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Terms of Service

Last updated: 8 September 2026

1. What these terms are

These terms govern the use of Rayll: the website at rayll.io, the dashboard, the API and every related service (together, the "Service"). In these terms, "Rayll", "we" and "us" mean the operator of the Service. You can reach us at support@rayll.io.

"You" or the "Client" means the business that opens an account: an agency, a platform, a marketplace or any other company that pays creators and contractors. Rayll is a business tool. By opening an account you confirm that you act on behalf of a business, that you are at least eighteen, and that you have the authority to bind that business to these terms.

The people a Client pays are "Recipients". Recipients do not open an account; section 8 says what applies to them.

By using the Service you accept these terms and our Privacy Policy. If you do not accept them, do not use the Service.

2. What Rayll is, and what it is not

Rayll prepares payouts in USDC and lets you release them with one signature from a vault you control.

  • Your vault is yours. It is a smart-contract account on the Polygon network. Its signing key is created in a secure enclave operated by Turnkey and can only be used with the passkeys you register, plus a backup key you keep. Rayll holds no credential able to sign for you. Nothing leaves your vault unless you sign it.
  • We never hold your money. We do not receive, custody, convert, or transmit your funds or your Recipients' funds. You fund the vault yourself, from a provider of your choice. We build transactions; you approve them; the network settles them directly from your vault to each Recipient.
  • We are software, not a bank, an exchange or a payment institution. We do not provide accounts, deposits, currency exchange, investment advice or tax advice.

Because of this, if you lose access to your passkeys and your backup key, nobody, including us, can recover your vault. Section 5 explains what we ask you to do about it.

3. Your account

  • Sign-in is by a one-time link sent to your email. Keep that inbox secure: whoever controls it can sign in as you.
  • You are responsible for everyone who uses your account, your API keys and your webhook secrets. Tell us at once at support@rayll.io if you believe any of them has been compromised.
  • Give us accurate details about your business and keep them current.
  • One account per business. You may not open an account for someone else's business without their authority.

4. What you agree to do, and not to do

You agree that:

  • Your business is lawful where it operates, and every payout you prepare through Rayll is for a genuine business relationship with the Recipient (work performed, revenue shared, services rendered).
  • You comply with sanctions and anti-money-laundering laws that apply to you. You will not use the Service to pay any person or entity that is subject to sanctions, located in a comprehensively sanctioned territory, or acting for one, and you will not use it to launder money, finance terrorism, evade taxes or defraud anyone. Rayll does not perform identity checks on your behalf; that responsibility is yours.
  • You have the right to give us your Recipients' details (name, email, identifier) and to have us email them on your behalf.
  • You review before you sign. The simulation and the checks we run are there to help you; they do not replace your reading of the batch. Once you sign, the payment is yours.

You agree not to:

  • attempt to gain access to another Client's account, vault or data;
  • probe, scan, overload or interfere with the Service, or circumvent its rate limits or security measures;
  • reverse-engineer the Service, copy it, or build a competing service from it;
  • resell or sublicense access without our written agreement;
  • send unsolicited or misleading messages through Recipient links or emails;
  • use the Service in a way that breaks the law or these terms.

5. Keys, passkeys and recovery

Your vault opens with your passkeys and a backup key we hand you once at onboarding. Because we cannot recover them:

  • register at least two passkeys on two different devices, as the onboarding asks;
  • store the backup key somewhere safe and separate from those devices;
  • follow the recovery path we walk through with you before your first batch.

A lost device is an inconvenience if you did this, and a permanent loss of access to your vault if you did not. We are not liable for funds you cannot reach because keys were lost, stolen or shared.

6. Payouts, and what cannot be undone

  • On-chain payments are final. Once a transaction is confirmed on the network, neither you nor we can reverse it. A payment to a wrong address is lost. This is why Recipients enter their own address through a verified link, why new addresses are flagged at signing, and why any address change waits 48 hours; none of these removes your duty to check the batch before you sign.
  • Simulation is a preview, not a promise. It reflects the state of the network and your vault at that moment. Between simulation and execution, balances, addresses and network conditions can change. We simulate again when you sign, and we execute a batch all at once or not at all; we cannot guarantee that a batch will succeed.
  • Timing. Execution normally completes in seconds. Network congestion, provider outages or a hold on a Recipient's address can delay it. An unsigned batch expires after seven days and goes back to preparation.
  • Funding. You fund the vault before you sign. If the balance does not cover the batch and the fee, the batch waits.
  • Wrong-address risk. If you give us a Recipient's address yourself rather than letting the Recipient register it, you take the risk that it is wrong.

7. Fees

  • Our fee is 1% of the total of each batch, paid by you on top of what your Recipients receive. It is added to the batch as one more transfer, from your vault to ours, and you sign it together with the rest. It is shown, with the total debited from your vault, before you sign. There is no monthly fee, no per-Recipient charge and no minimum.
  • Network fees are covered by us for now. We may start passing them through at cost with thirty days' notice.
  • Your first two batches are free: no fee transfer is added to them.
  • No refunds. Because the fee settles on-chain together with the payouts you signed, it cannot be reversed once the batch has executed. If a batch fails on-chain, nothing is debited, including our fee.
  • Taxes. Our fee excludes any tax that may apply to it. Taxes on the payments you make to your Recipients are your business and theirs, not ours.
  • We may change our fees with thirty days' notice by email. The new fee applies to batches created after that period.

8. Recipients

If a Client pays you through Rayll:

  • The Client decides that you are paid and how much. Rayll runs the payment on its instructions. Questions about amounts or timing go to the Client.
  • The link you receive is personal. Do not forward it. Before you can enter an address we verify your email with a code.
  • You are the only person who can set or change your payout address. Any change waits 48 hours, during which you can cancel it from the email we send you.
  • Enter an address you control, on the network we name. A payment to a wrong address is final and cannot be recovered by us or by the Client.
  • Your receipt page is public to anyone holding its link. It shows what the receipt shows and nothing else.
  • Rayll does not hold any funds for you and has no balance of yours.

9. API and webhooks

  • API keys are shown once at creation; we store only a hash. Keep them secret and rotate them if in doubt.
  • The API is limited to 120 requests per minute per client, with lower limits on public and expensive routes. Responses carry the applicable limit headers. Do not attempt to work around them.
  • Webhook deliveries are signed with your endpoint's secret. Verify the signature before you trust a payload. We retry failed deliveries for about two days, then stop.
  • We may change the API. We will give at least thirty days' notice by email before removing or changing a route in a way that breaks existing integrations, unless a security issue forces us to move faster.

10. Your data

Our Privacy Policy describes what we collect and why. As between you and us:

  • You own your data: your Recipients' details, your batches, your receipts. You can export your batches and receipts at any time from the dashboard or the API.
  • For your Recipients' personal data, you are the controller and we are your processor: we process it only to provide the Service, on your instructions, keep it secure, do not share it with anyone other than the providers listed in the Privacy Policy, and delete or return it when your account closes, subject to the retention that the law imposes on payment records. If you need a signed data processing agreement, ask us.
  • You give us the right to use your data as needed to run the Service, and to use anonymous, aggregated information (for example, total volume processed) without identifying you.

11. Third parties and the network

The Service depends on things we do not control: the Polygon network and providers such as Turnkey, Pimlico, Alchemy, Supabase and Vercel.

  • Network events: congestion, outages, forks or changes to the network can delay or prevent execution.
  • Provider outages can make the Service unavailable for a time. Your vault and your funds are unaffected by any outage on our side or theirs; you can always move funds with your own keys, without us.

We are not responsible for the acts, omissions or availability of these third parties.

12. Availability and changes

We work to keep the Service available and will tell you about planned maintenance when we can. We do not promise uninterrupted service and we offer no service-level guarantee at this time. We may add, change or remove features; if a change removes something you rely on, we will give you notice.

13. Intellectual property

The Service, its software, design and content belong to us or our licensors. We grant you a limited, non-exclusive, non-transferable right to use it for your business while these terms apply. You keep every right in your own data. If you send us feedback, you agree that we may use it without obligation to you.

14. Suspension and termination

  • By you: you can stop using the Service and close your account at any time. Your vault and its funds stay yours; you can move them with your own keys, with or without us.
  • By us: we may suspend or close your account, revoke API keys or refuse a batch if you breach these terms, if the law or a lawful order requires it, if we reasonably believe the Service is being used for fraud, sanctions evasion or money laundering, or if continuing would expose us or others to serious risk. We will tell you why unless the law prevents us.
  • What suspension cannot do: it cannot touch your funds. We hold none. A suspension means we stop preparing batches for you; it never means your money is frozen.
  • Sections 6, 7 (for fees already incurred), 10, 13, 15, 16, 17 and 18 survive termination.

15. Disclaimer of warranties

The Service is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including fitness for a particular purpose, non-infringement, and any warranty that the Service will be error-free, secure or uninterrupted, or that a payout will be executed at a given time or at all. We give no legal, tax, accounting or regulatory advice; whether and how you may pay your Recipients in USDC is for you to determine.

16. Limitation of liability

To the fullest extent the law allows:

  • We are not liable for any indirect, incidental, special, consequential or punitive damages, nor for lost profits, revenue, data or goodwill, however caused.
  • We are not liable for funds lost because of an address you or a Recipient provided, keys you lost or shared, a transaction you signed, a network or third-party failure, or your breach of section 4.
  • Our total liability to you for all claims arising out of the Service in any twelve-month period is limited to the fees you paid us in that period.

Nothing in these terms limits liability that cannot be limited by law, including for fraud or gross negligence.

17. Indemnity

You will defend and indemnify us against claims, losses and reasonable costs arising from your breach of these terms, your use of the Service in violation of the law, the payouts you sign, or your Recipients' claims regarding amounts or timing decided by you.

18. Governing law and disputes

These terms are governed by French law. If something goes wrong, write to us first at support@rayll.io; we will try to resolve it with you within thirty days. Failing that, the courts of Paris, France, have exclusive jurisdiction, subject to any mandatory rule that gives you the right to another forum.

19. Changes to these terms

We may update these terms. For a material change we email account holders at least thirty days before it takes effect; for other changes we update the date at the top. Using the Service after a change takes effect means you accept it. If you do not, close your account before that date.

20. General

  • These terms and the Privacy Policy are the whole agreement between you and us about the Service.
  • If a court finds a provision unenforceable, the rest stands.
  • Not enforcing a right today does not waive it tomorrow.
  • You may not assign these terms without our written consent; we may assign them to a successor of the Service, who will be bound by them.
  • Notices to you go to the email on your account. Notices to us go to support@rayll.io.

21. Contact

support@rayll.io