Terms of Service
Last updated: November 9, 2026
1. What Nirium is
Nirium is software. It runs nodes and an API on Stellar to charge per call (x402), anchor receipts (Audit Trail), report, build batch payouts that the client signs (Payouts) and rebalance the client's own vault (Treasury). Nirium never custodies client funds. Issuing, holding and redeeming real-world assets such as CETES is done by third parties under their own terms, such as Etherfuse.
2. No guarantee of returns
Nirium does not guarantee returns or the liquidity of any asset or market. Rates and metrics shown on the site are for information only. Nirium is not an investment product, a security or a fund. Funds stay under the client's own keys.
3. Automation
If you enable autonomous rebalancing, you authorize Nirium's agent to sign, with its own key, moves between your DeFindex vault and its strategies, following the thresholds you set. That role cannot withdraw funds, and you can revoke it at any time. Automated systems, data sources and external APIs can fail, be late or return wrong data; the risks are described in the Risk Disclosure.
4. Tokenized assets (USDC, CETES)
USDC is issued by Circle; tokenized CETES are issued by Etherfuse. Their value and redemption depend on those issuers and, for CETES, on the Mexican government bonds behind them. Nirium does not issue, hold or redeem either. On mainnet, CETES exposure happens through DeFindex vaults the client owns (invite-only until there is a written legal opinion); on testnet, also through Nirium's own NiriumVault contract, as a proof of concept.
5. Governing law and disputes
These terms are governed by the federal laws of Mexico. Disputes go to the competent courts of Mexico City, unless both parties agree in writing to arbitration, in which case the written agreement names the institution and rules. For Payouts, its own terms apply. Nothing here takes away rights the law gives you as a consumer.
6. Availability
The software is provided as is. We do not guarantee it is always available: it depends on the Stellar network and on providers such as Fly.io, Vercel, Supabase and IPFS gateways. We are not liable for losses caused by failures of the network or of those third parties, except for intentional misconduct (dolo) or to the extent the law does not allow that liability to be excluded.
7. What Nirium does not do
Nirium does not offer securities to the public and does not provide financial services. Whether autonomous rebalancing and Payouts fall under fraction XVI of article 17 of the LFPIORPI is an open question, with no written legal opinion yet; meanwhile both are invite-only on mainnet. Each party complies, for its own clients, with the financial, sanctions and anti-money-laundering laws that apply to it.
8. 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 they would be regulated activity, however the software is built. Access is prohibited from comprehensively sanctioned jurisdictions, jurisdictions under a FATF 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 stays available as a demonstration, and withdrawing from a vault you already own is never restricted there. By using any Nirium service you represent, each time, 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 end service. Because Nirium never holds funds, ending service never strands assets: your keys, accounts and vaults keep working without us. The full policy governs: /legal/restricted-jurisdictions-v1.md.
9. Open source and brand
Nirium's code (contracts, packages, MCP, agent API and the interface) is published under the Apache 2.0 license, which lets you use, modify and redistribute it on that license's terms. That license does not cover the Nirium name or logo. Using the nodes Nirium runs (API keys, hosted endpoints) is governed by these terms and can be limited or suspended for abuse, under the jurisdictions policy, or to protect the service.
10. Stellar Code of Conduct
Nirium follows the Stellar Code of Conduct. It is an independent project and is not endorsed by the Stellar Development Foundation.
If you use Nirium, these terms apply together with the Privacy Notice, the Risk Disclosure and the Legal Disclaimers. Nothing here limits the rights the law gives you.