Legal Agreement

GemRailsMerchant
Agreement

This Agreement governs the relationship between Gemrails and any Merchant using our stablecoin payment infrastructure and fiat settlement services.

18 SectionsEffective March 2026Binding on UseArbitration Clause

Key Terms at a Glance

Risk threshold0.6 / 1.0
Review window24 – 72 hrs
Informal dispute notice14 days
Settlement modelFiat to bank
Governing lawApplicable jurisdiction

This Merchant Agreement ("Agreement") is entered into between Gemrails ("Gemrails", "we", "us", or "our") and the Merchant ("Merchant", "you", or "your"). By accessing or using Gemrails services, the Merchant agrees to be bound by this Agreement, including all applicable policies such as the AML/CTF Policy.

Gemrails provides infrastructure that enables merchants to accept stablecoin payments and receive fiat settlement into designated bank accounts. Gemrails acts as a transaction processor and compliance intermediary.

Acceptance

Acceptance of supported stablecoins

Conversion

Conversion to fiat currency

Settlement

Settlement to merchant accounts

Questions about this Agreement?

Our legal and compliance teams are here to help

Legal Enquiries

legal@gemrails.com

Registered Address

Flat 2b, Higher-life Building, Onile-Aro, Ojoo, Ibadan