizen Card is your Visa prepaid card funded directly with USDT. Load crypto, spend anywhere Visa is accepted — online, in-store, tap-to-pay, or via Google Pay and Apple Pay.
Virtual card issued instantly — takes 5 minutes
***
## Why Fizen Card
* **Spend instantly** — Tap to Pay, Chip & PIN, Magstripe, QR Scan. Works like any Visa card
* **Simple flow** — Load USDT, spend in USD or local currency
* **Real-time FX** — Spend in local currency wherever you are
* **Up to 200 cards** per account
* **Google Pay & Apple Pay** supported
* **No holds. No freezes** — No bank can freeze it. What you load, you can spend
* **Restricted countries welcome** — Russian and Chinese nationals with eligible documents can apply
* **24/7 instant human support**
***
## This card is for you if
* You hold USDT and you're tired of paying 2–5% to spend it via P2P
* You travel around SEA and want an all-in-one payment solution
* You run ad spend on Meta, Google, or TikTok
* You're a freelancer paid in USDT and done losing money on every conversion
* You're from a restricted country and every fintech door has been closed
Backed by **Tether** — the company behind the USDT in your wallet.
***
## Guides
Step-by-step application
Load USDT and start spending
Add to your phone wallet
Freeze, unfreeze, view balance
Spending, travel & saving perks
Full fee schedule
# Fizen eSIM — Travel eSIM for 150+ Countries, Pay with USDT or Card
Source: https://docs.fizen.io/general-introduction-to-fizen/products/fizen-esim
Buy travel eSIM data plans for 150+ countries in the Fizen App. Pay with USDT, card, or Apple Pay. One-click activation, no roaming charges, competitive like-for-like prices, and a 1:1 Trip Guarantee.
**Fizen eSIM** is a travel eSIM that gives you mobile data in **150+ countries**, bought and activated entirely inside the Fizen App. Pay with **USDT** or your bank card, tap one link to activate, and land connected — no SIM swaps, no roaming charges, no surprises on your phone bill. Explore plans and destination pricing at [fizen.io/esim](https://fizen.io/esim).
Buy and activate in 2 minutes — right from the app
***
## What is Fizen eSIM?
An eSIM is a digital SIM built into your phone — no plastic card, nothing to swap. Fizen eSIM lets you install a local data plan for your destination before you fly, so mobile data works the moment you land. It runs alongside your regular SIM: your number stays active for calls and texts, while the eSIM carries your internet at local prices instead of roaming rates.
***
## Why travelers choose Fizen eSIM
* **Lower like-for-like prices** — on equivalent fixed-data plans, Fizen typically prices below Airalo, Saily, Holafly, and Nomad
* **150+ countries** — single-country, regional, and global data plans in one app
* **Pay with USDT or fiat** — USDT straight from your wallet, or Visa/Mastercard, Apple Pay, and Google Pay via Stripe. No bank account needed
* **One-click activation** — tap the activation link after purchase. No QR codes, no manual setup
* **No roaming charges** — fixed price upfront, zero surprise bills
* **1:1 Trip Guarantee** — if a fault on our side stops your eSIM working, free 1-for-1 replacement for the entire trip, or a refund for the days you couldn't use
* **Returns before installation** — plans change? Most plans can be returned before you install the eSIM, for a refund (flat \$1 fee)
* **100% human support** — live chat with a real person, not a bot
***
## Fizen eSIM vs Airalo, Saily, and Holafly
On like-for-like fixed-data plans, Fizen typically prices below Airalo, Saily, Holafly, and Nomad — and it's the only one that lets you pay with USDT, return unused eSIMs on refundable plans, and chat with a real human instead of a bot. Compare destination prices yourself at [fizen.io/esim](https://fizen.io/esim).
***
## Who it's for
* Travelers who are done paying \$10/MB in roaming fees
* Digital nomads hopping between countries every few weeks
* Business travelers who need instant data the moment they land
* Anyone comparing Airalo or Saily prices — check ours first
* Anyone who holds USDT and wants to spend it on something useful
eSIM is available inside the **Fizen Super App** — the same app you use for Card, QR Pay, and everything else.
***
## Guides
New users from 19 August 2026 get \$10 of promotional credit automatically in the app
Purchase and one-click activation
Check if your phone supports eSIM
Install by QR or activation code
See what's left and buy more in time
No internet? Fix it in 2 minutes
Free 1-for-1 replacement or refund
Hotspot, phone number, buying more data & more
Browse destinations on fizen.io/esim
## Keep reading
* [Buy an eSIM with USDT: the complete guide](https://blog.fizen.io/fizen-esim-complete-guide/)
* [Fizen eSIM vs Airalo vs Holafly](https://blog.fizen.io/fizen-esim-vs-airalo-vs-holafly/)
* [Get a Fizen eSIM on fizen.io](https://fizen.io/esim)
# Fizen Pay
Source: https://docs.fizen.io/general-introduction-to-fizen/products/fizen-pay
Crypto payment gateway for businesses — accept USDT instantly, settle in seconds, save 70–90% vs traditional payment fees.
Fizen Pay is the crypto payment gateway for businesses. Accept USDT from customers online or in-store — no bank delays, no chargebacks, no middlemen.
Set up in minutes. Accept crypto from day one.
***
## Why Fizen Pay
| Traditional Payments | Fizen Pay |
| - | - |
| 2–3% card processing fee | Typically less than 1% |
| 3–15 day settlement | Instant |
| Chargeback risk | No chargebacks |
| Geographic limits | Global — anyone, anywhere |
| Complex integration | Simple QR or API |
***
## What you get
* **QR Pay** — generate a QR code, customer scans and pays with USDT in seconds
* **Online checkout** — embed Fizen Pay into your website or platform
* **API & Webhooks** — full developer integration for custom flows
* **Instant settlement** — funds arrive immediately, no batch delays
* **Multi-chain support** — USDT on Solana, Ethereum, Tron, BNB Chain
* **Non-custodial** — withdraw to your own wallet anytime
***
## Built for real businesses
Fizen Pay isn't just a gateway. It's connected to the Fizen Super App ecosystem — hundreds of thousands of users who actively spend crypto.
When you integrate Fizen Pay, you tap into a ready-made customer base looking for places to spend their USDT.
fizen.io/business
How to integrate Fizen Pay
# Binance Gift Cards
Source: https://docs.fizen.io/help-center/fizen-app/binance-giftcard
Buy gift cards with crypto and send them to anyone — all within the Fizen app.
***
## Buy a gift card
Go to the Gift Cards section and choose from available brands.
Select the cards you want and add them to your cart. You can buy multiple at once.
Select which crypto you want to pay with.
Confirm and pay. Your gift cards are ready instantly.
[Watch: How to buy multiple gift cards](https://www.youtube.com/watch?v=5iUZGkyR5oA)
***
## Send a gift card
Select **My Giftcard** on the homepage.
Long-press on a card or tap **Send gifts** to select multiple cards at once.
Select from contacts, recent activity, or enter/scan a wallet address.
Confirm the send. The recipient gets notified when the gift is delivered.
# Book a flight
Source: https://docs.fizen.io/help-center/fizen-app/faq/book-a-flight
Step 1: Click on the Search section of Where can we take you to
Step 2: In the Fly from section, enter the departure point
Step 3: In the Fly to section, enter the destination
> Note: To search for the departure point and destination, you need to type the full name of the province you want to go to, or the abbreviation of the airport you want to search for
Step 4: Select the flight type, One-way or Round Trip
* For One-way, select the departure date
* For Round Trip, select the departure date and return date
Step 5: Passenger number information, including:
* Number of Adults
* Number of Children
* Number of Babies
Then click Find Flights
Step 6: Select the flight by Airline - Flight time - Ticket price, click Select to select the flight you want
Step 7: Fill in the passenger information. In this section, please fill in the correct information of the person booking the ticket, because the ticket information will be sent via email.
* Last name
* Gender
* Email address
* Phone number
* Passenger information
Please fill in the complete information of each passenger
Step 8: In the Service Selection section, select Baggage & Choose your seat if you want
Step 9: Check all the information again and Click Swipe to Payment in the payment section
Wait for the transaction to complete. After completing the transaction, the flight ticket information will be sent to your Email by Fizen, please check your email.
If you encounter any problems during the payment process, do not hesitate to contact the Fizen team immediately for quick support.
# Buy a Gift Card
Source: https://docs.fizen.io/help-center/fizen-app/faq/buy-a-giftcard
Shop at 2,500+ global brands, send gift cards to friends, or use them for travel. Earn FiPoints with every purchase.
From the Fizen Super App home screen, select **Gift Card**.
Select your country and search for the brand you want.
Choose the gift card value and select your payment token (USDT, BNB, FiGift, etc.).
Confirm the purchase. Your gift card is ready instantly.
Gift cards are **one-time use only**.
# FAQ - Fizen App
Source: https://docs.fizen.io/help-center/fizen-app/faq/faq
Step-by-step guides for key Fizen Super App features.
Send, receive, scan
Pay with USDT via QR
Import custom tokens
Shop at 2,500+ brands
Global data plans
Mobile credit top-up
Buy and sell crypto
Earn yield on your assets
Referral program
# How to Add a Token
Source: https://docs.fizen.io/help-center/fizen-app/faq/how-to-add-a-token
Beware of scams — some contracts impersonate real tokens with the same symbol. Only import contracts that are audited or verified.
On the home screen, tap the wallet area to view your assets.
Select **+** to add tokens or NFTs.
* **From list** — select from Fizen's partnered projects
* **By contract address** — paste the token's contract address manually
* **By project code** — enter the project code to search
The token appears in your wallet balance.
# How to Book a Hotel
Source: https://docs.fizen.io/help-center/fizen-app/faq/how-to-book-a-hotel
Book hotels across multiple countries directly from the Fizen Super App.
On the homepage, select **Travel**.
Tap the **Search** bar and enter your destination or hotel name.
Enter number of rooms, guests (adults and children), length of stay, and nationality. Tap **Search**.
View the hotel list and tap a hotel to see detailed information.
Choose your room type, review the details, and complete payment with crypto.
# How to Use Fizen Wallet
Source: https://docs.fizen.io/help-center/fizen-app/faq/how-to-use-fizen-wallet
Always check your network connection before transferring. Make sure sender and receiver are on the same network.
## Scan to Pay
Select the **Scan** button from the main screen.
Point camera at QR code, or select an image from your photo library.
Input the amount, then swipe to confirm the transaction.
***
## Receive
Find **Receive** in your wallet.
Choose the correct token and network. Share your QR code or wallet address with the sender.
***
## Send
Open **Send** from the wallet screen.
Paste or scan the recipient's wallet address.
Choose the token and amount to send.
Review details and swipe to confirm.
Always double-check the recipient address before confirming. Crypto transactions are irreversible.
# How to Use QR Pay
Source: https://docs.fizen.io/help-center/fizen-app/faq/how-to-use-qr-pay
QR Pay is currently available in **Vietnam** and **Philippines**. More regions coming soon.
Supports VietQR, Momo, and ZaloPay codes.
## Deposit into QR Pay balance
On the homepage, select **QR Pay**.
Select the **Deposit** option.
Input how much USDT you want to deposit.
Accept Terms & Conditions, then swipe to confirm.
***
## Pay a merchant via QR
Open QR Pay → tap **Scan**.
Point camera at the merchant's QR code.
Input the payment amount and swipe to confirm.
***
## Transfer between QR Pay accounts
Open QR Pay → select **Transfer**.
Input the recipient's phone number or QR Pay ID.
Specify amount and swipe to confirm.
# Invite a Friend
Source: https://docs.fizen.io/help-center/fizen-app/faq/invite-a-friend
Invite friends to Fizen and earn $10-equivalent eSIM credit each, plus FiPoints and commission.
Invite friends to Fizen. You and your friend each get \$10 of eSIM credit when they enter your code, plus FiPoints and commission. Promotional credit, not cash.
Send them the [Fizen App](https://fizen.io/app?accessCode=fizen\&utm_source=web\&utm_medium=fizen\&utm_campaign=app_download\&utm_content=docs\&aid=6a8573040a0aa1256a7e5935). New users from 19 August 2026 get \$10 welcome credit automatically in the app, plus \$10 each from your personal code.
On the homepage, scroll down and select Invite Friends.
* Option 1: Copy your Referral Code (you can customize it — tap Edit)
* Option 2: Copy your Referral Link
* Option 3: Save or share your QR Code
When your friend downloads Fizen and registers using your code or link, they're connected to your referral.
You each receive \$10 of eSIM credit (you can earn this on up to 10 friends). FiPoints and commission on their transactions continue as before.
eSIM credit, FiPoints, and commission
# P2P Crypto ↔ Fiat
Source: https://docs.fizen.io/help-center/fizen-app/faq/p2p-crypto-less-than-greater-than-fiat
Buy crypto with fiat or sell crypto for fiat — directly in the Fizen app via P2P.
## Buy crypto
Homepage → **Fizen P2P** → tap **Buy**.
Input how much local currency you want to spend.
Accept Terms & Conditions and swipe to confirm.
**IMPORTANT:** Copy and paste the following exactly as shown — do not modify:
* Bank name
* Bank account number
* Transfer message
Any error may result in loss of funds.
## Sell crypto
Homepage → **Fizen P2P** → tap **Sell**.
Input how much crypto you want to sell.
Choose your bank account for fiat payout.
Swipe to confirm. Fiat is credited after the transaction is verified.
# Purchase and Activate an eSIM
Source: https://docs.fizen.io/help-center/fizen-app/faq/purchase-and-activate-an-esim
**Before you buy:**
* Activate your eSIM **before departure** for immediate connectivity on arrival
* Check device compatibility: **Settings → Cellular/Mobile → Add eSIM** — if this option appears, your device supports eSIM
## Purchase an eSIM
On the home screen, select **eSIM**.
Search for the destination country.
Select based on validity period, data amount (MB/GB per day), and coverage area.
Choose your token and complete the purchase.
## Activate your eSIM
After purchase, follow the activation instructions sent to your Fizen app notification or email. Activation steps vary by device — refer to your phone's eSIM setup guide if needed.
# Saving in Fizen
Source: https://docs.fizen.io/help-center/fizen-app/faq/saving-in-fizen
Fizen offers two savings options:
| Option | Description |
| - | - |
| **Fizen Savings** | FiPoint savings with compound interest up to 30% — no blockchain fees |
| **Yearn.finance** | On-chain staking for Ethereum, Optimism, Fantom assets via third-party dApp |
## Deposit
Open the **Savings** section.
Scroll horizontally to select a plan. Choose by network and asset type.
Select the plan you want.
Input how much you want to deposit.
Tap **Confirm** and wait for the transaction to process.
## Withdraw
Go to the **Savings** section and select your active plan.
Enter the amount to withdraw.
Confirm the withdrawal. Funds return to your wallet.
For Yearn.finance savings, you receive yTokens representing your stake. These are burned when you withdraw and your original assets plus yield are returned.
# Top Up Phone
Source: https://docs.fizen.io/help-center/fizen-app/faq/top-up-phone
Currently supports **prepaid mobile** top-ups only. For postpaid numbers, use the **Gift Card** feature instead.
From the homepage, select **Phone & Data**.
Fill in your country, mobile number, and network provider.
Select the amount and pay with USDT, BNB, or FiGift.
Confirm the payment. Top-up is credited to your mobile balance automatically.
# Earn
Source: https://docs.fizen.io/help-center/fizen-app/fipoint/earn
1. ### Welcome gift
You will receive 1000 FiPoint as a welcome gift for successfully setting up your wallet after a new download.
2. ### Refer your friends
Intending to expand the active user community, Fizen has included the referral code feature in the app, thereby giving the newbie some attractive welcome gifts and, at the same time, offering many exclusive rewards for the referrers.
Briefly, each time you share your referral link with a friend, you will receive 1,000 FiPoint when they enter your code and 1,000 FiPoint for their first transaction on Fizen. Your friend who downloads Fizen through your referral link will also receive 1,000 FiPoint!
#### Refer your friends
**Step 1**: Share your Referral Code/QR code/link with your friends.
**Step 2**: Have your friends install Fizen, then enter the referral code when they first set up their wallet or in the Referral screen's **Who did invite you**?
**Step 3**: Both of you will get 2,500 FiPoint in your wallet after this step.
**Step 4**: After your friends’ first successful giftcard purchase on Fizen, receive 1,000 FiPoints for each of you.
#### Conditions for a successful referral
* Your friends have to import an existing wallet or create a new one on Fizen Super App;
* Enter your Referral Code before making the first giftcard transaction.
3. ### Daily check-in reward
You can access the **Earn FiPoint** page from the homepage.
Daily Check-in is an activity for users to earn FiPoint simply by checking in to the **Earn FiPoint** page on **Fizen App**.
Select **Get FiPoint** to receive FiPoint every day. You will be able to earn additional FiPoint for consecutive daily check-ins.
On the **7th day** of consecutive check-ins, you can win up to **1000** FiPoint.
3. ### Watch2Earn
Watch2Earn is an activity for users to earn FiPoint simply by viewing short ads on **Fizen Super App**.
Each device is only eligible for a maximum of five adverts daily to earn FiPoint.
**Step 1**: By selecting Watch2Earn, you will be prompted to auto-play ads for up to 30 seconds.
**Step 2**: After the ads video end, we will notify you by the button Rewards granted.
**Step 3**: Tap the X button to exit the video playing screen.
5. ### Deposit FiPoint
Deposit to get a reward is a common activity to earn more assets. On Fizen Super App, everyone can earn up to 30% of compounding interest. Compare to traditional banking, users earn interest every day and have a better sense of gaining more assets.
6. ### Buy Giftcard
For all gift card transactions, Fizen users will receive FiPoint as a loyalty reward. The number of points will correspond to the value of the transaction. Spend more and you will get more FiPoints.
# FiPoint
Source: https://docs.fizen.io/help-center/fizen-app/fipoint/fipoint
1. WHAT IS FIPOINT?
**FiPoint** is Fizen’s loyalty reward points that can be redeemed for real-life gifts. You can get vouchers for café, restaurants, movie theaters, and mobile top-up.
Fipoint is not a cryptocurrency, but instead an onramp for potential Web3 users. If you are interested in the crypto space but hesitate to spend, FiPoint is the perfect training ground for new users.
To eliminate the financial barrier and encourage Web3 usage, Fizen is free to earn through in-app activities and cannot be bought.
2. UTILITIES OF FIPOINT
FiPoint is not just a loyalty point system, it’s an incentive to attract Web2 users to onboard Web3 via Fizen. Some of the current and future utilities of FiPoint are:
💎Redeeming gift cards from popular brands
💎Redeeming for exclusive NFT
💎Staking up to 30% APY
💎Playing Spin & Win games
3. FIPOINT REWARD MECHANISM
# Redeem
Source: https://docs.fizen.io/help-center/fizen-app/fipoint/redeem
1. ### Giftcard/NFT/Token
**Step 1**: Tap **Redeem FiPoint** on **Homepage**
**Step 2**: Initially, Fizen will choose your current location as the country. You can change it later.
**Step 3**: Choose rewards you want to redeem
**Step 4**: Review reward information then tap Redeem in the bottom right corner of the screen
**Step 5**: Tap Redeem to confirm FiPoint payment
**Step 6**: Waiting for reward delivery. Rewards are usually delivered within 5 minutes, but in some cases, it can take up to seven days for giftcard delivery. Please note that with token and NFT reward, Fizen will cover the transaction fee. You will be notified once the rewards are delivered.
2. ### Lucky Wheel
One of the most anticipated loyalty programs, Lucky Wheel, is a spin & win game. You will have numerous chances to acquire appealing gifts such as vouchers, NFTs, tokens, FiPoints, and puzzle pieces to combine into gifts of great value by simply spending FiPoint for spins. Rewards may differ from every campaign.
#### Join the Lucky Wheel
**Step 1**: Access the **Redeem FiPoint** page from the homepage.
**Step 2**: Select Lucky wheel on the top of Reward Catalog screen.
**Step 3**: Select Spin. Each spin will request spending FiPoint.
**Step 4**: Waiting for reward delivery. Rewards are usually delivered within 5 minutes. Please note that with token and NFT reward, Fizen will cover the transaction fee. You will be notified once the rewards are delivered.
**Step 5**: If your reward is a puzzle piece, go to **Your reward** page to keep track of the number of pieces you own, send them to friends, or combine them if you have collected all. Fizen will give you 1 NFT of the gift once combined successfully and physical gifts. Please note that combining pieces will require winner verification by phone number and email.
#### Transfer gift piece to friends
**Step 1**: Select **Your reward** icon in the right-above of the Spin button.
**Step 2**: Select **Share** icon for the piece you want to send
**Step 3**: Choose your recipient. You can select from your contacts or recent activities, input or scan a wallet address.
**Step 4**: Confirm sending the piece
**Step 5**: The recipient will be notified once the piece is delivered.
# Saving
Source: https://docs.fizen.io/help-center/fizen-app/fipoint/saving
\*\*Withdraw \*\*
**Step 1**: Tap **Saving** on **Homepage**
**Step 2**: You will be prompted to My Savings screen once you have deposited the asset. Select the asset you want to withdraw
**Step 3**: Select **Withdraw** button
![]()
**Step 4**: You will be prompted to the Withdraw screen. Input withdraw amount.
**Step 5**: Select **Confirm**
**Step 6**: Wait for transaction to process. You will be notified once the withdrawal is completed.
***
# Send & Swap
Source: https://docs.fizen.io/help-center/fizen-app/fipoint/send-and-swap
**Swap**
TBD
***
# Fizen Super App
Source: https://docs.fizen.io/help-center/fizen-app/fizen-app
Your all-in-one crypto neobank — available on iOS and Android.
App Store
Google Play
***
## What's inside
USDT Visa card — spend at 150M+ merchants worldwide
Scan to pay with USDT at local merchants in SEA
Buy and sell crypto with local fiat currency
Swap tokens via KyberSwap & 1inch
Buy and send gift cards with crypto
Non-custodial crypto wallet
Earn and redeem points on every transaction
Invite friends and earn commission
***
Need help? Contact support via **in-app live chat** or email [cs@fizen.io](mailto:cs@fizen.io) — available 24/7.
# App Basics
Source: https://docs.fizen.io/help-center/fizen-app/fizen-app-basics
## How Fizen works
Fizen Super App combines a **non-custodial crypto wallet** with real-world payment tools — all in one mobile app.
Your crypto is stored in a blockchain wallet that only you control. You use it to pay for things directly: scan a QR code at a local shop, top up your Visa card, buy an eSIM, send money to a friend.
***
## Your wallet
Fizen uses a **non-custodial wallet** — meaning only you hold your private key. Fizen cannot access, freeze, or hold your funds.
When you set up the app, you receive a private key. Keep it safe — it's the only way to recover your wallet if you lose access.
* [Set up your wallet →](/help-center/fizen-app/wallet-and-account/set-up-wallet)
* [Reset wallet & export private key →](/help-center/fizen-app/wallet-and-account/reset-wallet-and-export-private-key)
***
## How crypto transactions work
Unlike bank transfers that go through a central database, crypto transactions are recorded on a **distributed blockchain network** — thousands of computers that all verify and store the same record simultaneously.
This makes transactions:
* **Transparent** — anyone can verify on-chain
* **Secure** — no single point of failure
* **Irreversible** — once confirmed, they cannot be undone
This is why you should always double-check wallet addresses before sending.
***
## Supported networks
Fizen supports multiple blockchain networks. For Fizen Card top-ups, use **Solana** (lowest fees, fastest confirmation).
Always make sure you're sending on the correct network. Sending USDT on the wrong network may result in permanent loss of funds.
# Fizen P2P
Source: https://docs.fizen.io/help-center/fizen-app/fizen-p2p
Buy and sell cryptocurrency using local fiat currency — directly within the Fizen app.
***
## How to buy crypto
Tap **Fizen P2P** on the homepage, or go to **Buy & Sell → Fizen P2P**.
Tap **Buy**, enter the fiat amount you want to spend. Select the cryptocurrency you want to receive. Exchange rates update every 30 seconds.
Fizen auto-fills your wallet address. You can change it or scan a QR code.
Review the details and swipe to confirm.
***
## How to sell crypto
Tap **Sell** in the Fizen P2P section.
Enter the crypto amount you want to sell and select your payout method.
Review and confirm. Fiat will be credited to your selected account.
Fizen always provides the best available exchange rate, updated in real time from providers.
# Gift Cards
Source: https://docs.fizen.io/help-center/fizen-app/giftcard
Buy gift cards with crypto and send them to anyone — all within the Fizen app.
***
## Buy a gift card
Go to the Gift Cards section and choose from available brands.
Select the cards you want and add them to your cart. You can buy multiple at once.
Select which crypto you want to pay with.
Confirm and pay. Your gift cards are ready instantly.
[Watch: How to buy multiple gift cards](https://www.youtube.com/watch?v=5iUZGkyR5oA)
***
## Send a gift card
Select **My Giftcard** on the homepage.
Long-press on a card or tap **Send gifts** to select multiple cards at once.
Select from contacts, recent activity, or enter/scan a wallet address.
Confirm the send. The recipient gets notified when the gift is delivered.
# Hide & Unhide NFT
Source: https://docs.fizen.io/help-center/fizen-app/manage-nfts/hide-and-unhide-nft
## Hide an NFT
Fizen App → Wallet → **NFTs**.
Hold down on the NFT you want to hide.
Tap **Hide** from the options menu.
## Unhide an NFT
Tap the filter or settings icon to show hidden NFTs.
Locate the NFT you want to restore.
The NFT reappears in your main collection.
# Manage NFTs
Source: https://docs.fizen.io/help-center/fizen-app/manage-nfts/manage-nfts
View, send, and manage your NFT collection in the Fizen app.
Transfer NFTs
Manage visibility
# Send & Receive NFTs
Source: https://docs.fizen.io/help-center/fizen-app/manage-nfts/send-and-receive-nfts
## Send an NFT
Fizen App → Wallet → **NFTs**.
Tap on the NFT you want to send.
Enter the recipient's wallet address or scan their QR code.
Review and confirm. Gas fees apply.
## Receive an NFT
Share your wallet address with the sender. Your NFT appears in the **NFTs** tab once the transaction confirms on-chain.
Always verify the sender before accepting NFT transfers. Malicious NFTs can be used in phishing attacks.
# P2P Commission
Source: https://docs.fizen.io/help-center/fizen-app/referral/p2p-commission
Earn commission automatically when friends you've referred complete P2P transactions.
| Level | Who | Commission |
| - | - | - |
| Level 1 | Your direct referrals | % of their P2P transaction fee |
| Level 2 | People referred by your referrals | Smaller % of their P2P transaction fee |
Commission is credited to your Fizen wallet automatically after each qualifying trade.
Check the **Referral** section in the app for your exact rates and earnings history.
# Refer Friends
Source: https://docs.fizen.io/help-center/fizen-app/referral/refer-friends
Share your Fizen referral code. You and your friend each get $10-equivalent eSIM credit, up to 10 friends, plus FiPoints and commission.
When a friend enters your personal referral code, both of you receive \$10 of eSIM credit. You can earn the inviter \$10 on up to 10 friends. After that, new friends still get their \$10. Amounts are promotional credit, not cash.
This is separate from the [in-app welcome credit](/help-center/fizen-esim/welcome-credit). A new friend who downloads the app from 19 August 2026 can still get the automatic \$10 welcome and the referral \$10.
New users get \$10 of eSIM credit automatically in the app. Your personal code adds \$10 more for each of you.
On the homepage, scroll down and select Invite Friends.
* Referral Code — copy and share (you can customize it by tapping Edit)
* Referral Link — copy and share directly
* QR Code — save or share the QR image
They install Fizen, create their first account, and enter your code, link, or QR. They do not need to visit fizen.io/esim for the in-app welcome.
They receive \$10. You receive \$10 (up to 10 times). If they are a new user from 19 August 2026, the automatic in-app welcome is added as well. FiPoints and commission continue as before.
Check Referral in the app for commission, FiPoints, and how many of your 10 eSIM inviter grants you have used. The cap counts referrals in the current campaign period, and only personal codes. Installs through promotional or company-issued links do not generate referral credit (your friend can still get the automatic in-app welcome).
In-app welcome, 30% cap, and campaign terms
# Referral Program
Source: https://docs.fizen.io/help-center/fizen-app/referral/referral
Invite friends to Fizen and earn $10-equivalent eSIM credit each, plus FiPoints and commission.
Invite friends to Fizen. You and your friend each get \$10 of eSIM credit when they enter your code, on top of FiPoints and commission. Promotional credit, not cash.
How to invite and earn eSIM credit
Commission on P2P trades
In-app welcome, referral, and the 30% cap
Download Fizen App and find your referral code
# Swap
Source: https://docs.fizen.io/help-center/fizen-app/swap
Swap tokens directly in the Fizen app using leading DEX aggregators — **KyberSwap** and **1inch**.
Currently available on **Android** only.
***
## How to swap
Find the Swap button on the main screen.
Select the wallet account and blockchain network for the swap.
Input the amount you want to swap and select the output token.
Check all details — token amounts, rates, fees — then confirm the transaction.
Swap rates are aggregated across multiple DEXs to give you the best available price.
# Adding More Accounts
Source: https://docs.fizen.io/help-center/fizen-app/wallet-and-account/adding-more-accounts
Create multiple accounts within the same wallet to separate funds or manage different purposes.
Open the Fizen app and tap **Wallet**.
Select **Add Account** or the **+** icon.
Give the account a name to identify it easily.
Your new account is ready with a unique wallet address. Switch between accounts from the selector at the top.
All accounts in one Fizen wallet share the same seed phrase. One backup covers all accounts.
# Import Token & NFT
Source: https://docs.fizen.io/help-center/fizen-app/wallet-and-account/import-token-and-nft-to-your-wallet
## Import a custom token
Open the Fizen app → **Wallet**.
Scroll to bottom → tap **Add Token** or **+**.
Paste the token contract address. Name and symbol auto-fill.
Tap **Add**.
## Import an NFT
Navigate to the **NFTs** tab in your wallet.
Enter the NFT contract address and token ID.
The NFT appears in your collection.
Make sure you're on the correct network before importing.
# Reset Wallet & Export Private Key
Source: https://docs.fizen.io/help-center/fizen-app/wallet-and-account/reset-wallet-and-export-private-key
## Export your private key
Open the Fizen app → **Settings** → **Security**.
Enter your PIN to authenticate.
Copy your private key and store it offline. Never share it.
***
## Reset your wallet
Resetting removes all data from the app. Make sure you have your **seed phrase or private key** before proceeding.
Find the Reset Wallet option.
Proceed only if you have your backup.
Re-import your 12-word seed phrase to restore access.
# Set Up Wallet
Source: https://docs.fizen.io/help-center/fizen-app/wallet-and-account/set-up-wallet
Get the app on [iOS or Android](https://fizen.io/app?accessCode=fizen\&utm_source=web\&utm_medium=fizen\&utm_campaign=app_download\&utm_content=docs\&aid=6a8573040a0aa1256a7e5935).
Open the app and tap **Create New Wallet**.
Write down your 12-word seed phrase and store it safely offline. **Never share it with anyone.**
Re-enter your seed phrase to confirm it's saved correctly.
Create a PIN to protect access on your device.
Your seed phrase is the only way to recover your wallet. If lost, funds cannot be recovered by anyone — including Fizen.
# Wallet & Account
Source: https://docs.fizen.io/help-center/fizen-app/wallet-and-account/wallet-and-account
Fizen uses a **non-custodial wallet** — only you hold your private key. Fizen cannot access, freeze, or recover your wallet.
Create your wallet
Manage multiple accounts
Backup or recover
Add custom tokens
# Wallet Connect
Source: https://docs.fizen.io/help-center/fizen-app/wallet-connect
Connect Fizen to external dApps using WalletConnect — scan a QR code or use the in-app browser.
***
## Method 1 — Scan QR Code
On the external device/browser, select **Connect Wallet → WalletConnect** to display the QR code.
Tap **Scan** in the Fizen app — accessible from homepage, wallet page, or token page.
Allow camera access when prompted.
Point your camera at the dApp's QR code.
Follow the prompts to confirm the connection.
***
## Method 2 — Fizen In-App Browser
Tap **Application → Browser** on the homepage and search for the dApp.
Select **Connect Wallet → WalletConnect → Select Wallet**.
Follow prompts to finish connecting.
# Add Fizen Card to Apple Pay & Google Pay
Source: https://docs.fizen.io/help-center/fizen-card/add-card-to-google-pay-apple-pay
How to add your Fizen Card to Apple Pay and Google Pay in a few taps, then tap to pay anywhere contactless is accepted.
Don't have a card yet? Apply in 5 minutes
***
## How to add your card
Go to the **Crypto Card** section.
Follow the in-app steps to add your card to your phone wallet.
Your Fizen Card is now available in Google Pay or Apple Pay. Tap your phone at any Visa terminal to pay.
***
## More info
* [How to add a card to Apple Pay](https://support.apple.com/en-us/HT204506)
* [How to add a card to Google Pay](https://support.google.com/wallet/answer/12058983?hl=en)
# How to Apply for a Fizen Card
Source: https://docs.fizen.io/help-center/fizen-card/apply-for-a-fizen-card
Create your Fizen Card in minutes: how to apply, what you need, and how to start topping up with USDT.
Start your application now
***
## How to apply
Download the [Fizen App](https://fizen.io/app?accessCode=fizen\&utm_source=web\&utm_medium=fizen\&utm_campaign=app_download\&utm_content=docs\&aid=6a8573040a0aa1256a7e5935) if you haven't already. Go to the **Crypto Card** section.
Select **Apply Card** and follow the prompts.
Submit your ID and personal details for verification.
* If you've already KYCed with Sumsub, enter your email for fast-track
* If you hold a passport from an [unsupported country](/help-center/fizen-card/unsupported-countries) but live in a supported one, submit proof of residency
**Important:**
* If you've completed **QR Pay KYC**, do NOT create a new account
* Use the same Fizen wallet that passed QR Pay KYC for your card KYC
You'll be notified via in-app push notification when your card is ready. Usually fast — check the app to confirm status.
Virtual card details are available immediately after approval. [Top up and start spending](/help-center/fizen-card/top-up-and-pay).
***
## From a restricted country?
If you're a citizen of a [restricted country](/help-center/fizen-card/unsupported-countries) but live abroad in a supported country, you can still apply. See [Exceptions for unsupported countries](/help-center/fizen-card/exceptions-for-unsupported-countries).
# Fizen Card Benefits
Source: https://docs.fizen.io/help-center/fizen-card/benefits
What you get with the Fizen Card: spend USDT worldwide, Apple Pay and Google Pay, virtual cards, and rewards through the FiPoint program.
Don't have a card yet? Apply in 5 minutes
***
## Spending Benefits
| Benefit | Detail |
| - | - |
| Top-up fee | Free (only gas fee applies) |
| Authorization fee (transactions under \$50) | First 10 free (\~\$5 waived) |
| QR Pay top-up | Free when topping up from QR Pay account |
| Monthly maintenance fee | Waived if spending ≥ \$500 in previous month |
| Apple Pay / Google Pay | ✅ Available |
| Coverage | 150M+ merchants, everywhere Visa is accepted |
***
## Travel Benefits
| Category | Benefit |
| - | - |
| eSIM *(coming soon)* | 12% discount |
| Airline Booking *(coming soon)* | 0.5% cashback |
| Gift Cards *(coming soon)* | Discount |
| Phone Top-up *(coming soon)* | Discount |
***
## Saving Benefits
| Category | Benefit |
| - | - |
| Fizen Earn USDT Vault *(coming soon)* | Target APR 60% — 5% APR bonus in USDT paid weekly |
***
## Support
| Category | Benefit |
| - | - |
| Customer support | Priority in-app chat, 24/7 |
# Unsupported Countries: Exceptions & How It Works
Source: https://docs.fizen.io/help-center/fizen-card/exceptions-for-unsupported-countries
How the Fizen Card handles exceptions for unsupported countries, and what to expect when paying merchants in those regions.
If you are a citizen of a [restricted country](/help-center/fizen-card/unsupported-countries) but **currently live in a supported country**, you may still be eligible for a Fizen Card.
***
## How it works
During KYC, select your **country of residency** (not your home country) and submit valid proof of residency.
**Accepted documents:**
* Residence permit / resident card
* Eligible long-term visa (where permitted)
* Local driver's license issued by your country of residence
* Other official government-issued residency documents (case-by-case)
Approval is subject to compliance checks. Fizen reserves the right to request additional documents or decline applications based on regulatory requirements.
***
## Step-by-step
Follow the standard card application process — just make sure to select your **country of residence** during verification, not your home country.
[View full application guide →](/help-center/fizen-card/apply-for-a-fizen-card)
Start your application
# Fizen Card FAQ
Source: https://docs.fizen.io/help-center/fizen-card/faq
Answers to common Fizen Card questions: fees, supported countries, declined payments, top-ups, Apple Pay, and virtual cards.
Frequently asked questions about Fizen Card — fees, limits, KYC, transactions, and more.
Contact support at [cs@fizen.io](mailto:cs@fizen.io) or via in-app live chat — available 24/7
***
## Getting Started
1. Download the [Fizen App](https://fizen.io/app?accessCode=fizen\&utm_source=web\&utm_medium=fizen\&utm_campaign=app_download\&utm_content=docs\&aid=6a8573040a0aa1256a7e5935) on iOS or Android
2. Open the app → go to **Crypto Card**
3. Tap **Apply Card**
4. Submit your information and complete KYC
5. Wait for approval — you'll be notified via push notification
6. Once approved, your virtual card is ready to use immediately
Make sure your wallet has at least **10 USDT/USDC** and enough **Solana tokens for gas fees** before applying.
The standard card creation fee is **\$9.99 per virtual card**.
Current promotion: the fee is **free for pre-registered users**. Check the app for the latest offers.
Fizen accepts government-issued photo ID, including:
* Passport
* National ID / CCCD
* Resident permit / resident card
* Driver's license (issued by your country of residence)
Make sure your photo is clear and all details are readable. Blurry or mismatched documents will cause KYC to fail.
Common causes:
* Information entered doesn't match your uploaded document
* Photo is blurry or not properly captured
* Incorrect postal code
Try again with a clear photo and accurate information. If the issue persists, contact support with the email address you used to register.
You can create up to **100 virtual cards per KYC verification**. Only one KYC is required.
Each card has a unique card number, expiry, and CVV.
Yes — if you are a citizen of a [restricted country](/help-center/fizen-card/unsupported-countries) but **currently live in a supported country**, you may still apply.
During KYC, select your **country of residence** (not your home country) and submit valid proof of residency such as a resident permit, long-term visa, or local driver's license.
See: [Exceptions for unsupported countries](/help-center/fizen-card/exceptions-for-unsupported-countries)
***
## Fees & Limits
| Fee | Amount |
| - | - |
| Virtual Card Creation | \$9.99 (free for pre-registered users) |
| Monthly Maintenance | $0 if spending ≥ $500/month; \$1.50 if under |
| FX Fee (non-USD payments) | 1% |
| Crypto → Fiat Conversion | 0.5% |
| Small Transaction Fee (under \$50) | \$0.50 |
| Close Card Fee | \$2.00 |
| ATM Withdrawal (physical card) | $2 + 1.5% (first $200/month free) |
Some fees may be waived. See [Benefits](/help-center/fizen-card/benefits) for details.
Depositing USDT or USDC from your Fizen Solana Wallet to your Fizen Card is **free**.
You only pay the standard Solana network gas fee, which is typically a fraction of a cent.
| | Limit |
| - | - |
| Minimum per transaction | 10 USDT/USDC |
| Maximum per transaction | 50,000 USDT/USDC |
| Type | Limit |
| - | - |
| Per transaction | \$150,000 |
| Daily spending | \$1,000,000 |
| Monthly spending | \$1,000,000 |
| ATM daily withdrawal | \$100,000 |
| ATM monthly withdrawal | \$200,000 |
| ATM daily count | 3 transactions |
| ATM monthly count | 30 transactions |
No. Fizen does not charge a fee for declined transactions.
***
## Topping Up
1. Open Fizen App → **Crypto Card**
2. Tap **Top Up**
3. Choose your method:
* **From Fizen Wallet** — transfer USDT/USDC directly (gas fee applies)
* **From QR Pay account** — transfer from your QR Pay balance for free
Your card balance updates instantly or within a few minutes depending on network conditions.
Currently supported:
* **USDT** on Solana
* **USDC** on Solana
More networks are being added regularly.
Check that your wallet has:
* At least **10 USDT/USDC**
* Enough **Solana tokens (SOL)** to cover the gas fee
If both are sufficient and you still can't top up, contact support.
***
## Using Your Card
Anywhere **Visa is accepted** — 150M+ merchants worldwide, online and in-store. This includes platforms like Meta Ads, Google Ads, TikTok Ads, Amazon, and most global e-commerce and subscription services.
Yes. Fizen Card works globally wherever the Visa network is supported. Local currency transactions are converted at real-time FX rates (1% FX fee applies for non-USD payments).
Yes. You can add your Fizen Card to both Google Pay and Apple Pay. Go to **Crypto Card** in the app and follow the steps to add your card.
Yes. Fizen Card is 3DS-enabled. When a 3DS prompt appears, open the Fizen app — it will automatically pop up the 3DS frame. Tap **Approve** to complete verification.
This depends on the platform. Most platforms (including Meta) refund verification charges immediately. Google Ads may charge a small amount that is refunded once the card is verified.
If the refund doesn't appear within 15 minutes, contact support with your transaction ID.
Each platform has its own risk policies. If you're using a US-issued USD card on a platform that charges in a different currency, the transaction may be declined — this is a platform restriction, not a card issue.
Check what currency the platform charges in, and whether it supports US-issued Visa cards.
This is caused by exchange rate fluctuations during settlement. The initial charge is based on the rate at the time of payment. When the transaction settles, if the rate has changed slightly, the difference is automatically adjusted.
This is normal — it's not a duplicate charge. To investigate a specific transaction, provide your transaction ID to support.
Log in to the merchant's platform and cancel the subscription from there, or contact the merchant's customer service directly. Fizen cannot cancel subscriptions on your behalf, as subscriptions are agreements between you and the merchant.
**Tip:** Avoid enabling auto-subscriptions unless necessary — too many failed subscription charges can trigger risk controls.
1. Check the merchant details — it may be an auto-subscription you forgot about
2. Check if you signed up for a free trial that converted to a paid plan
3. Confirm whether you've shared card details (number, expiry, CVV) with anyone
4. Contact the merchant to clarify the charge and request a refund if needed
If you believe the card has been compromised, **freeze or close the card immediately** from the app.
1. Open the app → **Crypto Card**
2. Go to **Transaction History**
3. Select the transaction you want
4. Find the **Transaction ID** in the details
***
## Card Management
Open the Fizen App → **Crypto Card** → select your card. Full card details are displayed in the card management section.
Go to **Crypto Card** in the app → select the card → tap **Freeze**. A frozen card cannot be used for new transactions but will still receive refunds and incoming funds.
You can unfreeze the card at any time from the same screen.
Go to **Crypto Card** → select the card → tap **Close Card**.
**Important:**
* Closing a card is **permanent and irreversible**
* The \$2 close card fee is non-refundable
* Any remaining balance on the card **will not be refunded**
* Please withdraw your balance before closing
No. Once a card is closed, it cannot be restored. You will need to apply for a new card.
Cards may be closed automatically if:
* The card has been inactive for an extended period and has accumulated 3 months of unpaid maintenance fees
Make sure to maintain at least $500/month in spending to have the monthly fee waived, or keep a small balance to cover the $1.50/month fee.
Act immediately:
1. Open the app → **Crypto Card**
2. **Freeze** the card right away to block new transactions
3. If you believe the card is compromised, **close it**
4. Contact support at [cs@fizen.io](mailto:cs@fizen.io)
Do not share your card number, expiry date, or CVV with anyone.
If a merchant has confirmed a refund, it will be automatically returned to your card once the card network processes the settlement. Estimated time: **30–60 days** depending on the merchant and network.
***
## Security
Yes. Fizen is a direct card issuing partner of Visa. All cards issued by Fizen are original cards opened using the user's own verified identity documents. Fizen does not issue or sell stolen or third-party cards.
Fizen Card uses a **US bank BIN (CBW Bank, USA)**. This gives the card high trust and stability on major platforms including Meta Ads, Google Ads, and TikTok Ads.
No. Fizen Card does not hold or freeze your funds. What you load, you can spend — immediately.
Fizen uses an independent blockchain wallet system. Your funds are held in a non-custodial wallet — separate from Fizen's platform and management systems. This means only you control your private keys.
From your master wallet, you can distribute funds across multiple cards without any conversion fee.
# Fizen Card Fees & Limits
Source: https://docs.fizen.io/help-center/fizen-card/fees-and-limitations
Fizen Card fees and limits explained: card issuance, monthly maintenance, FX and conversion fees, transaction limits, and ATM withdrawals. The full Fizen Card fee reference.
Don't have a card yet? Apply in 5 minutes
***
## Fees
| Fee | Standard | Applicable Now |
| - | - | - |
| Virtual Card Issuance | \$9.99 | Free for pre-registered users |
| Monthly Maintenance (active card) | $0 if spending ≥ $500 / \$1.50 if under | Free (first month) |
| FX Fee (non-USD payments) | 1% | 1% |
| Crypto → Fiat Conversion | 0.5% | 0.5% |
| Small transaction fee (under \$50) | \$0.50 | \$0.50 |
| Close Card Fee | \$2.00 | \$2.00 |
| ATM Withdrawal (physical card) | \$2 + 1.5% | Free first withdrawal up to \$200/month |
The \$0 FX fee applies to payments billed in USD. Payments billed in a non-USD currency have a 1% FX fee.
Some fees may be waived based on your [card benefits](/help-center/fizen-card/benefits).
***
## Spending Limits
| Type | Limit |
| - | - |
| Per transaction | \$150,000 |
| Daily spending | \$1,000,000 |
| Monthly spending | \$1,000,000 |
| ATM daily withdrawal | \$100,000 |
| ATM monthly withdrawal | \$200,000 |
| ATM daily count | 3 transactions |
| ATM monthly count | 30 transactions |
# Fizen Card
Source: https://docs.fizen.io/help-center/fizen-card/fizen-card
Fizen Card is your Visa prepaid card funded directly with USDT. Load crypto, spend anywhere Visa is accepted — online, in-store, tap-to-pay, or via Google Pay and Apple Pay.
Virtual card issued instantly — takes 5 minutes
***
## Guides
Step-by-step application
Load USDT and start spending
Add to your phone wallet
Freeze, unfreeze, view balance
Spending, travel & saving perks
Full fee schedule
# Manage Your Fizen Card
Source: https://docs.fizen.io/help-center/fizen-card/manage-card
Freeze, unfreeze, view details, and manage your Fizen Card and virtual cards from the Fizen app.
Don't have a card yet? Apply in 5 minutes
***
## What you can manage
From the **Crypto Card** section in the Fizen app:
* **Card details** — view card number, expiry, and CVV
* **Freeze / Unfreeze** — instantly lock your card if lost or not in use
* **Transaction history** — full record of every spend
* **Balance** — view current USDT balance on your card
* **Multiple cards** — manage up to 200 cards from one account
***
## Need help?
Contact support via **in-app live chat** or email [cs@fizen.io](mailto:cs@fizen.io). Support is available 24/7.
# How to Top Up & Pay with the Fizen Card
Source: https://docs.fizen.io/help-center/fizen-card/top-up-and-pay
Top up your Fizen Card with USDT and pay at 160 million Visa merchants online and in store. Step-by-step top-up and payment guide.
Don't have a card yet? Apply in 5 minutes
***
## How to top up
Go to the **Crypto Card** section in the app.
**From your QR Pay account** — transfer funds directly from your QR Pay balance to your Card account.
**From your Fizen Wallet** — deposit USDT or USDC from your non-custodial Fizen Wallet (you'll need native token for gas fee).
Your card balance updates instantly or within a few minutes depending on network conditions.
***
## Supported assets
| Asset | Network |
| - | - |
| USDT | Solana |
| USDC | Solana |
More networks added regularly.
***
## How to pay
Once topped up, use your Fizen Card like any Visa card:
* **Online** — enter card number, expiry, CVV at checkout
* **In-store** — tap to pay (NFC), chip & PIN, or swipe
* **Google Pay / Apple Pay** — [add your card](/help-center/fizen-card/add-card-to-google-pay-apple-pay) and tap your phone
Your USDT balance is automatically converted to the local currency at real-time FX rates.
# Fizen Card Supported & Unsupported Countries
Source: https://docs.fizen.io/help-center/fizen-card/unsupported-countries
Where the Fizen Card works and the countries it does not support. Check availability before you create a card.
Fizen Card is not available in the countries below due to regulatory or operational restrictions.
**Living abroad?** If you're a citizen of a restricted country but currently live in a supported country, you may still be eligible. See [Exceptions for unsupported countries](/help-center/fizen-card/exceptions-for-unsupported-countries).
***
## Unsupported countries
| Country | ISO |
| - | - |
| Afghanistan | AF |
| Belarus | BY |
| Burkina Faso | BF |
| Burundi | BI |
| Cameroon | CM |
| Central African Republic | CF |
| China (Mainland) | CN |
| Congo | CG |
| Croatia | HR |
| Cuba | CU |
| Democratic Republic of the Congo | CD |
| Eritrea | ER |
| Guinea-Bissau | GW |
| Haiti | HT |
| India | IN |
| Iran | IR |
| Iraq | IQ |
| Jamaica | JM |
| Lebanon | LB |
| Liberia | LR |
| Libya | LY |
| Mali | ML |
| Montenegro | ME |
| Mozambique | MZ |
| Myanmar | MM |
| Nicaragua | NI |
| North Macedonia | MK |
| Russian Federation | RU |
| Rwanda | RW |
| Senegal | SN |
| Serbia | RS |
| Sierra Leone | SL |
| Slovenia | SI |
| Somalia | SO |
| South Sudan | SS |
| Sudan | SD |
| Syria | SY |
| Ukraine | UA |
| Venezuela | VE |
| Yemen | YE |
| Zimbabwe | ZW |
| Bosnia and Herzegovina | BA |
# Paying by Card, Apple Pay or Google Pay
Source: https://docs.fizen.io/help-center/fizen-esim/card-payments
Which cards work for Fizen eSIM checkout, which cards can't be used, and what to do if your card is declined.
Card, Apple Pay and Google Pay payments for Fizen eSIM are processed by **Stripe**, a global payment provider. Your card details are encrypted and handled by Stripe. Fizen never stores your card number.
Most cards go through first time. When one doesn't, the reason is almost always the card itself: where it was issued, which network it runs on, or a setting in your banking app. This page helps you pick a card that works.
***
## Cards that work best
Before you pay, check that your card is:
Checkout accepts **Visa** and **Mastercard**, both credit and debit. Other card brands may not be accepted.
Some bank cards only run on a local network inside one country. Those can't pay an international merchant online. Example: a Vietnamese ATM card that only works on the Napas network. Look for the Visa or Mastercard logo on the card.
Many banks switch off online, card-not-present or international payments by default. Open your banking app and turn them on before checkout.
Your bank may ask you to confirm the payment with a one-time code or in its app (3D Secure). Keep your phone and banking app at hand, and don't close the Fizen App while you confirm.
Plans are priced in USD. If your card is in another currency, your bank may add a foreign transaction fee. A card with no foreign transaction fees keeps the price exactly as shown.
***
## Cards that can't be used
Stripe follows international sanctions and card network rules, so some cards can't be charged at all, however many times you try. Per [Stripe's guidance on sanctions](https://support.stripe.com/questions/sanctions-on-russia-and-belarus) and its [list of prohibited jurisdictions](https://stripe.com/legal/restricted-businesses):
| Card or payment | Why it fails |
| - | - |
| Cards issued by banks in **Russia** | Major card networks no longer serve Russian banks, so these payments are unlikely to succeed |
| **Mir** cards | Stripe doesn't support the Mir payment system |
| Cards from sanctioned **Russian or Belarusian** banks | Stripe won't process payments involving these banks |
| Cards or payments linked to **Cuba, Iran, North Korea, Syria**, or the **Crimea, Donetsk and Luhansk** regions | Prohibited jurisdictions for Stripe |
| Domestic-only cards without Visa or Mastercard | They can't be used for international online payments |
Every payment method, USDT included, remains subject to applicable sanctions laws and the [Fizen Terms of Use](/information/terms-of-use), which don't allow the use of Fizen by sanctioned persons.
***
## Apple Pay and Google Pay
Apple Pay and Google Pay are the fastest way to check out. You don't type any card details.
* **They charge the card saved in your wallet.** The same card rules apply: if a card can't be used on its own, it won't work through Apple Pay or Google Pay either.
* **Apple Pay** appears on iPhone and iPad when a card is set up in Apple Wallet.
* **Google Pay** appears on Android when a card is set up in Google Wallet.
* **Availability depends on your bank and country.** If you don't see the option, your bank may not support it. Pay by card instead.
![Payment method selector with Card and Apple Pay options]()
***
## Card declined? Try this
Make sure it's a Visa or Mastercard issued outside the restricted list above.
Enable them in your banking app, then try again.
Complete the one-time code or in-app approval from your bank. If the prompt timed out, start checkout again.
Some cards have a separate daily limit for online payments.
Several failed attempts in a row can make your bank block the card temporarily as a fraud precaution.
Try a different Visa or Mastercard, or Apple Pay or Google Pay with another card saved.
Declines are decided by the bank or card network that issued your card. Your bank can tell you the exact reason and lift a block.
You can also pay with **USDT** from your Fizen wallet balance. USDT payments don't run through card networks, so none of the card rules above apply to them.
***
## Common questions
No. A declined payment isn't charged. Your bank may briefly show a pending authorization, which it releases on its own, usually within a few business days depending on the bank.
No. Card details are encrypted and handled by Stripe. If you turn on **Save card for future purchases**, Stripe keeps the card securely so your next checkout is one tap.
Often yes, if it's a Visa or Mastercard enabled for international online payments. Some prepaid and virtual card issuers decline these payments, so check with your card provider if it doesn't go through.
Open the **in-app live chat** with a screenshot of the error and the card brand you tried (never send your full card number). A real person will help you.
# Check Your Data Balance
Source: https://docs.fizen.io/help-center/fizen-esim/check-data-balance
See how much data you've used and what's left on your Fizen eSIM, right on the eSIM details screen.
## Check in the app
From the home screen, tap **eSIM**.
You'll see every eSIM you own. Tap the one you're using.
The eSIM details screen shows **Data used** right at the top, e.g. `500MB / 5GB`, so you instantly know how much you've spent and how much is left.
The same screen also shows everything else about your plan:
* **Plan summary** — daily allowance, duration, and type (e.g. 1 GB/day · 7 days · Data only)
* **Expiry date** — when the plan stops working
* **Coverage** and **Package details** — countries and full plan terms
* **ICCID** (under Manual installation) — the number support may ask for
Usage stats can take a few minutes to sync. Your phone's built-in data counter measures the whole line since it was last reset, so it usually won't match the plan balance exactly. The app is the accurate source.
***
## Running low?
Tap **Buy another eSIM** at the bottom of the same screen, or pick a new plan from the **eSIM** home tab. Most plans currently don't support topping up an existing eSIM, so your new plan comes as a **new eSIM** — install it with the one-click activation link, the same way as your first one.
Buy and install the new eSIM **before** the old plan runs out and you'll stay connected the whole time, no gap, no hunting for Wi-Fi.
***
## Make your data last longer
* Turn off **background app refresh** and **auto-updates** while traveling
* Watch **hotspot sharing**, it drains a plan faster than anything else
* Set video streaming apps to lower quality on mobile data
* Maps work offline: download your city's map on hotel Wi-Fi first
## Keep reading
* [How much eSIM data do you need for a trip?](https://blog.fizen.io/how-much-esim-data-do-you-need-2026/)
* [Buy more data: plans and prices](https://fizen.io/esim/pricing)
# eSIM FAQ
Source: https://docs.fizen.io/help-center/fizen-esim/faq
Quick answers about Fizen eSIM — phone numbers, hotspot, buying more data, validity, and more.
No — Fizen eSIMs are **data-only**. You keep your regular number active on your physical SIM for calls and SMS, and use the eSIM for internet. WhatsApp, Telegram, and iMessage keep working with your existing number.
Your choice: **USDT** straight from your Fizen wallet balance, **Card (Visa/Mastercard)**, or **Apple Pay / Google Pay** for one-tap checkout. Card payments are processed by Stripe; Fizen never stores your card number. No bank account required for the USDT route.
Usually because of the card, not the plan. Checkout accepts international Visa and Mastercard cards turned on for online and overseas payments. Domestic-only cards, Mir cards, cards issued by banks in Russia, and cards from sanctioned banks or prohibited regions can't be charged. Apple Pay and Google Pay follow the same rules as the card saved in the wallet. Full checklist: [Paying by Card, Apple Pay or Google Pay](/help-center/fizen-esim/card-payments).
Install **shortly before departure** on a stable connection, ideally a trusted Wi-Fi network. Installing after arrival can fail because of provider restrictions or public Wi-Fi limitations.
One important exception: if you bought a **regional or global plan that also covers the country you're in now**, don't turn it on early. Keep the eSIM line **off** and unselected for mobile data until you reach your destination — connecting to a supported network can start the plan's validity period and data usage.
For most plans, validity starts when the eSIM **first connects to a supported network** — not at purchase. The exact activation policy can vary by plan, so check your plan's **Package details**. Buy days ahead and install before you fly, but keep the line off until you need it if your plan covers the country you're departing from.
Check that you're in a covered destination, the eSIM line is **turned on** and **selected for mobile data**, and **Data Roaming** is on for the eSIM. Then toggle **Airplane Mode for 30 seconds** or restart your device. Still nothing? Check the **APN and network instructions** in your plan, follow the full [troubleshooting checklist](/help-center/fizen-esim/troubleshooting), or contact Fizen Support in the app.
**Whatever you do, don't delete the eSIM** — a deleted eSIM can't be reinstalled, but a "not working" one can almost always be fixed.
No. Each eSIM works on **one device only**. Install it on the device you'll actually use for your trip — once activated, it can't be transferred to another device.
Most plans support hotspot/tethering, but it depends on the plan — check the **Package details** before buying if hotspot matters to you. Keep in mind that sharing drains your data allowance faster.
Buy a new plan in the Fizen App in a few taps. Most plans currently don't support topping up an existing eSIM, so the new plan comes as a **new eSIM to install** — with one-click activation that takes about a minute. Check your remaining balance anytime in **eSIM → My eSIMs** ([guide](/help-center/fizen-esim/check-data-balance)) and buy before you run out so you stay connected.
Yes, with a **regional plan** — one package covers every country in the region (e.g. Europe, Asia). Single-country plans work only in that country.
Usually, yes. If you bought the wrong country, your trip got cancelled, your phone turned out not to support eSIM, or you simply changed your mind, a **not-yet-installed** eSIM on a refundable plan can be returned for a flat **\$1** processing fee — our agent confirms the refund method based on how you paid. Refund eligibility depends on the plan: check **Package details**, or message the **in-app live chat** with your Order ID and we'll confirm. Details: [1:1 Trip Guarantee & Refunds](/help-center/fizen-esim/trip-guarantee).
Not for a change of mind. Installing an eSIM consumes it, so an installed eSIM can't be returned if you bought the wrong country or plan, or installed it on the wrong phone. That's why it's worth checking the destination, the plan and your device before you install.
A **faulty** installed eSIM is a different case and it is covered: once support confirms the fault, you get a free 1-for-1 replacement or a refund for the days you couldn't use. See the [1:1 Trip Guarantee](/help-center/fizen-esim/trip-guarantee).
Check before you install — the Fizen App has a device compatibility check, and dialling `*#06#` shows whether your phone has an EID. If your device can't take the eSIM and you **haven't installed it**, return it for a refund minus the \$1 fee. Note that a model can appear on our reference list and still not work, for example a carrier edition, a market variant, a managed work phone, or a modified device — see [Supported Devices](/help-center/fizen-esim/supported-devices).
A deleted eSIM can't be reinstalled from your side. Contact support via the **in-app live chat** with your Order ID — we'll review your case and help recover any unused data where possible.
Yes, if your device supports **Dual SIM** and is carrier-unlocked. Use the Fizen eSIM for mobile data and keep your regular SIM active for calls and texts. To avoid surprise roaming charges: turn **off Data Roaming for your regular SIM** and disable **Cellular Data Switching** (iOS: Settings → Cellular → Cellular Data). Note your home carrier may still charge for calls or texts you make abroad.
Rough guide: maps + messaging ≈ 0.5 GB/day, social media + photos ≈ 1 GB/day, video calls + streaming ≈ 2+ GB/day. When in doubt, take the bigger plan — the per-GB price drops as plans get bigger.
Question not answered here? The **in-app live chat** connects you straight to a real person, not a bot.
## Keep reading
* [Buy an eSIM with USDT: the complete guide](https://blog.fizen.io/fizen-esim-complete-guide/)
* [One eSIM for a Japan and South Korea trip](https://blog.fizen.io/esim-for-japan-and-south-korea-trip-2026/)
* [The best eSIM setup for digital nomads](https://blog.fizen.io/best-esim-for-digital-nomads-2026/)
* [Compare plans and prices on fizen.io](https://fizen.io/esim/pricing)
# Fizen eSIM
Source: https://docs.fizen.io/help-center/fizen-esim/fizen-esim
New users from 19 August 2026 get \$10 of promotional credit automatically in the app
Purchase and one-click activation
Which cards work, and fixes for a declined card
Check if your phone supports eSIM
Install by QR or activation code
See what's left and buy more in time
No internet? Fix it in 2 minutes
Free 1-for-1 replacement or refund
Hotspot, phone number, buying more data & more
Browse destinations on fizen.io/esim
## Keep reading
* [Buy an eSIM with USDT: the complete guide](https://blog.fizen.io/fizen-esim-complete-guide/)
* [How much eSIM data do you need for a trip?](https://blog.fizen.io/how-much-esim-data-do-you-need-2026/)
* [eSIM vs pocket WiFi vs local SIM: which is best?](https://blog.fizen.io/esim-vs-pocket-wifi-vs-sim-card-2026/)
* [Compare plans and prices on fizen.io](https://fizen.io/esim/pricing)
# How to Buy an eSIM
Source: https://docs.fizen.io/help-center/fizen-esim/how-to-buy-an-esim
Buy a Fizen eSIM with USDT or card, and activate it in one click.
**Buy before you fly.** Install your eSIM shortly before departure on trusted Wi-Fi, so you're connected the moment you land. If your regional/global plan also covers the country you're in now, install it but keep the line **off** until you arrive — connecting early can start the plan's validity.
## Purchase
**Check your phone first.** Use the device check in the app's eSIM section, or dial `*#06#` to see if you have an EID. It matters: an eSIM you haven't installed can still be returned, but once installed it can't. See [Supported Devices](/help-center/fizen-esim/supported-devices).
Go to the home screen and tap **eSIM**.
Type the country name. You'll see available data plans with pricing. Regional plans cover multiple countries in one package.
Pick based on data amount, validity period, and coverage area.
**Pay with USDT** straight from your Fizen wallet balance. No card or bank account needed.
![Fizen wallet showing a USDT balance ready to pay for an eSIM]()
**Or pay by card:** choose **Card (Visa/Mastercard)**, or **Apple Pay / Google Pay** for fast checkout with the cards already saved on your phone. Confirm, and you're done.
![Payment method selector with Card and Apple Pay options]()
Paying by card for the first time? Enter the details once and turn on **Save card for future purchases**. After that it's one tap:
![Add a new card sheet with name, number, expiry, CVV fields]()
Card details are encrypted and handled by our payment provider (Stripe). Fizen never stores your card number. Not every card can be used. See [which cards work and what to do if yours is declined](/help-center/fizen-esim/card-payments).
***
## Activate in one click
**No QR codes. No manual setup.** After purchase, you receive an activation link — tap it once and your eSIM installs itself.
Right after purchase, you'll get the link via in-app notification and email. Open it on the phone you want the eSIM on.
Your phone asks to add the eSIM — tap **Allow / Add**. That's it, the eSIM is installed.
When you land, enable **Data Roaming** for your eSIM line in **Settings → Cellular/Mobile**.
![eSIM line settings with Turn On This Line and Data Roaming enabled]()
Most eSIMs activate within 1–2 minutes. Some destinations may take up to 10 minutes.
***
## Manual installation (optional)
Installing the eSIM on a different phone than the one you bought it on, or prefer QR / activation-code entry? Follow the step-by-step guide for your phone brand:
iOS, Samsung, Pixel, Xiaomi, Oppo, Vivo, Honor, Huawei & more
## Keep reading
* [How to buy a travel eSIM with crypto (USDT)](https://blog.fizen.io/buy-esim-with-crypto-usdt-2026/)
* [Get \$10 eSIM welcome credit in the app](/help-center/fizen-esim/welcome-credit)
* [Compare plans and prices on fizen.io](https://fizen.io/esim/pricing)
# Manual Installation
Source: https://docs.fizen.io/help-center/fizen-esim/manual-installation
Install your Fizen eSIM by QR code or by entering the activation code manually — step-by-step for iOS and every Android brand.
Most users don't need this page — the [one-click activation link](/help-center/fizen-esim/how-to-buy-an-esim#activate-in-one-click) installs everything automatically. Use manual installation when you're installing the eSIM on a different phone than the one you bought it on (each eSIM still works on **one device only**), the link doesn't open, or you prefer QR/code entry.
Your **QR code**, **SM-DP+ Address**, and **Activation Code** are all on the **eSIM detail screen** in the Fizen App, and in your confirmation email.
### Via QR code
![iOS Settings with Cellular highlighted]()
![Cellular screen with Add eSIM highlighted]()
![Set Up Cellular screen with Use QR Code highlighted]()
You'll need the QR code displayed on another screen or printed out, so this phone's camera can scan it. (The eSIM still installs on this phone only.)
![iOS camera scanning an eSIM QR code]()
![Activating eSIM progress screen]()
![Cellular Plan Label screen]()
![eSIM line settings with Data Roaming enabled]()
### Enter details manually
Same path as the QR flow (screens 1–3 above).
![Scan screen with Enter Details Manually link at the bottom]()
Copy both from the eSIM detail screen in the Fizen App, then tap **Next**.
![Enter Activation Details screen with SM-DP+ Address and Activation Code fields]()
Same as screens 5–7 in the QR flow above.
If you can't connect after installing, configure the **Cellular Data Network APN** settings:
![iOS Cellular Data APN settings screen]()
### Via QR code
![Samsung Connections screen with SIM manager highlighted]()
![Add eSIM screen with Scan QR code highlighted]()
![Scan QR code screen]()
![Fizen eSIM download confirmation screen]()
![Downloading eSIM progress screen]()
![eSIM added confirmation screen]()
### Enter code manually
### Via QR code
### Enter code manually
The screens look very similar to the Samsung flow pictured in the Samsung tab: scan → download → done.
### Via QR code
### Enter code manually
The screens look very similar to the Samsung flow pictured in the Samsung tab: scan → download → done.
### Via QR code
### Enter code manually
The screens look very similar to the Samsung flow pictured in the Samsung tab: scan → download → done.
### Via QR code
### Enter code manually
The screens look very similar to the Samsung flow pictured in the Samsung tab: scan → download → done.
### Via QR code
![Add eSIM screen with Scan QR code option]()
![Scan QR code screen]()
![eSIM download confirmation screen]()
![eSIM added confirmation screen]()
### Enter code manually
***
## After installing
Enable **Data Roaming** for the eSIM line and set it as your **mobile data** line when you arrive. Not connecting? Run the [2-minute troubleshooting checklist](/help-center/fizen-esim/troubleshooting) — and remember every plan is covered by the [1:1 Trip Guarantee](/help-center/fizen-esim/trip-guarantee).
## Keep reading
* [Which phones support eSIM: the complete list](https://blog.fizen.io/which-phones-support-esim-in-2026-the-complete-compatibility-list/)
* [Use an eSIM and a physical SIM together (dual SIM)](https://blog.fizen.io/can-you-use-esim-and-physical-sim-dual-sim-2026/)
* [Get a Fizen eSIM on fizen.io](https://fizen.io/esim)
# Supported Devices
Source: https://docs.fizen.io/help-center/fizen-esim/supported-devices
Check whether your phone supports eSIM before you buy — with the in-app device check, the *#06# dial code, and a reference list of known eSIM-capable models.
**Check your own phone before you buy — the list below is a reference, not a guarantee.** eSIM support is decided by your device's manufacturer and carrier, and it changes over time. A model can appear on this list and still not accept an eSIM (see [why](#why-a-listed-model-can-still-fail) below). The reliable answer always comes from the device in your hand.
## Check your device in 3 ways
The eSIM section of the app includes a compatibility check. It's the quickest way to see whether your phone can take a Fizen eSIM before you pay.
Open the Dialer app and dial `*#06#`. If an **EID** barcode with a 32-digit number appears, your device has eSIM hardware.
**iOS:** Settings → General → About → look for the **EID** field.
**Android:** Settings → About Phone → Status information (or SIM status) → look for **EID**.
Hardware isn't the whole story — the phone must also be **carrier-unlocked**. See [Carrier lock check](#carrier-lock-check) below.
***
## Why a listed model can still fail
The same model is not the same everywhere. A device can match the reference list and still be unable to install an eSIM because:
* **Market variant** — the version sold in one country ships with eSIM, while the version of the same model sold in another country doesn't.
* **Carrier edition** — phones sold bundled by a mobile operator may have eSIM disabled, or be SIM-locked to that operator.
* **Firmware and policy changes** — manufacturers and carriers change firmware, activation policies and device whitelists at any time, without notifying eSIM providers.
* **Managed devices** — company or school phones under MDM or an enterprise policy often block adding an eSIM.
* **Modified or repaired devices** — jailbroken, rooted, unlocked-by-third-party or repaired phones with replaced parts may no longer accept eSIM, even when the model is listed.
This is exactly why it pays to check first: an eSIM you **haven't installed** can be returned (minus the \$1 fee, where the plan is refundable), but once it's installed it can't. See [1:1 Trip Guarantee & Refunds](/help-center/fizen-esim/trip-guarantee).
***
## Reference list of eSIM-capable models
Known eSIM-capable models at the time of writing. Treat it as a starting point and confirm with the checks above.
| Brand | eSIM-capable models |
| - | - |
| **Apple — iPhone** | iPhone XS / XS Max / XR and all newer models (11 → 17 series, iPhone Air, SE 2020 / SE 2022) |
| **Apple — iPad** | iPad (7th gen+) · iPad Air (3rd gen+) · iPad Pro 11" (1st gen+) · iPad Pro 12.9" (3rd gen+) · iPad Mini (5th gen+) — Wi-Fi + Cellular models only |
| **Samsung** | Galaxy S20 → S25 series (incl. S25 Slim / Edge) · Note 20 series · Galaxy Fold / Z Fold 1–6 / Z TriFold · Z Flip → Flip 6 · A56 / A55 5G / A54 5G / A36 / A35 5G / A23 5G / A17 · S23 FE / S24 FE · XCover7 Pro |
| **Google Pixel** | Pixel 2 and all newer models (incl. a-series, XL, Fold) |
| **Motorola** | Moto G (2024 / 2025) / G Power (2024) / G Stylus 5G · G34 → G86 · Edge (2022–2024) / Edge+ · Edge 40 / 50 / 60 series · ThinkPhone 25 · Razr 2019 → Razr Ultra (2025) incl. Razr 40 / 50 / 60 series |
| **Xiaomi** | Xiaomi 15 / 15 Ultra / 15T series · 14 / 14T series · 13 / 13T / 13 Lite series · 12T Pro · Redmi Note 14 Pro series / Note 13 Pro / Note 13 Pro+ / Note 11 Pro 5G · Poco X7 / F8 Pro / F8 Ultra |
| **Oppo / Realme** | Find N2 Flip / Find N5 · Find X9 / X8 / X5 / X3 series · Reno 15 / 15 Pro / 15 Pro Max / 15 FS / Reno14 / Reno14 Pro · Watch X2 Mini · Realme 14 Pro+ |
| **Vivo** | X300 / X300 Pro · X200 series (incl. FE / s / T) · X100 Pro / X90 Pro · V50 / V40 / V40 Lite (Europe) / V29 (Europe & LatAm) / V29 Lite 5G (Europe) · iQOO 15 · Watch 5 |
| **Honor** | HONOR 400 / 400 Pro / 400 Lite / 200 / 200 Pro / 90 · Magic8 Pro Air / Magic7 Pro / Magic7 Lite / Magic6 Pro / Magic6 Pro RSR / Magic5 Pro / Magic4 Pro · Magic V3 / V2 / Vs3 |
| **Huawei** | P40 / P40 Pro · Mate 40 Pro |
| **Sony** | Xperia 1 VII / VI / V / IV · Xperia 5 V / IV · Xperia 10 VI / V / IV / III Lite |
| **Sharp** | AQUOS sense9 / sense8 / sense7 / sense7 plus · AQUOS R10 / R9 / R9 Pro / R8 / R8 pro / R8s pro · AQUOS wish / zero6 |
| **OnePlus** | OnePlus 15 / 13 / 13R / 12 / 11 / Open |
| **Nokia** | G60 / XR21 / X30 |
| **Hammer** | Explorer PRO / Blade 3 / Blade 5G · myPhone NOW eSIM / Hammer Construction |
| **Rakuten** | Big / Big S / Mini / Hand / Hand 5G |
| **TCL** | NxtPaper 70 Pro / 60 / 60 XE NxtPaper · 50 5G / 50 NxtPaper / 50 Pro NxtPaper / 40 XL |
| **T-Mobile** | Revvl 7 / Revvl 7 Pro |
| **Others** | Fairphone 4 / 5 · Gemini PDA 4G+Wi-Fi · Nothing Phone (3a) Pro · Nuu Mobile X5 · ASUS Zenfone 12 Ultra · ZTE nubia Flip2 · alcatel V3 Ultra · Surface Duo / Duo 2 (unlocked only) |
Requires **Windows 10 version 1703 or later** (or Windows 11) and an LTE-ready configuration.
| Maker | Models |
| - | - |
| **Acer** | Swift 3 / Swift 7 · TravelMate P2 / Spin P4 / P6 |
| **ASUS** | Mini Transformer T103HAF · NovaGo TP370QL · Vivobook Flip 14 TP401NA |
| **Dell** | Latitude 7440 / 7210 2-in-1 / 9410 / 7310 / 7410 / 9510 / 5410 / 5411 / 5511 |
| **HP** | Elitebook G5 · Probook G5 · Zbook G5 · Spectre Folio 13 |
| **Lenovo** | ThinkPad X1 Titanium Yoga / X1 Carbon Gen 9 / X1 Fold / X1 Nano / X12 Detachable · Flex 5G · Yoga C630 / 520 / 720 (2-in-1) · Miix 630 |
| **Microsoft** | Surface Pro 9 / Surface Go 3 / Surface Pro X |
### Known regional exceptions
Examples of models that ship **without eSIM** in certain markets. This list isn't exhaustive — market rules change, which is why the device check comes first.
* **Apple:** no eSIM on iPhone/iPad from Mainland China. Hong Kong & Macao devices have no eSIM except iPhone 13 Mini, 12 Mini, SE 2020, and XS. **Turkey:** eSIM activates automatically only if the device was set up after June 23, 2020 — otherwise contact your carrier. iPads must be Wi-Fi + Cellular models.
* **Samsung:** no eSIM on devices from China, Hong Kong, and Taiwan; no eSIM on FE models except S23 FE / S24 FE; no eSIM on USA models of S20, S21, and Note 20 Ultra. In South Korea, only S24, S23, Z Fold 5/4, Z Flip 5/4, and A54 5G support eSIM.
* **Google:** no eSIM on Pixel 3 from Australia, Taiwan, Japan, or US/CA carrier models (except Sprint & Google Fi); no eSIM on Pixel 3a from Southeast Asia or Verizon.
* **Huawei:** no eSIM on P40 Pro+ or any device purchased in China.
* **Oppo / Realme, Sharp, Rakuten:** eSIM is mainly supported on Japanese and specific international models.
* **Sony:** Xperia 10 IV supports eSIM in Europe only.
* **AT\&T-locked devices** (incl. Surface Duo): no eSIM support.
* **Motorola, Xiaomi, Vivo, Honor, Nokia, OnePlus, Hammer, TCL, T-Mobile:** availability varies by country/region and carrier — confirm with your carrier or device manufacturer if unsure.
***
## Carrier lock check
Even with eSIM hardware, a **carrier-locked** phone can't install international eSIMs.
* **iOS:** Settings → General → About → **Carrier Lock**. It must say **No SIM restrictions**.
* **Android:** Settings → Connections → Mobile networks → **Network operators** → turn off "Select automatically". If other networks appear and can be selected, the phone is likely unlocked.
If your phone is locked, contact the carrier you bought it from to unlock it.
***
## If your device turns out not to support eSIM
* **You haven't installed the eSIM yet** — you can return it for a refund, minus the flat \$1 processing fee, where the plan is refundable. Message the in-app live chat with your Order ID.
* **You already installed it** — an installed eSIM can't be returned, because installation consumes it. If it installed but doesn't work, that's a different case and it's covered: see [1:1 Trip Guarantee & Refunds](/help-center/fizen-esim/trip-guarantee).
Can't find your device, or `*#06#` shows nothing? Contact support via the **in-app live chat** before you buy — we'll help you check. Full list with the latest additions: [Which Phones Support eSIM in 2026](https://blog.fizen.io/which-phones-support-esim-in-2026-the-complete-compatibility-list/).
# 1:1 Trip Guarantee & Refunds
Source: https://docs.fizen.io/help-center/fizen-esim/trip-guarantee
How Fizen handles eSIM replacements and refunds: free 1-for-1 replacement when the fault is ours, and clear rules for returns before and after installation.
## The promise
Every Fizen eSIM comes with a **1:1 Trip Guarantee**:
> If a Fizen eSIM fails because of a fault on our side, we replace it **1-for-1 at zero cost, for the entire length of your trip** — or refund the days you weren't able to use.
Changed your plans instead? An eSIM you **haven't installed yet** can usually be returned, minus a flat **\$1** processing fee.
***
## Two things decide the outcome
Before anything else, our agent checks two things:
1. **Has the eSIM been installed yet?** An eSIM is consumed the moment it's installed on a phone — that's a limit of the technology, not a policy choice.
2. **Whose side is the problem on?** A genuine fault with the eSIM is covered by the guarantee. A change of mind is handled as a return.
Not connecting but not sure why? Run the [2-minute checklist](/help-center/fizen-esim/troubleshooting) first — most "no internet" cases are a settings toggle. If the issue continues, contact support and we'll investigate it under the 1:1 Trip Guarantee.
***
## Case 1 — The eSIM isn't installed yet
Covers every reason: you bought the wrong country or plan, your trip got cancelled, you changed your mind, or your phone turned out not to support eSIM.
* **What you get:** a refund, minus a flat **\$1** processing fee per eSIM
* **Condition:** the eSIM hasn't been installed or activated yet
* **Availability:** refund eligibility depends on the plan — check whether yours is **refundable before activation** in its **Package details**, or ask in the live chat and we'll confirm for your destination
* **Refund method:** confirmed by our agent based on how you paid
Not sure your phone supports eSIM? Check it **before** you install — with the device check in the Fizen App, or by dialling `*#06#`. See [Supported Devices](/help-center/fizen-esim/supported-devices). Once an eSIM is installed, it can no longer be returned.
***
## Case 2 — The eSIM is already installed
### If the eSIM is faulty
Report it in the live chat. Once our support team confirms the fault, you choose one of:
* a **free 1-for-1 replacement eSIM**, issued at no cost, or
* a **refund for the days you couldn't use** — calculated from the plan's daily value and the number of unused days
Either way, the guarantee runs for the **whole trip**, not just day one, and replacements are always free.
**How the unused-days refund works.** The plan's value is divided by its total number of days, then multiplied by the days you weren't able to use. Example: a 10-day plan that stops working after day 4 leaves 6 unused days, so the refund covers roughly 6/10 of the plan. Your agent confirms the exact amount before processing.
### If the eSIM works but you no longer want it
An installed eSIM can't be returned for a change of mind — including buying the wrong country or plan, or installing it on the wrong phone. This is why it's worth checking the destination, the plan and your device before you install.
***
## What's covered at a glance
| Situation | eSIM not installed | eSIM already installed |
| - | - | - |
| Won't activate, or no service at your destination | Free replacement, or refund minus \$1 | Free 1-for-1 replacement, or refund for unused days |
| Data speed far below what the plan advertises | — | Replacement or partial refund, case by case |
| Stops working mid-trip | — | Free replacement, covered for the whole trip |
| Your device doesn't support eSIM | Refund minus \$1 | Not refundable |
| Wrong country or plan bought | Refund minus \$1 | Not refundable |
| Changed your mind, or trip cancelled | Refund minus \$1 | Not refundable |
***
## How to request a replacement or refund
Everything happens in one chat. No forms, no email tickets.
Tap the **chat icon** in the Fizen App. A human agent will assist you as soon as possible.
So we can resolve it in one go, include:
* **Order ID** (in your purchase confirmation)
* **ICCID** of the eSIM (on the eSIM details screen in **My eSIMs**, under Manual installation, with a copy button)
* **Device model** (e.g. iPhone 15, Galaxy S24)
* A **screenshot** of the issue, if there is one
The agent confirms whether the eSIM has been installed and walks you through any quick setting fix. If the eSIM itself is at fault, you get a replacement or a refund as set out above.
**100% human support, zero guarantee fees.** Every conversation is with a real person, not a bot. Replacements under the 1:1 Trip Guarantee never cost you anything.
## Keep reading
* [Fizen eSIM refund and return policy, explained](https://blog.fizen.io/esim-refund-return-policy-2026/)
* [Get a Fizen eSIM on fizen.io](https://fizen.io/esim)
# Troubleshooting
Source: https://docs.fizen.io/help-center/fizen-esim/troubleshooting
eSIM installed but no internet? Work through this 2-minute checklist.
Most connection issues come down to one of five settings. Work through them in order — each takes seconds.
**Don't delete the eSIM**, no matter what. A deleted eSIM can't be reinstalled, but a "not working" one can almost always be fixed in chat.
**Settings → Cellular/Mobile → your eSIM line → Data Roaming → ON.** This is the #1 cause of "no internet" — travel eSIMs need roaming enabled to connect.
![eSIM line settings with Turn On This Line and Data Roaming enabled]()
In **Settings → Cellular/Mobile → Mobile Data**, make sure your **Fizen eSIM** is selected — not your home SIM.
Turn Airplane Mode on, wait 30 seconds, turn it off. This forces your phone to re-register on the local network. A full restart works too.
In **Settings → Cellular/Mobile → your eSIM line → Network Selection**, switch off **Automatic** and pick a supported carrier from the list. If one carrier fails, try another.
Open **Fizen App → eSIM → My eSIMs** to confirm your plan is active and has data left. If the plan is used up, buy a new plan in a few taps (it comes as a new eSIM to install). See [Check Your Data Balance](/help-center/fizen-esim/check-data-balance).
***
## Still not connected?
Tap the chat icon in the Fizen App. A human agent will assist you as soon as possible — and if the fault is on our side, replace your eSIM free of charge or refund you under the guarantee.
## Keep reading
* [Which phones support eSIM: the complete list](https://blog.fizen.io/which-phones-support-esim-in-2026-the-complete-compatibility-list/)
* [eSIM scams in 2026 and how to stay safe](https://blog.fizen.io/esim-scams-how-to-avoid-2026/)
* [Get a Fizen eSIM on fizen.io](https://fizen.io/esim)
# $10 eSIM Welcome Credit in the App
Source: https://docs.fizen.io/help-center/fizen-esim/welcome-credit
New Fizen users from 19 August 2026 get $10-equivalent eSIM credit automatically in the app. Promotional credit, not cash. Website and partner offers are separate.
New users who create their first Fizen account from 19 August 2026 receive \$10 of eSIM credit in the app. No code. No website claim. Open the eSIM tab and it is added. Amounts on this page are promotional credit, not cash.
## 1. In-app welcome credit (this campaign)
This is Fizen's in-app welcome for new users. It is not the same as offers on [fizen.io/esim](https://fizen.io/esim) or a partner site.
| | |
| - | - |
| Who | First Fizen account, created from 19 August 2026 (09:10 GMT+7) |
| What | \$10 promotional eSIM credit (not cash; it cannot be withdrawn) |
| How | [Download the Fizen App](https://fizen.io/app?accessCode=fizen\&utm_source=web\&utm_medium=fizen\&utm_campaign=app_download\&utm_content=docs\&aid=6a8573040a0aa1256a7e5935), set up your account, open the eSIM tab. Credit is added automatically |
| Code | None |
| Where it is spent | eSIM data plans in the Fizen App |
Get it from [fizen.io/app](https://fizen.io/app?accessCode=fizen\&utm_source=web\&utm_medium=fizen\&utm_campaign=app_download\&utm_content=docs\&aid=6a8573040a0aa1256a7e5935).
The welcome is for your first Fizen account only.
Credit is granted automatically. No banner to tap, no code to enter.
Checkout shows how much credit applies and what you still pay.
Already have a Fizen account from before 19 August 2026? You are not eligible for this welcome. You still earn \$2 after each successful eSIM purchase.
***
## How the credit is used (any eSIM credit)
Once credit is in your balance, the same spend rules apply, whether it came from the in-app welcome, a purchase reward, a referral, or a separate site/partner offer.
* On an eligible order, credit covers up to 30% of the plan price, or your remaining balance if that is smaller.
* Plan \$10, balance \$5 → \$3 applied, you pay \$7, \$2 left.
* Plan \$10, balance \$2 → \$2 applied, you pay \$8, \$0 left.
* After each successful purchase you get \$2 more. That amount is added after payment, so it is not used on the order you just paid.
* Credit lasts 12 months. Each new grant resets the expiry of your whole balance to 12 months from that day. Spending does not extend it.
* Credit is not cash. It cannot be withdrawn, transferred, or swapped for crypto or fiat.
Checkout always shows whether credit applies before you pay. On some partner sign-up routes, the first eSIM order is charged at the listed plan price and credit starts applying from the next eligible order.
***
## 2. Website and partner programs (separate)
Offers on fizen.io/esim, landing pages, emails, or partner / other-team sites are not the in-app welcome above.
Those campaigns are run by the team or partner that publishes them. Amount, how to claim, and who is eligible follow that program's own rules.
If you arrived from a partner, you may receive that partner's offer. That does not change how you get the in-app welcome: download the Fizen App as a new user from 19 August 2026.
Promo codes issued for a site or campaign are also in this bucket: enter a valid code in the app; each account can claim a given code once, on one device.
***
## Invite a friend
Separate from both programs above.
* Your friend enters your personal referral code → they get \$10, you get \$10.
* You can earn the inviter credit on up to 10 friends during this campaign. After that, new friends still get their \$10.
* Company or promo install links do not pay inviter credit. The friend can still get the in-app welcome if they are a new user.
Referral code, link, or QR — plus FiPoint and commission
***
## FAQ
Download the [Fizen App](https://fizen.io/app?accessCode=fizen\&utm_source=web\&utm_medium=fizen\&utm_campaign=app_download\&utm_content=docs\&aid=6a8573040a0aa1256a7e5935), create your first account on or after 19 August 2026, and open the eSIM tab. Credit is added automatically. It is promotional credit, not cash.
No. The in-app welcome does not require a website claim. Pages such as fizen.io/esim, and partner sites, run separate programs with their own rules.
A natural person creating their first Fizen account from 19 August 2026 (09:10 GMT+7). One grant per person, per device, and per household. Existing or previous account holders are not eligible. If you joined through a partner, you may have that partner's offer; you still earn \$2 after each successful eSIM purchase. See the [Promotions Master Terms](/promotion-master-terms).
Credit covers up to 30% of an eligible plan: a \$10 plan takes up to \$3; a \$20 plan takes up to \$6. On some partner routes the first order is charged at the listed price. Checkout shows the amount before you pay.
No. It is promotional credit for eSIM plans in the app only. Amounts shown as \$ are a face value, not money you can cash out.
Yes, 12 months after it is added. Any new grant (including the \$2 after a purchase) resets the expiry of the whole balance.
Returns follow the [1:1 Trip Guarantee & Refunds](/help-center/fizen-esim/trip-guarantee) policy. Credit used on that order is not refunded in cash; support confirms how the credit portion is handled.
Friend enters your personal code: \$10 each. Inviter cap is 10 during the campaign. See [Refer Friends](/help-center/fizen-app/referral/refer-friends).
***
## Campaign Rules
These Campaign Rules apply to the eSIM In-App Welcome Credit Campaign (campaign code `esim10`), including the In-App Welcome Credit, the Purchase Reward and Referral Credit. Website, landing-page and partner offers are separate campaigns and are governed by their own Campaign Rules, if any. These Campaign Rules are those referred to in the [Fizen Promotions Master Terms](/promotion-master-terms) and must be read together with the [Fizen Master Terms of Use](/master-terms-of-use) and the [Fizen Privacy Policy](/privacy). Where these Campaign Rules conflict with the Promotions Master Terms, these Campaign Rules prevail (Promotions Master Terms, clause 11).
**1. Sponsor.** Fizen Limited.
**2. Campaign Period.** The Campaign starts at 09:10 (GMT+7) on 19 August 2026 and runs until Fizen announces its end in-app. Fizen may modify, suspend or end the Campaign at any time, including before any stated end date, in accordance with clause 7 of the Promotions Master Terms. Credit already granted before the Campaign ends remains usable until it expires under rule 7.
**3. Eligibility.** The In-App Welcome Credit is available to a natural person who creates their first Fizen account during the Campaign Period, holds an active account in good standing with any KYC required under clause 5 of the Fizen Master Terms of Use, and is habitually resident in a jurisdiction where the Campaign is offered. Fizen determines eligibility at account creation and when the Qualifying Activity is completed.
Not eligible for the In-App Welcome Credit: existing or previous Fizen account holders; additional or duplicate accounts held by the same person; accounts created through partner or other designated sign-up routes (those Participants may receive a welcome from that partner's own program instead); persons in jurisdictions where the Campaign is unlawful or restricted; and Fizen employees, contractors and their immediate family members.
Participants who are not eligible for the In-App Welcome Credit remain eligible for the Purchase Reward, Referral Credit and any separate website or partner offer for which they qualify.
**4. Limits.** One In-App Welcome Credit per person, per device and per household, regardless of the number of accounts, email addresses, phone numbers or payment methods used. Fizen may apply an overall cap on the number of In-App Welcome Credits issued during the Campaign and may close the Campaign once that cap is reached.
**5. Qualifying Activities and Rewards.**
**(a) In-App Welcome Credit.** An eligible new user opening the eSIM tab in the Fizen App for the first time during the Campaign Period. Reward: \$10 of promotional eSIM credit, granted automatically. No code and no website claim is required. The credit is a promotional discount benefit, not money.
**(b) Separate website and partner programs.** Offers published on fizen.io/esim, other Fizen web pages, or partner sites are not the In-App Welcome Credit. They are run by the relevant Fizen team or partner under their own terms. Completing a website or partner claim does not replace, and is not a condition of, the In-App Welcome Credit.
**(c) Purchase Reward.** After each successful eSIM purchase, \$2 of promotional eSIM credit is granted to the purchasing account. It is granted after payment succeeds and cannot be applied to the order that earned it. It applies to all successful eSIM purchases, including Participants who joined through a partner route.
**(d) Referral Credit.** If eligible wallet A enters the personal referral code of eligible wallet B: A receives \$10 and B receives \$10. B may receive the inviter Referral Credit on a maximum of ten (10) successful referrals completed during the Campaign Period. A subsequent invitee still receives their \$10; B does not receive a further inviter Referral Credit. Installs through promotional or company-issued referral links do not generate Referral Credit for either side. A Participant who joined through a partner route remains eligible for Referral Credit on a personal code.
**(e) Promo Codes.** Promo codes issued for a website, email or partner campaign are a separate Reward from the In-App Welcome Credit. A code may be unique and single-use, or a shared campaign code. Each code may be claimed once per eligible account and device. On a valid claim, the stated value is added to the Participant's eSIM credit balance.
Fizen may delay or withhold any Reward pending validation, KYC re-verification, AML or sanctions screening, or fraud investigation (Promotions Master Terms, clause 3).
**6. Using the credit.** Credit may be applied only to eSIM purchases made in the Fizen App. On an eligible order, credit may cover up to 30% of the listed plan price (or the remaining balance, if lower); the remainder is payable by the Participant using an accepted payment method.
For Participants who create an account through a partner or other designated sign-up route, the first eSIM purchase is not eligible for credit application and is charged at the listed plan price; credit may be applied to subsequent eligible orders, still subject to the 30% cap.
Whether an order is eligible, and the amount of credit applied, is displayed at checkout before payment is confirmed. Credit may be applied across multiple orders until exhausted or expired. Fizen may exclude specific plans, destinations or order types from credit eligibility.
**7. Validity and expiry.** Credit expires twelve (12) months after it is granted. Where further credit is granted to the same account, the expiry date of the account's entire credit balance is extended to twelve (12) months from the date of that grant. Spending credit does not extend expiry. Expired credit is forfeited and is not reinstated, refunded or compensated.
**8. Nature of the credit.** The credit is a promotional discount benefit denominated in USD for use within the Fizen App. It is not money, e-money, a deposit, a stored-value instrument, a security or a Digital Asset. It has no cash value, earns no interest, cannot be withdrawn, sold, transferred, assigned, gifted or exchanged for crypto or fiat, and is not covered by any deposit protection scheme. Credit is not property of the Participant and confers no rights other than those in these Campaign Rules.
**9. Refunds, returns and reversals.** Where an order paid in part with credit is refunded, returned, replaced or reversed — including under the [1:1 Trip Guarantee & Refunds](/help-center/fizen-esim/trip-guarantee) policy — the credit portion of that order is not refunded in cash. Fizen confirms the treatment of the credit portion with the Participant as part of the support case. Refund eligibility, fees and the refund method are governed by the applicable eSIM refund policy and depend on the plan purchased and how payment was made.
**10. Fraud and abuse.** Clause 6 of the Promotions Master Terms applies. Without limitation, creating multiple or duplicate accounts, using false, stolen or synthetic identities, device or IP manipulation, emulators, bots, scripts or automation, and transactions structured primarily to obtain or extract credit are prohibited. Fizen may investigate, suspend or close accounts, withhold, reverse or recover credit, cancel affected orders, refuse future participation and report to authorities. Fizen's decision is final.
**11. Tax.** Participants are solely responsible for any tax arising from receiving or using the Reward (Promotions Master Terms, clause 8).
**12. No investment solicitation.** Nothing in this Campaign is investment, financial, tax or legal advice, or a recommendation or solicitation in respect of any Digital Asset (Promotions Master Terms, clause 5).
**13. Disclaimers and liability.** The Campaign and the Reward are provided "as is" and "as available". Clause 10 of the Promotions Master Terms applies, including the limitation of Fizen's aggregate liability.
**14. Order of precedence.** Campaign Rules > [Promotions Master Terms](/promotion-master-terms) > Fizen Rewards Program Terms > [Fizen Master Terms of Use](/master-terms-of-use).
Questions about your credit? Open the in-app live chat with your Order ID and a real person will look into it.
# Fizen Pay
Source: https://docs.fizen.io/help-center/fizen-pay/fizen-pay
Crypto payment gateway for businesses — accept USDT instantly, settle in seconds, no chargebacks.
fizen.io/business
***
## For merchants
Create your account
Manage funds
Create & track invoices
In-store QR payments
View incoming payments
Configure your account
***
## For customers
Scan and pay guide for customers
# For customers
Source: https://docs.fizen.io/help-center/fizen-pay/for-customers
## How can I make payment?
4 easy steps to pay for an order
### Step 1: Go to payment link
* If you are paying for an invoice: Open the invoice payment link your merchant sent you.
* If you are paying or an order in WooCommerce or Prestashop: Complete checkout in the eCommerce page then get redirected to Fizen Pay payment link
The URL should look like this: [https://payment.fizen.io/charges/](https://payment.fizen.io/charges/\[12) \[12 digit alphanumeric ID]
You can see your order ID and order amount on this page.
### Step 2: Select payment token
Scroll to choose the payment token you want to pay in. Please confirm that the token you choose is on the correct blockchain network.
If your desired payment token is not on this list, don’t worry! You can choose any token in this list (the more popular the better), and then choose Fizen Super App as a payment wallet in the next step to swap and pay in one go.
### Step 3: Select payment wallet
You have three options:
* Pay with Fizen Super App (recommended). You can download Fizen Super App on Play Store (for [Android](https://play.google.com/store/apps/details?id=com.fizen.io.wallet)) or Apple Store (for [iOS](https://apps.apple.com/us/app/fizen-wallet-gamefi-payment/id1621269508)).
* Pay with Metamask (browser extension)
* Connect your wallet with WalletConnect
#### 3.1. **Pay with Fizen Super App (recommended)**
Click **Pay with Fizen Wallet** button
You will go to the **Pay with Fizen Super App** page
If you open the **Pay with Fizen Super App** page on a computer, open Fizen Super App on your phone and scan the QR code.
If you open the **Pay with Fizen Super App** page on a phone, you just need to tab the **Open Fizen Super App** button.
In your Fizen Super App, after logging in, it will show the below payment screen. Swipe to confirm payment.
The payment transaction will take 2\~3 seconds to be processed on blockchain.
When it is done, you will receive the alert message:
#### **3.2.** Pay with MetaMask
Click **Pay with Metamask** button
It will open your Metamask browser extension.
If your MetaMask is not logged in, you will be asked to log in.
If your MetaMask is on a blockchain network different from the blockchain network you are paying in, you will be asked to add or switch to that blockchain network in your Metamask.
Double check the payment amount, token, blockchain network, then click **Approve**.
Click **Confirm** in your Metamask to approve payment
Then, click **Confirm** in your Metamask to confirm payment
**Please note that from the next time you pay for an order from this merchant, you will not have to approve your payments again. You will go straight to the Confirm step.**
Similarly, click **Confirm payment** in the payment URL, then click Confirm in Metamask to complete the payment.
#### **3.3. Use WalletConnect**
Click **WalletConnect** button
Scan the QR code with a WalletConnect-compatible wallet.
Then, proceed with the payment using your wallet.
### Step 4: Check receipt
After your wallet confirms that the transaction was executed, your payment link will take about 3 seconds to update payment status.
After that, if you were paying for an invoice, you will see the receipt as below.
If you were paying for an order in a store, you will be redirected to the order page.
You may want to save the **order ID** and the **merchant email address**, just in case you need to contact the merchant to follow up your payment.
See more:
[Why does my receipt state that I overpaid an order? What should I do? ](https://pay-faqs.fizen.io/for-customers/payment-status#why-does-my-receipt-state-that-i-overpaid-an-order-what-should-i-do)
[Why does my receipt state that I underpaid an order? What should I do? ](https://pay-faqs.fizen.io/for-customers/payment-status#why-does-my-receipt-state-that-i-underpaid-an-order-what-should-i-do)
[Why does my receipt say that I have made multiple payments? What should I do? ](https://pay-faqs.fizen.io/for-customers/payment-status#why-does-my-receipt-say-that-i-have-made-multiple-payments-what-should-i-do)
[Why does my receipt say that my payment was delayed? What should I do? ](https://pay-faqs.fizen.io/for-customers/payment-status#why-does-my-receipt-say-that-i-have-made-multiple-payments-what-should-i-do)
[Why does my payment link say that my payment expired? What should I do? ](https://pay-faqs.fizen.io/for-customers/payment-status#why-does-my-payment-link-say-that-my-payment-expired-what-should-i-do)
# Account information
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/account-settings/account-information
You can find **Account information** section in **Account settings** page.
### Account email address
This is the email you use to sign in and the email will receive our notification emails.
You cannot change this email.
### Password (**Mật khẩu)**
This is the password you use to sign in.
You can change the password by clicking on the **Change password** button.
Input your **current password**, **new password**, and **confirm new password**.
### Email preferences
You can set which email notifications you want to receive. Click on the **Settings** button.
ON/OFF toggle to select notifications you want to receive, then click **Save**.
### **Support email address**
This is the address displayed on the payment page. Customers will contact this email address if they need to follow up their orders. It is your account email address by default, however you can change your support email address.
**Step 1**. Type your the email address you want to be your support email address here.
**Step 2**. Check your mailbox for the verification email titled “Verify your support email” sent by [no-reply@fizen.io](mailto:no-reply@fizen.io)
Click the **Verify Support Email Address** button in the email.
By that, you have successfully changed your support email address.
# Account settings
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/account-settings/account-settings
You can setting your account in the [Account settings](https://merchant.fizen.io/dashboard/payments) page.
See more: [Set up account information](account-information.md)
See more: [Set up two-step verification](two-step-verification.md)
See more: [Set up payments](payment-settings.md)[ ](payment-settings.md)
See more: [Set up auto-withdrawals](auto-withdrawals.md)
See more: [Set up API keys and Webhook subscriptions](api-keys-va-webhook-subscription.md)
See more: [Close account](close-account.md)
# API keys và Webhook subscription
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/account-settings/api-keys-va-webhook-subscription
You can use API keys and Webhook subscription to integrate Fizen Pay to your preexisting Ecommerce shop.
### **How to create API key**
**Step 1.** Go to **Account settings** in your Fizen Pay merchant account.
**Step 2.** In the **API keys** section, click **New API key**.
This will be the key used to connect your Ecommerce store to your Fizen Pay account.
**Copy** the API key.
### How to add Webhook Shared Secret
**Step 1.** Go to **Account settings** in your Fizen Pay merchant account.
**Step 2**. In the **Webhook Subscriptions** section, click A**dd an endpoint**
**Step 3**. Paste the URL of your Ecommerce in the Fizen Pay’s **New Webhook Subscription** modal, then click **Save**
**Step 4**. Click **Shared secret** button
and **copy** the Webhook shared secret. Save the Webhook shared sacred to your Ecommerce settings page.
Currently, Fizen Pay is supporting Woocommerce and Prestashop plugins. You can find the detailed installation guidelines here:
WooCommerce:
* Merchant account (Mainnet):[ Fizen Pay Installation Guideline for WooCommerce - Merchant account (mainnet).pdf](https://drive.google.com/file/d/1nTXLi0HpQCMJwqOt3d3uHEKwHnIFtNb5/view?usp=sharing)
* Test mode:[ Fizen Pay Installation Guideline for WooCommerce - Test mode.pdf](https://drive.google.com/file/d/1e4DQ9V0hFqaW0cI1yUkt-RhcSAENme0T/view?usp=sharing)
PrestaShop:
* Merchant account (Mainnet):[ Fizen Pay Installation Guide for Prestashop - Merchant account (mainnet).pdf](https://drive.google.com/file/d/1tj3iukSLJQCV2e7STmmxBte4VqZ48XjD/view?usp=sharing)
* Test mode:[ Fizen Pay Installation Guide for Prestashop - Test mode account.pdf](https://drive.google.com/file/d/1cMDCFQviCIdIz9WSVF8Lo9QkBa9e9Iwr/view?usp=sharing)
# Auto-withdrawals
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/account-settings/auto-withdrawals
When your customers pay you, the funds first go to your smart contract. **Auto-withdrawal** option enables you to set a schedule for automatic withdrawal from your smart contracts to your crypto wallets, or set it so that you can withdraw manually.
These are your options:
* Immediately (**default**): As soon as a customer pays you, the funds will immediately be withdrawn from your smart contract to your wallet. If you change from Immediately to other options, the moment you change back to Immediately, the funds accumulated in your smart contract will be transferred to your wallet.
* Every 30 minutes: The funds will accumulate in your smart contracts and get sent to your wallets every 30 minutes.
* Every 60 minutes: The funds will accumulate in your smart contracts and get sent to your wallets every 60 minutes.
* Every 90 minutes: The funds will accumulate in your smart contracts and get sent to your wallets every 90 minutes.
* Claim manually: The funds will accumulate in your smart contracts. You can withdraw it to your wallet whenever you want.
# Close account
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/account-settings/close-account
You can find the **Closse account** section in **Account settings** page
**Important things to remember when you close your account:**
1. Closing your account is permanent and irreversible. Fizen Pay cannot recover your account once you have closed it.
2. You need to withdraw all of your balances in your smart contracts to your wallets. Once you have closed your account, no one can withdraw it, including Fizen Pay.
3. Once you have closed your account, all of your integration using APIs, your Ecommerce’s Fizen Pay plugins and webhooks will become invalid.
4. Once you have closed your account, all of your payment links will expire. Your customers will not be able to send crypto through those links anymore.
To close your account, please visit your [Account settings](https://merchant.fizen.io/dashboard/settings) page > **Close Account** > Click **Close account** button
**Step 1**. Click **I am sure** button
**Step 2**. If you have withdrawn all the Balances in Smart contracts in your Balances page to your wallet, then please click **Continue without withdrawing.**
If you have any funds you have not yet withdrawn, please do so now because you cannot withdraw funds after you have closed your account.
**Step 3**. This is the last step. Please enter Google Authentication code and click **Close account**.
# Payment settings
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/account-settings/payment-settings
You could set up your payments in **Payment settings**
### **Local currency**
This is the fiat currency displayed under the crypto currency value in Fizen Pay dashboard, and also when you create a new invoice. You can change local currency by selecting from the dropdown.
### **Flexible currency**
Due to the volatile nature of cryptocurrency, the price of specific cryptos can change between the time a payment is initiated to the time the payment is received. If your customer’s wallet uses a significantly different exchange rate than Fizen Pay, prices can fluctuate even more.
Now as a merchant, you can set up Flexible Payments to accept payments that are slightly above or below your listed price.
Your customers will not see these thresholds.
You can set the thresholds in either absolute numbers or in relative percentages.
\- **Absolute**: An absolute threshold is a number value that the underpayment or overpayment from a customer can fall within while still being approved and marked as a Complete payment.
Example: Set absolute underpayments threshold = $0.1 means you accept a payment of $9.9 for a $10 order. Set absolute overpayments threshold = $0.1 means you accept a payment of $10.1 for a $10 order.
**Important: The currency in Local currency, Underpayments threshold, Overpayments threshold must be the same.**
\- **Relative**:
A relative threshold is a percentage that the underpayment or overpayment from a customer can fall within while still being approved and marked as a Complete payment.
Example: Set relative underpayments threshold = 1% meaning you accept a payment of $99 for a $100 order. Set relative overpayments threshold = 1% meaning you accept a payment of $101 for a $100 order.
If the difference between the received payment and the listed price exceed the underpayment threshold, the payment will be marked as UNDERPAID
If the difference between the received payment and the listed price exceed the overpayment threshold, the payment will be marked as OVERPAID
# Two-step verification
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/account-settings/two-step-verification
Two-step authentication protects your Fizen Pay account with an additional level of security, which helps keep your account safe. If compromised, your finances, customer details, and transaction information are at risk.
### One-time use backup codes
If you lose your phone or otherwise can't get authentication codes by your Google Authenticator app, you can use backup codes to bypass 2-step authentication.
**Important**: Once you use a backup code to sign in, that code becomes inactive. You can get a new set of 10 backup codes when you have 3 or fewer backup codes left.
**Step 1.** Too see your backup code, click **View backup codes** button.
**Step 2.** Enter your Google Authentication code, or click **Use Password** to enter your password instead.
**Step 3.** Click **Download** to download your backup codes.
When you have 3 or fewer backup codes left, you can click **Generate more** to get a new set of 10 backup codes.
### **Secondary authentication**
Fizen Pay enables you to use your one-time use backup codes to reset your 2-step verification device if you lose access to your old device. You should navigate to the **Secondary authentication** section and follow the steps below.
**Step 1**. Click **Change device**
**Step 2**. Click **Use backup code** or **Use password** when asked to enter Google Authentication code.
**Step 3**. Enter one of your one-time use codes or your password.
**Step 4**. Follow the instructions to set up a new 2-step verification device.
For security reasons, we're unable to reset your 2-step verification if you're unable to recover with your one-time use backup codes and password.
# Balances
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/balances/balances
On [Balances ](https://merchant.fizen.io/dashboard/balances)page, you can manage the funds you received in 2 tab **Smart Contract** and **Your Wallet**.
See more: [Balances in Smart Contract](balances-in-smart-contract/)
See more: [Balances in your wallet](balances-in-your-wallet.md)
# Balances in Smart Contract
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/balances/balances-in-smart-contract/balances-in-smart-contract
When a customer pays you, the funds will first go to your Smart Contracts.
\- The total amount displayed on the top is the total payable amount you will receive. Fizen Pay has already deducted your service fee.
\- The list of cryptocurrencies is the cryptocurrencies you accepted in [Crypto settings](https://merchant.fizen.io/dashboard/crypto-settings) page, or the cryptocurrencies you used to accept in the past and have not withdrawn funds to your wallet yet.
\- You can check the balance of each cryptocurrency and see their values when converted to your local currency. You can change your local currency in [Account settings](https://merchant.fizen.io/dashboard/settings) > **Payment settings** > **Local currency**.
\- You can set your withdrawal schedule in [Account settings](https://merchant.fizen.io/dashboard/settings). Your withdrawal schedule refers to how often Fizen Pay withdraws money from your smart contract to your wallet.
See more: [Set withdrawal schedule with auto-withdrawals](../../account-settings/auto-withdrawals.md)
If you choose to withdraw manually, you can do it in the Balances page.
# Withdraw manually
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/balances/balances-in-smart-contract/withdraw-manually
\------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
\| Blockchain network | The blockchain network of the crypto currency you are withdrawing |
\| Receiving wallet address | The address of the hot wallet you created when you set up your account. Your cryptocurrencies will be withdrawn to this wallet |
\| Amount to be withdrawn ) | The amount you can withdraw, which includes received payments whose status is COMPLETED, RESOLVED, or REFUNDED. The received payments whose status is UNDERPAID, OVERPAID, MULTIPLE, or DELAYED are not included in this amount. |
\| Est. gas fee | The estimated network gas fee needed to execute the withdrawal transaction.
See more: [Why do I have to pay a network fee to withdraw and how much is this fee?](../../../../../)
|
\| Est. amount to be received | Equals Amount to be withdrawn minus Est. gas fee. |
The actual amount received in your wallet may differ a little from the **Est. amount to be received** due to the volatility of the gas fee.
If the **Est. Amount to be received** is negative, meaning the Amount to be withdrawn is less than the **Est. gas fee** to withdraw it, then you cannot withdraw.
See more:[ Is there a minimum amount that I need to withdraw?](https://pay-faqs.fizen.io/for-merchants/withdrawals#is-there-a-minimum-amount-that-i-need-to-withdraw)
See more: [Is there a maximum amount that I can withdraw?](https://pay-faqs.fizen.io/for-merchants/withdrawals#is-there-a-maximum-amount-that-i-can-withdraw)
After you click **Confirm**, the withdrawal process will begin. Normally you will receive the funds in your wallet after a few seconds to a few minutes.
# Withdrawal history
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/balances/balances-in-smart-contract/withdrawal-history
\-------------------- | ---------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------- |
\| Success | The funds are successfully sent to your crypto wallet. | No action needed. You can view the transaction hash on the blockchain by clicking the **View transaction** button |
\| Failure | Transaction failed and the funds are still in your smart contract. | You can try withdrawing them again. |
\| Transaction submitting | Transaction is being sent to the blockchain to be included in a block. | No action needed. You wait for its status to change to **Blockchain confirming**. |
\| Blockchain confirming | The blockchain is validating your transaction | No action needed. You wait for its status to change to **Success** or **Failure** |
# Balances in your wallet
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/balances/balances-in-your-wallet
Fizen Pay does not have access to and cannot control the funds you have in your wallet. However, we will display the balances you have in your wallet to help with management.
The wallet address on the right side of the screen is your receiving wallet address.
# Crypto settings
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/crypto-settings
[Crypto settings](https://merchant.fizen.io/dashboard/crypto-settings) page enables you to select the cryptocurrencies you want to accept. When a crypto is chosen, it will become a payment options when your customers choose the crypto to pay for their orders.
Crypto currencies are grouped into 3 groups:
\- **Stablecoins** are cryptocurrencies where the price is designed to be stable and tied to a fiat money, typically one US Dollar.
\- **Popular** group contains top cryptocurrencies of popular exchanges, with high volumes and large number of holders.
\- **Others** group mostly includes game tokens and tokens from our partners.
Of the three groups, only cryptocurrencies in the stablecoin group are accepted by default.
You can choose which cryptocurrencies you want to accept by ON/OFF the Accepted toggles.
Please keep in mind that you have to accept at least one crypto currency.
# For merchants
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/for-merchants
Fizen Pay API Docs
[Open Fizen Pay API](https://pay-apidocs.fizen.io/)
# Cancel an invoice
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/invoices/cancel-an-invoice
You can only cancel an invoice whose status is **NEW**.
**Step 1.** Click on the invoice you want to cancel on the [Invoices ](https://merchant.fizen.io/dashboard/invoices)page.
**Step 2**. On the **invoice detail** page, click **Void invoice**
**Step 3**. In the confirmation popup, input your memo (optional) and click **Void invoice**
And by that you have successfully canceled the invoice.
Its status will change from **NEW** to **CANCELED**. The payment link will become expired and your customer will not be able to pay through it anymore.
If you want to check the notes you have entered, you can see it in the invoice detail page.
# Create an invoice
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/invoices/create-an-invoice
Before you start to create your first invoice, please decide which crypto currency you want to receive for your invoice by going to [Crypto settings](https://merchant.fizen.io/dashboard/crypto-settings) page.
[Learn more about how to use the crypto settings page.](../crypto-settings.md)
After selecting your accepted crypto currencies, you can start creating your invoices.
## 1. From the Fizen Pay dashboard, go to [Invoices ](https://merchant.fizen.io/dashboard/invoices)page
Click **Create invoice**.
## 2. Fill in Create new invoice template
\- **Amount**: Input the invoice amount and the currency of the invoice.
You have two options: create an invoice in Fiat, or create an invoice in crypto.
If you choose Fiat, the invoice can be paid by any of the crypto currencies you have accepted in the [Crypto settings](https://merchant.fizen.io/dashboard/crypto-settings) page.
If you choose Crypto, the invoice can only be paid by the crypto currency you choose.
\- **Customer email**: Input your customer’s email address
\- **Customer name** (optional): Input your customer’s name
\- **Memo** (optional): Input your memo.
When your customer receives your invoice, they can only see the amount information.
The customer email, customer name, memo information will not be visible.
Click **Create invoice**.
## 3. Share your invoice
Your invoice is created successfully.
You can copy the invoice link to send it to your customer.
You can also copy the invoice link by clicking on your invoice on the [Invoices ](https://merchant.fizen.io/dashboard/invoices)page.
By doing that, its details page opens. You can copy the invoice link at the bottom of the page.
# Filter invoices
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/invoices/filter-invoices
On the [Invoices ](https://merchant.fizen.io/dashboard/invoices)page, use the Status filter to view invoices according to their status.
Fizen Pay gives you the option to find your invoices by customer email and invoice ID. You can use the search bar together with the filter to filter your invoices in more detail.
# Invoice details page
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/invoices/invoice-details-page
When you click on an invoice on the [Invoices ](https://merchant.fizen.io/dashboard/invoices)page, its details page opens. You can perform a variety of invoice actions on the details page, such as copy Invoice ID, Customer email, and the invoice link. Depending on the status of the invoice, you can Void (cancel) an invoice or see its payment details.
# Invoice statuses
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/invoices/invoice-statuses
Invoices can take on one of eleven statuses:
# Invoices
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/invoices/invoices
Learn how to manage your invoices on the Dashboard.
Invoices move through different statuses from the time they’re created to when they’re paid. You can track the status of an invoice on the [Invoices ](https://merchant.fizen.io/dashboard/invoices)page.
\- **Customer:** shows the customer email, invoice ID and the date & time of the latest invoice action.
\- **Status**: shows the [status](invoice-statuses.md) of the invoice.
\- **Received amount** (số tiền nhận): the total amount paid by the customer for the invoice.
\- **Original amount** (số tiền gốc): the amount specified when the invoice was created.
# Mark an invoice as resolved or refunded
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/invoices/mark-an-invoice-as-resolved-or-refunded
You can mark an invoice as resolved or refunded to help with management.
**Step 1.** In the **Invoices** page, select the invoice you want to mark as resolved or refunded.
In the **Invoice details** page, click on the **View payment details** button.
**Step 2**. In the P**ayment details** page, click on the **Mark as resolved** or **Mark as refunded** button and follow instruction to mark your invoice as resolved/refunded.
# View payment details
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/invoices/view-payment-details
If an invoice has been paid, you can see its payment detail
**Step 1**. From the Invoices page, select the invoice you want to see details.
Click on the **View payment details** button.
**Step 2**. On the **Payment details** page, you can see the details of the payment for your invoice.
# Filter payments
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/payments/filter-payments
On the [Payments ](https://merchant.fizen.io/dashboard/payments)page, use the Status filter to view payments according to their status.
Fizen Pay gives you the option to find your payments by customer email and invoice ID. You can use the search bar together with the filter to filter your payments in more detail.
# Mark a payment as refunded
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/payments/mark-a-payment-as-refunded
Fizen Pay enables you to mark a payment as refunded.
**IMPORTANT**: You will need to execute the actual refund transaction yourself. Since Fizen Pay is a peer-to-peer non-custodial solution, we do not have access to your funds, hence we cannot refund customers on behalf of you. However, we enable you to quickly get your customer’s wallet address and payment amount so that you can execute the refund transaction smoothly.
3 Steps to mark a transaction as refunded:
**Step 1**. From the [Payments ](https://merchant.fizen.io/dashboard/payments)page, click on the payment you want to mark as refunded to open its **Payment details** page
Click **Mark as refunded**.
**Step 2.**
\- **Receiving address**: the address the original payment was from
\- **Refund amount**: the amount you received from the payment
You can scan the QR code with Fizen Super App ([Android](https://play.google.com/store/apps/details?id=com.fizen.io.wallet\&hl=en\&gl=US) | [iOS](https://apps.apple.com/tr/app/fizen-wallet-gamefi-payment/id1621269508)) (recommended), Metamask or Trust Wallet to execute your refund transaction easily.
Alternatively, you can copy the receiving address and refund amount to any wallet of your choice to make the refund transaction.
When you’re done, click **Continue**
**Step 3.**
Input your notes (optional) and click **Confirm**.
By that, you have successfully marked your payment as refunded.
# Mark a payment as resolved
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/payments/mark-a-payment-as-resolved
Fizen Pay enables you to mark a payment whose status is UNDERPAID, OVERPAID, DELAYED, or MULTIPLE as resolved to help with management.
Also, you need to mark those payments as resolved or refunded in order to withdraw those funds to your wallet.
**Step 1**. Click on the payment you want to mark as resolved to open its **Payment details** page
Click **Mark as resolved**.
**Step 2**. Input your notes (optional) and click **Resolve**.
By that, you have successfully marked your payment as resolved.
# Payment details page
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/payments/payment-details-page
When you click on a payment on the [Payments ](https://merchant.fizen.io/dashboard/payments)page, its details page opens. You can copy the payment ID, payment link there. Depending on the status of the payment, you can mark it as resolved or refunded.
# Payment Statuses
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/payments/payment-statuses
\------ | ----------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------- |
\| PENDING | A payment transaction is detected on the blockchain, but has not been validated yet | You can mark this payment as refunded. |
\| COMPLETED | The payment was received, the received amount was equal to the original amount. | You can mark this payment as refunded. |
\| UNDERPAID | The payment was received, but the received amount was less than the original amount. | You can mark this payment as resolved or refunded. |
\| OVERPAID | The payment was received, but the received amount was more than the original amount. | You can mark this payment as resolved or refunded. |
\| DELAYED | The payment was received, but the payment transaction was detected later than 24 hours after the payment request was created. | You can mark this payment as resolved. |
\| MULTIPLE | More than one payment transaction was detected for the payment request. | You can mark this payment as resolved or refunded. |
\| RESOLVED | The invoice has been marked as resolved by you. | You can mark this payment as refunded instead (if you have not before). |
\| REFUNDED | The invoice has been marked as refunded by you. | You can mark this payment as resolved instead (if you have not before). |
# Payments
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/payments/payments
You can see the payments you have received on the [Payments ](https://merchant.fizen.io/dashboard/payments)page.
\- **Name**: shows the source of the payments (from your invoice/from your Ecommerce shop etc), Payment ID, and date & time of the last action of the payments.
\- **Received amount**: the actual amount paid by the customer for the payment request (which can be an invoice or an order from your Ecommerce shop).
\- **Original amount**: the original amount of the payment request.
\- **Status**: the status of the payment.
# Create a POS
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/point-of-sale-pos/create-a-pos
Before you start to create your first POS, please decide which crypto currency you want to receive for your invoice by going to [Crypto settings](https://merchant.fizen.io/dashboard/crypto-settings) page.
[Learn more about how to use the crypto settings page.](../crypto-settings.md)
After selecting your accepted crypto currencies, you can start creating your POS.
**Step 1**. In the [Points of sale](https://merchant.fizen.io/dashboard/pos) page, click on the Create new POS button on the right.
**Step 2**. Input your POS information:
\- **POS page header**
\- **Logo**
\- **Currency type**: If you choose Local currency, the your price will be listed as your local currency (eg. USD), and your customers can pay with any of the cryptos you set in [Crypto settings](https://merchant.fizen.io/dashboard/crypto-settings) page. If you choose Crypto currency, your price will be listed as the crypto currency you choose, and your customers can pay with that crypto currency only.
**Step 3**. Click **Save**
To get the QR code for your newly created POS, click on the QR icon next to it.
You can take a screenshot or download it as PNG file, print it out and stick it in front of your physical store for your customers to pay.
# Edit/Disable/Delete a POS
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/point-of-sale-pos/edit-disable-delete-a-pos
To edit your POS, click on the edit icon next to it.
To temporarily disable/enable your POS link/QR code, click on the disable/enable icon.
To permanently delete a POS, click on the delete icon then click **Confirm**
# Help your customers pay using a POS
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/point-of-sale-pos/help-your-customers-pay-using-a-pos
When you scan the QR code, you will go to the POS page.
**Step 1**. Input the payment amount, click **Pay**. The system will generate a payment page for you with that amount.
**Step 2**. You can send that payment page to your customer by choosing **Switch device**
**Step 3**. Let them scan the QR code and complete the payment.
Of course, your customer can scan the initial QR code and input the amount themselves, that’s okay too
# Point of Sale (POS)
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/point-of-sale-pos/point-of-sale-pos
You can manage your Points of sale in the [POS page](https://merchant.fizen.io/dashboard/pos)
See more:[ Create a POS](create-a-pos.md)
See more: [Help your customer pay using a POS](help-your-customers-pay-using-a-pos.md)
See more: [Edit/Disable/Delete a POS](edit-disable-delete-a-pos.md)
# Sign up
Source: https://docs.fizen.io/help-center/fizen-pay/for-merchants/sign-up
## Step 1. Go to [https://merchant.fizen.io/signup](https://merchant.fizen.io/signup)
Insert your email address, password and tick the checkbox.
Make sure that you have read the Terms of Use and Privacy Policy.
## Step 2. Check your mailbox
Find the email titled “Verify your email” sent from [no-reply@fizen.io](mailto:no-reply@fizen.io).
If you did not receive the email, you can click Resend at the bottom of the page.
Once you find the email, click the **Verify Email Address** button.
## Step 3. Sign in
Input email address and password you have set, then click **Sign in**.
## Step 4. Get approved
If you have not been whitelisted, you would be redirected to the following page.
In that case, please contact [business@fizen.io](mailto:business@fizen.io) to be put on the whitelist.
If you have been whitelisted, you would be directed to the Set up 2-step verification page after signing in.
## Step 5. Set up 2-step verification
Install a Google authenticator application, use the application to scan the QR code, then enter the code from the application.
### 5.1. Download one-time use backup codes
If you ever lose access to your 2-step verification device, you can use a backup code to sign in.
Click the **Download one-time use backup codes** button to download, then keep them somewhere secure.
Then, click **Continue**
## Step 6. Set up your crypto wallet
This is the wallet you will use to receive crypto payments from your customers. You will have full control over your wallet - Fizen Pay does not store your secret phrase/private key and cannot access the funds in it.
Please click the **Create wallet button**.
We will prompt you to prepare to write down your secret phrase.
A secret phrase is a sequence of 12 words that gives you access to the cryptocurrency that you have received. Anyone with your secret phrase can get access to your funds. To secure your funds, it is very important that you do not lose this secret phrase and do not reveal it to anyone.
Please click the **Show me my secret phase** button.
Write down your secret phase and save it somewhere safe. After that, tick the checkbox and click **OK, I’ve saved it securely** button.
To make sure you have saved your secret phrase correctly, select each word in the order it was presented to you on the previous screen to recreate your secret phrase.
If you forgot your secret phrase, click the ← button to go back.
After you have entered your secret phrase, click the **Verify secret phrase** button.
## Step 7. Go to dashboard
Congratulations, you have finished setting up your Fizen Pay account! Please click **Go to Dashboard** button to go to Fizen Pay dashboard.
# About Fizen
Source: https://docs.fizen.io/index
Fizen is your crypto neobank for travel and global life — spend USDT like cash with a Visa card, pay by QR in SEA, accept crypto with Fizen Pay, get eSIM, trade tokenized US stocks, send money internationally, and more.
## About Fizen
Fizen is the crypto neobank for travelers and global citizens. Spend USDT like cash, send money across borders, pay by QR, trade stocks — all in one app, powered by Visa and backed by Tether.
Load USDT → spend anywhere Visa works. Virtual card issued instantly.
iOS & Android. Manage card, send crypto, trade stocks — all in one app.
***
## What Fizen does
| Product | What it solves |
| - | - |
| **Fizen Card** | Spend USDT at any Visa terminal or online store worldwide |
| **Fizen QR Pay** | Pay at local merchants by scanning a QR code with USDT — great for SEA |
| **Fizen Super App** | Buy/sell crypto, send money internationally, get eSIM, top up phone, buy gift cards, trade tokenized US stocks & ETFs |
| **Fizen Pay** | Accept USDT payments at your store or website |
***
## Who uses Fizen
* **USDT holders** tired of losing 2–5% on every P2P conversion
* **Freelancers & remote workers** paid in crypto internationally
* **Media buyers & agencies** running ads on Meta, Google, TikTok
* **Travelers** across Southeast Asia, LATAM, and Eastern Europe
* **Merchants** who want to accept crypto from global customers
***
## Backed by Tether
Fizen is backed by **Tether** — the issuer of USDT and the world's largest stablecoin company. This strategic investment strengthens Fizen's mission to make USDT useful in real life — not just on exchanges.
[Read the full announcement →](https://tether.io/news/tether-announces-strategic-investment-in-fizen-to-strengthen-global-stablecoin-utilization-and-self-custody-solutions/?utm_source=docs_mintlify\&utm_medium=docs)
***
## Quick links
5 minutes. Virtual card instant.
iOS & Android — free
Accept crypto at your business
# Brand Guidelines
Source: https://docs.fizen.io/information/brand-guidelines
Official Fizen brand assets and usage guidelines.
Full brand kit — logos, colors, fonts, and usage guidelines
***
## Colors
| Name | Hex | Usage |
| - | - | - |
| **Fizen Purple** | `#6E3BFF` | Primary — buttons, links, highlights |
| **Fizen Cyan** | `#46E0E1` | Accent — secondary highlights |
| **Fizen Green** | `#C3FF6B` | Accent — success states |
| **White** | `#FFFFFF` | Text on dark backgrounds |
| **Dark Navy** | `#323A4C` | Body text, dark elements |
| **Black** | `#000000` | Headlines on light backgrounds |
***
## Typography
**Font:** Inter — all weights, all sizes.
***
## Logo
* Don't stretch, rotate, or recolor it
* Use white version on dark backgrounds, dark version on light
* Keep clear space around it — don't crowd it with other elements
***
## Voice
**Direct.** Say what you mean. Skip the filler.
**Trustworthy.** Back claims with facts. No vague promises.
**Simple.** If a non-crypto person can't understand it, rewrite it.
**No hype.** Specific numbers beat adjectives. "150M+ merchants" beats "massive global network."
***
For co-marketing or brand collaboration: [business@fizen.io](mailto:business@fizen.io)
# Contact & Community
Source: https://docs.fizen.io/information/contact-and-community
## Support
| Type | Contact |
| - | - |
| General support | [cs@fizen.io](mailto:cs@fizen.io) |
| Business & partnerships | [business@fizen.io](mailto:business@fizen.io) |
| In-app live chat | Available 24/7 inside the Fizen App |
***
## Community
Join the Fizen community — chat, ask questions, get help
News, updates, and community discussion
***
## Social Channels
@fizenapp
Fizen
@fizenapp
@fizen.io
Fizen
***
## Blog
Product updates, guides, crypto insights, and event announcements
# Cookie Policy
Source: https://docs.fizen.io/information/cookie-policy
Cookies and similar technologies on the Fizen Platform.
**Effective: 5 June 2026**
## 1. About this Cookie Policy
### 1.1 Who we are
This Cookie Policy is published by Fizen Limited, a company incorporated in Hong Kong with company number \[77059696] and registered office at Unit 1411, 14/F, Cosco Tower, 183 Queen's Road Central, Sheung Wan, Hong Kong (together with its Affiliates, "Fizen", "we", "us" or "our"). For contact details, see clause 10.
### 1.2 What this Policy covers
This Cookie Policy explains how Fizen uses cookies, pixels, software development kits (SDKs), local storage and similar technologies (collectively, "cookies") on the Fizen website at fizen.io, the Fizen mobile application, the Fizen browser extension (if and when made available) and any other Fizen-operated interface (together, the "Platform"). This Policy supplements the Fizen Privacy Policy, which describes more broadly how Fizen processes Personal Data.
### 1.3 Your choices in summary
* **Strictly necessary cookies** are required for the Platform to function. They do not require your consent.
* **Functional, analytics, marketing and advertising cookies** are set only with your consent.
* You can give, refuse or withdraw consent at any time via the cookie banner on first visit or via the cookie preferences centre accessible from the Platform.
* You can also control cookies through your browser settings.
* In the **United States**, you may opt out of the "sale" or "sharing" of personal information via the "Do Not Sell or Share My Personal Information" link in the footer (where displayed on the Platform). We honour the **Global Privacy Control (GPC)** signal as a valid opt-out.
### 1.4 How to contact us about cookies
For any cookie-related question, request or complaint, contact our legal team at [legal@fizen.io](mailto:legal@fizen.io). For general support, you may also use the in-app live chat. Contact details are also set out in clause 10.
## 2. What Are Cookies and Similar Technologies?
A "cookie" is a small text file that a website places on your device when you visit it. Cookies are widely used to make websites work or work more efficiently, to remember your preferences, and to provide information to the operators of the site.
Similar technologies covered by this Policy include:
* **Pixels** (also called web beacons) — small graphical files that can be embedded in a web page or email to track interactions.
* **Software Development Kits (SDKs)** — pieces of code in mobile apps that perform functions similar to cookies on websites.
* **Local storage** — data stored by the browser or app on your device (HTML5 local storage, IndexedDB, app storage).
* **Device identifiers** — identifiers assigned to your device (advertising IDs such as IDFA on iOS or AAID on Android).
* **Browser fingerprinting** — techniques that identify your device based on a combination of characteristics.
References to "cookies" in this Policy include all of these technologies, except where the context indicates otherwise.
## 3. Categories of Cookies We Use
### 3.1 Strictly necessary cookies
These cookies are required for the Platform to function and cannot be switched off. They are usually set in response to actions made by you that amount to a request for service, such as logging in, completing a form, or persisting your consent choices. They include:
* **Authentication** — cookies that keep you signed in to your Fizen account, identify your session, and protect against session hijacking.
* **Security** — cookies that detect fraud, support multi-factor authentication, store CSRF tokens and similar.
* **Load balancing and routing** — cookies that direct your traffic to the correct server.
* **Consent storage** — cookies that record your choices in the cookie banner and preferences centre.
* **Functionality required to deliver Services** — cookies that are necessary to operate the core Fizen Wallet, Card, QR Pay, Pay, Marketplace, Swap and Rewards Program features.
These cookies do not require your consent under Applicable Privacy Law because they are strictly necessary for a service you have explicitly requested.
### 3.2 Functional cookies
These cookies enable enhanced functionality and personalisation, such as remembering your language, currency, dark-mode preference, recently viewed Marketplace Items, and similar. If you do not allow these cookies, some functionality will be unavailable or less smooth.
### 3.3 Analytics cookies
These cookies help us understand how visitors and users interact with the Platform so we can measure performance, identify popular content, and improve the Platform. They include first-party analytics cookies and cookies from third-party analytics providers identified in the inventory in clause 6.
### 3.4 Marketing and advertising cookies
These cookies and pixels are set by Fizen and by our advertising partners to deliver advertising that is more relevant to your interests, to measure the effectiveness of advertising campaigns, and to support attribution. They include cookies that allow us to build a profile of your interests and show relevant adverts on other sites. They may share information with third-party advertising platforms (including, where you have consented, Meta, Google, TikTok, X, and similar). These cookies may constitute a "sale" or "share" under US state privacy laws — see clause 4.3.
## 4. Consent and Your Choices
### 4.1 How we obtain consent
When you first visit the Platform, we display a cookie consent banner. The banner allows you to (a) accept all cookies, (b) reject all non-essential cookies, with the same prominence as "accept", or (c) customise your choices for each category. Your choices are stored and you can change them at any time through the cookie preferences centre accessible from the Platform. Withdrawing consent is as easy as giving consent.
### 4.2 EEA, UK and other opt-in regimes
If you are located in the European Economic Area, the United Kingdom, Switzerland, or another jurisdiction that requires prior consent for non-essential cookies, we will set such cookies only after you have indicated your consent through the banner or preferences centre. You can withdraw consent at any time. Withdrawal does not affect the lawfulness of processing before withdrawal.
### 4.3 California and other US state privacy laws
Under the California Consumer Privacy Act as amended by the CPRA, and similar US state laws (Virginia VCDPA, Colorado CPA, Connecticut CTDPA, Utah UCPA, Texas TDPSA, Oregon OCPA, Montana CDPA and others), our use of marketing and advertising cookies may constitute a "sale" or "share" of personal information. You may opt out at any time by:
* clicking the **"Do Not Sell or Share My Personal Information"** link in the footer of the Platform (where displayed);
* configuring your cookie preferences in the cookie banner or preferences centre to reject marketing and advertising cookies; or
* sending a **Global Privacy Control (GPC)** signal from your browser; we respect GPC as a valid opt-out.
### 4.4 Browser controls
Most browsers let you control cookies through their settings (block all, block third-party, delete on exit, do-not-track, and similar). You can also use private/incognito mode. Doing so may limit Platform functionality, including signing in to your account.
### 4.5 Mobile device controls
On iOS, you can reset your advertising identifier or limit ad tracking under Settings → Privacy & Security → Tracking; on Android, under Settings → Privacy → Ads. You can also disable cross-app tracking through the App Tracking Transparency framework on iOS.
### 4.6 Industry opt-outs
You can opt out of interest-based advertising from many third-party advertising partners through industry tools, including:
* YourAdChoices (Digital Advertising Alliance, US) — [https://youradchoices.com/](https://youradchoices.com/)
* European Interactive Digital Advertising Alliance (EDAA) — [https://www.youronlinechoices.eu/](https://www.youronlinechoices.eu/)
* Network Advertising Initiative — [https://thenai.org/opt-out/](https://thenai.org/opt-out/)
### 4.7 Browser "Do Not Track"
Some browsers transmit a "Do Not Track" (DNT) signal. There is no industry standard for how DNT should be interpreted, and we do not currently respond to DNT signals (other than as required by Applicable Law). We do, however, respect the Global Privacy Control (GPC) signal as set out above.
## 5. First-Party and Third-Party Cookies
**First-party cookies** are set by Fizen and used to deliver and improve the Platform.
**Third-party cookies** are set by other parties whose services are integrated into the Platform — including analytics providers, advertising partners, fraud-detection providers, customer-support tools, and content delivery networks. Third-party cookies are governed by the third party's own privacy and cookie notices. We list the principal third parties whose cookies we set on the Platform in the inventory in clause 6. The third party is the data controller in respect of the data those cookies collect; you should refer to the third party's privacy policy for more information.
## 6. Cookie Inventory
The table below lists the principal cookies we use, by category. This inventory is updated when our cookie set changes.
This inventory is a template. Engineering must run a cookie audit (using a CMP vendor or a tool such as OneTrust, Cookiebot, Iubenda, Termly, Osano) and replace the placeholder rows with the actual cookies in use on the Platform before publication.
| Cookie / SDK | Provider | Category | Purpose | Retention |
| - | - | - | - | - |
| \[session\_id] | Fizen (first-party) | **Strictly necessary** | Maintain your authenticated session | Session |
| \[csrf\_token] | Fizen (first-party) | **Strictly necessary** | Protect against cross-site request forgery | Session |
| \[cookie\_consent] | Fizen (first-party) | **Strictly necessary** | Store your cookie consent choices | 12 months |
| \[geo\_route] | Fizen (first-party) | **Strictly necessary** | Route you to the correct regional infrastructure | Session |
| \[language\_pref] | Fizen (first-party) | **Functional** | Remember your selected language | 12 months |
| \[currency\_pref] | Fizen (first-party) | **Functional** | Remember your selected currency | 12 months |
| \[theme\_pref] | Fizen (first-party) | **Functional** | Remember dark / light mode preference | 12 months |
| \[\_ga / *ga*\*] | Google Analytics 4 (third-party) | **Analytics** | Distinguish users for usage analytics | 13 months |
| \[amplitude\_\*] | Amplitude (third-party) | **Analytics** | Behavioural analytics and funnel measurement | 12 months |
| \[mixpanel\_\*] | Mixpanel (third-party) | **Analytics** | Behavioural analytics and event tracking | 12 months |
| \[\_fbp / fr] | Meta (third-party) | **Marketing / Advertising** | Attribution and conversion measurement for Meta advertising | Up to 13 months |
| \[\_gads / IDE] | Google Ads (third-party) | **Marketing / Advertising** | Personalised advertising on Google network and conversion measurement | Up to 13 months |
| \[\_ttp] | TikTok Pixel (third-party) | **Marketing / Advertising** | Attribution and conversion measurement for TikTok advertising | Up to 13 months |
| \[lin\_\*] | LinkedIn Insight Tag (third-party) | **Marketing / Advertising** | Attribution and conversion measurement for LinkedIn advertising | Up to 13 months |
| \[X (Twitter) pixel] | X (third-party) | **Marketing / Advertising** | Attribution and conversion measurement | Up to 13 months |
| \[appsflyer\_id] | AppsFlyer (third-party, in app) | **Marketing / Advertising** | Mobile-app attribution and install measurement | Per AppsFlyer terms |
| \[fraud\_signal\_\*] | Third-party fraud-detection provider | **Strictly necessary** | Detect and prevent account takeover, payment fraud and abuse | Session to 12 months |
| \[support\_chat\_\*] | Customer-support provider | **Functional** | Maintain customer support conversations | 30 days to 12 months |
## 7. International Transfers Through Cookies
Some of the third-party cookie providers listed above are established outside your jurisdiction. Where their cookies cause Personal Data to be transferred internationally, the transfer is governed by the same safeguards Fizen has put in place for international transfers generally, as described in the Fizen Privacy Policy. For third-party cookies set by third-party controllers, the third party's own safeguards apply.
## 8. Children
The Platform is not intended for individuals under 18. We do not knowingly use cookies to profile minors. If we become aware that we have collected information through cookies about an individual below the applicable age threshold, we will delete that information as soon as reasonably practicable. Further detail is set out in the Fizen Privacy Policy.
## 9. Changes to this Cookie Policy
We may update this Cookie Policy from time to time as our cookie set or Applicable Privacy Law changes. Non-material changes (clarifications, updates to the inventory in line with engineering changes) take effect on posting. Material changes (changes to the categories of cookies we use, the legal bases on which we rely, or your choices) take effect no earlier than thirty (30) days after we have notified you via the cookie banner, in-app notification or email.
## 10. Contact
* **Legal (including all data-protection and cookie-related matters):** [legal@fizen.io](mailto:legal@fizen.io)
* **General support:** in-app live chat
# Disclaimer
Source: https://docs.fizen.io/information/disclaimer
Fizen provides cryptocurrency-related services including a digital wallet, payment gateway, and prepaid Visa card. Please read this disclaimer carefully before using our services.
***
## Not financial advice
Nothing on the Fizen platform constitutes financial, investment, legal, or tax advice. You should consult with appropriate professional advisors before making any financial decisions.
***
## Cryptocurrency risks
* Cryptocurrency markets are volatile — values can change significantly in short periods
* Transactions on the blockchain are **irreversible** — always verify details before confirming
* You are solely responsible for the security of your private keys and wallet access
***
## Regulatory compliance
Fizen operates within applicable regulatory frameworks. Service availability may vary by country and jurisdiction. It is your responsibility to ensure that your use of Fizen complies with the laws of your jurisdiction.
***
## No liability
Fizen is not responsible for:
* Losses resulting from market volatility
* Unauthorized access due to compromised credentials
* Errors caused by incorrect wallet addresses entered by the user
* Third-party platform decisions (e.g., payment declines, platform bans)
***
For legal inquiries: [cs@fizen.io](mailto:cs@fizen.io)
# Terms of Use
Source: https://docs.fizen.io/information/terms-of-use
*Last Updated: March 11, 2026*
## Introduction
Welcome to Fizen.io. The Fizen Platform is operated by Fizen ("Fizen", "we", "us", or "our") and is accessible via our website, mobile application, and any linked applications.
We provide the following services (collectively, the "Services"): (i) Fizen Wallet — a decentralized non-custodial digital wallet; (ii) Fizen Pay — a crypto payment gateway; (iii) Fizen Card — a USDT-funded USD Visa prepaid card; (iv) Fizen QR Pay — a QR-based crypto payment solution; and (v) other related services.
By registering an account or using any Service, you confirm you have read, understood, and agreed to these Terms. If you do not agree, stop using the Platform immediately.
We may update these Terms at any time. Continued use after changes are posted constitutes acceptance. Review these Terms regularly.
***
## Eligibility
By using our Services, you confirm that:
* You are at least 18 years old with full legal capacity, or authorized to bind a legal entity to these Terms
* Your use does not violate any applicable laws in your jurisdiction
***
## The Services
### Fizen Wallet (Non-Custodial Digital Wallet)
A decentralized wallet that lets you create wallet addresses, send, receive, store, exchange, and manage Digital Assets; interact with dApps; pay for products and services; and exchange fiat for crypto via integrated third-party providers.
**Important:** You are solely in control of your wallet and all assets in it. Fizen cannot access, freeze, or interfere with your wallet or transactions. If you lose your private key, Fizen cannot recover it.
### Fizen Pay (Crypto Payment Gateway)
A payment gateway for merchants to accept crypto, track payments, and withdraw Digital Assets. Requires registration with a valid email. A non-custodial wallet is created for your payment smart contract.
### Fizen Card (USD Visa Prepaid Card)
A USD Visa prepaid card funded by USDT or USDC — spend anywhere Visa is accepted, online and in-store. Card issuance is subject to KYC requirements and geographic restrictions. Fizen is not liable for declined transactions due to insufficient balance.
### Fizen QR Pay (USDT QR Payment)
A QR-based payment solution currently available in Vietnam and the Philippines. Lets you pay at participating merchants in local currency using your USDT balance. Exchange rates are disclosed at time of payment. Fizen is not responsible for the quality of goods or services from participating merchants.
### Other Services
Fizen connects you with crypto partners offering P2P marketplaces and on/off-ramp tools. All P2P and on/off-ramp processes — including AML and KYC compliance — are handled by our partners, not by Fizen.
***
## Users Account & Responsibilities
### Account Registration
You must keep all account information accurate, current, and complete. Keep your password confidential. You are solely responsible for all activity under your account. Notify us immediately if you suspect unauthorized access.
We may suspend or disable your account if you breach these Terms, damage our Services, or if required by law.
### Identity Verification (KYC)
You must provide accurate identification documents when registering. Update information promptly if it changes. Failure to provide required information may result in account suspension or service restriction.
### Your Use and Representations
By using the Services, you agree that:
* Your use does not violate any applicable laws
* All information you provide is accurate and complete
* You will comply with these Terms and all applicable laws
**Prohibited Acts** — you must not:
* Use the Platform for unauthorized, illegal, or fraudulent purposes including money laundering, terrorist financing, illegal gambling, or weapons trading
* Access other users' accounts or use another person's account information
* Use Platform information to harm, abuse, or defraud any person
* Circumvent, disable, or interfere with Platform security features
* Upload viruses, malware, Trojans, or other harmful software
* Copy, modify, or create derivative works of the Services without consent
* Distribute, license, transfer, or sell any part of the Services without authorization
* Use the Services for spam, unsolicited advertising, or solicitation
* Interfere with the proper functioning of the Platform or connected networks
* Appear on any trade embargo or economic sanctions list including the UN Security Council Sanctions List, U.S. OFAC Specially Designated Nationals List, or U.S. Department of Commerce Denied Persons List
Violations may result in immediate account suspension or termination, asset freeze, removal of content, or reporting to relevant authorities.
### Account Security
You are solely responsible for safeguarding your account. Change your password regularly. Report suspicious activity immediately. **Fizen will never ask for your password.**
***
## Fees and Payment
Fizen reserves the right to charge service fees, communicated via Platform notices or account messages. You agree to pay all applicable fees before using the relevant Services. Fees may be adjusted at any time.
***
## API Limitation
We grant you a limited, personal, non-transferable, revocable license to access our APIs to support your use of the Services. We may limit or reject API access if usage exceeds thresholds, is inconsistent with these Terms, or violates applicable laws. Fizen is not liable for damages arising from API limitations.
***
## Termination
Your account may be terminated:
* **By Fizen:** for serious breach of these Terms; if required by court or authority; or if you (as an entity) have ceased operations or entered insolvency proceedings
* **By you:** at any time upon request
Upon termination, your right to use the Services ceases immediately. If a remaining balance exists in your Fizen Wallet, contact us to request recovery, unless prohibited by law or court order. You remain liable for all transactions made while your account was open.
***
## Third-Party Sites & Services
The Platform may include links to third-party websites or integrations. Fizen is not the provider of those offerings and has no control over them. Use of Third-Party Sites and Services is at your own risk.
***
## Intellectual Property
All Fizen Platform content — including APIs, source code, software, designs, graphics, trademarks, and logos — is proprietary to Fizen and protected by intellectual property laws. You may not copy, reproduce, distribute, sell, or commercially exploit any part without express prior written permission.
**Limited License:** You are granted a limited, non-exclusive, non-transferable license to view and use the Platform solely for permitted personal use.
**User Content:** By submitting content to the Platform, you grant Fizen the right to use, modify, reproduce, and distribute that content as necessary to provide the Services. You are solely responsible for all content you submit.
***
## Disclaimers
Fizen has no control over and no duty to act regarding:
* Failures or delays in processing Digital Assets
* Hardware, software, or internet failures
* Malicious software introduced into the Services
* Unauthorized third-party access to your account
* Other unexpected risks during use of the Platform
By using the Services, you release Fizen from all liability relating to the above.
***
## Indemnity
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Fizen and its subsidiaries, affiliates, officers, directors, agents, employees, and lawyers from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from: your use of the Platform; your breach of these Terms; your violation of any law or third-party rights; or your negligent or willful misconduct.
***
## Limitation of Liability
To the fullest extent permitted by law, Fizen and its affiliates shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or compensatory damages of any kind arising from: your use of or inability to use the Platform; unauthorized access to your data; third-party conduct on the Platform; technical malfunctions or service interruptions; or any other matter relating to the Platform or Services.
**Aggregate Liability Cap:** Fizen's total aggregate liability shall not exceed USD 1,000 or its equivalent in local currency.
***
## Taxation
You are solely responsible for reporting and paying any taxes arising from your use of the Services, as required by the laws of your jurisdiction.
***
## Miscellaneous
**Notices:** Delivered via Platform posting, account message, or registered email. It is your responsibility to keep contact information current.
**Severability:** If any provision is found unenforceable, remaining provisions remain in full force.
**No Waiver:** Failure to enforce any right does not constitute a waiver.
**Assignment:** We may assign these Terms at any time. You may not assign without our prior written consent.
**Force Majeure:** Fizen is not liable for failures caused by events beyond our reasonable control, including acts of God, terrorism, war, labor disputes, cyber-attacks, natural disasters, pandemics, or government orders.
**Governing Law:** These Terms are governed by the laws of Hong Kong.
**Dispute Resolution:** Disputes shall be resolved by arbitration under the Singapore International Arbitration Centre (SIAC) rules. Place of arbitration: Singapore. Language: English.
**Language:** These Terms are in English. In case of inconsistency with any translation, the English version prevails.
**Contact:** [cs@fizen.io](mailto:cs@fizen.io) or via in-app live chat.
# Master Terms of Use
Source: https://docs.fizen.io/master-terms-of-use
Master terms applicable to the Fizen Wallet and all Services on the Fizen Platform.
**Effective: 5 June 2026**
## Important Notice
PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE FIZEN PLATFORM.
FIZEN LIMITED IS NOT A BANK, NOT AN E-MONEY INSTITUTION, NOT A LICENSED PAYMENT INSTITUTION, NOT A REGISTERED MONEY TRANSMITTER, NOT A BROKER-DEALER AND NOT A LICENSED SECURITIES EXCHANGE. FIZEN DOES NOT REPRESENT THAT IT HOLDS ANY FINANCIAL-SERVICES OR VIRTUAL-ASSET-SERVICE LICENCE, REGISTRATION OR AUTHORISATION UNLESS EXPRESSLY DISCLOSED IN THESE TERMS OR THE APPLICABLE PRODUCT TERMS. WHERE A REGULATED ACTIVITY IS PERFORMED BY A PARTNER, THAT PARTNER PERFORMS THE ACTIVITY UNDER ITS OWN LICENCE OR AUTHORISATION AND TERMS.
FIZEN'S ROLE VARIES BY SERVICE. DEPENDING ON THE APPLICABLE PRODUCT TERMS, FIZEN MAY ACT AS A SOFTWARE PROVIDER OR INTERFACE, A SELLER OR PROCURER, OR A CONTRACTUAL PRINCIPAL THAT ACQUIRES A DIGITAL ASSET FOR ITS OWN ACCOUNT AND INCURS A CORRESPONDING CONTRACTUAL OBLIGATION TO YOU.
THE FIZEN WALLET IS A NON-CUSTODIAL, SELF-HOSTED SOFTWARE WALLET. FIZEN DOES NOT HOLD YOUR DIGITAL ASSETS OR PRIVATE KEYS WHEN YOU USE THE FIZEN WALLET. IF YOU LOSE YOUR PRIVATE KEY, FIZEN CANNOT RECOVER IT.
THE FIZEN CARD CURRENTLY OPERATES AGAINST A CUSTODIAL BALANCE HELD AND RECORDED BY FIZEN, AS DESCRIBED IN THE FIZEN CARD TERMS. YOUR CARD BALANCE IS NOT A SELF-CUSTODIED ASSET OR A BANK DEPOSIT AND IS NOT PROTECTED BY A GOVERNMENTAL DEPOSIT-PROTECTION SCHEME.
FIZEN QR PAY OPERATES UNDER A PRINCIPAL-COUNTERPARTY MODEL. WHEN FIZEN ACCEPTS A SUPPORTED DIGITAL ASSET TRANSFER FOR QR PAY, YOU SELL AND TRANSFER LEGAL AND BENEFICIAL OWNERSHIP OF THAT DIGITAL ASSET TO FIZEN. FIZEN DOES NOT HOLD THE ACCEPTED DIGITAL ASSET IN CUSTODY, ON TRUST OR IN A SEGREGATED ACCOUNT FOR YOU. IN EXCHANGE, FIZEN RECORDS A QR PAY BALANCE REPRESENTING AN UNSECURED CONTRACTUAL PAYMENT OBLIGATION OWED BY FIZEN TO YOU.
A QR PAY BALANCE IS NOT A BANK DEPOSIT, E-MONEY ACCOUNT, CUSTODIAL WALLET OR OWNERSHIP INTEREST IN ANY DIGITAL ASSET, WALLET, SMART CONTRACT, BANK ACCOUNT OR PARTNER PREFUND. IT IS NOT PROTECTED BY ANY GOVERNMENTAL DEPOSIT-PROTECTION OR INVESTOR-COMPENSATION SCHEME. IF FIZEN BECOMES INSOLVENT OR IS OTHERWISE UNABLE TO PERFORM ITS OBLIGATIONS, YOU MAY LOSE SOME OR ALL OF YOUR QR PAY BALANCE AND MAY RANK ONLY AS A GENERAL UNSECURED CREDITOR.
THE USE OF DIGITAL ASSETS AND BLOCKCHAIN TECHNOLOGY INVOLVES SIGNIFICANT RISKS, INCLUDING THE RISK OF TOTAL LOSS. THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE, A CLASS-ACTION WAIVER AND LIMITATIONS OF LIABILITY THAT MATERIALLY AFFECT YOUR RIGHTS.
By accessing, downloading, installing or using the Fizen Platform, you confirm that you have read, understood and agreed to be bound by these Master Terms of Use (the "Terms"). If you do not agree, you must not use the Platform.
## 1. About these Terms
### 1.1 The contracting parties
These Terms form a binding agreement between you ("you" or "User") and Fizen Limited, a company incorporated in Hong Kong with company number \[77059696] and registered office at Unit 1411, 14/F, Cosco Tower, 183 Queen's Road Central, Sheung Wan, Hong Kong (together with its Affiliates, "Fizen", "we", "us" or "our").
### 1.2 The documentary stack
These Terms operate as the master terms for the Fizen Platform. They are supplemented by, and must be read together with: (a) the Fizen Privacy Policy; (b) the Fizen Cookie Policy; (c) the product-specific terms Fizen publishes from time to time, including the Fizen Card Terms, Fizen Pay Merchant Terms, Fizen QR Pay Terms, Fizen Marketplace Terms, Fizen Swap & Conversion Terms, Fizen Tokenized Securities Terms, Fizen Rewards Program Terms and Fizen Promotions Master Terms (collectively, the "Product Terms"); and (d) any community guidelines, fee schedules and acceptable-use policies Fizen publishes.
Each document is incorporated into these Terms by reference. If there is a conflict between these Terms and a Product Terms document, the Product Terms prevail only in relation to the Service governed by that Product Terms document.
### 1.3 Updates to these Terms
Where permitted by Applicable Law, non-material changes take effect when posted. Material changes, including changes to fees, dispute resolution, governing law, limitation of liability, indemnity, prohibited acts, categories of Personal Data processed, or the legal nature, denomination or method of discharging a balance or contractual obligation, take effect thirty (30) days after Fizen has notified you by (i) email to the address associated with your account and (ii) prominent in-app notice.
If you do not accept a material change, you may stop using the affected Service and terminate your use of the Platform before the change takes effect. Any remaining balance or contractual obligation will be handled under the applicable Product Terms, subject to pending transactions, fees, corrections, compliance reviews and Applicable Law. Continued use after the effective date constitutes acceptance to the extent permitted by Applicable Law.
## 2. Fizen's Role and Partner Reliance
### 2.1 Fizen's role varies by Service
Fizen operates the Fizen Platform and the software interfaces through which the Services are made available. Fizen's contractual and operational role varies by Service and is described in the applicable Product Terms.
Depending on the Service, Fizen may act as:
* a software provider or interface connecting you with a Third-Party Service;
* a seller, supplier, procurer or service provider in its own right; or
* a contractual principal that acquires a Digital Asset for its own account and incurs a corresponding contractual obligation to you.
For Fizen QR Pay, Fizen acts as principal when it accepts a supported Digital Asset from you and records the corresponding QR Pay Balance obligation. Fizen does not accept that Digital Asset as your custodian, trustee, escrow agent, fiduciary or agent. The applicable Local Payment Partner performs the local payment-processing and fiat-settlement activities allocated to it, as described in the Fizen QR Pay Terms.
Fizen does not represent that it is licensed to conduct any regulated activity for which it does not hold the required licence, registration or authorisation. Where a regulated activity is performed by a partner, that partner performs the activity under its own licence or authorisation and terms. Nothing in these Terms constitutes a representation that an activity is unregulated, exempt or outside the scope of Applicable Law. The legal and regulatory treatment of each Service depends on its actual operation and the Applicable Law in the relevant jurisdiction.
### 2.2 Partners and Third-Party Services
Certain Services depend on or provide access to independent partners and Third-Party Services. The principal categories of partners as at the date of these Terms include:
* **Card Issuer** — the regulated financial institution that issues the Fizen Card under licence from Visa, as identified in the applicable Issuer Cardholder Agreement;
* **On-ramp and off-ramp providers, including Transak** — third-party providers that perform supported fiat on-ramp and off-ramp activities in jurisdictions in which they make those services available;
* **Ondo Finance** — the issuer of certain tokenized securities accessible through the Tokenized Securities feature;
* **Decentralised exchange aggregators, including KyberSwap and 1inch** — third-party protocols or interfaces used as execution venues for certain in-Wallet swaps;
* **Local Payment Partners** — banks, payment institutions, payment intermediaries or other providers that support payment processing or local fiat settlement for Fizen QR Pay in a particular market; and
* **Marketplace Suppliers** — gift-card, eSIM, mobile top-up, hotel, flight and other suppliers or aggregators that supply items made available through the Fizen Marketplace.
Each partner is responsible for the activities allocated to it under the relevant arrangement and, where applicable, performs regulated activities under its own licence or authorisation. A partner's terms may apply where they are presented to you or are otherwise binding on you.
Fizen's role is not necessarily limited to operating the user interface. The applicable Product Terms describe whether Fizen acts as a software provider, contractual principal, seller, procurer, obligor or in another disclosed capacity. For QR Pay, Fizen's acceptance of Digital Assets and its QR Pay Balance obligation are separate from the local fiat payment-processing and settlement activities performed by Local Payment Partners.
Fizen does not warrant the performance, solvency or continued availability of any partner, but nothing in this clause excludes an obligation expressly undertaken by Fizen under these Terms or the applicable Product Terms.
### 2.3 Fizen's licensing status
As at the effective date of these Terms, Fizen Limited does not represent that it holds any financial-services or virtual-asset-service licence, registration or authorisation except where expressly disclosed in these Terms or the applicable Product Terms. Any application, proposed application or admission process for a licence, registration, authorisation or regulatory sandbox does not itself confer regulatory approval unless and until the relevant authority confirms otherwise.
Fizen may apply for, obtain or become required to hold licences, registrations or authorisations in the future. Fizen will update these Terms or the applicable Product Terms where required. The description of a transaction as a sale, transfer, contractual obligation or principal transaction does not determine its regulatory classification, which depends on Applicable Law and the substance of the relevant Service.
## 3. Self-Custody, Custodial-Balance and Principal-Counterparty Services
The Platform includes Services with materially different legal and operational arrangements. Depending on the Service, you may retain self-custody, Fizen may hold assets or a balance for you, or you may transfer ownership of a Digital Asset to Fizen in exchange for a contractual obligation. You should understand which model applies before using a Service.
### 3.1 Non-custodial Services (you retain self-custody)
* **Fizen Wallet** — your Private Key is generated on your device and is not transmitted to or stored by Fizen. Fizen cannot independently access, freeze or move Digital Assets in your Fizen Wallet.
* **Fizen Swap** — Swaps are executed on-chain through independent decentralised exchange aggregators using transactions that you authorise with your own Private Key. Fizen does not hold the Digital Assets in transit.
* **Fizen Marketplace** — when you make a crypto payment for a specific Order, the payment is a one-off transaction relating to that Order. Fizen does not maintain a general Marketplace balance for you.
* **Fizen Tokenized Securities** — supported transactions are executed through the arrangements described in the relevant Product Terms and, where applicable, settle to your own Fizen Wallet. Fizen does not custody tokenized securities unless expressly stated otherwise.
* **Fizen Pay for merchants** — the ownership and control of a merchant settlement smart contract or wallet are described in the applicable Fizen Pay terms and technical arrangement.
* **Fizen on-ramp and off-ramp services** — the relevant third-party provider is the counterparty for the activity allocated to it. Fizen does not hold fiat unless the applicable Product Terms expressly state otherwise.
### 3.2 Custodial-balance Services (Fizen holds assets or a balance for you)
* **Fizen Card** — under the current Fizen Card model, you transfer USDT to a Fizen-controlled wallet, Fizen pools the relevant assets and records your individual Card balance in its internal ledger. Your Card balance is a personal claim against Fizen and not a self-custodied asset. The complete legal and operational arrangement is described in the Fizen Card Terms and applicable issuer or partner agreement.
Unless expressly stated in updated Product Terms, QR Pay is not a Custodial-balance Service under these Terms.
### 3.3 Principal-counterparty Services (you transfer ownership to Fizen)
* **Fizen QR Pay** — when Fizen accepts a funding transfer under the Fizen QR Pay Terms, the transaction is a sale and absolute transfer of legal and beneficial ownership of the accepted Digital Asset to Fizen. Fizen receives and thereafter holds or uses that Digital Asset for its own account, not as your custodian, trustee, escrow agent, fiduciary or agent.
* In exchange, Fizen records a QR Pay Balance representing an unsecured contractual payment obligation owed by Fizen to you. The QR Pay Balance may be applied toward eligible merchant payments or discharged through withdrawal where available, subject to the Fizen QR Pay Terms.
* You have no ownership, beneficial, trust, security or proprietary interest in the Digital Assets transferred to Fizen or in any wallet, smart contract, bank account, Local Payment Partner account or prefund maintained by Fizen.
* Fizen may use its own assets, including amounts prefunded to Local Payment Partners, to support merchant settlement. Those assets and prefunds belong to Fizen and are not held for individual Users.
### 3.4 Consequences and risks of the different models
For a non-custodial Service:
* you retain control of your Private Key and Digital Assets;
* Fizen generally cannot recover your Private Key or reverse an authorised Blockchain transaction; and
* loss or compromise of your credentials may result in permanent loss.
For a Custodial-balance Service such as the current Fizen Card model:
* you rely on Fizen to maintain and honour the relevant balance;
* the balance is not a bank deposit and is not protected by a governmental deposit-protection scheme;
* Fizen may have technical control over assets associated with the Service; and
* the complete custody, withdrawal, insolvency and risk arrangements are set out in the applicable Product Terms.
For a Principal-counterparty Service such as QR Pay:
* ownership of an accepted Digital Asset passes to Fizen;
* the transferred Digital Asset is not segregated or held for you;
* your QR Pay Balance is an unsecured contractual claim against Fizen, not an ownership interest in an asset;
* Fizen may restrict the use or discharge of the obligation where permitted or required by Applicable Law;
* if Fizen becomes insolvent or unable to perform, you may recover less than the full QR Pay Balance or nothing; and
* payments, withdrawals, refunds, settlement and discharge of the obligation are governed by the Fizen QR Pay Terms.
## 4. Definitions
In these Terms, the following capitalised terms have the meanings set out below. Other capitalised terms are defined where they first appear or in the applicable Product Terms.
* **"\$FIZEN"** — the Digital Asset proposed to be issued by Fizen or an Affiliate as Fizen's native token. As at the effective date of these Terms, \$FIZEN has not been launched.
* **"Affiliate"** — any entity that directly or indirectly controls, is controlled by, or is under common control with Fizen.
* **"Applicable Law"** — any law, statute, regulation, rule, order, judgment or other binding requirement of any governmental, regulatory or judicial authority that applies to a party, a Service or a transaction.
* **"Blockchain"** — a public, permissionless or other supported distributed ledger that records transactions in Digital Assets, including Ethereum, Bitcoin, Solana, BNB Smart Chain, Polygon, Tron, Arbitrum, Optimism, Base and other Blockchains Fizen supports from time to time.
* **"Custodial-balance Service"** — a Service in which Fizen holds or controls assets or maintains a balance for a User under the applicable Product Terms. As at the effective date of these Terms, the current Fizen Card model is a Custodial-balance Service.
* **"Digital Asset"** — any cryptographically secured digital representation of value, rights or contractual claims that is transferable, storable or tradeable using distributed ledger technology, including native Blockchain tokens, fungible tokens, stablecoins, non-fungible tokens and tokenized real-world assets.
* **"Fizen Wallet"** — the non-custodial software wallet generated and managed through the Fizen mobile application or website.
* **"Local Payment Partner"** — a bank, payment institution, payment intermediary or other provider that supports payment processing or local fiat settlement for QR Pay in a particular market, as identified in the app or applicable Product Terms.
* **"Personal Data"** — has the meaning given in the Fizen Privacy Policy.
* **"Platform"** — the Fizen mobile application, the Fizen website at fizen.io, the Fizen APIs and any other Fizen-operated interface.
* **"Principal-counterparty Service"** — a Service in which Fizen acquires a Digital Asset for its own account and incurs a corresponding contractual obligation to the User under the applicable Product Terms. Fizen QR Pay is a Principal-counterparty Service.
* **"Private Key"** — the cryptographic private key, seed phrase or other access credential that controls access to a Wallet.
* **"Product Terms"** — the product-specific terms Fizen publishes for a Service, as described in clause 1.2.
* **"QR Pay Balance"** — the balance recorded by Fizen under the Fizen QR Pay Terms, legally representing Fizen's unsecured contractual payment obligation to the relevant User and not Digital Assets held for that User.
* **"Services"** — the services Fizen makes available through the Platform, including Fizen Wallet, Fizen Card, Fizen Pay, Fizen QR Pay, Fizen Marketplace, Fizen Swap & Conversion, Fizen Tokenized Securities, Fizen Rewards Program and any other Service Fizen makes available from time to time.
* **"Third-Party Service"** — any service, application, smart contract, website, exchange, on-ramp or off-ramp provider, oracle, bridge, protocol or other product not operated by Fizen but accessed, used or integrated through the Services.
* **"User Content"** — any information, text, image, feedback or other content that you submit, upload, publish or otherwise make available through the Platform, excluding Personal Data processed solely under the Fizen Privacy Policy.
## 5. Eligibility and Your Representations
### 5.1 Available where lawful
The Services are made available to you only where the relevant Service can lawfully be used by you in your jurisdiction. Not all Services are available in all jurisdictions. Eligibility for each Service may be determined at onboarding and verified on an ongoing basis using KYC, IP address, device, location, transaction and behavioural signals.
Fizen reserves the right to refuse to provide, restrict or withdraw a Service in any jurisdiction where Fizen reasonably believes that action is necessary or appropriate for legal, regulatory, compliance, security, partner or risk-management reasons.
### 5.2 Eligibility requirements
To use the Services you must, on a continuing basis:
* be at least 18 years old or the age of majority in your jurisdiction, whichever is higher;
* if you accept these Terms on behalf of a legal entity, be authorised to bind that entity;
* not be a citizen or resident of, or located in, a jurisdiction in which the relevant Service is prohibited or which is subject to comprehensive sanctions applicable to Fizen or the relevant partner;
* not be a person on, or owned or controlled by a person on, any sanctions, restricted-party or prohibited-person list applicable to Fizen or the relevant partner;
* not be subject to any geographic or eligibility restriction imposed under Applicable Law or by Fizen, the Card Issuer, a Local Payment Partner or another relevant partner;
* not have been previously suspended or terminated from the Platform unless Fizen has expressly permitted your renewed access; and
* comply with clause 8 and the applicable Product Terms.
The specific sanctions programmes, restricted jurisdictions and screening rules applied by Fizen or a partner may change without advance notice where necessary to comply with Applicable Law.
### 5.3 Your representations and warranties
You represent and warrant, each time you use a Service, that: (a) all information you have provided is true, accurate, current and complete and you will promptly update it if it changes; (b) you are using the Service for your own account and not on behalf of an undisclosed third party; (c) any Digital Assets you transfer through the Services are owned by you free of any encumbrance, are not proceeds of unlawful activity and have not been used to fund unlawful activity; (d) your use of the Service is lawful in your jurisdiction; (e) you have authority to enter into each transaction you initiate; and (f) you understand the relevant risks and have the financial capacity to bear a total loss.
## 6. Account and Wallet Access
To use certain Services, you may be required to create a Fizen account, provide an email address, verify your identity or complete other onboarding steps. The Fizen Wallet itself is a self-hosted software wallet. Your Private Key is generated on your device, encrypted locally and is not transmitted to Fizen. Fizen does not have, and cannot reset or recover, your Private Key for the Fizen Wallet.
You are responsible for securing your device, Private Key, seed phrase, password, authentication methods and account. You must enable two-factor authentication where Fizen makes it available and notify Fizen at [legal@fizen.io](mailto:legal@fizen.io) within seventy-two (72) hours after you know or reasonably suspect unauthorised access to your account or compromise of your Wallet.
Certain Services require KYC or additional verification at the level required for that Service. Failure to complete verification or providing false, incomplete or misleading information may result in delayed transactions, restriction, suspension or termination of access to the affected Services.
## 7. Risk Disclosures
Use of the Platform, Digital Assets and Blockchain technology involves significant risks. The principal categories include:
* **Market and price volatility** — Digital Asset prices may fluctuate substantially or fall to zero.
* **Irreversibility** — confirmed Blockchain transactions generally cannot be reversed.
* **Self-custody and access risk** — for non-custodial Services, loss of a Private Key, seed phrase, password, device or backup may cause permanent loss of access. Fizen generally cannot recover your credentials or assets.
* **Custodial-balance risk** — for a Custodial-balance Service such as the current Fizen Card model, you depend on Fizen's ability to safeguard relevant assets, maintain accurate records and honour the balance.
* **Principal-counterparty and insolvency risk** — for QR Pay, accepted Digital Assets become Fizen's property and the QR Pay Balance is an unsecured contractual claim against Fizen. If Fizen becomes insolvent or cannot perform, you may lose some or all of that balance.
* **Cybersecurity risk** — your device, network, credentials, Fizen systems or third-party systems may be compromised.
* **Smart-contract risk** — smart contracts may contain bugs or vulnerabilities or behave unexpectedly.
* **Protocol and network risk** — Blockchains and protocols may experience congestion, forks, attacks, validator failures, outages or changed fees.
* **Regulatory risk** — law, regulation, licensing expectations or enforcement practices may change and restrict or prohibit a Service or transaction.
* **Sanctions and compliance risk** — transactions may be delayed, blocked, restricted or reported.
* **Stablecoin risk** — USDT, USDC or another stablecoin may lose its intended peg, become illiquid, be frozen by its issuer or lose some or all of its value.
* **Third-Party Service risk** — a partner, issuer, supplier, protocol or other third party may fail, delay performance, become insolvent or discontinue a product.
* **Tax risk** — transferring, selling, swapping, spending or receiving Digital Assets may create tax, accounting or reporting obligations.
* **No investment, tax or legal advice** — nothing on the Platform constitutes investment, tax, accounting or legal advice.
Each Product Terms document contains additional disclosures specific to the relevant Service. You should read them before using that Service.
## 8. Acceptable Use
You agree not to, and not to assist any third party to:
* use the Platform for any unlawful, fraudulent, deceptive, abusive or harmful purpose, including money laundering, terrorist financing, sanctions evasion, tax evasion, market manipulation, illegal gambling, unregistered securities activity, illegal narcotics, child sexual abuse material, human trafficking, intellectual-property infringement or unlawful weapons trading;
* structure transactions to evade screening, monitoring, limits or reporting thresholds;
* use mixers, tumblers, anonymising services, privacy tools or obfuscation techniques in violation of Applicable Law or to conceal unlawful activity;
* use a VPN, Tor, proxy, location-spoofing tool, false information, multiple accounts or another person's account to evade geographic, eligibility or compliance restrictions;
* circumvent any security, access-control, rate-limit or technical feature of the Platform;
* introduce malware or other harmful code;
* spam, scrape, overload or interfere with the Platform or another User's access;
* access non-public systems, data or areas of the Platform without authorisation;
* impersonate a person or misrepresent your identity, authority, residence, transaction purpose or source of assets; or
* use the Platform in a manner that could damage Fizen, a partner, a Merchant, another User or the integrity of a Service.
Fizen may, without prior notice where notice would be impracticable, prohibited or would compromise an investigation, investigate suspected violations and take action including suspending or terminating access, refusing or delaying transactions, reporting activity to competent authorities, freezing or restricting a Custodial-balance Service, and restricting the use or discharge of a contractual balance or obligation under a Principal-counterparty Service.
A QR Pay Balance will not be forfeited merely as a contractual penalty but may remain restricted or be otherwise dealt with where required by Applicable Law, a binding order or a final legal determination.
## 9. Fees
Use of the Fizen Wallet itself is free. Fizen may charge fees for certain Services as set out in the applicable Product Terms, transaction confirmation screen or Fee Schedule. Network fees are paid to Blockchain validators or other network participants and may change according to network conditions.
Fizen may change fees in accordance with clause 1.3 and the applicable Product Terms. Any applicable fee that can reasonably be determined in advance will be displayed before you confirm the relevant transaction.
## 10. Intellectual Property
All right, title and interest in the Platform, the Services, Fizen software, APIs, brand, trademarks, logos, designs, graphics, user interfaces, documentation and other Fizen content (the "Fizen IP") is and remains the sole and exclusive property of Fizen and its licensors.
Subject to your compliance with these Terms, Fizen grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable licence to access and use the Platform solely for the purpose of using the Services as permitted by these Terms. All rights not expressly granted are reserved.
You retain ownership of your User Content. You grant Fizen and its Affiliates a worldwide, royalty-free, sublicensable and transferable licence to host, store, reproduce, modify, adapt, translate, publish, distribute and display your User Content to the extent reasonably necessary to operate, secure, support, market and improve the Services, comply with Applicable Law and exercise Fizen's rights under these Terms. This licence continues for as long as reasonably necessary for those purposes, subject to the Fizen Privacy Policy and Applicable Law.
Any feedback or suggestion you voluntarily provide may be used by Fizen without restriction or compensation to you. You may not use any Fizen trademark without Fizen's prior written consent.
To report alleged intellectual-property infringement, contact [legal@fizen.io](mailto:legal@fizen.io) with: (a) your contact details; (b) identification of the protected work; (c) identification and location of the allegedly infringing content; (d) a good-faith statement; (e) a statement concerning accuracy and authority; and (f) your physical or electronic signature. Fizen may remove allegedly infringing content and terminate repeat infringers.
## 11. Privacy and Personal Data
Fizen's processing of Personal Data is described in the Fizen Privacy Policy, which is incorporated into these Terms. To provide the Services, prevent fraud and comply with Applicable Law, Fizen may share Personal Data and transaction information with Affiliates, partners, service providers, Blockchain analytics providers, regulators, financial intelligence units, law-enforcement authorities and other persons described in the Privacy Policy.
Personal Data may be transferred to jurisdictions including Hong Kong, Singapore, the European Union, the United Kingdom, the United States, Vietnam, the Philippines and India. Fizen will implement safeguards required by Applicable Law for applicable cross-border transfers. You may exercise your data-subject rights by contacting [legal@fizen.io](mailto:legal@fizen.io).
## 12. Compliance and Reservation of Rights
Fizen reserves the right, at any time and without prior notice where notice would be impracticable, prohibited or would risk tipping off a sanctioned or AML-relevant counterparty, to:
* refuse to process, delay, block, suspend, reverse where technically possible, or unwind a transaction;
* suspend, restrict or terminate your access to all or part of the Services;
* freeze, restrict, hold or refuse to release assets or balances that Fizen lawfully holds or controls under a Custodial-balance Service;
* restrict, delay or refuse the use, payment, withdrawal or other discharge of a contractual obligation under a Principal-counterparty Service, including a QR Pay Balance;
* restrict any other value or transaction over which Fizen has lawful technical or contractual control;
* request additional information or documentation; and
* disclose information or report you and your activity to partners, regulators, financial intelligence units, law-enforcement authorities, courts and other competent authorities.
Fizen may take these actions where it reasonably believes they are necessary or appropriate to comply with Applicable Law or a binding request; detect or prevent fraud, money laundering, terrorist financing, sanctions evasion, market abuse or other unlawful activity; resolve an error or dispute; or protect the security, integrity or reputation of the Platform, Services, Fizen, its partners or Users.
For clarity, a restriction affecting a QR Pay Balance is a restriction on the use or discharge of Fizen's contractual obligation. It does not mean that Fizen holds the User's Digital Assets in custody. Fizen may be legally prohibited from notifying you of a restriction or explaining its reasons.
You must promptly provide complete and accurate information requested for a review. Fizen is not required to process a transaction or discharge an obligation while required information remains outstanding or while a lawful restriction applies.
## 13. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY. FIZEN AND ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, PARTNERS, OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, COMPLETENESS, AVAILABILITY AND NON-INFRINGEMENT.
FIZEN DOES NOT WARRANT THAT THE PLATFORM OR A SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE OR FREE FROM HARMFUL COMPONENTS; THAT A DEFECT WILL BE CORRECTED; THAT A TRANSACTION WILL BE COMPLETED WITHIN A PARTICULAR PERIOD; OR THAT A PARTNER, BLOCKCHAIN, PROTOCOL, TOKEN, MERCHANT, SUPPLIER, PRODUCT OR LICENCE WILL REMAIN AVAILABLE.
Nothing in this clause excludes a warranty, right or remedy that cannot lawfully be excluded.
## 14. Limitation of Liability
To the maximum extent permitted by Applicable Law, Fizen and its Affiliates shall not be liable to you, whether in contract, tort, statute, equity or otherwise, for any: (a) indirect, incidental, special, consequential, exemplary or punitive damages; (b) loss of profits, revenue, business, savings, opportunity, goodwill, reputation, data or use; (c) loss arising from Digital Asset volatility, stablecoin depeg, network congestion, Blockchain forks, smart-contract defects, oracle failures or validator behaviour; (d) loss arising from your loss of or failure to safeguard a Private Key, seed phrase, password, device or other access credential; (e) loss arising from a Third-Party Service, partner, Merchant or supplier; or (f) loss arising from a cause beyond Fizen's reasonable control.
Subject to the exclusions below, Fizen's aggregate liability arising out of or relating to these Terms, the Platform or the Services shall not exceed the greater of: (i) the total fees you paid directly to Fizen for the affected Service during the twelve (12) months immediately preceding the event giving rise to the claim; and (ii) USD 100 or its equivalent. Where a Product Terms document specifies a different liability cap for a Service, that cap applies to that Service.
Unless the applicable Product Terms expressly and lawfully provide otherwise, the liability cap does not by itself extinguish Fizen's obligation to account for and discharge a valid outstanding contractual balance, including a QR Pay Balance. This does not give you ownership, security or priority over any Fizen asset and does not guarantee full recovery in an insolvency, restructuring or other proceeding governed by creditor-priority rules.
Nothing in these Terms excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, Fizen's gross negligence or wilful misconduct, a non-waivable consumer right, or any other liability that cannot lawfully be excluded or limited.
Any claim must be filed within one (1) year after the cause of action accrues unless a longer period is required by Applicable Law.
## 15. Indemnification
To the maximum extent permitted by Applicable Law, you agree to defend, indemnify and hold harmless Fizen, its Affiliates and their respective officers, directors, employees, agents, licensors and service providers from third-party claims, demands, proceedings, damages, losses, liabilities, costs and expenses, including reasonable legal fees, arising from: (a) your unlawful or unauthorised use of the Platform, a Service or a Third-Party Service; (b) your User Content; (c) your material breach of these Terms or Product Terms; (d) your violation of Applicable Law; (e) your infringement of a third-party right; (f) a dispute between you and a third party for which Fizen is not responsible; or (g) a tax obligation for which you are responsible.
Fizen will provide reasonable notice of a claim where practicable and may assume control of the defence. You must reasonably cooperate and must not settle a claim imposing liability, admission or obligation on Fizen without Fizen's prior written consent. Your indemnification obligation does not cover the portion of a claim caused by Fizen's own gross negligence, wilful misconduct or breach of Applicable Law, and does not apply where prohibited by mandatory consumer law.
## 16. Termination
You may stop using the Platform at any time. Fizen may suspend, restrict or terminate your access to all or part of the Services for breach of these Terms or Product Terms, suspected unlawful activity, security risk, partner unavailability, regulatory requirement, discontinuation of a Service, insolvency or another reason permitted by Applicable Law. Fizen will provide notice where reasonably practicable and legally permitted.
Upon termination, your right to use the affected Services ends. Fizen may delete, retain or anonymise data subject to the Privacy Policy and legal retention requirements. You remain responsible for fees, transactions and obligations arising before termination.
Digital Assets in your non-custodial Fizen Wallet remain on the Blockchain and are not transferred to Fizen merely because your Platform access ends.
For a Custodial-balance Service such as the current Fizen Card model, treatment of any remaining balance is governed by the applicable Product Terms and partner agreement.
For a Principal-counterparty Service such as QR Pay, termination does not by itself extinguish a valid remaining contractual obligation. Subject to pending transactions, fees, corrections, lawful set-off rights, compliance checks and binding legal restrictions, Fizen will provide a reasonable method for discharging an available QR Pay Balance as described in the Fizen QR Pay Terms.
Fizen may require identity verification, source-of-funds information or a verified destination address and may delay discharge where required by Applicable Law or a necessary compliance review. A QR Pay Balance will not be forfeited solely because access is suspended or terminated, except where a binding law, court order or final legal determination requires otherwise.
Clauses that survive by their nature, including provisions concerning ownership, outstanding balances or obligations, completed transactions, fees, taxes, risk, privacy, compliance, intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, governing law and miscellaneous matters, survive termination.
## 17. Force Majeure
Fizen is not liable for a delay or failure caused by an event beyond its reasonable control, including natural disasters, epidemics or pandemics, war, civil unrest, terrorism, labour disputes, cyber-attacks, infrastructure failure, Blockchain or protocol failure, validator or oracle failure, regulatory action, court orders, sanctions designations, partner or service-provider default or insolvency, or an event that makes performance impracticable, illegal or unduly burdensome.
This clause does not extinguish a valid outstanding balance or contractual obligation solely because performance is delayed. The affected obligation remains subject to the applicable Product Terms, Applicable Law and any insolvency or creditor-priority rules.
## 18. Dispute Resolution and Governing Law
Please read carefully. This clause requires you and Fizen to resolve most disputes through binding arbitration on an individual basis. It waives your right to participate in class actions, class arbitrations or representative actions and, to the extent permitted by Applicable Law, your right to a jury trial.
### 18.1 Governing law
These Terms are governed by the laws of Hong Kong, excluding conflict-of-laws rules and the United Nations Convention on Contracts for the International Sale of Goods. If you are a consumer habitually resident in a jurisdiction with mandatory consumer-protection laws that cannot be varied by agreement, this choice does not deprive you of the protection of those laws.
### 18.2 Informal resolution
Before commencing arbitration or another formal proceeding, the claiming party must send a written Notice of Dispute to the other party, in Fizen's case to [legal@fizen.io](mailto:legal@fizen.io), describing the claim, supporting facts and relief sought. The parties will then attempt in good faith to resolve the dispute for sixty (60) days. Applicable limitation periods are suspended for that period to the extent permitted by Applicable Law. Compliance with this process is a condition precedent to arbitration unless urgent relief is reasonably required.
### 18.3 Binding arbitration
Disputes shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) under the SIAC Arbitration Rules in force when the arbitration is commenced. The seat of arbitration is Singapore. The tribunal will consist of one arbitrator for claims below USD 1,000,000 in aggregate and three arbitrators for other claims. The language is English. The arbitration and award are confidential except as required by Applicable Law or for enforcement.
### 18.4 Class action and jury trial waiver
To the maximum extent permitted by Applicable Law, you and Fizen each waive any right to bring or participate in a class action, collective action, mass arbitration, representative action, consolidated proceeding or private-attorney-general action. To the maximum extent permitted by Applicable Law, you and Fizen each waive any right to a jury trial in a court proceeding.
### 18.5 Carve-outs
Either party may bring an individual action in an eligible small-claims court in the User's place of habitual residence instead of arbitration. Either party may seek urgent injunctive or equitable relief from a court of competent jurisdiction to protect intellectual property, preserve assets, prevent fraud or prevent unauthorised access without first completing the informal-resolution process.
### 18.6 Jurisdiction-specific rights
Nothing in this clause prevents a User from making a complaint to a regulator, ombudsman, data-protection authority or other competent authority, or from exercising a non-waivable right under Applicable Law. If any part of this clause is unenforceable in the User's jurisdiction, that part will be modified or severed to the minimum extent necessary and the remainder will continue to apply.
## 19. Notices
Fizen may give you notice by email to your account address, in-app notification, Platform posting or another reasonable electronic method. Notice is deemed received when sent, absent a delivery failure, or when posted, subject to Applicable Law. You must keep your contact information current.
You may give Fizen notice for legal matters, including notices of dispute, privacy, security, AML, sanctions, politically exposed person and intellectual-property matters, at [legal@fizen.io](mailto:legal@fizen.io).
## 20. Miscellaneous
* **Entire agreement** — these Terms, the Privacy Policy, applicable Product Terms and other documents incorporated by reference constitute the entire agreement concerning the Platform and Services.
* **Severability** — if a provision is invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the remainder will continue in effect.
* **No waiver** — failure or delay in exercising a right is not a waiver of that right.
* **Assignment** — you may not assign these Terms without Fizen's prior written consent. Fizen may assign them to an Affiliate, in connection with a merger, reorganisation, financing or sale of all or part of its business or assets, or where required by Applicable Law, subject to any mandatory rights you have.
* **No partnership, agency or fiduciary relationship** — except for a capacity expressly stated in the applicable Product Terms, these Terms create no partnership, joint venture, agency, fiduciary, employment, franchise, trust, escrow or custodial relationship. For QR Pay, Fizen acts as principal purchaser of accepted Digital Assets and as contractual obligor in respect of the QR Pay Balance; it does not act as the User's custodian, trustee or agent in relation to those Digital Assets.
* **Third-party beneficiaries** — Fizen's Affiliates and partners are intended third-party beneficiaries only to the extent a provision expressly grants them a benefit or protection. Except as stated, no other person has rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) of Hong Kong or an equivalent law.
* **Headings** — headings are for convenience and do not affect interpretation.
* **Electronic delivery and signature** — you consent to electronic communications and agree that electronic acceptance and signatures satisfy an “in writing” requirement to the extent permitted by Applicable Law.
* **Language** — these Terms are written in English. If a translation is provided and there is a conflict, the English version prevails except where Applicable Law requires the local-language version to prevail.
* **No reliance** — you acknowledge that you have not relied on a statement that is not expressly included in these Terms or the applicable Product Terms, subject to any non-waivable right concerning misrepresentation or consumer protection.
## 21. Contact
* **Legal, including notices of dispute, privacy, security, AML, sanctions, politically exposed person, intellectual-property and other legal matters:** [legal@fizen.io](mailto:legal@fizen.io)
* **General support:** in-app live chat
* **Registered office:** Fizen Limited, Unit 1411, 14/F, Cosco Tower, 183 Queen's Road Central, Sheung Wan, Hong Kong
# Privacy Policy
Source: https://docs.fizen.io/privacy
How Fizen collects, uses and protects your personal data.
**Effective: 5 June 2026**
## 1. About this Privacy Policy
### 1.1 Who we are
This Privacy Policy is published by Fizen Limited, a company incorporated in Hong Kong with company number \[77059696] and registered office at Unit 1411, 14/F, Cosco Tower, 183 Queen's Road Central, Sheung Wan, Hong Kong (together with its Affiliates, "Fizen", "we", "us" or "our"). Fizen is the controller of personal data processed in connection with the Fizen Platform, except in the limited circumstances described in clause 9.4 (where Fizen acts as a processor on behalf of a Fizen Pay merchant).
### 1.2 What this Policy covers
This Privacy Policy describes how Fizen collects, uses, discloses, retains, transfers and protects personal data when you use the Fizen website at fizen.io, the Fizen mobile application, the Fizen browser extension (if and when made available), and any other Fizen-operated interface or service through which the Fizen Services are made available (together, the "Platform"). The Platform is operated under the Fizen Master Terms of Use and the product-specific schedules for the Fizen Wallet, Fizen Card, Fizen Pay, Fizen QR Pay, Fizen Marketplace, Fizen Swap & Conversion, Fizen Rewards Program and any other Service Fizen makes available.
### 1.3 Other documents
This Privacy Policy is supplemented by:
* the Fizen Cookie Policy, which describes the cookies and similar technologies we use;
* any product-specific privacy notice we publish for a particular Service;
* the privacy notices of our partners (including the Card Issuer, Transak, Ondo, the Conversion Service Provider, Marketplace Suppliers and Local Payment Partners), which apply to the data those partners receive from us and the data they collect directly from you; and
* any Data Processing Addendum we have entered into with a Fizen Pay merchant for whom we act as a processor.
## 2. Definitions
In this Privacy Policy:
* **"Affiliate"** means an entity that controls, is controlled by, or is under common control with Fizen.
* **"Applicable Privacy Law"** means any law, regulation, regulatory guidance or binding decision that applies to our processing of your personal data, including (without limitation) the EU and UK General Data Protection Regulation, the California Consumer Privacy Act as amended by the California Privacy Rights Act, comparable US state privacy laws, the Hong Kong Personal Data (Privacy) Ordinance (PDPO), the Vietnamese Personal Data Protection Decree (Decree 13/2023/ND-CP), the Philippines Data Privacy Act 2012 (RA 10173) and the Singapore Personal Data Protection Act.
* **"Personal Data"** means any information relating to an identified or identifiable natural person. Where Applicable Privacy Law uses a different term (such as "personal information" under CCPA/CPRA or "personal data" under Decree 13), that term has the equivalent meaning in this Policy.
* **"Processing"** means any operation performed on personal data, including collection, storage, use, disclosure, transfer, retention and erasure.
* **"Sensitive Personal Data"** means special categories of personal data under GDPR Article 9, sensitive personal information under CCPA/CPRA, sensitive personal data under Decree 13, and equivalent categories under other Applicable Privacy Law.
* **"Services"** has the meaning given in the Fizen Master Terms of Use.
* **"you"** means the natural person whose Personal Data is being processed, or the user of the Platform, as the context requires.
## 3. Personal Data We Collect
We collect the following categories of Personal Data. The table identifies, for each category, the types of data included and the sources from which we collect them.
| Category | Examples | Sources |
| - | - | - |
| **Identifiers** | Name, date of birth, nationality, postal address, email, phone number, account name and username, IP address, device identifiers, advertising identifiers. | You; your device; Affiliates; KYC providers; social networks if you connect them. |
| **Government identifiers (sensitive)** | Passport number, national identity card number, driver's licence number, tax identification number; image of your government ID document. | You; KYC providers. |
| **Biometric and image data (sensitive)** | Selfie used for face matching against your government ID; liveness-detection metrics during onboarding. | You; KYC providers. |
| **Financial identifiers** | Payment card number, Card balance, wallet addresses (Fizen-managed and external), transaction history with Fizen. | You; the Card Issuer; the Conversion Service Provider; Transak (where you have completed Transak KYC); public blockchain. |
| **Transaction information** | Date, amount, currency, counterparty, Merchant identifier, Marketplace Item details, Swap quote and execution data, ramp transaction data. | You; the Platform; the Card Issuer; the Conversion Service Provider; the Local Payment Partner; the Marketplace Suppliers; public blockchain. |
| **Behavioural and inferred data** | Products and Services you view, engage with or show interest in; Marketplace browsing history; in-app search history; risk scores; product preferences; KYC tier; eligibility flags; cohort assignments. | Automatically collected from your use of the Platform. |
| **Technical and device data** | Device type, operating system, OS version, browser type, browser version, app version, screen resolution, time zone, language, mobile carrier, network type, web and app logs, crash reports, performance metrics. | Automatically collected from your device. |
| **Location data** | Approximate location derived from IP address (always); precise location derived from device GPS (only with your consent). | You; your device; IP-geolocation providers. |
| **KYC, AML and sanctions data** | PEP status, sanctions screening hits and dismissals, source-of-funds information, source-of-wealth information, occupation, beneficial-ownership information. | You; KYC providers; sanctions screening providers; public databases; law-enforcement requests. |
| **Customer-support and feedback data** | Communications with our support team, feedback and survey responses, in-app messages, call recordings (where notified), chat transcripts. | You; your communications with us. |
| **Marketing engagement data** | Email opens, link clicks, push-notification interactions, app campaign engagement, ad attribution data. | Automatically collected from your interactions with our marketing. |
| **Third-party social account data** | Username, public profile, friend list (only where you connect a social account and only to the extent permitted by that network). | Connected social networks (e.g. Google, Apple, Facebook, X), if you connect them. |
| **Public blockchain data** | On-chain wallet addresses, transaction hashes, balances and counterparty addresses associated with your use of the Platform. | Public blockchains. |
*If you choose not to provide Personal Data we have indicated as required, we may not be able to provide you with the relevant Service. For example, we cannot offer you the Fizen Card or the regulated parts of the Platform without completing KYC.*
## 4. How We Use Your Personal Data and Our Legal Bases
We use your Personal Data only for the purposes described below. For each purpose, we identify the categories of data used and the legal basis on which we rely under GDPR / UK GDPR. Where you are located in another jurisdiction, the legal basis under Applicable Privacy Law in that jurisdiction is generally equivalent and is described in the jurisdiction-specific sections of this Policy.
| Purpose | Categories of data used | Legal basis (GDPR Art. 6) |
| - | - | - |
| Provide the Platform and Services (account creation, authentication, transaction processing, balance display, settlement, support). | Identifiers; financial identifiers; transaction information; technical data. | Performance of contract (Art. 6(1)(b)). |
| KYC, customer due diligence, sanctions, PEP and AML screening, ongoing monitoring. | Identifiers; government identifiers; biometric and image data; KYC, AML and sanctions data; transaction information; public blockchain data. | Legal obligation (Art. 6(1)(c)); for sensitive data, Art. 9(2)(g) — substantial public interest. |
| Fraud detection and prevention, security, abuse prevention. | Identifiers; technical data; behavioural data; transaction information. | Legitimate interests (Art. 6(1)(f)) — securing the Platform and preventing fraud. |
| Compliance with legal obligations (tax, financial-services, sanctions, regulatory reporting, court orders). | Most categories, on a need-to-disclose basis. | Legal obligation (Art. 6(1)(c)). |
| Operate the Fizen Rewards Program; track Qualifying Activities; deliver Rewards. | Identifiers; transaction information; behavioural data. | Performance of contract (Art. 6(1)(b)). |
| Personalise and improve the Platform (recommendations, preferences, feature flags, language and currency selection). | Behavioural data; technical data; location data (approximate). | Legitimate interests (Art. 6(1)(f)); consent (Art. 6(1)(a)) where required for cookies or precise location. |
| Analytics, aggregated reporting and product development. | Technical data; behavioural data; transaction information (aggregated and de-identified where practicable). | Legitimate interests (Art. 6(1)(f)); consent (Art. 6(1)(a)) for non-essential analytics cookies. |
| Direct marketing of the Services to existing customers, including transactional and promotional emails, push notifications and in-app messages. | Identifiers; behavioural data; marketing engagement data. | Legitimate interests (Art. 6(1)(f)) for soft opt-in to existing customers where permitted; consent (Art. 6(1)(a)) where required (including for cross-context behavioural advertising). |
| Behavioural advertising and personalised marketing on third-party platforms (Meta, Google, TikTok, X, etc.). | Identifiers; behavioural data; marketing engagement data; cookie data. | Consent (Art. 6(1)(a)). |
| Communications with you about your account, the Services and important notices. | Identifiers; transaction information. | Performance of contract (Art. 6(1)(b)); legal obligation (Art. 6(1)(c)). |
| Defend, establish and exercise legal claims; respond to disputes. | Most categories, on a need-to-defend basis. | Legitimate interests (Art. 6(1)(f)). |
| Corporate transactions (sale, merger, restructuring, financing). | Most categories, on a need-to-disclose basis, subject to confidentiality protections. | Legitimate interests (Art. 6(1)(f)). |
Where we rely on legitimate interests, we have carried out and documented a balancing test concluding that our interests are not overridden by your interests, rights and freedoms. You may obtain further details of the balancing test, and object to processing on this basis, by contacting our legal team at [legal@fizen.io](mailto:legal@fizen.io).
## 5. Sensitive Personal Data
We process the following categories of Sensitive Personal Data:
* Biometric and image data — collected during KYC for identity verification (face image, document image, liveness detection). We process this data on the basis of substantial public interest (Article 9(2)(g) GDPR, supported by national-law derogations for AML/CFT compliance) and, where Applicable Privacy Law requires, your explicit consent.
* Financial identifiers — collected to provide the Services. Processing is necessary for the performance of our contract with you and, where applicable, for compliance with a legal obligation.
* Government identifiers — collected for KYC and AML. Processing is necessary for compliance with a legal obligation.
* Precise location data — only where you consent.
* Racial, ethnic or similar inferences — only where incidentally recognised by our document-recognition tools and only used for KYC matching. We do not use these inferences for any other purpose.
We apply enhanced safeguards to Sensitive Personal Data, including encryption in transit and at rest, strict access controls (least-privilege, MFA, audit logging), limited retention, staff training, and additional contractual protections in our agreements with processors.
## 6. Automated Decision-Making and Profiling
We use automated processes to make certain decisions that may have legal or similarly significant effects on you. These include:
* Identity verification (KYC) — automated facial-recognition, document-recognition and liveness-detection tools operated by our KYC providers verify the identity documents and selfies you submit during onboarding;
* Sanctions, PEP and adverse-media screening — automated screening of your name, identifying details, country, IP location, wallet addresses and transaction counterparties against sanctions lists (UN, OFAC, EU, UK OFSI, HK, MAS), PEP databases and adverse-media sources;
* Fraud and abuse detection — automated scoring of transactions, sessions, devices and behavioural signals; transactions that exceed risk thresholds may be blocked, delayed or require additional verification;
* Transaction and on-chain monitoring — automated monitoring of your transactions and on-chain activity for AML risk patterns (structuring, mixing, sanctioned-counterparty exposure, peeling chains, layering);
* Eligibility and limits — automated rules determine your KYC tier, transaction limits, and eligibility for specific products (Fizen Card, Fizen QR Pay, Fizen Tokenized Securities, Fizen Marketplace categories);
* Marketing segmentation and targeting — automated profiling determines which marketing communications you receive.
Where an automated decision produces a legal or similarly significant effect on you, we rely on (i) the necessity of the processing for entering into or performing our contract with you (Article 22(2)(a) GDPR), (ii) compliance with a legal obligation (AML, sanctions, financial-services law), or (iii) your explicit consent. In each case, you may request human review, express your point of view, and contest the decision by contacting [legal@fizen.io](mailto:legal@fizen.io). Our human review will not override compliance obligations — for example, we cannot reverse a sanctions block where doing so would be unlawful.
You may object to profiling for marketing purposes at any time by adjusting your marketing preferences in the Fizen app or by clicking the unsubscribe link in any marketing email. We will then stop profiling you for those purposes.
## 7. How We Share Your Personal Data
We share Personal Data with the following categories of recipients, in each case on a need-to-know basis and subject to written agreements that require appropriate confidentiality and security protections.
### 7.1 Within Fizen
Our employees, contractors and contingent workers, on a need-to-know basis, to operate the Platform and the Services and to administer our business. Our Affiliates, for the same purposes and for group-wide security, fraud prevention and internal reporting.
### 7.2 Service providers (processors)
Independent service providers who process Personal Data on our behalf under contractual obligations, including:
* KYC and identity verification providers (for example, Sumsub, Onfido, Jumio — list to be confirmed in the published version);
* Sanctions, PEP and AML screening providers;
* On-chain analytics and transaction monitoring providers (for example, Chainalysis, Elliptic, TRM Labs — list to be confirmed);
* Cloud infrastructure providers (for example, Amazon Web Services, Google Cloud Platform — list to be confirmed);
* Customer-support tooling providers (ticketing, live chat, CRM);
* Communications providers (email, push notification, SMS);
* Analytics providers (for example, Amplitude, Mixpanel, Google Analytics 4 — list to be confirmed);
* Marketing and advertising providers (for example, Meta, Google, TikTok, X, attribution providers — only with your consent for non-essential cookies / marketing);
* Fraud prevention providers.
### 7.3 Partners (independent controllers / joint controllers)
Independent partners through whom we deliver specific Services, who process Personal Data they receive from us as independent controllers or, where applicable, as joint controllers:
* Card Issuer — for the Fizen Card. The Card Issuer is the regulated financial institution that issues the Card and is identified in the Issuer Cardholder Agreement;
* Conversion Service Provider — for the conversion between Digital Assets and fiat currency in the Fizen Card and Fizen QR Pay products;
* Transak — for the on-ramp and off-ramp services. When you use the ramp, you complete KYC and contract directly with Transak; Transak processes the data you provide to it as an independent controller;
* Ondo Finance — for the tokenized securities products. Ondo processes the data necessary to issue and redeem tokenized securities as an independent controller, subject to Ondo's own privacy policy;
* Marketplace Suppliers — gift-card aggregators, eSIM providers, mobile-top-up aggregators, hotel and flight aggregators. Each Marketplace Supplier processes the limited data necessary to fulfil your Marketplace Order as an independent controller;
* Local Payment Partners — for Fizen QR Pay in each market, including \[VN LOCAL PAYMENT PARTNER] (Vietnam) and \[PH LOCAL PAYMENT PARTNER] (Philippines);
* Swap aggregators — KyberSwap and 1inch. Swap transactions are executed on public blockchains; we do not transfer personal data to these aggregators beyond what is necessarily contained in the on-chain transaction you sign with your own private key.
### 7.4 Authorities, regulators and law enforcement
We disclose Personal Data to regulators, supervisory authorities, financial intelligence units, tax authorities, courts and law-enforcement agencies where required by Applicable Privacy Law, by other Applicable Law (including AML, sanctions and tax law), or in response to valid legal process. We assess each request for legality and proportionality and, where appropriate and lawful, we narrow over-broad requests, challenge unlawful requests, and notify you of a request unless prohibited from doing so.
### 7.5 Corporate transactions
In the event of a sale, merger, acquisition, reorganisation, financing, bankruptcy or sale of all or substantially all of our assets, your Personal Data may be transferred to the relevant counterparty or successor entity, subject to appropriate confidentiality protections. We will notify you where required by Applicable Privacy Law.
### 7.6 With your consent or at your direction
We share Personal Data with other recipients where you have asked us to (for example, when you connect a social account, when you authorise a third-party application via API, or when you share a transaction receipt).
## 8. International Transfers of Personal Data
### 8.1 Where Personal Data is stored and processed
Fizen is established in Hong Kong. To provide the Services we transfer Personal Data to, and store and process Personal Data in, jurisdictions other than the one in which you are located, including Hong Kong, Singapore, the United Kingdom, the European Union (in particular Ireland and Germany), the United States, Vietnam, the Philippines, India, and any other jurisdiction in which Fizen, our Affiliates, our service providers or our partners are established or operate.
### 8.2 Transfers from the EEA, the UK and Switzerland
Where we transfer Personal Data from the European Economic Area, the United Kingdom or Switzerland to a jurisdiction that has not been the subject of an adequacy decision by the European Commission (or the equivalent for the UK or Switzerland), we put in place appropriate safeguards under Article 46 GDPR / UK GDPR, including:
* the European Commission's Standard Contractual Clauses (SCCs) of 4 June 2021, supplemented where the recipient is in the United Kingdom by the UK International Data Transfer Addendum or, where appropriate, the UK International Data Transfer Agreement;
* for transfers from Switzerland, the SCCs as recognised by the Swiss Federal Data Protection and Information Commissioner; and
* where required by our transfer impact assessment, additional technical, contractual and organisational measures (for example, encryption in transit and at rest, pseudonymisation, contractual restrictions on government access requests).
### 8.3 Transfers from Vietnam
Where we transfer Personal Data of individuals located in Vietnam to a jurisdiction outside Vietnam, we comply with the requirements of Decree 13/2023/ND-CP, including completing a transfer impact assessment, obtaining consent from the data subject where required, and notifying the Ministry of Public Security through the prescribed form.
### 8.4 Other jurisdictions
Where we transfer Personal Data from any other jurisdiction with a cross-border-transfer regime (including the Philippines, Singapore, India, China, the UAE, Brazil and others), we comply with the applicable local-law requirements.
## 9. Cookies and Similar Technologies
We use cookies, pixels, SDKs, local storage and similar technologies (collectively, "cookies") on the Fizen website and in the Fizen app. Cookies fall into four categories:
* **Strictly necessary cookies** — required for the Platform to function (authentication, security, session management, recording your acceptance of our terms). These cookies do not require your consent.
* **Functional cookies** — remember your preferences (language, currency, dark mode). Set only with your consent where required by Applicable Privacy Law.
* **Analytics cookies** — help us understand how the Platform is used so we can improve it. Set only with your consent where required.
* **Marketing and advertising cookies** — let us and our partners deliver advertising relevant to you and measure the effectiveness of marketing campaigns. Set only with your consent.
You can give, refuse and withdraw consent at any time through the cookie banner shown on first visit, through the cookie preferences centre at fizen.io/cookies or from the footer of the Platform. Withdrawing consent is as easy as giving consent. A full list of the cookies we use — including the name, purpose, third-party recipient and retention period of each cookie — is published in our Cookie Policy.
You can also control cookies through your browser settings. Doing so may limit Platform functionality.
## 10. Blockchain Data and the Right to Erasure
When you use the Fizen Wallet, send or receive Digital Assets through the Platform, or use any Service that involves an on-chain transaction (including the Card, QR Pay, Marketplace where on-chain settlement is used, Swap and On/Off-Ramp), the relevant blockchain network records your wallet address, the counterparty wallet address, the asset and amount transferred, and the timestamp. These records are public, are replicated across many independent validators worldwide, are not under our control, and cannot be erased by us, by any participant or by any individual operator.
We treat publicly accessible blockchain data linked to you as Personal Data. When you exercise your right to erasure of Personal Data we hold, we will:
* delete the Personal Data we hold about you in our internal systems (including the mapping between your Fizen account and your wallet addresses), to the extent permitted by our retention obligations described in clause 12;
* cease to use the on-chain data linked to you for our own purposes; and
* explain to you that the on-chain data itself remains on the underlying blockchain and is accessible to any person who queries that blockchain. This is a technical property of public blockchain networks, not a choice we have made.
## 11. Security
We implement technical and organisational measures designed to protect Personal Data against unauthorised access, accidental or unlawful destruction, loss, alteration, unauthorised disclosure or unauthorised access, including:
* Encryption of Personal Data in transit using TLS 1.2 or higher;
* Encryption of Personal Data at rest using industry-standard algorithms;
* Strict access controls based on least-privilege, with multi-factor authentication for administrative access, role-based authorisation, and audit logging of access events;
* Network segmentation and monitoring;
* Regular vulnerability scanning, penetration testing and security reviews;
* A documented incident response and breach notification process;
* Vendor security due diligence and contractual security obligations;
* Privacy and security training for our staff.
Notwithstanding these measures, no system is completely secure. Transmission of data over the internet involves residual risk that you accept by using the Platform.
## 12. Data Retention
We retain Personal Data for as long as necessary to provide the Services and to meet our legal, regulatory, tax, accounting and dispute-resolution obligations. The retention period for each category of Personal Data is determined by the criteria below.
| Category of data | Retention period | Why |
| - | - | - |
| **KYC documents and verification results** | Account lifetime + 7 years after closure | AML/CFT recordkeeping (HK AMLO; EU AMLD6; FATF Recommendation 11; local equivalents) |
| **Transaction records** (Card, QR Pay, Marketplace, Swap, Ramp) | Account lifetime + 7 years after closure | AML, tax and financial-services recordkeeping |
| **Wallet addresses** associated with your Fizen account | Account lifetime + 7 years after closure | AML / transaction-monitoring records; on-chain data itself is publicly retained independently |
| **Account profile and preferences** | Account lifetime + 30 days after closure | Account administration and short tail for reactivation |
| **Customer-support communications** | 5 years from last interaction | Service-quality records; defence of claims |
| **Marketing engagement data and analytics** | Up to 26 months from collection | Industry-standard analytics retention |
| **Cookie-based data** | As stated in the Cookie Policy (typically up to 13 months for analytics, shorter for session, longer for consent records) | ePrivacy / CNIL guidance and PECR |
| **Sanctions and PEP screening records** | 10 years from screening | Sanctions defence and supervisory recordkeeping |
| **Fraud and suspicious-activity reports (SARs)** | 10 years from report or filing | Defence; supervisory access; FATF/local FIU recordkeeping |
| **Backups and disaster-recovery snapshots** | Rolling 90 days | Business continuity |
| **Anonymised statistical aggregates** | Indefinite | No longer Personal Data once anonymised |
Where Applicable Law requires longer retention, the longer period applies. Where you exercise the right to erasure, we delete the Personal Data we are not required to retain and we limit the use of retained data to the legal-compliance purpose.
## 13. Your Rights
Depending on the Applicable Privacy Law in your jurisdiction, you have the following rights in relation to your Personal Data:
* **Right of access** — to obtain confirmation that we process your Personal Data and to obtain a copy of it.
* **Right to rectification** — to have inaccurate Personal Data corrected and incomplete Personal Data completed.
* **Right to erasure** — to have your Personal Data deleted, subject to the exceptions in Applicable Privacy Law (including retention required by AML/CFT, tax, accounting and contract obligations, and to defend legal claims), and subject to the blockchain immutability described in clause 10.
* **Right to restriction of processing** — to limit how we process your Personal Data in certain circumstances.
* **Right to data portability** — to receive a copy of your Personal Data in a structured, commonly used, machine-readable format and, where technically feasible, to have it transmitted to another controller.
* **Right to object** — to processing based on legitimate interests, including profiling for marketing purposes. You may object to direct marketing at any time and unconditionally.
* **Right to withdraw consent** — where we rely on consent, you may withdraw it at any time, without affecting the lawfulness of processing before withdrawal.
* **Right to lodge a complaint** — with the supervisory authority of your habitual residence, your place of work or the place of the alleged infringement (see clause 22).
* **Right not to be subject to automated decision-making** — see clause 6.
### 13.1 How to exercise your rights
Submit a request through [legal@fizen.io](mailto:legal@fizen.io), or the in-app live chat. We will verify your identity using the email address associated with your Fizen account and, where required by Applicable Privacy Law, additional information. We will respond within the time required by Applicable Privacy Law (in most cases within one month under GDPR / UK GDPR, with one further extension of up to two months where reasonably necessary; in most US states within 45 days, extendable by 45 days where reasonably necessary; in Vietnam within the timelines under Decree 13).
You may authorise an agent to make a request on your behalf. We will verify the agent's authority and your identity before responding.
If we deny your request and you are a resident of a jurisdiction that grants an appeal right (for example, Virginia, Colorado, Connecticut and other US states), you may appeal by replying to our denial.
### 13.2 Exceptions and limits
Some rights are subject to exceptions under Applicable Privacy Law, including:
* Erasure does not apply where we are required to retain the data for AML, sanctions, tax, financial-services or other regulatory purposes, or to establish, exercise or defend legal claims.
* Erasure does not extend to data permanently recorded on a public blockchain (see clause 10).
* Portability applies only to Personal Data we hold on the basis of consent or contract.
* We may charge a reasonable fee for excessive or manifestly unfounded requests, or refuse to act on them, where permitted by Applicable Privacy Law.
## 14. Personal Data Breach Notification
In the event of a Personal Data breach that is likely to result in a risk to your rights and freedoms, we will notify the relevant supervisory authority within seventy-two (72) hours of becoming aware of the breach where required by GDPR Article 33 or UK GDPR Article 33. Where the breach is likely to result in a high risk to your rights and freedoms, we will notify you without undue delay in accordance with GDPR Article 34 / UK GDPR Article 34, including the nature of the breach, the categories and approximate number of data subjects and records concerned, the likely consequences, and the measures we have taken or propose to take.
In jurisdictions with different breach-notification timelines (including Vietnam, the Philippines, Singapore and various US states), we will notify in accordance with the applicable local timelines.
## 15. Children and Minors
The Platform is not intended for, and is not directed to, individuals under the age of 18, and we require all users to be at least 18 years old or the age of majority in their jurisdiction, whichever is higher. We do not knowingly collect Personal Data from individuals below this age. If you believe we have collected Personal Data of an individual below the applicable age threshold, please contact our legal team at [legal@fizen.io](mailto:legal@fizen.io) and we will delete the data as soon as reasonably practicable.
Where Applicable Privacy Law sets a lower age for valid consent in the context of information society services (for example, GDPR Article 8 sets ages between 13 and 16 depending on the member state; UK GDPR sets 13; COPPA sets 13; Vietnam Decree 13 sets 16), and you reach out to us indicating that an account exists in respect of a person between that lower age and 18, we will apply the protections required by that law.
## 16. US State Privacy Notice
This section provides information required by US state privacy laws (including the CCPA/CPRA, Virginia VCDPA, Colorado CPA, Connecticut CTDPA, Utah UCPA, Texas TDPSA, Oregon OCPA, Montana CDPA and similar laws). It applies in addition to the rest of this Privacy Policy if you are a resident of a US state with a comprehensive privacy law.
### 16.1 Categories of Personal Information we collect and disclose
In the past 12 months we have collected the following categories of Personal Information about US residents: (a) Identifiers; (b) Customer records; (c) Characteristics of protected classifications (age, where collected for AML and Card eligibility); (d) Commercial information; (e) Internet or other electronic network activity; (f) Geolocation data; (g) Professional or employment-related information (where you provide it); (h) Inferences drawn from the above. We have disclosed each of these categories to the categories of recipients described in clause 7.
### 16.2 Sensitive Personal Information
We collect the following Sensitive Personal Information: government identifiers; biometric and image data; financial account information; precise geolocation (only with your consent). We use Sensitive Personal Information only for the limited purposes permitted by CPRA, including providing the Services you request, security and compliance with law. You have the right to limit our use of Sensitive Personal Information by contacting us through the in-app live chat support.
### 16.3 "Sale" and "share" of Personal Information
We do not sell Personal Information for monetary consideration. However, our use of analytics and advertising cookies and similar technologies may constitute a "sale" or "share" under the CCPA/CPRA and analogous US state laws. You can opt out at any time using the link "Do Not Sell or Share My Personal Information" in the footer of the Platform and by configuring your cookie preferences. We also respect the Global Privacy Control (GPC) signal as a valid opt-out where required by Applicable Privacy Law.
### 16.4 Your rights as a US resident
Subject to the conditions and exceptions in your state's law, you have the right to know, the right to delete, the right to correct, the right to opt out of sale or sharing, the right to limit use of Sensitive Personal Information, the right to data portability, and the right not to be discriminated against for exercising your privacy rights. Submit a request through [legal@fizen.io](mailto:legal@fizen.io), or the in-app live chat.
### 16.5 California Shine the Light
California residents may request information about the disclosure of Personal Information to third parties for direct marketing purposes by contacting [legal@fizen.io](mailto:legal@fizen.io).
### 16.6 No financial incentive
We do not currently offer any financial incentive in exchange for the collection, sale or retention of Personal Information.
## 17. Vietnam — Additional Information
If you are located in the Socialist Republic of Vietnam, the following additional information applies in addition to the rest of this Privacy Policy.
* **Legal basis.** Our processing of your Personal Data is based on (a) the performance of our contract with you, (b) compliance with legal obligations applicable to Fizen and to our Vietnamese Local Payment Partner (including KYC and AML obligations), and (c) your consent, where consent is required.
* **Sensitive Personal Data.** We process the categories of Sensitive Personal Data described in clause 5 in accordance with Article 13 of Decree 13/2023/ND-CP.
* **Cross-border transfer.** Before commencing or materially changing a cross-border transfer of Personal Data of Vietnamese data subjects, we complete a Transfer Impact Assessment and submit the prescribed notification to the Ministry of Public Security in accordance with Article 25 of Decree 13/2023.
* **Your rights.** You have the rights described in clause 13, exercised in accordance with the response timings required by Decree 13/2023. You may lodge a complaint with the Ministry of Public Security (Department of Cyber Security and High-Tech Crime Prevention — A05).
## 18. Other Jurisdictions
If you are located in another jurisdiction with a comprehensive privacy regime (including the Philippines, Singapore, Hong Kong, Brazil, the UAE and others), we process your Personal Data in accordance with the applicable local law. Specific notices and contact details for those jurisdictions are available at fizen.io/privacy/regions.
## 20. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
* **Non-material changes** (clarifications, typographical corrections, updates to contact details, descriptions of new internal tools that do not change the nature of processing) take effect on posting of the revised Policy on the Platform.
* **Material changes** (changes to the categories of Personal Data we collect, the purposes for which we process, the legal bases we rely on, the categories of recipients with whom we share, the international transfer mechanisms or your rights) take effect no earlier than thirty (30) days after we have notified you by email to the address associated with your account, by prominent in-app notification, and by updating the "Last Updated" date at the top of this Policy.
* **Changes requiring new consent.** Where a change introduces a new processing purpose for which consent is the legal basis, we will request fresh consent before that processing begins in respect of you.
## 21. Governing Law
The governing-law and dispute-resolution provisions of the Fizen Master Terms of Use apply to this Privacy Policy. No choice of law in this Policy or in the Fizen Master Terms of Use deprives you of the protection of mandatory privacy or data-protection laws applicable in your place of habitual residence.
##
# Fizen Promotions Master Terms
Source: https://docs.fizen.io/promotion-master-terms
*Reusable framework for promotional campaigns + sample Campaign Rules*
Applicable to all promotional campaigns Fizen runs. Read together with the Fizen Master Terms of Use, Fizen Privacy Policy, Fizen Rewards Program Terms and the applicable Campaign Rules.
**Effective date: 5 June 2026**
# **Fizen Promotions Master Terms**
These Fizen Promotions Master Terms (the “Promotions Master Terms”) set out the framework applicable to all promotional campaigns Fizen offers (each, a “Campaign”). Each Campaign is also subject to its own Campaign Rules, which specify the period, eligibility, qualifying activity, reward and other Campaign-specific details. The Promotions Master Terms supplement, and form part of, the Fizen Master Terms of Use, and operate together with the Fizen Rewards Program Terms in respect of FiPoint-denominated rewards.
## **1. Definitions**
| **Term** | **Meaning** |
| :- | :- |
| **\$FIZEN** | the digital asset proposed to be issued by Fizen or an Affiliate. As at the date of these Promotions Master Terms, \$FIZEN has not been launched. References in any Campaign Rules to a Reward in \$FIZEN are governed by clause 4 of these Promotions Master Terms and clause 6.4 of the Rewards Program Terms. |
| **Campaign** | a specific promotional offer made available by Fizen, identified by name and subject to its own Campaign Rules. |
| **Campaign Period** | the period during which a Participant may perform a Qualifying Activity to earn a Reward. |
| **Campaign Rules** | the specific terms applicable to a particular Campaign, including the Campaign Period, eligibility criteria, Qualifying Activity, Reward, caps and any additional conditions. |
| **FiPoint** | the rewards unit operated under the Fizen Rewards Program. References elsewhere to 'Fizen Points' or 'Points' shall be construed as references to FiPoint. |
| **Participant** | a user of the Fizen Platform who is eligible for a Campaign and who participates in accordance with the Campaign Rules. |
| **Pre-Launch \$FIZEN Allocation** | has the meaning given in clause 6.4 of the Rewards Program Terms. |
| **Qualifying Activity** | the action a Participant must complete during the Campaign Period to earn the Reward. |
| **Reward** | the benefit a Participant earns for completing a Qualifying Activity (e.g., a Card issuance fee refund, an amount of FiPoint, a fee discount, a voucher, or a Pre-Launch \$FIZEN Allocation under clause 4). |
| **Sponsor** | Fizen Limited, unless a different entity is identified as Sponsor in the Campaign Rules. |
## **2. General Eligibility**
To participate in any Campaign, you must satisfy all eligibility requirements in clause 5 of the Fizen Master Terms of Use, hold an active Fizen account in good standing with KYC at the level required, be a natural person (unless a Campaign expressly states otherwise), be habitually resident in a jurisdiction in which the Campaign is offered, and satisfy any additional eligibility criteria in the Campaign Rules. Fizen employees, contractors and their immediate family members are not eligible unless expressly stated.
## **3. Participation, Validation and Reward Delivery**
Performing a Qualifying Activity makes you provisionally eligible for the Reward. Fizen validates and delivers the Reward within the time stated in the Campaign Rules. Fizen may delay or withhold pending validation, KYC re-verification, AML/sanctions checks, or fraud investigation.
## **4. Rewards in \$FIZEN and Pre-Launch \$FIZEN Allocations**
| **Important — read clause 6.4 of the Rewards Program Terms before designing or accepting any Reward denominated in \$FIZEN.** Where a Campaign offers a Reward in \$FIZEN, the Reward is delivered (where the Participant is eligible) as a Pre-Launch \$FIZEN Allocation under, and is governed by, clause 6.4 of the Rewards Program Terms. The Participant does not receive any \$FIZEN token at the time of Reward delivery; the Participant receives a record entry only. Distribution of actual \$FIZEN tokens is intended to occur upon the Token Generation Event (TGE), subject to Fizen's reserved rights set out in clause 6.4(d) of the Rewards Program Terms — including, without limitation, Fizen's right to change conversion ratios, delay or cancel TGE, restrict distribution by jurisdiction, substitute equivalent value, or impose additional eligibility at TGE. **\$FIZEN-denominated Rewards (including Pre-Launch \$FIZEN Allocations) are not available to U.S. Persons, residents of restricted jurisdictions, sanctioned persons, or any other person whose receipt would be unlawful or contravene the Rewards Program Terms.** |
| :- |
## **5. No Investment Solicitation**
Nothing in any Campaign, marketing communication or Reward is, or should be construed as, investment, financial, tax or legal advice, a recommendation to acquire, hold or dispose of any Digital Asset (including \$FIZEN), a solicitation to buy or sell any security, or a financial promotion that is not in compliance with Applicable Law in your jurisdiction.
## **6. Fraud, Abuse and Anti-Gaming**
Prohibited: creating multiple accounts; using false, stolen or other identities; colluding with Members, Merchants or third parties; structuring transactions whose primary purpose is to qualify; exploiting bugs or undocumented behaviour; using bots, scripts or automation; any other activity inconsistent with the spirit of the Campaign. Fizen may investigate, suspend or terminate participation, withhold, reverse or recover Rewards (including FiPoint and Pre-Launch \$FIZEN Allocations), refuse future participation, and report to authorities. Fizen's decision is final.
## **7. Reservation of Rights — Modification, Suspension and Termination**
Fizen may modify the Campaign Rules of any Campaign at any time. Material adverse changes take effect no earlier than seven (7) days after Fizen has notified affected Participants by in-app notification, except where immediate change is required by law, regulator, court, sanctions, security incident, force majeure or to prevent fraud. Fizen may suspend or terminate any Campaign at any time, including before the stated end of the Campaign Period. Fizen may disqualify Participants who have breached these Promotions Master Terms, the Campaign Rules, the Fizen Master Terms of Use, the Rewards Program Terms or Applicable Law, and may decline or revoke Rewards (including Pre-Launch \$FIZEN Allocations) issued in error, in breach, or as a result of fraud or system fault.
## **8. Tax**
Participants are solely responsible for any tax (income, capital gains, VAT, GST, transaction tax) arising from receiving a Reward, including any Pre-Launch \$FIZEN Allocation and any subsequent receipt of \$FIZEN tokens at TGE. Tax may arise at multiple points (Reward earning, redemption, TGE, transfer). Fizen may, where required, withhold tax, report Rewards to tax authorities and issue tax forms (e.g., Form 1099 for U.S. taxpayers, or successor — although U.S. Persons are excluded from \$FIZEN-related Rewards).
## **9. Privacy and Public Announcement**
Fizen processes Participants' Personal Data in connection with each Campaign in accordance with the Fizen Privacy Policy. For certain Campaigns, Fizen may publicly announce winners or top Participants (leaderboards, hall of fame). Where Applicable Law requires opt-in, Fizen will obtain consent or use an anonymised identifier.
## **10. Disclaimers and Limitation of Liability**
| **CAMPAIGNS AND REWARDS ARE PROVIDED "AS IS" AND "AS AVAILABLE". FIZEN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED.** |
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To the maximum extent permitted by Applicable Law, Fizen and its Affiliates shall not be liable for loss arising from any Campaign, including loss of expected Rewards (including loss of expected \$FIZEN distribution where TGE does not occur or where Fizen exercises its reserved rights), modification, suspension or termination, technical failures, eligibility miscalculations, tax consequences or third-party act/omission. Fizen's aggregate liability shall not exceed the fair-market value of the Reward at the time of dispute, capped at USD 250 (or local equivalent). Nothing limits any liability that cannot be limited by Applicable Law.
## **11. Order of Precedence**
In the event of conflict between (a) the Campaign Rules of a Campaign, (b) these Promotions Master Terms, (c) the Fizen Rewards Program Terms (in respect of FiPoint and Pre-Launch \$FIZEN Allocations), and (d) the Fizen Master Terms of Use, the order of precedence (highest first) is: Campaign Rules > Promotions Master Terms > Rewards Program Terms > Master Terms of Use.
## **12. General**
The provisions of the Fizen Master Terms of Use (including dispute resolution, governing law, class-action and jury-trial waiver, notices and miscellaneous) apply to all Campaigns.
# Reward Program Terms
Source: https://docs.fizen.io/reward
Applicable to all participants in the Fizen Rewards Program. Read together with the Fizen Master Terms of Use and the Fizen Privacy Policy.
Effective date: 5 June 2026
# **Important Notice — Please Read Before Joining the Program**
| **THE FIZEN REWARDS PROGRAM (THE "PROGRAM") IS A PROMOTIONAL LOYALTY PROGRAM OPERATED BY FIZEN. FIPOINT IS A PROMOTIONAL BENEFIT. FIPOINT:**
**— HAS NO CASH VALUE;— IS NOT MONEY, ELECTRONIC MONEY OR A DEPOSIT;— IS NOT YOUR PROPERTY;— IS NOT INSURED BY ANY GOVERNMENTAL DEPOSIT-PROTECTION SCHEME;— IS NOT TRANSFERABLE, ASSIGNABLE, GIFTABLE OR INHERITABLE;— CANNOT BE WITHDRAWN, CONVERTED OR SOLD FOR FIAT CURRENCY OR CRYPTOCURRENCY EXCEPT AS EXPRESSLY PROVIDED IN CLAUSE 6;— DOES NOT REPRESENT ANY OWNERSHIP, EQUITY, INVESTMENT, INTEREST, RIGHT TO DIVIDENDS OR DISTRIBUTIONS, OR ANY CLAIM AGAINST FIZEN OR ITS AFFILIATES.**
**REDEMPTION OF FIPOINT FOR \$FIZEN — IMPORTANT. CURRENTLY \$FIZEN HAS NOT BEEN LAUNCHED. WHEN YOU REDEEM FIPOINT FOR \$FIZEN IN THE FIZEN APP, YOU DO NOT ACQUIRE \$FIZEN TOKENS (THERE ARE NONE YET). YOUR REWARDS PROGRAM ACCOUNT INSTEAD RECORDS A PRE-LAUNCH \$FIZEN ALLOCATION ENTRY. UPON THE TOKEN GENERATION EVENT (TGE), FIZEN INTENDS TO DISTRIBUTE \$FIZEN TOKENS TO ELIGIBLE HOLDERS OF PRE-LAUNCH ALLOCATIONS PRO RATA, SUBJECT TO THE TERMS IN CLAUSE 6.4 AND TO FIZEN'S RESERVED RIGHTS. FIZEN MAY CHANGE THE CONVERSION RATIO, DELAY OR CANCEL TGE, RESTRICT DISTRIBUTION BY JURISDICTION, OR SUBSTITUTE EQUIVALENT VALUE — SEE CLAUSE 6.4. \$FIZEN MAY NEVER LAUNCH. IF IT DOES, ITS VALUE MAY BE ZERO OR NEAR ZERO.**
**PRE-LAUNCH \$FIZEN ALLOCATIONS ARE NOT AVAILABLE TO U.S. PERSONS.**
**FIZEN MAY MODIFY, SUSPEND OR TERMINATE THE PROGRAM, AND CHANGE EARNING RATES, REDEMPTION VALUES, EXPIRY RULES, ELIGIBILITY AND OTHER FEATURES, AT ANY TIME, SUBJECT TO THE NOTICE REQUIREMENTS IN CLAUSE 11.** |
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By joining the Program (by accepting these Terms in the Fizen app, by earning your first FiPoint, or by redeeming a FiPoint), you confirm that you have read, understood and agreed to these Fizen Rewards Program Terms (the “Program Terms”). The Program Terms supplement, and form part of, the Fizen Master Terms of Use.
# **1. Definitions**
Capitalised terms used and not defined in these Program Terms have the meanings given in the Fizen Master Terms of Use. In addition:
| **Term** | **Meaning** |
| :- | :- |
| **\$FIZEN** | the digital asset proposed to be issued by Fizen or an Affiliate as Fizen's native token. As at the date of these Program Terms, \$FIZEN has NOT been launched and does not exist on any blockchain. References to \$FIZEN in these Program Terms are to the digital asset as it may, if launched, exist following the Token Generation Event. |
| **Eligible Activity** | any activity Fizen designates from time to time as eligible to earn FiPoint, as described in clause 4. |
| **FiPoint** | a unit of the Fizen Rewards Program, recorded in your Program account in the Fizen app, having the characteristics in clause 3. References elsewhere in the Fizen documentation to 'Fizen Points' or 'Points' shall be construed as references to FiPoint. |
| **Member** | a user of the Fizen Platform who has joined the Program and has not been suspended, terminated or otherwise excluded. |
| **Partner** | any third party (merchant, brand, exchange, content provider) that participates in the Program. |
| **Pre-Launch \$FIZEN Allocation** | a record entry maintained by Fizen in your Rewards Program account that reflects an amount of FiPoint you have redeemed under clause 6.4 and that is intended (subject to clause 6.4) to be relevant to a future distribution of \$FIZEN tokens to eligible Members following the Token Generation Event. A Pre-Launch \$FIZEN Allocation is NOT a \$FIZEN token, NOT property, NOT a security, and is subject to Fizen's reserved rights described in clause 6.4(d). |
| **Program** | the Fizen Rewards Program operated by Fizen under these Program Terms. |
| **Reward** | any benefit obtained by redeeming FiPoint, as described in clause 6. |
| **Tier** | the loyalty tier (such as Bronze, Silver, Gold, Platinum) to which a Member is allocated. |
| **Token Generation Event (TGE)** | the public launch of \$FIZEN on a blockchain selected by Fizen, at a time, on a network, and subject to terms determined by Fizen in its sole discretion. The TGE may not occur. |
# **2. Eligibility and Enrolment**
To join the Program you must satisfy all eligibility requirements in clause 5 of the Fizen Master Terms of Use, hold an active Fizen account in good standing with KYC at the level required, be a natural person, be habitually resident in an eligible jurisdiction, accept these Program Terms, and not have been previously suspended or terminated. Fizen employees and their immediate family members are not eligible unless expressly stated.
Participation is voluntary. FiPoint is awarded as a promotional benefit only and does not form part of any commercial bargain for which you have paid consideration.
# **3. Nature of FiPoint**
| This clause is the legal foundation of the Program. It establishes that FiPoint is a promotional benefit, not a financial product or a security. |
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## **3.1 Promotional benefit only**
FiPoint is a promotional benefit Fizen makes available to eligible Members at Fizen's sole discretion. FiPoint is recorded in your Program account in the Fizen app for tracking purposes only.
## **3.2 No value, no property, no entitlement**
FiPoint has no cash value. FiPoint is not money, electronic money, a deposit, a financial instrument, a security, a virtual currency, a stablecoin, a payment instrument, a stored-value instrument, a gift card, a commodity or any other regulated product. FiPoint does not create any proprietary or ownership interest in favour of the Member, does not represent any equity, debt, dividend, distribution or claim against Fizen, its Affiliates, \$FIZEN or any other person, and does not entitle the Member to any return, profit or capital appreciation.
## **3.3 No expectation of profit**
You acknowledge that you do not earn or redeem FiPoint with any expectation of profit derived from the entrepreneurial or managerial efforts of Fizen or any third party, including in respect of any future distribution of \$FIZEN under clause 6.4. Fizen does not represent that FiPoint will retain value, increase in value, or be redeemable for items of any particular value over time.
## **3.4 Non-transferable**
FiPoint is personal to the Member who earned it. FiPoint may not be sold, transferred, assigned, gifted, exchanged, pledged, bequeathed, charged or used as collateral. Any attempt is null and void and may result in forfeiture and termination.
## **3.5 No conversion to fiat or crypto**
FiPoint cannot be redeemed for, or withdrawn as, fiat currency or cryptocurrency, except as expressly set out in clause 6. Even where clause 6.4 allows redemption to a Pre-Launch \$FIZEN Allocation, the Allocation is not itself a token, fiat or crypto and conveys no immediate right to fiat or crypto.
## **3.6 Records and balances**
Fizen's records of FiPoint balances, transactions and redemptions are conclusive in the absence of manifest error. If you believe a recorded balance is wrong, you must contact Fizen within thirty (30) days; otherwise the balance is deemed correct.
# **4. Earning FiPoint**
Fizen may, in its sole discretion, allow Members to earn FiPoint by undertaking Eligible Activities including: eligible transactions (Card, QR Pay, in-Wallet swap); eligible referrals; promotional campaigns; achieving and maintaining Tiers; completing identity verification, security upgrades and other onboarding activities. Earning rates, qualifying thresholds, eligible products, eligible currencies, eligible Merchant Category Codes and geographic restrictions are set by Fizen and listed in the Fizen app. Fizen may change these prospectively.
The following are NOT eligible activities unless expressly designated otherwise: (a) fees, taxes, network fees, gas fees; (b) refunded, reversed, cancelled, voided or disputed transactions; (c) transactions in violation of the Fizen Master Terms of Use, these Program Terms or Applicable Law; (d) transactions with related-party Merchants, the Member's own accounts or accounts of family members where structured to generate FiPoint; (e) wash transactions, round-trip transactions, or transactions whose primary purpose is to earn FiPoint; (f) transactions undertaken while the Member is under sanctions or AML investigation; or (g) any other activity Fizen designates as excluded.
FiPoint is normally credited within seventy-two (72) hours of the qualifying activity, but may be delayed where settlement is pending, where verification is required, or where Fizen suspects fraud or breach.
## **4.1 Excluded Merchant Category Codes (MCCs)**
Certain Card transactions are not eligible to earn FiPoint (whether under the base earning rate, a promotion or a campaign) regardless of whether they would otherwise satisfy the Qualifying Criteria. A transaction is excluded if the Merchant Category Code ("MCC") assigned to it by the Visa network falls within an excluded category. The following categories of transactions are excluded from FiPoint eligibility:
(a) **Cash-equivalent transactions**, including ATM withdrawals, manual cash disbursements, wire transfers, money orders, traveller's cheques and quasi-cash transactions;
(b) **Financial services and money-movement transactions**, including person-to-person (P2P) transfers, stored-value card loads, digital wallet funding, brokerage or investment account funding, and purchases of cryptocurrency or other virtual assets;
(c) **Gambling, betting and lottery transactions**, including any transaction with a merchant primarily engaged in gambling, sports betting, casino operations, or lottery services;
(d) **Government payments**, including tax payments, government fines and penalties, bail and bond payments, and government-administered loan repayments; and
(e) **Insurance premium payments**, including payments to insurance companies or intermediaries for any class of insurance product.
The categories above are illustrative and not exhaustive. Fizen reserves the right, in its sole discretion and without prior notice, to exclude additional MCCs or MCC categories from FiPoint eligibility at any time. The current list of excluded MCCs is published in the Fizen app under the Rewards Program section and is incorporated into these Terms by reference as **Schedule A (MCC Exclusion List)**. It is the Member's responsibility to review the Schedule A exclusion list prior to making any Card transaction for which FiPoint eligibility is material.
Fizen determines MCC classification by reference to the merchant identifier and transaction data reported by the Visa network. If a merchant has been mis-coded by the network, the network's classification controls — Fizen will not retroactively credit FiPoint based on the merchant's actual business activity.
# **5. Expiry and Forfeiture**
Unless otherwise stated for a campaign, FiPoint expires one (1) month after the date credited. Expired FiPoint is forfeited and cannot be reinstated. Fizen may, but is not obliged to, send a courtesy reminder before expiry.
All FiPoint (and any Pre-Launch \$FIZEN Allocation) is immediately forfeited upon: termination, suspension or closure of your Fizen account for any reason; breach of these Program Terms or the Fizen Master Terms of Use; fraud, abuse, manipulation or gaming of the Program; violation of Applicable Law (AML, sanctions, tax); absence of any qualifying activity for twelve (12) consecutive months; Fizen's reasonable suspicion that the Member is on a sanctions list or is otherwise prohibited; and termination of the Program in accordance with clause 11.
Fizen may at any time reverse, void, recover or claw back FiPoint (and any Pre-Launch \$FIZEN Allocation derived from it) credited (a) in error, (b) as a result of system fault, (c) for transactions later refunded, reversed, voided or charged back, (d) for transactions that were fraudulent or in breach, or (e) for transactions that were the subject of a chargeback. If your FiPoint balance is insufficient, Fizen may set off against any other balance you hold.
# **6. Redeeming FiPoint and Rewards**
## **6.1 Redemption options**
Subject to availability, eligibility, redemption thresholds and any restrictions stated in the Fizen app, FiPoint may be redeemed for the following categories of Rewards:
* Fee discounts on Fizen Services (Card fees, QR Pay fees, Pay merchant fees, in-Wallet swap fees, etc.);
* Vouchers and gift cards issued by Partners, including merchant gift cards and digital vouchers, made available through the Fizen Marketplace;
* Fizen-branded or Partner-branded merchandise and experiences;
* Subscriptions to Fizen Tier benefits or third-party services;
* Charitable donations to selected non-profit organisations; and
* A Pre-Launch \$FIZEN Allocation, subject to the additional terms in clause 6.4.
## **6.2 Redemption values**
The amount of FiPoint required for any Reward is set by Fizen and may vary by Reward, Member, Tier, jurisdiction, time and any other factor. The redemption value of a FiPoint is disclosed in the Fizen app at the time of redemption. Fizen may change redemption values at any time, prospectively (subject to clause 11).
## **6.3 Vouchers, gift cards and Partner Rewards**
Vouchers, gift cards and other Partner Rewards are subject to the Partner's own terms (expiry, geographic restrictions, refund/return policies). Fizen is not the supplier and does not warrant the underlying product. Recourse for Partner Reward issues is against the Partner; Fizen may, as a courtesy, assist.
## **6.4 Redemption for Pre-Launch \$FIZEN Allocation**
| **Important — please read this clause in full before redeeming any FiPoint for \$FIZEN.***\$FIZEN has not been launched. When you redeem FiPoint for \$FIZEN, you do not receive any \$FIZEN token. You receive a record entry called a Pre-Launch \$FIZEN Allocation, which is subject to Fizen's reserved rights set out below. \$FIZEN may never launch. If it does, its value may be zero or near zero, and the actual amount of \$FIZEN you receive may be more or less than the amount currently displayed against your Allocation.* |
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(a) Mechanics of redemption. From time to time Fizen may, in its sole discretion, make available within the Fizen app a feature that lets you redeem FiPoint for a Pre-Launch \$FIZEN Allocation, at a conversion ratio displayed in the Fizen app at the time of redemption. When you complete a redemption: (i) the relevant amount of FiPoint is deducted from your FiPoint balance and cannot be reinstated; (ii) a Pre-Launch \$FIZEN Allocation entry, in an amount calculated by reference to the then-applicable conversion ratio, is recorded against your Rewards Program account; and (iii) no \$FIZEN token is issued, transferred or set aside for you on any blockchain at that time.
(b) Nature of a Pre-Launch \$FIZEN Allocation. A Pre-Launch \$FIZEN Allocation is NOT a \$FIZEN token; is NOT money, e-money, a deposit, property, a security, a financial instrument, a unit in a collective investment scheme, or any other regulated product; is NOT transferable, assignable, giftable, pledgeable, charged or capable of being used as collateral; is NOT redeemable for fiat or cryptocurrency on its own; and creates no proprietary or ownership interest of the Member in any Fizen asset. A Pre-Launch \$FIZEN Allocation is a promotional record entry that may, but is not required to, become relevant to a distribution of \$FIZEN tokens after TGE in accordance with this clause 6.4.
(c) Intended treatment at TGE. If Fizen, in its sole discretion, proceeds with the Token Generation Event, Fizen intends to distribute \$FIZEN tokens to eligible holders of Pre-Launch \$FIZEN Allocations, calculated in proportion to those Allocations, subject in each case to: (i) any additional terms Fizen may publish in connection with the launch of \$FIZEN (such additional terms, if any, will be made available before or at the time of TGE), (ii) regulatory clearance in your jurisdiction at the time of distribution, (iii) the Member's continued eligibility (including the US Person exclusion and Restricted Jurisdiction exclusion in clause 6.4(e)), (iv) any vesting, lockup, holding-period or transfer restriction Fizen may impose, (v) the Member providing any additional KYC, sanctions, tax-residency or eligibility information Fizen reasonably requests at TGE, (vi) the Member's payment of any applicable network or processing fees, and (vii) compliance with applicable AML and sanctions screening at the time of distribution. The actual amount of \$FIZEN distributed at TGE may differ from the amount displayed against your Pre-Launch Allocation if Fizen changes the conversion methodology under clause 6.4(d) or for any other reason in this sub-clause.
(d) Fizen's reserved rights. Without limiting the generality of clause 11, Fizen expressly reserves the right, in its sole discretion and at any time, to:
* change the conversion ratio between FiPoint and Pre-Launch \$FIZEN Allocation prospectively (changes apply to redemptions made after the change);
* change the conversion methodology by which Pre-Launch Allocations translate into \$FIZEN tokens at TGE;
* delay TGE indefinitely;
* cancel TGE entirely and discontinue the \$FIZEN project, in which case Pre-Launch Allocations will be cancelled without further compensation, except (and only to the extent) Fizen elects to substitute equivalent reward in its sole discretion (which may include a return of FiPoint, fee credits or other Rewards);
* restrict distribution by jurisdiction (including by excluding distribution to additional jurisdictions identified after the date of these Program Terms);
* substitute equivalent value (return of FiPoint, fee credit, another Reward) in lieu of \$FIZEN distribution, if Fizen reasonably concludes that distribution of \$FIZEN to a Member would be unlawful, impracticable, or expose Fizen to material risk;
* impose additional eligibility requirements at TGE (including enhanced KYC, accredited-investor or professional-investor verification, tax-residency confirmation, source-of-funds documentation);
* decline to deliver \$FIZEN to any person if delivery would, in Fizen's reasonable opinion, violate Applicable Law or scheme rules, expose Fizen to regulatory, criminal or material reputational risk, or contravene any court order, sanctions designation or regulatory direction;
* cancel, void, claw back or recalculate Pre-Launch Allocations attributable to fraud, abuse, manipulation, breach of these Program Terms or breach of Applicable Law; and
* structure the post-TGE distribution to comply with vesting, lockup, transfer restriction or holding-period requirements as Fizen considers necessary or desirable.
(e) Eligibility for Pre-Launch Allocations and distribution. Pre-Launch \$FIZEN Allocations are NOT available to, and \$FIZEN will NOT be distributed at TGE to:
* U.S. Persons (as defined in Regulation S under the U.S. Securities Act of 1933, as amended);
* residents of any jurisdiction in which the offer, sale or distribution of \$FIZEN or analogous tokens is not lawful or in which Fizen has determined not to offer them (as identified in the Fizen app from time to time);
* persons on any sanctions or restricted-party list;
* persons who would not satisfy investor-eligibility requirements that may apply at TGE (such as accredited-investor or professional-investor categories).
Eligibility is assessed at the time of redemption AND at the time of TGE distribution. A Member who is eligible at the time of redemption may cease to be eligible at the time of distribution; in that case, the Pre-Launch Allocation is forfeited or Fizen may substitute equivalent value in its sole discretion under clause 6.4(d).
(f) Your representations on each redemption. By redeeming FiPoint for a Pre-Launch \$FIZEN Allocation, you represent and warrant that:
* you are not redeeming with any investment intent, and you do not expect a profit derived from the entrepreneurial or managerial efforts of Fizen or any third party;
* you understand that \$FIZEN may never launch, that TGE may be delayed or cancelled, and that even if TGE occurs the actual amount of \$FIZEN distributed to you may be less than (including zero) or different from the amount currently displayed against your Allocation;
* you understand that the conversion ratio displayed at redemption may be changed prospectively, that the conversion methodology at TGE is subject to change, and that the value of \$FIZEN, if launched, may be zero or near zero;
* you are eligible under clause 6.4(e) and you are not redeeming on behalf of, or for the benefit of, any ineligible person;
* your redemption complies with Applicable Law in your jurisdiction;
* you are not relying on any statement, representation, warranty or other inducement made by Fizen other than as expressly set out in these Program Terms and any additional terms Fizen may publish in connection with the launch of \$FIZEN (if and when published);
* you have read and understood the risk disclosures in clause 6.4(g).
(g) Risk disclosures specific to Pre-Launch \$FIZEN Allocations.
* \$FIZEN may never launch. If TGE does not occur, Pre-Launch Allocations will be cancelled and (except to the extent Fizen elects in its sole discretion to substitute equivalent reward) you will receive nothing in return for the FiPoint you redeemed.
* Even if \$FIZEN launches, its market value may be zero or near zero. There is no guarantee that any market for \$FIZEN will develop or persist.
* Conversion ratio risk. The conversion ratio Fizen displays in the app at redemption may change prospectively. The conversion methodology Fizen applies at TGE may differ from the ratio displayed at redemption.
* Vesting, lockup and transfer-restriction risk. \$FIZEN you receive at TGE may be subject to vesting, lockup or transfer restrictions that prevent or delay your ability to sell or use it. The duration, conditions and economics of any such restrictions will be set out by Fizen at or before the time of TGE.
* Regulatory risk. The legal characterisation of \$FIZEN, of Pre-Launch Allocations, and of the post-TGE distribution is uncertain and changing. Regulators may at any time take action that prevents, delays, modifies or unwinds any aspect of \$FIZEN, the distribution mechanism or the Allocation. Fizen may be required by Applicable Law to alter the distribution mechanism (including by excluding additional jurisdictions, imposing additional eligibility, withholding amounts for tax, or paying equivalent fiat value in lieu of tokens).
* Eligibility risk. You may cease to be eligible to receive \$FIZEN between redemption and TGE distribution. In that case, your Allocation may be forfeited.
* Smart contract and network risk. If \$FIZEN is launched, the contract, blockchain network and any custodial infrastructure may experience bugs, failures, exploits or congestion that delay or prevent your receipt of \$FIZEN.
* Tax risk. The tax treatment of FiPoint redemption to a Pre-Launch Allocation, of the Allocation itself, and of the eventual receipt of \$FIZEN is uncertain and depends on Applicable Law in your jurisdiction. You are solely responsible for assessing and paying any tax. Tax may arise at the time of redemption, at TGE, or at any other time, and may exceed any value you ultimately receive.
* No advice. Nothing in this clause 6.4 or in the Fizen app constitutes investment, financial, tax, legal or accounting advice or a recommendation to redeem FiPoint for a Pre-Launch Allocation.
* No insurance. Pre-Launch Allocations and any \$FIZEN distributed at TGE are not insured by any deposit-protection, investor-protection or analogous scheme.
(h) No re-conversion. A Pre-Launch \$FIZEN Allocation cannot be converted back into FiPoint or into any other Reward (except to the extent Fizen elects in its sole discretion to substitute equivalent value under clause 6.4(d)).
(i) Inconsistency with future \$FIZEN terms. In the event of conflict between this clause 6.4 and any additional terms Fizen may publish in connection with the launch of \$FIZEN at or before the time of TGE, those additional terms prevail in respect of the matters they expressly address, except to the extent they purport to grant the Member rights against Fizen that are inconsistent with the rights and obligations set out in these Program Terms, in which case these Program Terms prevail.
## **6.5 Discretion to refuse redemption**
Fizen may refuse, delay, restrict or reverse any redemption (including a redemption to a Pre-Launch \$FIZEN Allocation) if Fizen reasonably suspects fraud, abuse, breach of these Program Terms, sanctions or AML risk, or any other circumstance Fizen considers material.
## **6.6 No refunds of redeemed FiPoint**
Once redeemed, FiPoint cannot be reinstated, refunded or exchanged for other Rewards, except (a) where Applicable Law requires otherwise or (b) in Fizen's sole discretion as a customer-service matter.
# **7. Tiers and Tier Benefits**
Fizen may operate a tiered structure (Bronze, Silver, Gold, Platinum, or analogous) within the Program. Tier allocation, qualification, retention, downgrade rules and Tier benefits are set by Fizen and disclosed in the Fizen app. Fizen may add or remove Tiers, change qualification thresholds, and add or remove benefits prospectively. Tier status is personal, non-transferable, and creates no contractual entitlement beyond benefits Fizen has confirmed in writing for a stated period.
# **8. Fraud, Abuse and Anti-Gaming**
Prohibited: creating multiple accounts; using false, stolen or other identities; colluding with Members, Merchants or third parties; structuring transactions whose primary purpose is to earn FiPoint or Pre-Launch Allocations; exploiting bugs, faults or undocumented behaviour; using bots, scripts or automation; any other activity inconsistent with the spirit of the Program. Fizen may investigate, suspend or terminate participation, reverse FiPoint and Pre-Launch Allocations, refuse to honour Rewards or to deliver \$FIZEN, reverse already-issued Rewards (including by recovering equivalent value), set off against other balances, and report to law enforcement. Fizen's decision is final.
# **9. Tax**
You are solely responsible for any tax arising from earning, holding, redeeming or forfeiting FiPoint, Rewards, Pre-Launch Allocations or \$FIZEN tokens (if and when distributed). Tax may arise at multiple points (earning, redemption, TGE, transfer, sale). Fizen does not provide tax advice. Fizen may, where required by Applicable Law, withhold tax, report to tax authorities, and issue tax forms (including Form 1099 or successor for U.S. taxpayers — although U.S. Persons are excluded from the Program insofar as concerns Pre-Launch \$FIZEN Allocations).
# **10. No Investment, Tax or Legal Advice**
Nothing in the Program — including the availability of \$FIZEN redemption and the Pre-Launch Allocation mechanic, Tier benefits, Partner Rewards, marketing communications, in-app messaging or educational content — constitutes investment, financial, tax, legal or accounting advice or a recommendation to acquire, hold or dispose of any Digital Asset (including \$FIZEN), to use any Service, or to engage in any transaction.
# **11. Modification, Suspension and Termination of the Program**
Fizen may modify any aspect of the Program — earning rates, redemption values, eligibility, Tier structures, available Rewards, expiry rules, the \$FIZEN redemption pathway, the conversion ratio, the TGE timing, and these Program Terms — at any time. Non-material changes take effect on posting. Material adverse changes take effect no earlier than fourteen (14) days after Fizen has notified affected Members. Notwithstanding the foregoing, changes to the conversion ratio, the TGE timing, the conversion methodology at TGE, and any eligibility for \$FIZEN distribution may take effect with immediate or shorter notice where required by Applicable Law, by regulator action, or to prevent fraud or material risk to Fizen.
Fizen may suspend or terminate the Program in whole or in part at any time — with thirty (30) days' prior notice for routine termination, or immediately where required by law, regulator, court, sanctions, security incident, force majeure or to prevent fraud. Upon termination, earning of new FiPoint ceases; Members are given a redemption window of no less than thirty (30) days for non-\$FIZEN Rewards; at the end of the window, unredeemed FiPoint is forfeited without compensation. Pre-Launch Allocations are subject to clause 6.4(d).
Participation does not create any vested or contractual right to continued FiPoint earning, continued Tier status, continued availability of any Reward (including Pre-Launch Allocation redemption or any \$FIZEN distribution), or continued operation of the Program.
# **12. Suspension or Termination of a Member's Participation**
Fizen may suspend, restrict or terminate any Member's participation at any time, with or without prior notice, for breach of these Program Terms, the Fizen Master Terms of Use, any Product Schedule, Applicable Law or Program integrity. Upon termination, outstanding FiPoint and Pre-Launch Allocations are forfeited without compensation.
# **13. Privacy and Data Sharing**
To operate the Program Fizen processes Personal Data including account information, transaction history, KYC information, IP address, device, location data and Reward redemption history. The Fizen Privacy Policy applies. Fizen may share with Partners providing Rewards (limited to minimum data necessary), tax authorities, sanctions/AML/fraud providers, and other recipients identified in the Privacy Policy.
# **14. Disclaimers and Limitation of Liability**
| **THE PROGRAM, FIPOINT, PRE-LAUNCH \$FIZEN ALLOCATIONS AND REWARDS ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND. FIZEN DOES NOT WARRANT THAT THE PROGRAM WILL BE UNINTERRUPTED, ERROR-FREE OR AVAILABLE INDEFINITELY, THAT FIPOINT WILL ALWAYS BE EARNABLE OR REDEEMABLE, THAT PARTICULAR REWARDS WILL ALWAYS BE AVAILABLE, THAT THE PRE-LAUNCH \$FIZEN ALLOCATION PATHWAY WILL BE MAINTAINED, THAT THE CONVERSION RATIO WILL NOT CHANGE, OR THAT TGE WILL EVER OCCUR.** |
| :- |
To the maximum extent permitted by Applicable Law, Fizen and its Affiliates are not liable for loss arising from the Program, including loss of FiPoint, loss of Pre-Launch Allocations, loss of Tier status, loss of expected Rewards, the failure of TGE to occur, changes in conversion ratio or methodology, fluctuations in the value of any Reward (including \$FIZEN if launched), Partner failures, modification, suspension or termination, or tax liability. Fizen's aggregate liability to any Member arising out of the Program shall not exceed the fair-market value of FiPoint credited to that Member's Program account at the time of dispute, capped in any event at USD 100. Nothing limits any liability that cannot be limited by Applicable Law.
# **15. Jurisdiction-Specific Notes**
* United States. FiPoint is not a security, money, stored value or gift card under U.S. law. U.S. Persons (Regulation S) are NOT eligible to redeem FiPoint for Pre-Launch \$FIZEN Allocations and will NOT receive \$FIZEN at TGE. The Program is void where prohibited by U.S. federal or state law.
* European Union. FiPoint is not e-money (Directive 2009/110/EC), not a financial instrument under MiFID II, not a 'crypto-asset offered to the public' under MiCA (Regulation (EU) 2023/1114). \$FIZEN, if launched, may be a crypto-asset under MiCA and any required documentation will be made available at the time of TGE.
* United Kingdom. FiPoint is not e-money under UK EMRs 2011, not a regulated investment under FSMA. Communications about the Program are not financial promotions under section 21 FSMA. The Pre-Launch Allocation redemption pathway, where activated for UK residents, will be operated consistently with the UK cryptoasset-promotions regime.
* Hong Kong. FiPoint is not a virtual asset under AMLO, not a stored-value facility under PSSVFO, not a security under SFO.
* Singapore. FiPoint is not e-money, not stored value, not a digital payment token, not a capital-markets product under Singapore law.
* Vietnam. FiPoint is not phương tiện thanh toán, not ví điện tử, not chứng khoán under Vietnamese law.
* Other jurisdictions. Fizen may exclude residents of any jurisdiction from all or part of the Program, modify Program features available in that jurisdiction, or impose additional eligibility criteria.
# **16. Miscellaneous**
Save as expressly varied by these Program Terms, the provisions of the Fizen Master Terms of Use apply to your participation in the Program.
## **SCHEDULE ‘A’**
**Merchant Category Codes (MCC) - Restriction List**
| **MCC** | **Description** | |
| :- | :- | - |
| 4829 | Wire transfer / money orders | |
| 6010 | Manual cash disbursements | |
| 6011 | ATM / automated cash disbursements | |
| 6012 | Financial institutions — merch & services | |
| 6050 | Quasi-cash — member FI | |
| 6051 | Quasi-cash / FX / money orders | |
| 6532 | Payment transaction — member FI | |
| 6555 | Mastercard initiated rebate/rewards | |
| 6611 | Overpayments | |
| 6760 | Savings bonds | |
| 6529 | Remote stored value load — member FI | |
| 6530 | Remote stored value load | |
| 6531 | Payment service provider — money transfer | |
| 6533 | Payment transaction — merchant | |
| 6534 | Money transfer — member FI | |
| 6535 | Value purchase — member FI | |
| 6536 | MoneySend intracountry | |
| 6537 | MoneySend intercountry | |
| 6538 | MoneySend funding transaction | |
| 6540 | POI funding / stored value card load | |
| 7280 | Hospital patient personal funds withdrawals | |
| 7800 | Government-owned lotteries | |
| 7801 | Government-licensed online casinos | |
| 7802 | Government-licensed horse/dog racing | |
| 7948 | Race organizations | |
| 7995 | Gambling betting lotteries | |
| 9754 | Gambling — horse/dog racing state lotteries | |
| 6211 | Security brokers / dealers | |
| 6513 | Real estate agents — rentals | |
| 6539 | Payment transactions — misc | |
| 5542 | Automated fuel dispenser | |
| 5816 | Digital goods — games | |
| 5960 | Direct marketing — insurance | |
| 5993 | Cigar stores and stands | |
| 6300 | Insurance sales / premiums | |
| 7272 | Escort services | |
| 7273 | Dating or escort services | |
| 7297 | Massage parlors | |
| 7322 | Debt collection agencies | |
| 9211 | Court costs | |
| 9222 | Fines | |
| 9223 | Bail and bond payments | |
| 9311 | Tax payments | |
| 9401 | I-Purchasing pilot | |
| 9405 | Intra-government purchases | |
| 9411 | Government loan payments | |
| 9700 | International automated referral service (Visa) | |
| 9701 | Visa credential server (Visa) | |
| 9702 | GCAS emergency services (Visa) | |
| 9721 | International affairs (embassies) | |
| 9950 | Intra-company purchases | |
| 4900 | Utilities | |
| 5199 | Nondurable goods NEC | |
| 7349 | Cleaning and maintenance | |
| 7523 | Parking lots and garages | |
| 8211 | Elementary & secondary schools | |
| 8220 | Colleges and universities | |
| 8241 | Correspondence schools | |
| 8244 | Business and secretarial schools | |
| 8249 | Trade and vocational schools | |
| 8299 | Schools & educational services NEC | |
| 8398 | Charitable organizations | |
| 8631 | Labor unions | |
| 8651 | Political organizations | |
| 8661 | Religious organizations | |
| 9399 | Government services NEC | |
| 9402 | Postal services — government only | |
# Fizen Tokenized Securities Terms
Source: https://docs.fizen.io/tokenized-rwa
On-chain trading interface to Ondo-issued tokenized securities. Read together with the Fizen Master Terms of Use.
**Effective: 5 June 2026**
## Important Notice
THE FIZEN TOKENIZED SECURITIES FEATURE IS A USER-INTERFACE LAYER WITHIN THE FIZEN PLATFORM THAT LETS YOU ACCESS TOKENIZED SECURITIES TOKENS ISSUED BY ONDO FINANCE INC. AND ITS AFFILIATES ("ONDO") AND TRADE THEM ON-CHAIN THROUGH A DECENTRALISED EXCHANGE AGGREGATOR (1INCH FUSION).
FIZEN IS NOT A BROKER, NOT A DEALER, NOT AN EXCHANGE, NOT AN INVESTMENT ADVISER, NOT A SECURITIES INTERMEDIARY, AND NOT A LICENSED OPERATOR OF A MULTILATERAL OR ORGANISED TRADING FACILITY IN ANY JURISDICTION. FIZEN DOES NOT ISSUE THE TOKENS, DOES NOT MAINTAIN AN ORDER BOOK OR MATCHING ENGINE, DOES NOT TAKE OR HOLD USER FUNDS DURING TRADING, DOES NOT LIST OR DE-LIST TOKENS, DOES NOT SELECT TOKENS FOR YOU, DOES NOT RECOMMEND TOKENS, AND DOES NOT GIVE INVESTMENT ADVICE.
YOU TRADE ON-CHAIN BY SIGNING TRANSACTIONS WITH YOUR OWN NON-CUSTODIAL FIZEN WALLET. TOKENS SETTLE TO YOUR OWN NON-CUSTODIAL FIZEN WALLET. FIZEN DOES NOT CUSTODY THE TOKENS AT ANY POINT.
TOKENIZED SECURITIES ARE A NOVEL ASSET CLASS WHOSE LEGAL AND REGULATORY TREATMENT IS UNCERTAIN AND IS DIFFERENT IN EVERY JURISDICTION. YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT YOUR ACQUISITION, HOLDING AND DISPOSAL OF ANY TOKENIZED SECURITY COMPLIES WITH APPLICABLE LAW WHERE YOU ARE LOCATED.
THE TOKENIZED SECURITIES FEATURE IS NOT AVAILABLE TO U.S. PERSONS. U.S. PERSON STATUS IS ASSESSED BY FIZEN USING IP, KYC AND BEHAVIOURAL SIGNALS, AND BY ONDO USING ITS OWN ELIGIBILITY CHECKS. CIRCUMVENTION ATTEMPTS ARE A MATERIAL BREACH OF THESE TERMS AND OF THE FIZEN MASTER TERMS OF USE AND MAY RESULT IN PERMANENT ACCOUNT BAN AND REPORTING TO AUTHORITIES.
YOU MAY LOSE ALL OR SUBSTANTIALLY ALL OF THE VALUE OF ANY TOKENIZED SECURITY. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.
By accessing or using the Tokenized Securities feature, you confirm that you have read, understood and agreed to these Fizen Tokenized Securities Terms (the "TS Terms"), the Fizen Master Terms of Use and any Ondo offering documents made available to you.
## 1. Definitions
* **1inch Fusion** — the on-chain trading and routing protocol operated by the 1inch Network, through which tokenized-security trades are matched against Ondo Resolvers and executed.
* **Eligible Token** — a tokenized security token issued by Ondo that Fizen, through Ondo's API, makes visible in the Tokenized Securities feature of the Fizen app from time to time.
* **Ondo** — Ondo Finance Inc. and its Affiliates, including (without limitation) Ondo Capital Management LLC, the issuer of certain tokenized securities including those marketed under names such as OUSG and any other token Fizen surfaces from time to time.
* **Ondo Offering Documents** — the prospectus, private placement memorandum, offering circular, technical paper, risk disclosure or other primary offering or disclosure document published or made available by Ondo for an Eligible Token.
* **Resolver** — an on-chain market maker or liquidity provider that has been onboarded by Ondo and 1inch (Ondo conducts its own KYB on Resolvers) and that provides liquidity for trades in Eligible Tokens through 1inch Fusion.
* **Tokenized Security** — an Eligible Token that, by its terms, represents an interest in an underlying real-world security (such as a U.S. Treasury bill, a money-market fund, a publicly listed share, or a similar instrument).
* **U.S. Person** — a "U.S. person" within the meaning of Rule 902(k) of Regulation S under the U.S. Securities Act of 1933 (as amended), including a natural person resident in the United States, an entity organised or incorporated under the laws of the United States, an estate of which an executor or administrator is a U.S. person, a trust of which a trustee is a U.S. person, a non-discretionary account held by a dealer or other fiduciary for a U.S. person, and other persons identified in Rule 902(k).
## 2. What the Tokenized Securities Feature Is — and What It Is Not
### 2.1 What it is
The Tokenized Securities feature is a user-interface layer within the Fizen app that:
* displays the catalogue of Eligible Tokens that Ondo has made available, by reading Ondo's public API. Fizen does not curate, rank, select, recommend, label as 'popular' or otherwise editorialise this catalogue; Fizen surfaces what Ondo publishes;
* displays market data (indicative prices, descriptions of the underlying security, risk warnings) provided by Ondo via the Ondo API;
* provides the user-interface controls that let you initiate a trade by signing an on-chain transaction with your own Private Key in the Fizen Wallet; and
* forwards the signed transaction to 1inch Fusion for on-chain execution against Ondo Resolvers.
### 2.2 What it is not
Fizen, through the Tokenized Securities feature:
* does not issue any Eligible Token; Ondo is the issuer;
* does not solicit, offer for sale, advertise the sale of, recommend, advise on, or actively distribute any Eligible Token;
* does not act as broker, dealer, agent, market maker, principal, or other intermediary for any trade;
* does not maintain an order book, a matching engine, a multilateral or organised trading facility, an alternative trading system, or any centralised matching service;
* does not take, hold, receive, pool, transmit, custody, settle for, deliver to, or have access to any user funds, tokens or Eligible Tokens at any stage of the trade;
* does not provide investment, financial, tax, legal or accounting advice;
* does not perform KYC or any other customer-due-diligence on you for the purpose of accessing this feature (you may have completed KYC for other Fizen Services; that KYC is used for sanctions and U.S.-Person screening in respect of this feature, but it is not a regulatory KYC for the trade itself);
* does not list or de-list Eligible Tokens; that decision is made by Ondo;
* does not warrant the licensing status, securities-law treatment or regulatory characterisation of any Eligible Token in any jurisdiction.
### 2.3 Ondo's role
Ondo is the issuer of the Eligible Tokens. Ondo (or one of its Affiliates) holds the underlying real-world securities or other underlying assets that back the Eligible Tokens. Ondo issues, redeems and structures the Eligible Tokens, and conducts its own KYB on its Resolvers. Ondo does not sell Eligible Tokens directly to retail users through the Fizen interface. Ondo's terms, offering documents and eligibility restrictions apply to the Eligible Tokens; the version of those documents in force at the time of your trade prevails over anything inconsistent in these TS Terms or in the Fizen app.
### 2.4 1inch Fusion's role
1inch Fusion is an independent decentralised exchange protocol operated by the 1inch Network. When you sign a trade in the Fizen app, the signed transaction is forwarded to 1inch Fusion, which matches and routes it against on-chain Resolvers. Trade execution, price, slippage and settlement are determined by the 1inch Fusion protocol and the participating Resolvers, not by Fizen. The 1inch Network terms apply to this routing.
## 3. Eligibility — U.S. Persons Excluded
The Tokenized Securities feature is not made available to U.S. Persons. The exclusion is enforced at the application layer using IP, KYC and behavioural signals, and is additionally enforced by Ondo. Use of the feature by, or attempted use by, a U.S. Person is a material breach of these TS Terms and may result in permanent account ban and reporting to authorities.
### 3.1 General eligibility
To use the Tokenized Securities feature, you must:
* satisfy all eligibility requirements in clause 5 of the Fizen Master Terms of Use;
* not be a U.S. Person;
* not be habitually resident in, or accessing the feature from, any jurisdiction in which Fizen has determined the feature is not available (which includes, at a minimum, the United States, U.S. territories, comprehensively sanctioned jurisdictions, and any jurisdiction in which Ondo has restricted the relevant Eligible Token);
* be eligible to acquire and hold the relevant Eligible Token under the Ondo Offering Documents for that token, including any investor-eligibility criteria (such as 'accredited investor', 'professional investor', 'qualified investor', 'qualified purchaser' or analogous categories) that Ondo imposes;
* not be on, or owned (50% or more) or controlled by a person on, any sanctions or restricted-party list;
* comply with all Applicable Law applicable to you in respect of the acquisition, holding and disposal of the Eligible Token in your jurisdiction; and
* accept these TS Terms and any additional disclosures Ondo makes available at the time of the trade.
### 3.2 Multi-layer enforcement of the U.S.-Person exclusion
Fizen enforces the U.S.-Person exclusion through (a) IP-based geo-blocking of the feature for connections originating in the United States, (b) where you have completed KYC for another Fizen Service, the KYC data (nationality, residential address, identification documents, tax residency where collected), (c) behavioural signals consistent with U.S. activity (including language, time-zone, transaction patterns), and (d) on-detection ban (Fizen reserves the right to revoke access to the feature and to the broader Fizen Platform if Fizen has reason to believe the user is a U.S. Person regardless of any KYC data on file). Ondo operates its own eligibility checks at the protocol layer and may decline to route trades that fail those checks.
### 3.3 No reliance on the feature to determine your own eligibility
The fact that the Tokenized Securities feature appears in your Fizen app does not constitute Fizen's confirmation that you are eligible to use it under Applicable Law in your jurisdiction. You bear sole responsibility for determining your eligibility, including obtaining your own legal, tax and investment advice. Fizen's geo-blocking and signal-based enforcement is a risk-management tool for Fizen, not a regulatory determination for your benefit.
### 3.4 Your representations on each trade
Each time you use the Tokenized Securities feature, you represent and warrant (and Fizen relies on those representations in making the feature available to you) that:
* you are not a U.S. Person;
* you are not located in, or accessing the feature from, any jurisdiction in which the feature is not made available;
* you are eligible to acquire and hold the Eligible Token in question under the Ondo Offering Documents, including any investor-eligibility criteria;
* your acquisition, holding and disposal of the Eligible Token complies with Applicable Law where you are located;
* you have read and understood the relevant Ondo Offering Documents and the risk disclosures in these TS Terms;
* you are not relying on Fizen for any selection, recommendation, advice, suitability assessment or eligibility determination;
* you understand that Eligible Tokens may have lockup, transfer or holding-period restrictions, and you accept those restrictions;
* you are acting for your own account and not on behalf of any undisclosed third party (or, if you are acting in an authorised representative capacity, you are duly authorised and you and the principal both satisfy these representations); and
* you are not relying on any expectation of profit from the entrepreneurial or managerial efforts of Fizen.
## 4. How a Trade Works
When you use the Tokenized Securities feature to trade an Eligible Token:
* you select the Eligible Token in the Fizen app from the catalogue surfaced from the Ondo API;
* the Fizen app displays the indicative price, the spread, an estimate of the slippage tolerance, the fees applicable to the trade, and any Ondo-supplied disclosures or risk warnings;
* you review and confirm the trade. Confirmation requires you to sign the resulting on-chain transaction using your Private Key in the Fizen Wallet. By signing, you authorise the transaction. Fizen does not, and cannot, sign on your behalf;
* the signed transaction is forwarded to 1inch Fusion, which matches and routes it against participating Resolvers;
* the Eligible Token (or, for a sale, the proceeds in the supported settlement asset) settles directly to your Fizen Wallet on-chain. Fizen does not take or hold the token, the funds or any intermediate position; and
* Fizen does not control execution price, execution timing, slippage outcome, Resolver selection or any other parameter of the on-chain trade. Execution is a function of the 1inch Fusion protocol and the Resolvers' on-chain liquidity.
## 5. Fees
The total cost of a trade may include: (a) the spread or fee retained by the Resolver, (b) the 1inch Fusion protocol fee, (c) any Ondo issuance, redemption or programme fee built into the Eligible Token, (d) Blockchain network (gas) fees you pay to validators, and (e) a Fizen interface fee, if any, as disclosed in the Fee Schedule and at the point of trade. Fees are deducted from the trade automatically and are not separately billed.
## 6. No Investment, Tax or Legal Advice; No Solicitation
Nothing made available through the Tokenized Securities feature — including the catalogue of Eligible Tokens, indicative prices, descriptions of the underlying assets, displayed yields or returns, search results, push notifications, educational content, in-app messaging, marketing communications, or any other information — constitutes (a) investment, financial, tax, legal or accounting advice, (b) a personal recommendation, (c) a suitability assessment, (d) an offer or solicitation to buy or sell any security or other instrument, (e) a financial promotion within the meaning of any applicable law, or (f) any form of distribution of securities. Fizen does not assess your individual circumstances, investment objectives, risk tolerance, financial situation or any other suitability factor.
You are solely responsible for your investment decisions. You should consult independent qualified professionals before making any investment decision.
## 7. Risk Disclosures
Tokenized Securities involve significant and distinctive risks, including the risk of total loss. You should not use this feature unless you can bear total loss and have made your own independent enquiries. The principal risks include:
### 7.1 Securities-law characterisation risk
The legal characterisation of tokenized securities is uncertain and varies by jurisdiction. An Eligible Token may, in your jurisdiction, be a security, a financial instrument under MiFID II / MiCA, a unit in a collective investment scheme, a derivative, an e-money product, a virtual asset under HK AMLO, a digital payment token, or a regulated product under another regime. The acquisition, holding, distribution, marketing and disposal of such an instrument may be regulated in ways that you must comply with. Fizen does not determine your local-law treatment and is not a position to advise you on it.
### 7.2 Market and liquidity risk
The market for Eligible Tokens may be illiquid. You may not be able to exit a position at a price you consider acceptable, or at all. Spreads may widen significantly during periods of market stress. The price of an Eligible Token may not closely track the value of its underlying real-world security at all times.
### 7.3 Issuer and underlying-asset risk
Ondo, the issuer, may experience operational, regulatory, solvency, custodial or governance issues. The underlying real-world securities or assets that back Eligible Tokens are held by third-party custodians or vehicles arranged by Ondo and are subject to those custodians' and vehicles' risks. If Ondo or any underlying custodian fails, the value of the Eligible Token may be impaired or eliminated.
### 7.4 Token-vs-underlying risk
An Eligible Token is not the underlying security itself. It is a tokenized representation. The rights you have as a holder of the Eligible Token (including in respect of dividends, distributions, voting, corporate actions, redemption, transferability, and rights against the issuer or the underlying custodian) are defined by Ondo in the Ondo Offering Documents and may be materially less than the rights of a direct holder of the underlying security. In many cases, Eligible Tokens do not pass through dividends, distributions or voting rights to retail holders.
### 7.5 Smart-contract and protocol risk
Eligible Tokens, the 1inch Fusion protocol, and the Resolver infrastructure are implemented as smart contracts and on-chain protocols. They may contain bugs, vulnerabilities, oracle failures, governance failures or be exploited. Loss of value resulting from such failures is not recoverable by Fizen.
### 7.6 MEV and execution risk
On-chain trades are subject to MEV (maximal extractable value) extraction, front-running, sandwich attacks and other on-chain execution risks. The price you receive may be materially worse than the price displayed at quote time.
### 7.7 Regulatory action risk
Regulators in various jurisdictions may at any time bring enforcement action against Ondo, against 1inch, against Resolvers, against Fizen, or against the broader tokenized securities ecosystem. Enforcement action may result in (a) the trading of an Eligible Token being suspended or terminated, (b) an Eligible Token being required to be redeemed at a price set by the regulator or the issuer, (c) Fizen being required to disable the feature in your jurisdiction, or (d) other adverse consequences. Fizen reserves the right, in its sole discretion, to disable the feature in any jurisdiction at any time in response to regulatory developments.
### 7.8 Sanctions and AML risk
Resolvers, Ondo and Fizen may apply sanctions and AML screening at the protocol, infrastructure or application layer. Your trade may be blocked, delayed or reversed, and you and your wallet address may be reported to authorities.
### 7.9 Tax risk
The tax treatment of Eligible Tokens is uncertain and varies by jurisdiction. You may face income tax, capital gains tax, withholding tax, transaction tax, VAT/GST or other tax. Some jurisdictions may treat Eligible Tokens as collective-investment-scheme interests, others as derivatives, others as miscellaneous income. You are solely responsible for your tax.
### 7.10 No insurance
Eligible Tokens are not insured by any deposit-protection scheme, investor compensation scheme (such as SIPC in the United States), or analogous scheme.
## 8. Acceptable Use
In addition to the prohibited acts in the Master Terms of Use, you must not:
* use a VPN, Tor, proxy, residential-proxy network or similar tool to access the Tokenized Securities feature from a jurisdiction in which it is not made available, or to evade the U.S.-Person exclusion;
* provide false KYC information for any other Fizen Service in order to obtain access to the Tokenized Securities feature;
* misrepresent your nationality, residence, tax residency or U.S.-Person status to Fizen, Ondo or any Resolver;
* use the feature to manipulate the market in Eligible Tokens or in the underlying securities, including by wash trading, spoofing, layering or coordinated activity;
* use the feature to acquire Eligible Tokens for resale or distribution to U.S. Persons or to other ineligible persons;
* use the feature in any way that would cause Fizen, Ondo or 1inch to violate any law in any jurisdiction; or
* attempt to exploit any bug, MEV vector, oracle failure or smart-contract flaw.
Breach of this clause may result in immediate revocation of access to the Tokenized Securities feature, suspension or termination of your Fizen account, forfeiture of any balance, and reporting to authorities.
## 9. Compliance and Reservation of Rights
Fizen reserves the right, in its sole discretion and without prior notice where notice would be impracticable, to: (a) disable the Tokenized Securities feature in any jurisdiction at any time; (b) revoke your access to the feature; (c) refuse to surface, route or process any trade; (d) restrict the set of Eligible Tokens visible in your Fizen app; (e) request additional information or documentation from you (including investor-eligibility documentation, source-of-funds information and tax residency); (f) report you, your wallet addresses and your activity to regulators, Ondo, 1inch and law-enforcement authorities; and (g) cease offering the feature altogether. Such actions may be triggered by, among other things, regulatory action, Ondo's instructions, 1inch's instructions, Fizen's own assessment of risk, or your conduct.
## 10. Disclaimers and Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOKENIZED SECURITIES FEATURE IS PROVIDED "AS IS" AND "AS AVAILABLE", AT YOUR OWN RISK. FIZEN DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AVAILABILITY, ACCURACY OF DATA, ACCURACY OF PRICES, AND NON-INFRINGEMENT. FIZEN MAKES NO REPRESENTATION OR WARRANTY (i) AS TO THE LEGAL CHARACTERISATION OF ANY ELIGIBLE TOKEN IN ANY JURISDICTION, (ii) AS TO ONDO'S OR ANY RESOLVER'S COMPLIANCE WITH APPLICABLE LAW, (iii) AS TO THE BACKING, CUSTODY OR REDEEMABILITY OF ANY UNDERLYING ASSET, (iv) AS TO THE AVAILABILITY OF LIQUIDITY FOR ANY ELIGIBLE TOKEN, OR (v) AS TO THE OUTCOME OR PROFITABILITY OF ANY TRADE.
To the maximum extent permitted by Applicable Law, Fizen and its Affiliates shall not be liable for any loss arising from: (a) your use of the Tokenized Securities feature; (b) any Eligible Token, including its design, performance, issuance, redemption, suspension, de-listing or insolvency; (c) the act, omission, performance, non-performance or insolvency of Ondo, any Resolver, 1inch, any custodian of an underlying asset, or any other third party; (d) market movements, slippage, MEV extraction or other on-chain execution outcomes; (e) regulatory action against Ondo, 1inch, any Resolver, or the tokenized securities ecosystem; or (f) any tax liability.
Fizen's aggregate liability to you in respect of the Tokenized Securities feature shall not exceed the Fizen interface fee, if any, retained by Fizen in respect of the trades giving rise to the claim. Fizen's aggregate liability in respect of the feature in any twelve-month period shall not exceed the greater of (i) the total Fizen interface fees paid to Fizen in that period in respect of the feature, and (ii) USD 100. The limitations do not apply to the extent prohibited by Applicable Law.
## 11. Indemnification
To the maximum extent permitted by Applicable Law, you agree to defend, indemnify and hold harmless Fizen, Ondo, 1inch and their respective Affiliates, officers, directors, employees, agents, licensors and service providers from claims, damages, losses, liabilities, costs and expenses (including reasonable legal fees) arising from: (a) your use of the Tokenized Securities feature; (b) your breach of these TS Terms, the Fizen Master Terms of Use or the Ondo Offering Documents; (c) your violation of Applicable Law (including securities, sanctions, AML and tax laws); (d) your misrepresentation of your eligibility (including U.S.-Person status); (e) any infringement of third-party rights by you; or (f) any tax liability arising from your trades.
## 12. Jurisdiction-Specific Notices
* **United States.** The feature is not made available to U.S. Persons. Eligible Tokens have not been registered under the U.S. Securities Act of 1933 or with any U.S. state securities regulator and may not be offered or sold to U.S. Persons.
* **European Economic Area.** Where an Eligible Token constitutes a 'financial instrument' under MiFID II (Directive 2014/65/EU), it falls outside the MiCA crypto-asset regime (Regulation (EU) 2023/1114, MiCA Article 2(4)) and is governed by MiFID II and national implementing legislation. Fizen does not provide investment services under MiFID II and is not authorised as an investment firm in any EEA member state.
* **United Kingdom.** Where an Eligible Token is a 'specified investment' under the Regulated Activities Order (RAO), the carrying on of regulated activities in respect of it is restricted under the Financial Services and Markets Act 2000 (FSMA). The Tokenized Securities feature is made available to UK residents only insofar as such availability does not constitute the carrying on of a regulated activity in the United Kingdom by Fizen. The feature is not made available to retail clients to the extent the UK financial-promotion regime restricts such availability. UK residents should consult independent advice before using the feature.
* **Hong Kong.** The Securities and Futures Ordinance (Cap. 571) regulates dealing in securities. To the extent any Eligible Token is a 'security' under SFO, the feature is made available only insofar as Fizen Limited's role does not constitute dealing in or advising on securities for the purposes of SFO. Fizen Limited holds no SFC licence.
* **Singapore.** The Securities and Futures Act 2001 (SFA) regulates capital-markets products. To the extent any Eligible Token is a 'capital markets product' under the SFA, the feature is made available only insofar as Fizen's role does not constitute dealing in or advising on capital markets products. Fizen holds no Capital Markets Services licence from MAS.
* **Other jurisdictions.** Fizen makes no representation that the feature is lawful in any other jurisdiction. You are solely responsible for assessing the lawfulness of your access in your jurisdiction.
## 13. Miscellaneous
Save as expressly varied by these TS Terms, the provisions of the Fizen Master Terms of Use (including dispute resolution, governing law, class-action and jury-trial waiver, notices and miscellaneous clauses) apply to your use of the Tokenized Securities feature. In the event of conflict between these TS Terms and the Ondo Offering Documents in respect of an Eligible Token, the Ondo Offering Documents prevail in respect of the matters they address. In the event of conflict between these TS Terms and the 1inch terms in respect of the execution of a trade, the 1inch terms prevail in respect of the execution.
# Fizen eSIM Terms of Use
Source: https://docs.fizen.io/untitled-page
**Effective: 08/08/2026**
These Fizen eSIM Terms of Use (“eSIM Terms”) govern your purchase, installation and use of eSIMs and associated data plans made available through the Fizen Platform.
Please read these eSIM Terms carefully before placing an Order.
## 1. About These eSIM Terms
### 1.1 Contracting parties
These eSIM Terms form a binding agreement between you (“you” or “User”) and Fizen LLC, a company incorporated in the USA with company number 2026-002051712 and registered office at 30 N Gould St Ste R Sheridan, WY 82801 (“Fizen”, “we”, “us” or “our”).
### 1.2 Relationship with other Fizen terms
These eSIM Terms are Product Terms under the Fizen Master Terms of Use and must be read together with:
* the Fizen Master Terms of Use;
* the Fizen Privacy Policy;
* the Fizen Rewards Program Terms, where Fizen Credits or Rewards apply;
* the Fizen Wallet Terms, where you use the Fizen Wallet to make payment;
* the Product Details displayed for your selected eSIM; and
* any additional conditions disclosed before you complete an Order.
Capitalised terms not defined in these eSIM Terms have the meanings given in the Fizen Master Terms of Use.
If these eSIM Terms conflict with the Master Terms, these eSIM Terms prevail only in relation to the eSIM Service.
The Fizen Wallet Terms govern your use of the Fizen Wallet and any blockchain transaction used to make payment. These eSIM Terms govern the purchase and use of the eSIM and associated Data Plan.
### 1.3 Product Details
Each eSIM may have different:
* coverage;
* data allowance;
* validity period;
* activation deadline and Activation Policy;
* network availability;
* speed policy;
* hotspot availability;
* time zone;
* fair-use restrictions; and
* other technical or commercial conditions.
The Product Details and Order confirmation displayed at the time of purchase form part of your agreement with Fizen. You must review them carefully before completing an Order.
### 1.4 Help Center
Current installation instructions, device guidance, troubleshooting information and frequently asked questions are available in the [Fizen eSIM Help Center](https://docs.fizen.io/help-center/fizen-esim/fizen-esim).
The Help Center contains operational guidance and may be updated as devices, networks and Supplier requirements change. Unless expressly stated otherwise, Help Center content does not replace or amend these eSIM Terms.
If general Help Center guidance conflicts with the Product Details for a particular eSIM, the applicable Product Details prevail.
## 2. Definitions
In these eSIM Terms:
* **“Activation”** means the event that causes a Data Plan’s usage or validity period to begin, as described in the Product Details.
* **“Activation Deadline”** means the deadline by which an eSIM or Data Plan must be activated.
* **“Activation Policy”** means the plan-specific rules determining when and how Activation occurs.
* **“Data Plan”** means the prepaid mobile data package associated with an eSIM.
* **“eSIM”** means the digital SIM profile supplied through the Fizen Platform.
* **“eSIM Service”** means the functionality through which Fizen makes eSIMs and Data Plans available.
* **“Installation”** means downloading or adding an eSIM profile to a device, whether through an installation link, QR code, SM-DP+ address, activation code or another method.
* **“Order”** means a request to purchase an eSIM or Data Plan through the Fizen Platform.
* **“Product Details”** means the plan-specific information displayed before purchase and in the Order confirmation.
* **“Product Issue”** means a verified technical or quality issue attributable to the eSIM, Fizen or a Supplier that materially prevents the Data Plan from operating substantially as described in the Product Details.
* **“Supplier”** means an eSIM supplier, aggregator, mobile network operator or other third party involved in providing the eSIM or Data Plan.
* **“Trip Guarantee Policy”** means the policy published on the [1:1 Trip Guarantee & Refunds](https://docs.fizen.io/help-center/fizen-esim/trip-guarantee) page.
## 3. The eSIM Service
### 3.1 Description
The eSIM Service allows you to purchase a digital SIM profile and an associated prepaid Data Plan through the Fizen Platform.
Unless the Product Details expressly state otherwise, an eSIM:
* provides mobile data only;
* does not include a telephone number, voice calls or SMS;
* does not support emergency calls; and
* is intended for personal travel use.
You should maintain another method of communication where access to calls, SMS or emergency services may be required.
### 3.2 Fizen and Suppliers
Fizen makes eSIMs available and arranges their supply through Marketplace Suppliers and local mobile network operators.
Mobile connectivity is delivered through third-party networks. Fizen does not own or operate those networks and does not control their coverage, capacity, maintenance, roaming arrangements or network-management policies.
A Supplier may impose additional technical, activation or acceptable-use requirements. Any material requirement known to Fizen that affects your purchase will be disclosed in the Product Details or otherwise made available before purchase where reasonably possible.
## 4. Orders and Delivery
### 4.1 Your pre-purchase checks
Before completing an Order, you must check:
* the selected destination or region;
* the countries included in coverage;
* the data allowance and plan type;
* the validity period;
* the Activation Policy and Activation Deadline;
* any speed or fair-use restrictions;
* hotspot availability;
* device compatibility; and
* the total price and payment method.
You are responsible for selecting a Data Plan appropriate for your destination, device, travel period and expected usage.
### 4.2 Order acceptance
An Order is accepted when Fizen confirms the purchase and makes the eSIM credentials or installation method available through the Fizen Platform or the contact information you provided.
Fizen may refuse or cancel an Order before delivery where:
* the selected Data Plan is unavailable;
* payment cannot be completed;
* the price or Product Details contain an obvious error;
* the Order triggers fraud, sanctions or compliance controls;
* a Supplier cannot fulfil the Order; or
* Fizen is required to do so by Applicable Law.
If Fizen cancels an Order after receiving payment but before delivering the eSIM, Fizen will return the amount paid without applying the change-of-mind processing fee in clause 12.2.
### 4.3 Delivery and credentials
You are responsible for maintaining access to your Fizen account and providing accurate contact information.
An eSIM QR code, installation link, activation code or SM-DP+ address is a unique digital credential. You must keep it secure and must not publish or share it with any unauthorised person.
## 5. Pricing and Payment
The price, currency, taxes, discounts and applicable fees will be displayed before you confirm an Order.
Payment may be made using any payment method made available at checkout.
Where you pay using a Digital Asset through the Fizen Wallet:
* the amount and conversion rate displayed when you confirm the transaction apply;
* blockchain network fees may apply;
* confirmed blockchain transactions are generally irreversible; and
* the Fizen Wallet Terms apply to the Wallet transaction.
The technical irreversibility of a blockchain payment does not remove any refund or mandatory consumer right that applies to the eSIM purchase.
Fizen Credits, promo codes and other Rewards are governed by the Fizen Rewards Program Terms and any applicable campaign terms. Unless expressly stated otherwise, promotional Credits are non-transferable and have no cash value.
## 6. Device Compatibility
Before purchasing an eSIM, you are responsible for checking that your device:
* supports eSIM technology;
* is network-unlocked;
* supports the relevant network frequencies;
* is permitted to use eSIM services in the destination; and
* has capacity to install another eSIM profile.
Compatibility may vary according to device model, market of manufacture, mobile carrier, operating-system version and carrier lock.
Current compatibility guidance is available on the [Supported Devices](https://docs.fizen.io/help-center/fizen-esim/supported-devices) page.
Any compatibility checker or device list is provided as guidance and does not replace verification with your device manufacturer or mobile carrier.
## 7. Installation and Activation
### 7.1 Installation
Installation may require a compatible device and stable internet connection.
You must follow the instructions applicable to your device and selected Data Plan. Current installation guidance is available in the Fizen eSIM Help Center.
You should not delete the eSIM until the associated Data Plan has expired or its data has been fully used. A deleted eSIM may not be capable of being downloaded or installed again.
### 7.2 Activation
Installation and Activation are separate events.
Depending on the selected Data Plan, Activation may occur:
* when the eSIM is installed;
* when the eSIM first connects to a supported network;
* on a specified date;
* automatically after a stated period following purchase; or
* upon another event stated in the Product Details.
You must review the applicable Activation Policy before downloading, installing, enabling or connecting the eSIM.
If a regional or global plan covers the country where you are currently located, enabling it before departure may cause its validity period or data usage to begin early.
Fizen is not responsible for validity or data lost because the eSIM was activated earlier than intended, unless Fizen provided materially incorrect Activation information.
### 7.3 One device
Unless the Product Details expressly state otherwise, an eSIM may be installed and used on one compatible device only.
Once installed or activated, an eSIM may not be transferable to another device. Resetting, repairing, replacing or changing your device may cause you to lose access to the eSIM.
## 8. Data Plans and Validity
### 8.1 Total-data plans
A total-data plan provides a stated amount of data for use during its validity period.
The Data Plan ends when its data allowance is exhausted or its validity period expires, whichever occurs first.
### 8.2 Daily-data plans
A daily-data plan provides a stated data allowance for each applicable day.
The allowance refreshes according to the time zone and reset policy shown in the Product Details. A calendar day may be measured using a Supplier-designated time zone rather than as a rolling 24-hour period from Activation.
After the stated high-speed allowance has been used, data access may stop or continue at a reduced speed, as described in the Product Details.
### 8.3 Unlimited-data plans
An unlimited-data plan does not have a fixed total-data allowance during its validity period.
“Unlimited” does not necessarily mean unlimited high-speed data. An unlimited plan may be subject to a daily high-speed allowance, speed reduction, hotspot restriction, reasonable network-management measures or a fair-use policy disclosed in the Product Details.
### 8.4 Usage measurement
Data usage is measured by the relevant Supplier or network operator and may be rounded according to its measurement increments.
The balance displayed by Fizen is based on information received from the Supplier. Updates may be delayed and may not exactly match your device’s built-in data counter.
### 8.5 Expiry and additional plans
A Data Plan stops working when:
* its validity period expires;
* its data allowance is exhausted;
* its Activation Deadline passes without Activation, where the applicable policy provides for expiry; or
* it is suspended or terminated under these eSIM Terms.
Additional plans, recharges or top-ups are available only where expressly offered. Purchasing another Data Plan does not necessarily extend or recharge an existing eSIM.
## 9. Coverage and Network Performance
Coverage information identifies the countries, regions and network operators on which the Data Plan is intended to operate. Coverage does not guarantee service at every location within a listed country or region.
Connectivity, availability and speed may be affected by:
* local network coverage and congestion;
* device compatibility and supported frequency bands;
* signal strength, terrain and buildings;
* network maintenance or outages;
* roaming arrangements;
* local laws and carrier policies;
* correct device, APN and roaming settings; and
* events outside Fizen’s or the Supplier’s reasonable control.
A reference to 3G, 4G or 5G means that the Data Plan may access that network type where available. It does not guarantee continuous access to that network type or any minimum speed.
Mobile traffic may be routed through another country. Certain websites, applications or online services—including, for example, TikTok or ChatGPT—may therefore be restricted depending on the network, routing location, service provider or laws of the country where the eSIM is used.
## 10. Hotspot, Fair Use and Acceptable Use
Hotspot or tethering is permitted only where the Product Details state that it is supported.
You must not use an eSIM:
* for resale or unauthorised commercial distribution;
* for unlawful, fraudulent, abusive or harmful activity;
* to send spam or malicious traffic;
* to interfere with a network or other users;
* in a manner that creates excessive or abnormal network load;
* to circumvent a technical, geographic or usage restriction; or
* in breach of the Acceptable Use provisions of the Master Terms.
For Data Plans subject to fair-use or network-management policies, the Supplier or network operator may reduce speed, restrict hotspot usage, suspend service or terminate the Data Plan where usage is excessive, abnormal, automated or materially affects other users.
## 11. Support and Remedy Order
### 11.1 Troubleshooting
If you experience an installation, Activation or connectivity issue, you must:
* follow reasonable troubleshooting instructions provided by Fizen;
* avoid deleting the eSIM while troubleshooting;
* give Fizen a reasonable opportunity to investigate and resolve the issue; and
* provide information reasonably necessary to verify the Order and diagnose the problem.
Current troubleshooting guidance is available in the [Troubleshooting Guide](https://docs.fizen.io/help-center/fizen-esim/troubleshooting).
### 11.2 Remedy order
Where an eligible request or verified Product Issue arises, Fizen will generally apply remedies in the following order:
1. diagnose and attempt to correct the issue;
2. exchange or replace the affected eSIM or Data Plan where reasonably available; and
3. provide a full or partial refund only where correction, exchange or replacement is unavailable, unsuccessful or not reasonably appropriate.
This remedy order does not limit any remedy that must be provided under Applicable Law.
### 11.3 Replacement for Product Issues
Where a verified Product Issue materially prevents use of the Data Plan, Fizen may provide a replacement eSIM or Data Plan with substantially comparable:
* destination coverage;
* data allowance;
* remaining validity; and
* material technical features.
An eligible replacement for a Product Issue will be provided without an additional replacement fee.
A replacement may differ from the original Data Plan where an identical plan is no longer available, provided that the replacement is reasonably comparable for the intended trip.
## 12. Exchanges, Cancellations and Refunds
### 12.1 General principle
Eligibility for an exchange, replacement or refund depends on:
* whether the request is caused by a change of mind, purchase mistake or Product Issue;
* whether the eSIM has been downloaded, scanned or installed;
* whether the Data Plan has been activated;
* whether any data usage has occurred;
* whether the Activation Deadline remains valid;
* when the request is submitted;
* the reason for the request; and
* whether Fizen was given a reasonable opportunity to resolve an alleged Product Issue.
### 12.2 Change of mind or purchase mistake before Installation
If you change your mind, purchase the wrong destination or Data Plan, or otherwise no longer need the eSIM for a reason unrelated to a Product Issue, you may submit a request within **seven (7) calendar days after purchase**.
A request under this clause is eligible only if all of the following conditions are satisfied:
* the eSIM has not been downloaded, scanned or installed;
* the Data Plan has not been activated;
* no data usage has occurred;
* the Activation Deadline has not expired;
* the Order was purchased directly through the Fizen Platform; and
* the request is submitted within seven (7) calendar days after purchase.
Fizen will first attempt to exchange the unused eSIM or Data Plan for another available plan selected by you.
Any exchange is subject to availability and any price difference disclosed to and accepted by you. You may be required to pay an additional amount where the replacement plan costs more.
If an exchange is unavailable or not reasonably possible, Fizen will refund the eligible purchase price after deducting a processing fee of **USD 1, or its equivalent in the applicable transaction currency, for each refunded eSIM**.
The USD 1 processing fee does not apply where the refund results from:
* Fizen cancelling the Order before delivery;
* failure to deliver the purchased eSIM; or
* a verified Product Issue covered by clause 12.4.
### 12.3 Loss of change-of-mind refund eligibility
Except where required by Applicable Law, you are no longer eligible for a change-of-mind or purchase-mistake refund once any of the following occurs:
* you scan the eSIM QR code;
* you open or use the installation link in a manner that begins delivery or Installation;
* the eSIM profile is downloaded or installed;
* the Data Plan is activated;
* any data usage is recorded;
* the Activation Deadline expires; or
* more than seven (7) calendar days have passed since purchase.
Installation, Activation or data usage means that the eSIM or Data Plan has begun to be supplied or consumed as digital content or a digital service.
Changing your mind after this point, wanting a different Data Plan, changing your destination or no longer requiring the remaining data or validity period does not create an obligation for Fizen to provide an exchange or refund.
For example, if you purchase a 10 GB Data Plan, activate it and use it for five days, you are not entitled to a refund merely because you no longer need the unused data or remaining validity period.
### 12.4 Product Issues after Installation or Activation
Installation, Activation or data usage does not remove your right to seek support for a verified Product Issue.
If an eSIM has been installed or activated and a Product Issue materially affects its operation, Fizen will first:
1. investigate and attempt to correct the issue; and
2. where the issue cannot be corrected, attempt to provide an eligible replacement.
A refund will be considered only where correction or replacement is unavailable, unsuccessful or not reasonably appropriate.
Depending on:
* the cause and severity of the Product Issue;
* the duration of the disruption;
* the amount of data already used;
* the portion of the Data Plan that remained usable;
* whether the issue affected the whole trip or only part of it; and
* any remedy already provided,
Fizen may provide a full refund, partial refund or another reasonable remedy.
A partial refund may reflect the unused or materially affected portion of the Data Plan. It will not be based solely on the number of unused days where the Data Plan remained operational and no Product Issue occurred.
### 12.5 Circumstances that are not normally Product Issues
Except where required by Applicable Law, the following will not normally constitute a Product Issue:
* ordinary variations in local coverage or network speed;
* temporary network congestion;
* lack of coverage at a particular building, indoor location, rural area or transport route;
* use outside the stated coverage area;
* an incompatible or network-locked device where compatibility information was correctly provided;
* incorrect device, APN, roaming or network settings;
* early Activation caused by enabling the eSIM before it was required;
* expiry of the Activation Deadline or validity period;
* exhausted data allowance;
* deletion of the eSIM by the User;
* changing, resetting, losing, repairing or replacing the device;
* restrictions affecting a particular application, website or online service;
* breach of these eSIM Terms or a fair-use policy; or
* a circumstance outside Fizen’s and the Supplier’s reasonable control.
Fizen may nevertheless review the individual circumstances and offer assistance or a discretionary resolution.
### 12.6 Exceptional and edge cases
Some cases may not fall clearly within the standard categories above.
In such cases, Fizen may communicate with you and the relevant Supplier to understand the circumstances and identify a reasonable resolution. That resolution may include troubleshooting, exchange, replacement, partial refund, full refund, Fizen Credits or another mutually agreed solution.
Any discretionary or exceptional resolution:
* is assessed case by case;
* does not require Fizen to provide the same remedy in another case;
* does not create an ongoing entitlement or precedent; and
* does not limit any mandatory right available under Applicable Law.
### 12.7 Refund amount and discounts
A refund will not exceed the amount actually paid for the affected eSIM or Data Plan.
Where a discount, Fizen Credit, promo code or other benefit was applied, the refund will be calculated based on the net amount paid after that benefit.
Fizen may reverse or adjust Credits or Rewards granted in connection with a refunded Order.
### 12.8 Refund method and processing
Approved refunds will normally be issued to the original payment method where technically and legally possible.
Where the original payment method cannot receive a refund, Fizen will inform you of the available alternatives and may request confirmation of an appropriate destination wallet or payment account.
Once Fizen initiates a refund, the time required for it to appear may depend on the payment provider, card issuer, blockchain network or other third party. Fizen does not control third-party settlement times.
Promotional Fizen Credits will not be substituted for a monetary refund without your agreement unless the applicable promotion terms expressly provide otherwise and such substitution is permitted by Applicable Law.
### 12.9 Statutory consumer rights
Some jurisdictions provide mandatory cancellation, withdrawal, conformity or refund rights for digital content or digital services.
Where permitted by Applicable Law, a statutory right of withdrawal may end after you:
* request immediate supply of the eSIM or Data Plan; and
* acknowledge that the applicable withdrawal right will be lost when digital delivery or performance begins.
Where legally required, Fizen will obtain the necessary request or acknowledgement before beginning digital delivery.
Nothing in these eSIM Terms excludes or limits any consumer right that cannot lawfully be excluded or limited.
## 13. 1:1 Trip Guarantee
Where an eSIM is described as covered by the **1:1 Trip Guarantee**, the guarantee applies during the validity period specified for that Data Plan.
If an eligible Product Issue materially prevents use of the Data Plan and remains unresolved after reasonable troubleshooting, Fizen will prioritise a replacement eSIM or Data Plan at no additional cost.
A refund will be considered where an eligible replacement is unavailable, unsuccessful or not reasonably appropriate.
The [Trip Guarantee Policy](https://docs.fizen.io/help-center/fizen-esim/trip-guarantee) applicable when the Order was placed describes:
* eligible Product Issues;
* exclusions;
* the information required to support a claim;
* available replacement and refund remedies; and
* how to contact Fizen Support.
The Trip Guarantee does not promise uninterrupted mobile connectivity or guaranteed access to a particular network, application, website or online service.
You must report an issue during your trip or as soon as reasonably practicable and cooperate with reasonable troubleshooting. Fizen may decline a claim where delayed reporting makes it impracticable to verify or correct the issue.
Nothing in this clause limits any mandatory consumer right.
## 14. Changes or Withdrawal of a Data Plan
A Supplier or network operator may change or withdraw network coverage, roaming arrangements or technical features.
If a material change occurs before Activation and materially reduces the Data Plan purchased, Fizen will offer, where reasonably available:
* a materially equivalent replacement plan;
* the option to cancel for a refund without the USD 1 processing fee; or
* another remedy required by Applicable Law.
Fizen does not guarantee that a particular Supplier, network operator or Data Plan will remain available for future Orders.
## 15. Suspension and Termination
Fizen, a Supplier or a network operator may suspend or terminate an eSIM where reasonably necessary to:
* comply with Applicable Law;
* respond to fraud, abuse or security risks;
* enforce an acceptable-use or fair-use policy;
* protect a network or other users; or
* address a material breach of these eSIM Terms.
Where reasonably possible and legally permitted, Fizen will notify you of the suspension or termination.
A refund is not available where suspension or termination results from your fraud, unlawful use, intentional abuse or material breach, except where required by Applicable Law.
## 16. Privacy and Personal Data
Fizen processes Personal Data in accordance with the Fizen Privacy Policy.
To process an Order, provide the eSIM Service and handle support, replacement or refund requests, Fizen may process and share information including:
* your contact and account information;
* Order and payment information;
* device and technical information;
* destination and Data Plan information;
* eSIM identifiers, including the ICCID;
* Installation and Activation status;
* data usage information; and
* support communications and evidence submitted with a claim.
This information may be shared with Marketplace Suppliers, network operators, payment providers and other service providers where necessary to fulfil the Order, provide support, prevent fraud or comply with Applicable Law.
Those third parties may process Personal Data under their own privacy notices and Applicable Law.
## 17. Disclaimers and Liability
Mobile connectivity depends on third-party networks and cannot be guaranteed to be uninterrupted, error-free or available in every location.
Except for the express commitments contained in these eSIM Terms, the Product Details and the applicable Trip Guarantee Policy, the disclaimers in the Fizen Master Terms of Use apply to the eSIM Service.
The limitation of liability, indemnification, force-majeure provisions and claim time limits in the Master Terms also apply.
Nothing in these eSIM Terms excludes or limits liability or consumer rights that cannot lawfully be excluded or limited.
## 18. Changes to These eSIM Terms
Fizen may update these eSIM Terms in accordance with the update provisions of the Master Terms.
An update will not retroactively reduce the contractual rights attached to an existing Order, except where required by Applicable Law or reasonably necessary to address a security issue or change outside Fizen’s reasonable control.
The version of these eSIM Terms accepted when you place an Order applies to that Order.
## 19. Governing Law and Disputes
The governing-law and dispute-resolution provisions of the Fizen Master Terms of Use apply to disputes arising from or relating to the eSIM Service.
This includes the informal-resolution process, SIAC arbitration provisions and applicable consumer-law exceptions described in the Master Terms.
## 20. Contact and Support
For installation assistance, connectivity issues, exchange, replacement or refund requests, contact Fizen through the support channel identified in the [Fizen eSIM Help Center](https://docs.fizen.io/help-center/fizen-esim/fizen-esim).
You may be asked to provide:
* your Order ID;
* the eSIM ICCID;
* your device model;
* relevant settings;
* screenshots;
* data usage information; and
* other information reasonably necessary to investigate the request.
Legal notices may be sent to [**legal@fizen.io**](mailto:legal@fizen.io).
Fizen will never ask you to provide your Wallet seed phrase or Private Key.