Legal
Terms of Service
Last updated: June 9, 2026. These terms govern access to the Universa website, developer sandbox, API keys, documentation, and related rails.
Use of Universa
Universa provides developer tools for compliant fiat, stablecoin, virtual account, KYC, quote, transfer, and payout workflows. Sandbox access is for testing only and does not represent live production approval, actual transaction volume, earned revenue, or a commitment that any specific rail will be available.
Developer Responsibilities
You are responsible for your integration, user experience, business model, compliance controls, customer communications, and use of any API keys or credentials issued to you. You may not use Universa for fraud, sanctions evasion, unlawful activity, misleading financial claims, unauthorized money movement, or activity prohibited by our providers, partner banks, liquidity partners, or applicable law.
Compliance Review
Production access may require identity verification, business review, risk review, documentation, transaction monitoring, end-user KYC or KYB, and approval by Universa or its regulated partners. Universa may suspend, limit, or decline access if activity creates legal, compliance, security, operational, or reputational risk.
Fees and Quotes
Quotes may include provider costs, FX or liquidity costs, Universa platform fees, and developer-configured markup. A displayed sandbox quote is for testing and may differ from production pricing, availability, settlement time, or supported corridors.
No Financial Advice
Universa does not provide legal, tax, investment, financial, or accounting advice. Developers are responsible for evaluating their own regulatory obligations and obtaining professional advice before launching production money movement products.
Contact
For questions about these terms, contact [email protected].