Legal Entity, Terms & Privacy

1. Legal Entity & Founder-Led Status

OwnPay is a founder-led financial technology platform and open-source software project founded in Bangladesh.

As OwnPay scales its international merchant cohort and expands production transaction volume, formal corporate incorporation will be completed under appropriate regulatory frameworks, with verified public filings published transparently.

2. Non-Custodial Software Disclosure

OwnPay provides non-custodial software infrastructure on the Base Layer-2 blockchain. It is critical to understand the boundaries of our technology:

• No Asset Custody: OwnPay never takes possession, custody, or control of user or merchant funds, fiat currencies, or crypto assets.
• Direct Peer-to-Peer Settlement: All USDC payments, hosted checkouts, and AI agent micropayments settle directly on Base L2 between the payer’s wallet and the merchant’s self-custodied wallet vault.
• Zero Private Key Access: OwnPay never creates, stores, or transmits merchant private keys or recovery seed phrases. Merchants maintain 100% cryptographic sovereignty over their accounts.
• Not a Bank or Depository Institution: OwnPay is a software routing and verification engine, not a licensed bank, money transmitter, or financial depository.

3. Terms of Service

By accessing or integrating OwnPay’s APIs, merchant dashboard, POS tools, or smart contracts, you agree to these Terms of Service:

• Acceptable Use: You agree not to use OwnPay for sanctions evasion, terrorism financing, fraudulent schemes, unauthorized exploitation of smart contracts, or unlawful commerce.
• Network Fees & Gas: Users and merchants acknowledge that blockchain transactions require Base L2 gas. While gas costs are typically sub-cent ($0.0008), network conditions may fluctuate outside OwnPay’s control.
• Autonomous Agent Controls: Developers deploying AI agents via OwnPay session keys are solely responsible for configuring spending limits, velocity ceilings, and recipient contract whitelists.
• API Availability: We provide our developer APIs on an "as-is" and "as-available" basis, maintaining industry-standard uptime without warranties against underlying blockchain re-orgs or node provider outages.

4. Privacy Policy & Data Minimization

We adhere strictly to the principle of data minimization:

• Zero Financial Surveillance: We do not sell user data, transaction analytics, or behavioral telemetry to advertising brokers.
• On-Chain Transparency: Public blockchain transactions on Base are immutable and publicly auditable by design. Users should understand that on-chain wallet addresses and transactions are public records on Base.
• Merchant Account Data: Email addresses and API key metadata collected for dashboard access are stored securely using Supabase with Row Level Security (RLS) and never shared with third parties.
• Cookies & Trackers: The OwnPay landing page does not deploy third-party advertising tracking pixels or invasive cross-site trackers.

5. Official Communications Directory

For inquiries, legal notices, vulnerability disclosures, or enterprise onboarding, please use our verified official role-based channels: