Legal Disclaimers

Network Status

Nirium runs across two Stellar networks. The non-custodial nodes - settlement (x402), audit anchoring and reporting - operate on Stellar Mainnet; these never hold or move client funds. Autonomous rebalancing runs on mainnet over DeFindex vaults structured so the client owns them (today’s live vault is Nirium’s own, self-funded), invite-only while legal review concludes. NiriumVault, Nirium’s own contract, operates on Stellar Testnet, audit-gated, and will only reach mainnet after a formal external security audit. MPP Charge is experimental: verified on testnet, not tested on mainnet; for paid access on mainnet, use x402. The /ramp page is a demo on Etherfuse’s sandbox: the quote and the order are placed with Nirium’s test account at Etherfuse and no real money moves. To get real CETES, each person opens their own account at Etherfuse.

Update, 2026-10-04 (checked against the nirium 0.16.0 changelog that day): this section used to list MPP as part of the settlement running on mainnet and the treasury vault as testnet-only. Both were wrong: MPP Charge is experimental and not available on mainnet, and the treasury that runs on mainnet is DeFindex-based (testnet-only applies to NiriumVault). Testnet operations use test tokens with no real-world monetary value.

Rate Data and Displays

All rate figures displayed within Nirium - the Blend supply rate, the Etherfuse CETES reference rate, network fees - are public protocol reference data, attributed to their source. They are not return projections, guarantees, financial promises, or a recommendation to buy, sell or hold anything.

• Blend Protocol Rate: Shown when the node can read it from Blend’s public smart contracts; a value of 0 means no data was available, not a 0% rate.
• Etherfuse CETES Rate: The 5.55% shown is a fixed reference value read from app.etherfuse.com/b/cetes in 12 Nov 2026. It is not updated live and may differ from the current rate.

These figures are provided strictly for informational and UI demonstration purposes.

Non-Custodial Architecture

Nirium is purely a software infrastructure provider. We do not custody user funds. Client private keys never leave the client’s side, and signing happens with the client’s own wallet (for example, the Freighter extension). The only role Nirium can hold on a client’s DeFindex vault is the rebalance role: it can move funds between the vault’s own strategies, it cannot withdraw them, and the client can revoke it at any time. Outside that role, Nirium cannot access, freeze or move user funds without a transaction the user signed.

Restricted Jurisdictions and Sanctions

Nirium Protocol operates from Mexico, run by its founders with no incorporated legal entity to date, and does not offer its services into jurisdictions where those services would constitute regulated activity, regardless of how the software is built. Access is prohibited from comprehensively sanctioned jurisdictions, jurisdictions subject to a Financial Action Task Force call for action, and mainland China. In the European Economic Area, the United Kingdom and the United States, pending a written legal opinion, Payouts is not offered on any network and the Treasury node is not offered on mainnet; the Treasury node on testnet, where test tokens have no value, stays available as a demonstration, and withdrawing from a vault you already own is never restricted there.

By using any Nirium service you represent, on every occasion of use, that you are not located in or resident of a prohibited jurisdiction and are not a sanctioned person or acting for one. Nirium may block access by technical means, including IP geolocation, and may refuse or terminate service without notice. Because Nirium never holds funds, termination never strands assets: your keys, accounts and vaults remain fully usable without us.

The full policy governs: Restricted Jurisdictions & Sanctions Policy.

Open Source Licensing

The core components of the Nirium ecosystem are open-sourced to ensure transparency:

• Smart Contracts, SDK, MCP, and Agent API: Licensed under the Apache License 2.0.
• Dashboard Interface: Licensed under the Apache 2.0 License.

Ecosystem Participation

Nirium is an independent project in the Stellar developer ecosystem. It has received SCF Instaward grants for technical validation, completed under full KYC procedures. Amounts are not disclosed here. Nirium follows the Stellar Code of Conduct and builds transparently, with on-chain activity verifiable by anyone.

Stellar Code of Conduct

We are fully committed to fostering a safe, inclusive, and professional environment. By interacting with the Nirium project, community, or software, you agree to abide by the Stellar Code of Conduct.

Security Audits

Nirium’s own smart contracts (NiriumVault and NiriumProtocol) have not yet been formally audited by an independent third party. A full external audit is required before NiriumVault operates on mainnet. Until then, NiriumVault runs on testnet only; the non-custodial settlement, audit and reporting nodes - which never touch client funds - run on mainnet. The mainnet Treasury node runs on third-party contracts that do have independent audits: DeFindex (OtterSec, March 2025) and Blend. Those audits are theirs, not Nirium’s, and do not cover each deployed vault’s configuration.

Mexico Legal & Regulatory Position

Nirium provides software-only infrastructure. It is not authorized as, and does not operate as, a Financial Technology Institution (Institución de Tecnología Financiera - ITF): it holds no client balance or electronic payment funds. It does not buy, sell or exchange virtual assets as its own business. One question is open: whether the autonomous Treasury rebalance and Payouts fall under fraction XVI of article 17 of the LFPIORPI, a vulnerable activity in force since 2019. Since July 2025 that fraction also covers platforms that facilitate their clients’ virtual-asset operations or “provide means to [...] transfer” virtual assets, including operations with Mexican citizens from another jurisdiction. Article 24 Bis 4 of the SHCP’s General Rules under that law (added by Acuerdo 115/2026, applicable from November 30, 2026) defines that facilitation and says it applies even without control of the assets. If it applies, Nirium would be an Obligated Subject (Sujeto Obligado) for that activity. Nirium has not yet obtained a written legal opinion on it. Until it does, both stay invite-only on mainnet and Payouts collects client identification there. Audit anchoring, reporting and x402 settlement of Nirium’s own paid endpoints only record or report facts, or charge for Nirium’s own service, and are not part of that question. We do not provide financial advice, broker services, or custody of fiat or digital assets.

This is how Nirium reads its own position, not legal advice to anyone. Each user should consult their own counsel on the law that applies to them.