Solana dApp License Agreement

1. Grant of License

We grant you a revocable, non-exclusive, non-transferable, limited license to use the dApp solely for your personal or internal business purposes on any compatible device that you own or control. The license is conditioned on your continued compliance with this Agreement. We retain all rights not expressly granted.

2. Restrictions on Use

You agree not to:

• (a) copy, modify, distribute, sell, or lease any part of the dApp;
• (b) reverse engineer, decompile, or attempt to extract the source code of the dApp except as permitted by law;
• (c) use the dApp to break any laws or infringe the rights of third parties; or
• (d) circumvent or interfere with security features or access control mechanisms.

You must not use the dApp in a way that could damage, disable, overburden, or impair our services.

3. Fees and Charges

Platform Fee: Dinario charges a 2% service fee on all remittance transactions. This fee is calculated as a percentage of the transaction amount and is disclosed prior to transaction confirmation.

Additional Fees: Users are also responsible for:

• Solana network transaction fees (typically $0.00001 - $0.001 per transaction)
• Payment rail fees (ACH, wire, SEPA, SWIFT) as applicable
• Currency exchange fees for non-USD currencies (typically 0.1% - 0.5%)
• Local payout fees charged by destination banks or payment providers

Fee Transparency: All fees are displayed in the app before you confirm any transaction. The total amount, including all fees, will be shown for your approval before any funds are transferred.

Third-Party Fees: Fiat on/off-ramp services are provided by Bridge.xyz, which may charge additional fees in accordance with their own fee schedule. Users will be notified of all applicable fees during the transaction flow.

Transfer Times: Blockchain transactions are typically confirmed within seconds. However, fiat bank payouts vary by payment method: instant for real-time payments, same day for wire transfers, and 1-2 business days for standard transfers.

4. KYC/AML Compliance and Regulatory Framework

4.1 Regulatory Compliance

Dinario and its partners operate in full compliance with applicable U.S. federal and state regulations governing money transmission, anti-money laundering (AML), and Know Your Customer (KYC) requirements. This includes but is not limited to:

• Bank Secrecy Act (BSA): Federal anti-money laundering law requiring financial institutions to assist government agencies in detecting and preventing money laundering
• USA PATRIOT Act: Enhanced due diligence and customer identification requirements
• FinCEN Regulations: Financial Crimes Enforcement Network guidance on virtual currency and money services businesses
• OFAC Compliance: Office of Foreign Assets Control sanctions screening for prohibited jurisdictions and individuals
• State Money Transmitter Laws: Compliance with individual state licensing and regulatory requirements

4.2 Bridge.xyz - Licensed Money Transmitter

All fiat on-ramp and off-ramp services are provided by Bridge.xyz (Bridge Building Inc.), a licensed and regulated money services business. Bridge.xyz holds:

• Money Transmitter Licenses: Licensed in multiple U.S. states where required by law
• FinCEN Registration: Registered as a Money Services Business (MSB) with the Financial Crimes Enforcement Network
• State Regulatory Compliance: Maintains licenses and regulatory compliance in applicable jurisdictions
• Bank Partnerships: Operates through partnerships with FDIC-insured financial institutions and regulated payment processors

Important: Dinario is NOT a money transmitter or money services business. Dinario is a self-custody cryptocurrency wallet application. All regulated financial services (fiat conversion, bank transfers, KYC/AML) are performed exclusively by Bridge.xyz and its licensed partners.

4.3 Know Your Customer (KYC) Requirements

When you use fiat remittance services, you will be required to complete identity verification through Bridge.xyz. This process includes:

• Personal Information: Full legal name, date of birth, residential address, Social Security Number (for U.S. residents) or equivalent identification
• Identity Documents: Government-issued photo ID (passport, driver's license, national ID card)
• Selfie Verification: Live photo capture for identity matching
• Enhanced Due Diligence: Additional documentation may be required for high-value transactions or based on risk assessment

KYC verification is required before you can send or receive fiat currency through Dinario. Cryptocurrency-only operations (sending/receiving USDC or SOL to other wallets) do not require KYC.

4.4 Anti-Money Laundering (AML) Measures

Bridge.xyz maintains a comprehensive AML compliance program that includes:

• Transaction Monitoring: Real-time monitoring of transaction patterns for suspicious activity
• Sanctions Screening: Automated screening against OFAC, UN, EU, and other sanctions lists
• Suspicious Activity Reporting (SAR): Filing of SARs with FinCEN when required by law
• Currency Transaction Reporting (CTR): Reporting of transactions exceeding $10,000 as required by federal law
• Risk-Based Approach: Transactions are assessed based on amount, frequency, geography, and user profile

4.5 Prohibited Activities and Jurisdictions

You may NOT use Dinario for:

• Money laundering or terrorist financing
• Transactions involving sanctioned countries, entities, or individuals
• Purchase or sale of illegal goods or services
• Fraudulent or deceptive activities
• Circumvention of currency controls or capital flight

Restricted Jurisdictions: Services are not available to residents or persons located in: Cuba, Iran, North Korea, Syria, Crimea, or other OFAC-sanctioned regions. Additional restrictions may apply based on state or local regulations.

4.6 Account Suspension and Termination

Bridge.xyz and Dinario reserve the right to suspend or terminate your access to fiat services if:

• You fail to complete KYC verification
• Your account is flagged for suspicious activity
• You violate AML/sanctions regulations
• Required by law or regulatory authority
• You provide false or misleading information

Your cryptocurrency wallet and funds remain accessible even if fiat services are suspended, as Dinario is a self-custody application.

4.7 Record Retention

KYC/AML records are retained by Bridge.xyz for a minimum of 5 years after account closure, as required by the Bank Secrecy Act and FinCEN regulations. Transaction records may be retained longer for compliance purposes.

5. Related Agreements and Policies

Your use of the dApp may be subject to additional agreements, including our Terms of Service and Privacy Policy. By agreeing to this License, you also agree to comply with those related agreements. Please review them carefully.

When using fiat services, you are also subject to Bridge.xyz's Terms of Service and Privacy Policy.

6. Intellectual Property and Ownership

The dApp (including all code, documentation, and associated content) is owned by DINARIO TECHNOLOGIES INC or its licensors and is protected by copyright and other intellectual property laws. You acknowledge that your license does not give you any ownership rights in the dApp and that any unauthorized use or distribution may constitute copyright infringement.

7. Term and Termination

This Agreement will remain in effect until terminated. We may terminate or suspend your license and access to the dApp at our sole discretion, at any time, and without notice, if you fail to comply with this Agreement or for any other reason. Upon termination, you must cease all use of the dApp and uninstall all copies from your devices.

8. Warranty Disclaimer

The dApp is provided "AS IS" without warranty of any kind. To the maximum extent permitted by law, we expressly disclaim all warranties, whether express, implied, statutory, or otherwise, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall we be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the dApp, even if we have been advised of the possibility of such damages. Our total liability to you for all claims arising out of or relating to this Agreement shall be limited to the amount you paid (if any) for the dApp.

10. Indemnification

You agree to indemnify, defend, and hold harmless DINARIO TECHNOLOGIES INC and its affiliates, directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the dApp, your violation of this Agreement, or your infringement of any intellectual property or other right of any person or entity.

11. Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, United States.

You agree that any disputes arising under this Agreement will be resolved through:

• Binding arbitration conducted in Miami, Florida, under the rules of the American Arbitration Association (AAA); or
• If arbitration is not required by law, through the courts of Florida (state or federal, as applicable).

Each party waives the right to a jury trial and agrees to resolve disputes individually (no class actions).

12. Changes to This Agreement

We reserve the right to modify this Agreement at any time. When we do, we will update the "Effective Date" at the top of the Agreement. Your continued use of the dApp after any changes become effective constitutes your acceptance of the updated terms.

13. Contact Information

If you have any questions about this Agreement, please contact us at: