Terms of Use

Last updated: October 2, 2026

These Terms govern the use of Nodo (the “Platform”), operated by Nodo AI, Inc. (“Nodo”, “we”). By creating an account, accessing, or using the Platform — on the web, iPhone, iPad, or the desktop app — you accept these Terms. If you do not agree, do not use the service.

Wallet, P2P escrow, merchant crypto, cash-out, and Protecta are set out below and, where relevant, in Wallet and custody. Identity checks are in AML, KYC, and verification. Those pages are part of these Terms. To decide whether a use fits, without inventing what is not written, see when Nodo fits.

1. What Nodo is

Nodo is a shop’s page and, if the buyer asks, custody of that order’s payment.

The shop publishes products with a photo and a price. The order can go out on WhatsApp without Nodo touching the money. That path has no monthly fee and no commission. Where these Terms say “shop”, they mean that business.

Nodo may also build a page designed for that shop. That design is agreed separately, case by case, and it does not change who sells.

The Platform also includes, today:

A shop page, with a catalog and a cart. The order can go out on WhatsApp without Nodo touching the money.
A page designed for that shop, when it is agreed.
Protecta: optional custody of an order’s payment. The buyer pays Nodo, Nodo holds the money, and Nodo pays the shop when the rules say so, or refunds it. The shop remains the seller.
A wallet for USDC on Base (receive, send, activity).
A peer-to-peer module to buy and sell USDC against local-currency bank or remittance rails, using a per-trade on-chain escrow.
A cash-out request from the wallet, where Nodo is the fiat counterparty. Automated payout is still being finalized.

Nodo is not the tax authority and not your bank. Nodo is not a party to the sale between the shop and its customer except where a flow says otherwise: custody, release, or refund of a Protecta order; P2P arbitration after a dispute; the protocol fee on a successful P2P release; and a merchant cash-out that Nodo actually completes. On Protecta, Nodo holds the money. It does not sell the goods or perform the service.

2. Accounts and roles

You need an account to use the Platform. You may sign in with the methods we offer at the time (for example Apple or Google).

There are at least two roles:

Owner. Opens the shop, publishes the products, and sets the WhatsApp number where the order arrives. If there is an account plan, the owner pays it.
Staff. If the owner invites someone, they join on the business account. Staff do not pay the plan. If the business plan is closed — trial over, unpaid — that person is locked out too.

You are responsible for what happens on your account. Keep credentials private and tell us if someone gets in without you.

The owner warrants they have the right to load staff and operations data, and that the data is accurate.

P2P also requires an @alias and a linked wallet. That is not government-ID KYC; see AML, KYC, and verification.

3. The shop

When you open a shop you give us a name, a country, a tax id when it applies, the WhatsApp number where orders arrive, and the products you publish.

What you publish or accept on an order counts as your action. Check it before you treat a price, a product, or a Protecta order as final.

The Platform runs on the web, on iPad (the floor), on iPhone (the owner checking in), and on desktop (Mac and Windows). Not every feature is on every device.

4. Trial, plan, and payments

Registering the shop is free. The page and the WhatsApp order have no monthly fee. If an account plan includes a trial, it is counted from the day the business exists in Nodo. When the trial ends, the owner activates the plan to continue.

Price and period are whatever is published when you pay. The plan renews until you cancel. Only the owner pays; the team comes with the business.

Plan charges run on the web, through a payment processor (today, Stripe). Nodo does not store your full card number. The iOS app does not charge the plan inside the app: renewal happens on the web.

Canceling closes what that plan opens when the paid period ends. The page and the WhatsApp order do not depend on that plan. Business data is not deleted merely because you stop paying; to delete the account or the business, use the product flows or write to us.

Custom work is quoted and contracted separately. These Terms cover the standard product.

The subscription is separate from wallet USDC, P2P trades, and merchant cash-out. Paying the plan does not mean Nodo holds your crypto.

5. Fiscal invoicing

In the Dominican Republic, Nodo can help issue electronic fiscal receipts (e-CF). That depends on the business being certified or connected to an authorized provider.

Two paths, when available:

Connect credentials from a provider you already use.
Start a new certification through a provider associated with Nodo.

Nodo does not guarantee DGII approval and does not replace your duty to invoice under the law. The owner is responsible for their tax id, the accuracy of receipts, and their relationship with the tax authority and the invoicing provider.

A USDC payment does not, by itself, issue an e-CF. Fiscal rules stay yours.

6. Wallet and custody

The wallet is described in Wallet and custody. In short:

Signing in can create a Privy smart wallet on Base, or you may connect an external wallet. Nodo does not hold your keys and does not keep a pooled crypto balance for you.
You sign your own on-chain actions. Nodo indexes activity and verifies transactions it is asked to confirm.
Supported flow: USDC on Base. Other assets or networks are unsupported.
Nodo does not offer seed-phrase export. Keys live with your login provider (Privy) or with the external wallet you connected.

You are responsible for addresses you send to and for any recovery rules of Privy or your external wallet.

7. Peer-to-peer crypto trading

The P2P module is live. It is non-custodial for the USDC: each trade deploys a dedicated on-chain escrow on Base. The seller locks the full amount into that contract. Nodo does not hold the pot in a company wallet.

The escrow is role-based (seller, buyer, designated arbiter). It is not a multisig. Fiat payment is off-chain between the parties. Nodo does not operate those bank rails. On-chain, the buyer attests they paid; the seller releases, cancels (before paid), or either party disputes. After a dispute, a Nodo arbiter may resolve on-chain. Until then the USDC stays in that trade’s contract.

A successful release to the buyer takes a 0.5% protocol fee on-chain. Refunds to the seller take no fee. There is no silent auto-release after the deadline; the buyer may force a dispute and the arbiter still decides.

You agree that:

You only trade for lawful purposes and with funds you are allowed to use.
You will not use P2P to evade taxes, launder value, or defraud a counterparty.
Chat messages and payment proofs you upload may be reviewed if a dispute is opened.
Nodo is not a party to the fiat transfer. If the other side does not pay, your remedy is the escrow rules and, if opened, arbitration — not a Nodo bank guarantee.

Creating or taking a trade needs an account, an @alias, and a wallet. Document KYC is not required in the current product; see AML, KYC, and verification.

8. The shop and USDC

A shop order goes out on WhatsApp, or through Protecta if the buyer asks. Neither one is a USDC charge at a register.

USDC sits in the wallet of the person who signs in and, on a P2P trade, in that trade’s escrow. Nodo does not hold those coins.

9. Merchant cash-out

This is a different flow from a personal-wallet send and from P2P.

On the business wallet the owner may request a DOP payout to a Dominican bank account. In the current product, Nodo is the counterparty that would credit DOP. There is no third-party off-ramp partner wired in.

What is live: the request form. What is still being finalized: automated payout, status, and settlement time. Submitting a request is not a promise that funds move the same day, or at all. We may ask for more business information, delay, or refuse.

Marketplace verification is a separate application and is not an automatic gate on the form today. A “Verified” badge is not a right to be paid.

Personal wallets do not have this bank cash-out path.

10. Shop, WhatsApp, and Protecta

The shop publishes its products. The buyer builds an order. There are two paths, and they do not mix:

WhatsApp. The order goes to the shop’s number. Payment happens outside Nodo, between buyer and shop. Nodo does not hold that money, is not a party to the payment, and is not liable for it.
Protecta. If the buyer asks for Protecta and the shop accepts, the payment comes into Nodo’s custody. What follows applies only to that order.

What it is. Protecta is a fiat custody service. The buyer pays Nodo the order price plus the buyer’s fee, by whatever method the Platform shows at the time. Nodo holds those funds until it releases them to the shop or refunds them to the buyer. They are not a demand deposit in the buyer’s or the shop’s name, they are not segregated as that person’s bank account, and they earn no interest. Nodo is not the seller, the maker, or the party that delivers. The shop is the seller. Nodo holds the money and pays it out or returns it under this section.

Fees. They are shown before the order is accepted and they freeze on that order. As of the date of these Terms, the buyer pays 3% of the price, with a minimum of 5 USD or the equivalent in the order’s currency, and the shop pays 5% of its payout, with the same minimum. Nodo absorbs the cost of the payment method; it is not a separate charge to either party. Nodo may change the fees for future orders. A change does not rewrite an order whose fee is already fixed.

How an order runs.

The shop accepts or it does not. Before Nodo confirms custody, buyer or shop may cancel in the states the product allows.
The buyer pays. Nodo checks that the money arrived or that the charge is reserved. Until that confirmation, the order is not protected.
Once custody is confirmed, the shop delivers. Marking delivery is the shop’s statement. By itself it does not prove the buyer received the order.
The buyer confirms receipt. That confirmation is the instruction to pay the shop. Nodo pays the shop the price minus the shop’s fee.
Buyer or shop may open a dispute while the money is in custody or delivery is marked. Nodo reviews the order thread — messages, proofs, and whatever each side uploaded — and decides. The decision allocates those funds: payout to the shop, or refund to the buyer. Between the parties, and only as to that money, the decision is final, without prejudice to mandatory law.
Nodo may refuse to open custody, decline to confirm a payment, hold the funds, refund them, or decline to pay the shop if the order appears unlawful, prohibited, or fraudulent, if the payment cannot be verified, or if more information is needed. Asking for Protecta does not oblige Nodo to take custody.

Representations. Buyer and shop represent that the order is lawful, that they have the right to enter it, that the funds are of lawful origin, and that the subject matter is not covered by section 11. The shop is responsible for the description, the price, the lawfulness, the delivery, and the quality of what is sold. The buyer is responsible for reviewing the order before confirming receipt.

Crypto as what is sold. These Terms do not prohibit the goods from being crypto: a crypto-asset, a token, a stablecoin, or a right in them. Protecta still holds the payment in fiat. It does not deliver the coins, and it does not replace the wallet or the on-chain escrow. If the law requires a license for that sale, the shop holds it.

11. Prohibited goods, services, and activities

This list is illustrative. It is not closed by the examples. It governs the whole Platform and, all the more, any order whose payment runs through Protecta or through money Nodo receives.

You may not offer, request, advertise, intermediate, or pay for:

Any good, service, or conduct that is unlawful under the law of the buyer, of the shop, of the Dominican Republic, or of the United States, or that Nodo must block under a sanctions rule.
Firearms, ammunition, explosives, bladed weapons, parts, accessories, plans, or substances whose principal purpose is to make or use a weapon, and any material offered to harm people.
Narcotics, controlled substances, precursors, and paraphernalia meant for using or making them.
Stolen, illicitly sourced, or counterfeit goods, and any content that infringes someone else’s rights.
Sexual material or conduct involving minors, and any form of exploitation, human trafficking, or trade in people or organs.
Financial services, currency exchange, money transmission, or the taking of savings or investment, without the license the law requires. A shop may not use Protecta as a pipe for money that is not the price of a lawful, deliverable good or service. Selling crypto as what the order delivers is not prohibited by this line.
Fraud, impersonation, pyramid or promised-return schemes, tax evasion, money laundering, or sanctions evasion.
Goods or services that require a license, health permit, tax permit, or professional authorization the shop does not hold. Holding that license is the shop’s burden. Publishing on Nodo does not prove it.
Any other good, service, or activity that, in Nodo’s reasonable judgment, exposes the Platform, its users, or its payment providers to legal, fraud, or sanctions risk.

A breach lets Nodo remove the content, refuse or cancel the order, withhold payment to the shop, refund the buyer what is in custody, suspend or close the account, and, where it applies, tell the authorities. Nodo does not have to give notice first if notice would compromise an investigation or the security of the service.

12. Verification and acceptable financial use

Use of the shop, the wallet, P2P, cash-out, and Protecta is use of the Platform. Sections 11 and 13 apply.

We may introduce extra identity or business checks, limits, or pauses. Until a check is actually required in the product, it is not a condition of these Terms that we have already performed it. The honest inventory is AML, KYC, and verification.

13. Acceptable use

Use the Platform in line with the law and these Terms.

You may not, among other things:

Use it for fraud, tax evasion, money laundering, sanctions evasion, or any unlawful activity.
Load other people’s data without a basis to do so.
Interfere with the system, enter someone else’s account, or pull data that is not yours.
Resell access or run a business that is not yours, other than staff invited by the owner.
Copy, decompile, or exploit the Platform beyond ordinary use.
Manipulate P2P ads, fake a fiat payment, abuse dispute, or reuse an old on-chain payment to spoof a charge.
Offer or request what section 11 prohibits, mark a delivery that did not happen, confirm a false receipt, or use a Protecta dispute to hold back or force a payment.

We may suspend or close access if you breach, if payment fails, or if there is a clear risk to the service or to others — including pausing new P2P escrows, refusing a cash-out, or refusing to take an order into custody.

14. Business content and data

The products, the prices, and the page are yours. You give us a limited license to host and process them only to run the service for you.

P2P ads, order records, payout instructions, trade chat, and the thread of a Protecta order are also hosted to run those modules and to handle disputes.

You warrant you have the rights to that content and that it does not infringe others. We may remove or block material that breaks the law or these Terms.

15. Printers and the local network

If you connect a printer over Bluetooth or the floor’s network, Nodo uses the device name and address to print tickets. That connection stays on your network. We do not use the printer for anything else.

16. What is coming

Some capabilities are planned or only partly live, including: automated cash-out settlement; document KYC / sanctions screening; and transfers to another Nodo user by @alias.

The shop page, Protecta, the wallet, P2P escrow, and the cash-out request are not “coming soon” — they are in the product as described in these Terms and, for the wallet, in Wallet and custody.

“Coming soon” is not a date and not a promise that a feature ships unchanged. You are buying the service that is live on the day you use it.

17. Intellectual property

The software, design, marks, the escrow contracts, and the documentation belong to Nodo or its licensors. Using the Platform does not give you those rights. Your menu, your brand, and your floor data stay yours. USDC you hold in your wallet stays yours, subject to the escrow when you lock a trade.

18. Availability and disclaimer

The Platform is provided “as is” and as available. We do not warrant unbroken uptime, that a ticket will leave the printer, that a chain will include a transaction when you expect, that a counterparty will send fiat, or that a third party (payments, fiscal, Privy, the floor’s network, a bank) will perform.

You decide charges, prices, and stock. Nodo is not liable for a bad charge, a wrong stock draw, or a bad receipt when the source is your data or instruction, or a third-party failure.

On-chain results follow the contract and the network. An arbiter decision on a disputed escrow, and Nodo’s decision on a disputed Protecta order, are final as between the parties for that money, without prejudice to mandatory law. Nodo does not warrant the quality, lawfulness, or delivery of what the shop sells.

19. Limitation of liability

To the extent the law allows, Nodo is not liable for lost profits, lost data, downtime, lost crypto or fiat sent to a wrong address or a dishonest counterparty, or indirect damages.

If there is liability, the cap is what the owner paid Nodo for the plan in the twelve months before the claim. On a claim tied to a Protecta order, the cap is the greater of that amount and the fees Nodo charged on that order. Protocol fees on a single P2P release are not a separate pot of damages.

That cap does not cover money Nodo holds in custody on an open Protecta order. Those funds are paid to the shop or refunded to the buyer according to the outcome of the order. Beyond that custody, Nodo is not liable for the quality, the description, or the delivery of what was sold: that sits with the shop.

20. Changes

We may update these Terms. The current version is published on docs.nodoia.app, with a date. Keeping using the Platform after a reasonable change means you accept it. If the change is material, we will try to tell you in the product or by email.

21. Termination

You may stop using Nodo at any time. The owner may delete the business or the account in the product, when that flow exists, or by writing to info@nodoia.app.

We may suspend or end access for breach, non-payment, or serious operational reasons. After closure, we handle data under the Privacy Policy.

Closing the account does not by itself move USDC out of your wallet or out of an open escrow, and it does not release a Protecta order that is still in custody. Finish or dispute open trades, and finish or dispute open Protecta orders, before you leave.

22. Law and contact

These Terms are governed by the laws of the Dominican Republic. Disputes go to the competent courts of that jurisdiction, without prejudice to any mandatory rights you have.

The Platform is operated by Nodo AI, Inc.

Legal address: 131 Continental Dr, Suite 305, Newark, DE 19713, United States
Branch (correspondence): 2261 Market Street, San Francisco, CA 94114, United States
EIN: 37-2193232
Email: info@nodoia.app