Terms of Use

1. (a)Be at least 18 years of age or the age of majority in your jurisdiction;
2. (b)Be a resident of the United States;
3. (c)Provide accurate, current, and complete registration information;
4. (d)Not have been previously suspended or removed from the Service;
5. (e)Not be located in, or a resident of, any country subject to U.S. sanctions.

Federal and state regulations require us to verify your identity before you can use the Service. You agree to provide such identification documents and information as we may reasonably request, including but not limited to government-issued photo identification, proof of address, and Social Security number.

We offer tiered verification levels that correspond to transaction limits:

• Basic Verification: Transfers up to $2,999 per transaction
• Full Verification: Transfers up to $10,000+ per transaction

We reserve the right to request additional verification at any time to comply with applicable laws and regulations.

You are responsible for maintaining the confidentiality of your account credentials. You must notify us immediately at support@stratumremit.com if you become aware of any unauthorized access to or use of your account. You are responsible for all activity that occurs under your account.

To initiate transfers, you must first fund your Stratum Remit Wallet with USDC or USDT. Stablecoins may be sent to your Wallet from an external exchange or wallet (such as Coinbase, Kraken, or Gemini) via supported blockchain networks:

• Stellar (recommended — lowest fees, approximately $0.01)
• Polygon (approximately $0.10 per transaction)
• TRON (approximately $1 per transaction)
• Ethereum (approximately $1–$10 per transaction)

Blockchain network fees are charged by the respective networks, not by Stratum Remit. You are responsible for all network fees incurred when funding your Wallet.

Important: When sending funds via the Stellar network, you must include the memo provided in the App. Failure to include the correct memo may result in the loss of funds, and Stratum Remit cannot guarantee recovery of funds sent without the correct memo.

1. (a)Using the Kora AI Assistant via text or voice commands (e.g., “Send $200 to Mom”);
2. (b)Using the manual transfer interface within the App.

When you initiate a transfer, you will be shown the exchange rate, any applicable fees, the amount the Recipient will receive in local currency, and the estimated delivery time. You must confirm the transfer before it is processed.

Stratum Remit applies a margin to the mid-market exchange rate. This margin is typically 1–2% and is the primary way Stratum Remit earns revenue. The exact exchange rate for your transfer will be displayed before you confirm the transaction. Once you confirm, the quoted rate is locked for 30 minutes to allow you to complete the transfer.

Stratum Remit charges zero transfer fees. There are no sending fees, receiving fees, service charges, or processing fees. The exchange rate margin described in Section 5.3 is the only cost applied by Stratum Remit.

Stablecoin purchase fees charged by third-party exchanges (typically 0.5–1.5%) and blockchain network fees are not charged by Stratum Remit and are outside our control.

Most transfers are delivered within minutes. Some corridors may take up to 15 minutes depending on the destination country, Recipient's financial institution, and local payment infrastructure. You will receive real-time tracking updates within the App, and the Recipient will be notified upon delivery.

Stratum Remit may impose additional daily, weekly, or monthly limits to comply with applicable laws and regulations. Current limits are displayed in the App.

The Kora AI Assistant is an artificial intelligence feature that enables you to initiate and manage transfers using natural language text or voice commands. Kora can also:

• Provide exchange rate information and alerts
• Send reminders (including birthday reminders for Recipients)
• Recognize transfer patterns and provide personalized recommendations
• Answer questions about the Service

1. (a)The AI Assistant processes natural language commands to the best of its ability, but may occasionally misinterpret instructions. You are responsible for reviewing and confirming all transfer details before submission.
2. (b)The AI Assistant’s recommendations and suggestions are provided for convenience only and do not constitute financial advice.
3. (c)You should not rely solely on the AI Assistant for critical transfer decisions. Always review the confirmation screen before approving any transaction.
4. (d)The AI Assistant may use machine learning to improve its understanding of your preferences over time. See our Privacy Policy for details on how this data is processed.

If you use voice commands with the AI Assistant, your voice input is processed to extract transfer instructions. See our Privacy Policy for details on how voice data is handled.

1. (a)Stablecoins are not U.S. dollars and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any government agency;
2. (b)The value of stablecoins may fluctuate and is dependent on the reserves and operations of their respective issuers (Circle for USDC, Tether for USDT);
3. (c)Stablecoin transactions on blockchain networks are generally irreversible once confirmed;
4. (d)You are responsible for understanding the risks associated with stablecoins before using the Service.

1. (a)The availability, pricing, fees, or operations of any third-party exchange;
2. (b)Any losses resulting from the failure, insolvency, or actions of a third-party exchange;
3. (c)Delays or errors in transferring stablecoins from a third-party exchange to your Stratum Remit Wallet.

1. (a)Blockchain transactions are subject to network congestion, delays, and varying fees;
2. (b)Transactions sent to incorrect addresses or without required information (such as the Stellar memo) may result in permanent loss of funds;
3. (c)Stratum Remit cannot reverse, cancel, or recover blockchain transactions once confirmed on the network.

Stratum Remit operates as a licensed money transmitter under the laws of applicable U.S. states. Our NMLS registration number is #2116903. You may verify our license status at the NMLS Consumer Access website (nmlsconsumeraccess.org).

1. (a)We verify the identity of all users;
2. (b)We monitor transactions for suspicious activity;
3. (c)We file Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) as required by law;
4. (d)We may decline, delay, freeze, or reverse transactions that we believe may violate applicable law or our compliance policies;
5. (e)We may close your account if we determine that your activity poses a compliance risk.

Stratum Remit screens all users and transactions against the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC) Specially Designated Nationals (SDN) list and other applicable sanctions lists. Transactions involving sanctioned persons, entities, or jurisdictions will be blocked.

We may disclose your account information and transaction records to law enforcement, regulatory agencies, or other government authorities as required by applicable law or in response to valid legal process (subpoenas, court orders, search warrants).

You may cancel a transfer before it has been processed and delivered to the Recipient. Once a transfer has been delivered, it cannot be cancelled.

If a transfer cannot be completed (e.g., due to incorrect Recipient details, Recipient bank rejection, or regulatory restrictions), the funds will be returned to your Stratum Remit Wallet. The refunded amount will reflect the original stablecoin value, and any exchange rate difference between the time of the original transfer and the refund is borne by you.

If you believe an error has occurred with a transaction, contact us at support@stratumremit.com within sixty (60) days of the transaction date. We will investigate and respond in accordance with applicable federal and state error resolution requirements, including Regulation E and relevant state money transmitter regulations.

If you believe an unauthorized transaction has been made from your account, notify us immediately at support@stratumremit.com. Your liability for unauthorized transactions depends on how quickly you notify us, consistent with the protections provided under applicable law.

The Service, including the App, website, AI Assistant, algorithms, software, designs, text, graphics, logos, and all related intellectual property, is owned by Orokii Inc. and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to download and use the App on your personal mobile device solely for your personal use of the Service, subject to these Terms.

“Stratum Remit,” the Stratum Remit logo, and related marks are trademarks of Orokii Inc. You may not use these trademarks without our prior written consent.

These Terms are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of laws principles.

Before initiating formal dispute resolution, you agree to contact us at legal@stratumremit.com and attempt to resolve any dispute informally for at least thirty (30) days.

Any dispute that cannot be resolved informally will be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be conducted in Middlesex County, New Jersey, or by telephone/video if mutually agreed. The arbitrator's award will be final and binding.

Either party may bring an individual action in small claims court in Middlesex County, New Jersey, if the claim falls within the court's jurisdictional limits.

You may opt out of the arbitration and class action waiver provisions by sending written notice to legal@stratumremit.com within thirty (30) days of first accepting these Terms. Your notice must include your name, account email, and a clear statement that you wish to opt out of arbitration.

You may close your account at any time by contacting us at support@stratumremit.com. Before closing your account, you should withdraw any remaining stablecoin balance from your Wallet. Any pending transfers will be completed or cancelled before your account is closed.

1. (a)Violation of these Terms or any applicable law;
2. (b)Suspicious, fraudulent, or potentially illegal activity;
3. (c)Failure to provide requested verification information;
4. (d)Extended inactivity;
5. (e)As required by law, regulation, or court order.

We will make reasonable efforts to notify you before or promptly after any suspension or termination, unless prohibited by law.

Upon termination, your right to use the Service immediately ceases. Any remaining stablecoin balance in your Wallet will be available for withdrawal for thirty (30) days following termination. After that period, we may convert remaining balances and mail a check to your address on file, minus any applicable fees. Sections 12–16 will survive termination.

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Stratum Remit regarding the Service.

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Stratum Remit will not be liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to natural disasters, government actions, internet disruptions, blockchain network failures, third-party exchange outages, or failures of payment infrastructure in Recipient countries.

By using the Service, you consent to receiving electronic communications from us (email, push notifications, in-app messages). You agree that all notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.