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Legal · Wallet documentation

Wallet Terms of Service

INCPT Wallet LLCWallet, Staking, Cards & Platform ServicesLast updated 13 December 2025

These Terms of Service govern access to and use of the INCPT Wallet platform, including the Telegram-based bot, wallet services, staking functionality, and payment card access (collectively, the “Service”).

By accessing or using the Service, you agree to be legally bound by these Terms. If you do not agree, you must immediately discontinue use of the Service.

1Acceptance of Terms

By accessing or using the INCPT Wallet platform, including the Telegram-based bot, wallet services, staking functionality, and payment card access (collectively, the “Service”), you agree to be legally bound by these Terms of Service (“Terms”).

If you do not agree with these Terms, you must immediately discontinue use of the Service.

2Service Operator and Structure

The Service is operated by INCPT Wallet Wyoming LLC (OTOCO WY LLC - SERIES 460), a company incorporated in the State of Wyoming, United States.

Certain services available through the platform are provided by independent third-party providers, including but not limited to:

  • Crypto Invest Bank Inception LLC, A SERIES OF OtoCo DE LLC (Yield Provider);
  • licensed payment card issuers;
  • banking, payment, and financial service providers.

INCPT Wallet operates solely as a technical platform, intermediary, and access provider.

3Definitions

“Account”
a user account created within the Service.
“Bot”
the Telegram-based software interface used to access the Service.
“Card”
a virtual or offshore payment card issued by a Card Issuer.
“Card Issuer”
an independent licensed entity issuing Cards.
“Digital Assets”
cryptocurrencies, stablecoins, or other blockchain-based assets.
“Service”
INCPT Wallet platform and all related features.
“Staking”
placement of Digital Assets with a third-party Yield Provider.
“User”
any individual or entity using the Service.
“Yield Provider”
Crypto Invest Bank Inception LLC, A SERIES OF OtoCo DE LLC.

4Nature of the Service

INCPT Wallet provides:

  • custodial digital wallet infrastructure;
  • execution of Digital Asset transactions upon User instruction;
  • technical access to third-party staking and yield services;
  • access to payment cards issued by Card Issuers.

INCPT Wallet:

  • is not a bank;
  • is not a card issuer;
  • is not an investment adviser;
  • does not provide brokerage, asset management, or fiduciary services.

5Platform Intermediary and Marketplace Model

The Service functions as a platform intermediary and aggregator.

All financial, card, payment, and yield-related services are provided by independent third parties operating under their own:

  • terms and conditions;
  • fees and commissions;
  • limits and eligibility rules;
  • AML/KYC and compliance policies.

INCPT Wallet does not control, standardize, or guarantee third-party service terms.

6Account Eligibility and Compliance

By using the Service, you represent and warrant that:

  • you are legally permitted to use the Service under applicable laws;
  • you are not located in a Restricted Jurisdiction;
  • you will comply with all applicable laws, regulations, and these Terms.

INCPT Wallet may refuse service at its sole discretion.

7Staking and Yield Services

7.1Third-Party Yield Provider

Staking services are provided exclusively by Crypto Invest Bank Inception LLC, A SERIES OF OtoCo DE LLC, acting as an independent Yield Provider.

INCPT Wallet does not participate in trading, investment decision-making, or yield generation.

7.2User Authorization

By enabling Staking, you expressly authorize the transfer of Digital Assets to the Yield Provider.

7.3Yield Disclaimer

Any yield displayed or referenced:

  • is not fixed;
  • is not guaranteed;
  • may change at any time;
  • may be zero or negative.

Yield depends entirely on market conditions and the performance of the Yield Provider.

8No Financial or Investment Advice

All information provided through the Service is for general informational purposes only.

Nothing on the platform constitutes:

  • financial advice;
  • investment advice;
  • legal or tax advice;
  • a recommendation or solicitation.

Users are solely responsible for their decisions and should seek independent professional advice if necessary.

9Risk Disclosure

You acknowledge and accept all risks associated with the use of the Service, including but not limited to:

  • volatility of Digital Assets;
  • partial or total loss of assets;
  • reduced or negative yield;
  • blockchain network failures or delays;
  • regulatory or legal changes.

Use of the Service is entirely at your own risk.

10Payment Cards

10.1Card Issuance

Cards are issued by independent Card Issuers.

All card-related terms, fees, limits, FX rates, and approvals are determined solely by the Card Issuers.

10.2Card Usage

Cards may only be used in accordance with:

  • Card Issuer rules;
  • applicable laws and regulations;
  • merchant category and geographic restrictions.

INCPT Wallet bears no responsibility for card declines, blocks, or merchant acceptance.

11Fees and Limits

Fees, commissions, and limits may vary by service provider and may be changed without prior notice.

Continued use of the Service constitutes acceptance of updated fees and limits.

12AML, Monitoring, and Compliance

INCPT Wallet and third-party providers may:

  • request identity or source-of-funds documentation;
  • monitor transactions;
  • suspend, restrict, or terminate access for compliance reasons.

Failure to comply may result in immediate suspension.

13Prohibited Activities

The Service must not be used for:

  • gambling or betting services;
  • adult or pornographic content;
  • drugs or controlled substances;
  • weapons or explosives;
  • counterfeit goods or forged documents;
  • hacking, malware, or stolen data;
  • Ponzi schemes or unlicensed financial services;
  • copyright infringement;
  • terrorism, violence, or extremist activity.

Violations may result in immediate termination.

14Restricted Jurisdictions

The Service is not available to users located in or associated with the following jurisdictions:

Afghanistan, Albania, Barbados, Belarus, Burkina Faso, Cambodia, Cameroon, Cayman Islands, Chad, China, Crimea, Cuba, Democratic People’s Republic of Korea, Democratic Republic of the Congo, Gibraltar, Haiti, Iran, Iraq, Jamaica, Jordan, Kenya, Libya, Mali, Morocco, Mozambique, Myanmar, Nicaragua, Nigeria, Pakistan, Panama, Philippines, Russian Federation, Senegal, Somalia, South Sudan, Sudan, Syria, Trinidad and Tobago, Turkey, Uganda, Ukraine (including Crimea, LNR, DNR), Venezuela, Vietnam, Yemen, Zimbabwe.

15Service Provided “AS IS”

The Service is provided “AS IS” and “AS AVAILABLE”, without warranties of any kind, whether express or implied.

INCPT Wallet makes no representations or warranties regarding:

  • availability or uninterrupted operation;
  • accuracy of information;
  • yield performance;
  • merchant acceptance of Cards;
  • fitness for a particular purpose.

16Suspension and Termination

INCPT Wallet reserves the right to suspend or terminate access to the Service at any time, without prior notice, for any reason including:

  • violation of these Terms;
  • regulatory or compliance requirements;
  • security concerns;
  • suspected unlawful activity.

17Limitation of Liability

To the maximum extent permitted by law, INCPT Wallet shall not be liable for any indirect, incidental, consequential, or special damages.

Total liability shall not exceed the fees paid by the User during the preceding thirty (30) days.

18Amendments

INCPT Wallet may amend these Terms at any time.

Continued use of the Service constitutes acceptance of the revised Terms.

19Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to conflict-of-law principles.

20Final Provisions

If any provision is held invalid, the remaining provisions shall remain in full force and effect.