Custom Services.

1. Scope

These terms govern Paype's custom services: VIP OTC trading, Smart Contract Integration, and Digital Securities Processing. These are custom products — scoped, built, and priced per client. These terms supplement the Paype Terms of Service.

2. VIP OTC Trading

2.1 Eligibility

Available to verified Orchestra-tier business accounts for transactions over $50,000 equivalent.

2.2 Quotes and Execution

• Quotes are private, non-binding, and valid for the time specified in the quote.
• Each trade is individually quoted based on size, pair, and market conditions.
• Paype may decline to quote or execute any trade at its discretion.

2.3 Settlement

• Settlement terms specified per trade. Standard: T+0 for crypto-crypto, T+1 for fiat-crypto.
• Counterparty risk: you trade with Paype's liquidity providers, not on a public exchange.
• No order book exposure. No slippage. No front-running.

2.4 Risks

• OTC trades are not exchange-traded. No exchange protections apply.
• Prices reflect institutional liquidity conditions and may differ from exchange prices.
• Large trades may require enhanced compliance screening.

3. Smart Contract Integration

3.1 Service Description

Paype builds and deploys custom smart contracts for automated money flows: recurring splits, conditional payouts, multi-party distributions.

3.2 Scope and Delivery

• Scoped per client. Statement of Work defines deliverables, timeline, and fees.
• Paype deploys and monitors the contract. Client defines the rules.

3.3 Risks and Limitations

• Smart contracts carry inherent risks: code bugs, logic errors, oracle manipulation, economic exploits, governance attacks.
• Immutable contracts cannot be changed after deployment. Upgradeable contracts depend on the upgrade mechanism's security.
• Paype is the infrastructure provider and deployer, not the contract auditor. Independent security audit recommended.
• Paype's liability for smart contract failures is limited to fees paid for the specific smart contract service.

3.4 Multi-Sig Requirement

• All smart contracts involving Paype-custodied assets require multi-sig with Paype as a required signer.
• No single-key control of Paype-custodied assets through smart contracts.

4. Digital Securities Processing

4.1 Service Description

Paype processes subscription, distribution, and redemption payments for security token issuers. Paype does not: issue tokens, determine whether a token is a security, provide securities law advice, hold security tokens for its own account, or match buyers and sellers.

4.2 Issuer Obligations

• Issuer represents it has independent securities law advice.
• Issuer is responsible for: securities law compliance, investor accreditation verification, disclosure documents, and regulatory filings.
• Issuer indemnifies Paype for securities law claims arising from the issuer's activities.

4.3 Payment Processing

• Paype processes payments in fiat and crypto per standard Paype fees.
• Compliance screening on all transactions: sanctions, AML, KYC.
• Cryptographic audit trail on every payment. Auditor-ready export.

5. Recurring Payments and Auto-Top-Up

5.1 Recurring Payments

• Schedule payments: daily, weekly, or monthly. Set amount, recipient, and rail.
• You authorize each recurring series. You may cancel at any time before the next scheduled execution.
• Failed payments (insufficient balance, rail failure) are retried once. After second failure, the series is paused.
• You are responsible for ensuring sufficient balance for scheduled payments.

5.2 Auto-Top-Up

• Set a minimum balance threshold. When your balance dips below, a top-up bank transfer is initiated automatically.
• Auto-top-up amount: you configure the top-up amount (fixed or to-target).
• Auto-top-up uses a bank transfer (SWIFT or SEPA depending on your account). You authorize the recurring transfer up to the configured amount.
• You may disable auto-top-up at any time. Disabling does not affect already-initiated transfers.
• Insufficient funds in linked bank: top-up fails. You are notified. No overdraft or penalty from Paype. Your bank may charge fees.

6. General

Custom services are subject to all Paype policies including Acceptable Use, BSA/AML, and sanctions compliance. Paype may decline to provide any custom service at its discretion. Custom services pricing: scoped per client. No public pricing. Non-refundable setup fees may apply.