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Terms of Service

Anafi Solutions Inc. Last updated: 15 September 2026

These Terms of Service (“Terms”) govern your access to and use of the website at ana.fi, the application at app.ana.fi, the Anafi API, the Anafi policy language and authorization runtime, and any related software, documentation, and services (together, the “Services”) provided by Anafi Solutions Inc., a Delaware corporation (“Anafi”, “we”, “us”).

By using the Services you agree to these Terms. If you are using the Services on behalf of a company or other entity, you represent that you have authority to bind it, and “you” means that entity. If you do not agree, do not use the Services.

1. What Anafi is and is not

1.1 Software only. Anafi provides software that lets you define rules (a “Policy”) governing when, to whom, and in what amount payments may be made from a blockchain wallet you control, and a runtime that evaluates and enforces those rules. Anafi is a technology provider.

1.2 Non-custodial. Anafi does not hold, control, or have access to your funds or private keys at any time. Any authority the Services exercise over your wallet is limited to the scope you grant through a Policy, session key, or on-chain delegation, and can be revoked by you at any time. Anafi cannot move funds outside the limits of a Policy you have signed, and cannot recover keys or reverse transactions.

1.3 Not a financial institution. Anafi is not a bank, money services business, money transmitter, payment institution, electronic money institution, custodian, exchange, broker-dealer, or investment adviser, and is not registered or licensed as any of these in any jurisdiction. Anafi does not accept deposits, hold client money, exchange currencies, or provide investment, legal, or tax advice.

1.4 Third-party services. Conversion between digital assets and fiat currency, virtual bank accounts, card services, bill-payment rails, and settlement are provided by independent third parties (“Partners”). When you use a Partner service, you contract directly with that Partner under its own terms, and the Partner is responsible for its own regulatory compliance, identity verification, and handling of your funds. Anafi is not a party to your relationship with any Partner and is not responsible for a Partner’s acts, omissions, fees, availability, or decisions to accept or decline you as a customer.

2. Eligibility

2.1 You must be at least 18 years old and have full legal capacity to enter into a contract.

2.2 You may not use the Services if you are, or are acting on behalf of, a person or entity that is (a) subject to sanctions administered by the United States, the European Union, the United Kingdom, or the United Nations, or (b) located in, organised in, or ordinarily resident in a country or territory subject to comprehensive sanctions. Wallet addresses may be screened against sanctions and risk lists by Anafi and by Partners, and transactions to or from flagged addresses may be blocked without notice.

2.3 You may not use the Services where doing so would be unlawful in your jurisdiction. You are responsible for determining whether your use is lawful.

2.4 Anafi may, and Partners will, require identity or business verification before certain features are available. You agree to provide accurate and complete information and to keep it current.

3. Your wallet and your responsibilities

3.1 You are solely responsible for your wallet, your private keys, your seed phrase, and any device or software you use to access the Services. Anafi never asks for your private keys or seed phrase.

3.2 You are solely responsible for every Policy you create, sign, or activate, including its limits, recipients, schedule, and duration. Review each Policy before signing. A Policy executes exactly as written, whether or not that matches your intent.

3.3 Blockchain transactions are irreversible. Once a transaction permitted by your Policy is broadcast, neither you nor Anafi can cancel or reverse it.

3.4 You are responsible for keeping sufficient funds and gas in your wallet, for confirming that recipients and addresses are correct, and for any consequences of an incorrect, outdated, or compromised Policy.

3.5 You must promptly revoke any Policy or session key you believe has been compromised. Anafi provides revocation tooling but cannot revoke on your behalf.

4. Acceptable use

You agree not to use the Services to:

  • violate any law, regulation, sanctions programme, or the rights of others;
  • launder money, finance terrorism, evade sanctions, or facilitate fraud;
  • pay for or receive payment for unlawful goods or services;
  • interfere with, disrupt, reverse engineer, or attempt to gain unauthorised access to the Services, the runtime, or any Partner system;
  • circumvent limits, rate limits, or verification requirements;
  • resell, sublicense, or provide the Services to third parties except as expressly permitted in a written agreement with Anafi; or
  • use the Services in a manner that could damage, disable, or impair them.

Anafi may suspend or terminate access, and may refuse to evaluate any Policy, where it reasonably believes these Terms have been violated or where required by law.

5. Fees

5.1 Anafi charges an automation fee on transactions executed through the Services, currently 20 basis points (0.20%) of the transaction amount, capped at USD 10 per transaction. Current fees are published at ana.fi/pricing and may change on at least 7 days’ notice.

5.2 Partner fees (including conversion spreads, off-ramp fees, and banking fees) are set by the Partner and are passed through to you without markup unless stated otherwise at the time of the transaction. Anafi does not control Partner fees.

5.3 Network (gas) fees and bridging costs are paid by you and are not controlled by Anafi. Any reduced-fee or fee-free option offered from time to time is subject to availability, is not a commitment, and may be withdrawn at any time without notice.

5.4 Fees are non-refundable except where required by law.

6. Business customers, API, and integrations

6.1 If you integrate the Anafi API or runtime into your own product, you are responsible for your end users, for your own regulatory obligations, and for presenting appropriate terms and disclosures to your users.

6.2 API access is subject to the rate limits, technical requirements, and usage restrictions in the documentation at docs.ana.fi, which form part of these Terms.

6.3 Where you have signed a separate written agreement with Anafi (such as a master services agreement or pilot agreement), that agreement prevails over these Terms to the extent of any conflict.

7. Intellectual property

7.1 The Services, including the policy language, runtime, smart contracts, application, documentation, and all related intellectual property, are owned by Anafi or its licensors. Except for the limited right to use the Services under these Terms, no rights are granted to you.

7.2 Any smart contracts published under an open-source licence are governed by that licence for the code itself; these Terms govern the Services as a whole.

7.3 You retain ownership of your Policies and your data. You grant Anafi a licence to process them as necessary to provide the Services and as described in the Privacy Policy.

7.4 If you give Anafi feedback or suggestions, Anafi may use them without obligation to you.

8. Privacy

Anafi’s Privacy Policy at ana.fi/privacy describes what data Anafi collects and how it is used. Partners collect and process data under their own privacy policies. Blockchain transactions are public by nature; Anafi cannot delete or alter on-chain data.

9. Availability and changes

9.1 The Services are provided on an “as available” basis. Anafi may modify, suspend, or discontinue any part of the Services at any time. Anafi will make reasonable efforts to give notice of material changes that affect active Policies.

9.2 Anafi may update these Terms. The updated Terms will be posted at ana.fi with a new “last updated” date. Continued use after the effective date constitutes acceptance. Material changes will be notified by email or in-app notice at least 7 days before taking effect.

9.3 Blockchain networks, Partner services, and third-party infrastructure may be unavailable, congested, or fail. Anafi is not responsible for such failures.

10. Risks

You acknowledge and accept the following risks:

  • Digital-asset risk. Digital assets, including stablecoins, may lose value, become illiquid, or be frozen by issuers or by law.
  • Smart-contract and software risk. Smart contracts and software may contain errors or vulnerabilities. Audits reduce but do not eliminate this risk.
  • Key risk. Loss or compromise of your keys results in loss of your funds. Anafi cannot help you recover them.
  • Partner risk. Partners may fail, become insolvent, decline transactions, freeze accounts, or change terms.
  • Regulatory risk. Laws governing digital assets and payments are changing and may affect the availability or legality of the Services in your jurisdiction.
  • Execution risk. A Policy may execute in circumstances you did not anticipate, including changes in exchange rates, recipient status, or your own financial situation.

11. Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OR ERROR-FREE OPERATION. ANAFI DOES NOT WARRANT THAT ANY TRANSACTION WILL BE EXECUTED, THAT ANY PARTNER WILL ACCEPT OR COMPLETE A TRANSACTION, OR THAT THE SERVICES WILL MEET YOUR REQUIREMENTS.

12. Limitation of liability

12.1 TO THE FULLEST EXTENT PERMITTED BY LAW, ANAFI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, DIGITAL ASSETS, OR GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICES, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12.2 ANAFI’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO ANAFI IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD 100.

12.3 Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud or for death or personal injury caused by negligence.

13. Indemnification

You will defend, indemnify, and hold harmless Anafi and its officers, directors, employees, contractors, and affiliates from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising out of or relating to (a) your use of the Services, (b) any Policy you create or sign, (c) your violation of these Terms or of any law, or (d) your violation of any third party’s rights.

14. Termination

14.1 You may stop using the Services at any time. Revoking all active Policies and delegations ends the runtime’s authority over your wallet.

14.2 Anafi may suspend or terminate your access at any time, with or without notice, for violation of these Terms, where required by law, or where continuing to provide the Services would expose Anafi to legal or regulatory risk.

14.3 Termination does not affect transactions already broadcast. Sections 1, 3, 5.4, 7, 10 through 16 survive termination.

15. Governing law and disputes

15.1 These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules.

15.2 Arbitration. Any dispute arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer or Commercial Arbitration Rules, as applicable, seated in Wilmington, Delaware, conducted in English by a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction. Either party may seek injunctive relief in court to protect intellectual property or prevent unauthorised access. You may opt out of this arbitration clause by emailing k@anafi.cc within 30 days of first accepting these Terms.

15.3 Class-action waiver. To the extent permitted by law, you and Anafi agree that disputes will be resolved on an individual basis and not as a plaintiff or class member in any class, consolidated, or representative action.

15.4 Where you are a consumer resident in the European Economic Area or the United Kingdom, nothing in this Section deprives you of mandatory consumer protections of your country of residence, and you may bring proceedings in the courts of that country.

16. General

16.1 Entire agreement. These Terms, together with the Privacy Policy, the published fee schedule, and the documentation, are the entire agreement between you and Anafi regarding the Services.

16.2 Severability. If any provision is held unenforceable, the remainder stays in effect.

16.3 No waiver. Anafi’s failure to enforce a provision is not a waiver of it.

16.4 Assignment. You may not assign these Terms without Anafi’s written consent. Anafi may assign them to an affiliate or successor.

16.5 Force majeure. Anafi is not liable for any failure caused by events beyond its reasonable control, including blockchain network failures, Partner outages, government action, or internet disruption.

16.6 Language. These Terms are written in English. Any translation is for convenience only; the English version prevails.

16.7 Contact. Anafi Solutions Inc., 8 The Green, Suite R, Dover, Kent County, DE 19901, USA, k@anafi.cc.