USER AGREEMENT (PUBLIC OFFER)
Cashers P2P / OTC Platform
Revision dated November 14, 2025
This User Agreement (hereinafter referred to as the “Agreement”) constitutes an electronic contract between the User and the Cashers P2P / OTC platform, available at: https://cashers.example/
(hereinafter referred to as the “Platform”, the “Service”, or “Cashers”).
The Cashers Platform provides Users with technical and informational infrastructure for finding counterparties and conducting over-the-counter (OTC) and P2P asset exchange transactions between Users. The Platform is not a bank, credit institution, or payment agent, and provides services solely for organizing and supporting exchange transactions.
By using the Platform, the User confirms that they have carefully read and unconditionally agreed to all terms of this Agreement. If the User does not agree with the terms of this Agreement, they must immediately cease using the Platform.
1. Terms and definitions
1.1. Cashers Platform / Service — a technological P2P / OTC platform providing Users with services including:
placement of asset exchange requests;
searching for and matching Users’ requests;
display of transaction terms and exchange rates;
transfer of payment details;
transaction support (statuses, notifications, instructions);
implementation of KYC/AML procedures;
dispute resolution and arbitration;
consultation and customer support services.
1.2. User — a legally capable individual who has reached the age of 18, uses the Platform, and has accepted the terms of this Agreement.
1.3. Counterparty — another Platform User with whom the User enters into a P2P / OTC transaction.
1.4. P2P / OTC transaction — an agreement between Users to exchange assets under agreed terms using the Platform’s infrastructure.
1.5. Assets — fiat funds, electronic money, cryptocurrencies, and other digital assets involved in the exchange.
1.6. Payment systеm — a third-party service, bank, or blockchain network through which asset transfers are carried out.
1.7. Request — a User’s intention to exchange assets submitted through the Cashers Platform.
1.8. Exchange rate — the ratio of exchanged assets displayed in the Platform interface at the moment the Request is created.
1.9. KYC — a User identification procedure.
1.10. AML check — verification of the origin of assets and the level of transaction risk.
2. Subject of the Agreement and entry into force
2.1. The subject of this Agreement is the provision by the Cashers Platform of service-related functions for organizing and supporting P2P / OTC transactions.
2.2. The Platform provides exclusively technical and informational infrastructure and does not guarantee the fulfillment of obligations by counterparties.
2.3. The Agreement is deemed accepted by the User upon:
registration on the Platform;
creation of a Request;
actual use of the Platform’s functionality.
2.4. The Agreement is valid indefinitely until the User ceases using the Platform.
3. Service fees and commissions
3.1. Cashers charges a commission for providing the Platform’s service functions.
3.2. The amount and procedure for charging commissions are specified in the Platform interface and/or at the time of creating a Request.
3.3. The commission may be included in the exchange rate or displayed separately.
3.4. Requests already created are governed by the terms in effect at the time of their creation.
4. Procedure for creating and executing Requests
4.1. Creating a Request signifies the User’s consent to the terms of this Agreement and the exchange parameters.
4.2. The User is responsible for independently verifying the accuracy of all data, including payment details and amounts.
4.3. After a Request is created, the User is given a limited time to complete payment. Unless otherwise specified:
an unpaid Request may be automatically cancelled after 60 minutes.
4.3.1. The payment deadline for a Request is specified in the Platform interface upon creation and generally ranges from 30 to 60 minutes from the time of submission, unless otherwise stated for a specific exchange direction.
4.3.2. If the Request is not paid within the установленный timeframe, the Platform has the right to automatically cancel the Request, in which case the exchange conditions and rate become invalid.
4.4. Assets sent after the cancellation of a Request may be returned with deductions for commissions and incurred expenses.
4.5. Funds are considered received by the Platform or exchange office:
— for cryptocurrencies — after the transaction is broadcast to the blockchain network and receives the required number of confirmations;
— for fiat funds — after the actual crediting of funds to the payment details specified for the Request.
For cash exchange operations, the exchange city is specified when creating the Request and confirmed by a Platform manager. The date and time of the meeting are agreed individually and specified with consideration of the local time zone.
5. Exchange rate fixation and recalculations
5.1. The exchange rate is fixed at the moment the Request is confirmed or at the moment assets are received, depending on the type of exchange.
5.2. In the event of a significant change in the market rate, the Platform has the right to propose recalculation of the transaction terms.
5.3. The User assumes the risk of exchange rate changes in the event of delayed payment.
5.4. For cryptocurrency transactions, the exchange rate is fixed after at least 5 blockchain confirmations are received, unless a different number of confirmations is specified for a particular exchange direction.
5.5. In cases of payment deadline violations, receipt of funds after the established time, or delays in transaction confirmations, the exchange rate may be recalculated based on the current market rate at the time the funds are actually received.
5.6. The exchange rate is formed based on market data from the cryptocurrency exchange https://rapira.net
, taking into account the Platform’s commission.
6. Refunds and cancellation of transactions
6.1. Asset refunds are possible in cases where it is impossible to complete a transaction.
6.2. Refunds are made with deductions for payment systеm fees, network fees, and service expenses.
6.3. The refund period may take up to 48 hours or longer, depending on the payment systеm.
The User may receive consultations regarding the status of a paid Request via the online chat on the Platform website or other contact channels listed on the Cashers website.
7. AML / KYC and compliance checks
7.1. Cashers has the right to conduct KYC and AML procedures at any time.
7.2. If increased transaction risk is identified, operations may be suspended.
7.3. The User is obligated to provide requested documents and information.
7.4. In case of refusal to undergo verification, the Platform has the right to refuse service.
7.5. The Platform does not accept funds associated with casino activities, betting services, illegal exchanges, darknet platforms, or other sources with a high AML risk level.
7.6. Cryptocurrency payouts are made exclusively from verified cryptocurrency addresses that have passed internal AML/KYT checks.
8. Limitation of liability
8.1. The Platform provides services “as is”.
8.2. Cashers is not responsible for the actions of counterparties, banks, payment systems, or blockchain networks.
8.3. The Platform’s liability is limited to the amount of the commission actually paid.
9. Force majeure
9.1. The Parties are released from liability for failure to perform obligations due to force majeure circumstances.
9.2. Performance deadlines are extended for the duration of such force majeure circumstances.
10. Dispute resolution and final provisions
10.1. Disputes are resolved through negotiations and the Platform’s internal arbitration.
10.2. Claims must be submitted via the contact details specified on the Cashers website.
10.3. Cashers has the right to amend this Agreement unilaterally.
10.4. Continued use of the Platform constitutes the User’s acceptance of the updated version of the Agreement.