Terms of Service

Effective date: July 7, 2026 (v2) · Kiyo Wallet is operated by Serene Technologies Pte. Ltd. (Singapore) ("Serene", "we").

The honest version: Kiyo is self-custody software. We never hold, control, or have access to your crypto. That independence is the whole point — and it means responsibility for your keys is yours. There is no seed phrase: your sign-in methods (email, Google, Apple, passkey) are the way into your wallet. Anyone who takes over one of them may be able to rebuild your wallet on their own device and move your assets; if you permanently lose all of them, no one can recover your assets, including us.

1. What Kiyo is

Kiyo is a non-custodial software interface for managing self-custodied crypto assets: viewing balances, receiving and sending on supported blockchains, and — where available — interacting with third-party on-chain protocols such as decentralized token swaps and liquid staking. Private keys are generated and secured through embedded-wallet infrastructure designed so that Serene cannot access them. Kiyo is not a bank, exchange, broker, custodian, or money transmitter; we do not take custody of, transmit, or control funds at any point, and we cannot move, freeze, or reverse on-chain assets.

2. Eligibility

You must be at least 18 years old and legally able to use crypto-asset software in your jurisdiction. Availability of specific features (such as swaps or staking) may differ by platform and region.

3. Your responsibilities

Guard your sign-in methods — they are the keys. There is no seed phrase. Anyone who compromises your email, Google or Apple account, or passkey may recreate your wallet on their own device and irreversibly move your assets, without ever touching your phone. Use strong unique passwords, enable app-based two-factor authentication (avoid SMS-only), and prefer passkeys.
Back up. Complete the recovery and backup flows offered in the app and store any exported material safely offline.
Check before you send. Blockchain transactions are irreversible. Verify addresses, amounts, and networks before confirming; we build safeguards, but the final confirmation is yours. Losses from sending to wrong addresses or networks, malicious token approvals, or phishing cannot be reversed by us.
Comply with the law, including tax obligations on your crypto activity.

4. Prohibited use, sanctions and anti-money-laundering

You represent that you are not (a) listed on, or owned or controlled by a person listed on, any sanctions list including the U.S. OFAC SDN list, or UN, EU, UK or Singapore sanctions lists; and (b) located in, ordinarily resident in, or acting for the benefit of a comprehensively sanctioned jurisdiction (currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk and Luhansk regions).

You may not use Kiyo, directly or indirectly, for or in connection with:

money laundering, terrorist financing, or handling proceeds of crime;
evading sanctions or export controls;
fraud, scams, extortion or ransomware payments, or darknet marketplace activity;
concealing the origin of funds on behalf of another person;
any other unlawful purpose, or attacking, exploiting, or disrupting the service.

What we can and cannot do about it — honestly: because Kiyo is non-custodial we cannot freeze, seize, or reverse on-chain assets. We can and will restrict access at the application level (for example blocking app sign-in, interface features, or access from sanctioned regions), and we will cooperate with lawful requests from competent authorities. Violation of this section is a material breach and may result in immediate termination of app access.

5. Fees

Sending, receiving, and viewing assets in Kiyo is free of Kiyo fees. Blockchain network fees always apply and go to the network, not to us. Where paid features exist (such as swaps or fiat on-ramps), their fees are shown clearly before you confirm — never hidden in spreads without disclosure. Fiat purchases are provided by MoonPay, a licensed third party that performs its own identity verification (KYC) and applies its own terms.

6. Swaps and staking (third-party on-chain protocols)

Where available, Kiyo lets you interact with third-party decentralized protocols. Kiyo only constructs the transaction; you sign it, your funds go directly from your wallet to the protocol's smart contracts, and Kiyo never holds, pools, routes, or intermediates them.

Swaps (available on some platforms) are executed by decentralized on-chain liquidity protocols, not by Kiyo. Quotes are estimates; execution is subject to slippage, price movement, and network congestion, and may fail while still consuming network fees.
Liquid staking deposits your assets directly into third-party protocols (currently Jito on Solana; Lido on Ethereum) and mints a receipt token (jitoSOL, stETH) to your own wallet. Rewards are generated by the protocol — they are not paid, guaranteed, or set by Kiyo. Displayed APR is a variable estimate, not a promise.
Staking risks include: smart-contract failure, validator slashing (loss of principal), the receipt token trading below the underlying asset (depeg), and redemption depending on third-party liquidity — instant redemption is not guaranteed and is executed as an on-chain swap subject to slippage.
Kiyo is not responsible for the operation, solvency, security, or performance of any third-party protocol, and does not act as your agent, adviser, or fiduciary in connection with them.

7. No financial advice; market risk; no insurance

Prices, charts, APRs, and portfolio values shown in Kiyo are informational estimates from third-party sources and may be inaccurate or delayed. Nothing in Kiyo is investment, legal, or tax advice. Crypto assets are highly volatile; you can lose everything you put in. Your assets are not bank deposits and are not protected by any deposit insurance or investor compensation scheme (such as FDIC, SIPC, FSCS, or SDIC).

8. Third-party infrastructure

Wallet capabilities (key management, signing, and recovery) rely on third-party embedded-wallet infrastructure (currently Privy), and the service relies on public blockchain networks, RPC providers, and price feeds. These are designed so that no single party — including Serene — can unilaterally access your keys, but their availability and integrity are outside our control. Outages or failures of such infrastructure may temporarily or, in extreme cases (such as a provider permanently ceasing operations), permanently affect access. Complete the backup flows offered in the app to reduce this risk.

9. The service is provided "as is"; liability

To the maximum extent permitted by law, Kiyo is provided without warranties of any kind, and we do not guarantee uninterrupted availability.

What we do stand behind: we commit to commercially reasonable, industry-standard security engineering; to providing the protections stated in the app (such as biometric confirmation before fund-moving actions); and to honest disclosure of risks and limitations. To the extent losses are directly caused by Kiyo's own software defects or our failure to provide a stated protection, we accept responsibility within the limits below.

What we are not liable for: losses caused by blockchain networks or third-party protocols and infrastructure, phishing or account takeover on your side, your loss of sign-in methods or backups, or your own transaction errors. To the extent permitted by law, Serene's aggregate liability for any claim is limited to USD 100 or the amount you paid us in the past 12 months, whichever is greater.

Mandatory law prevails: nothing in these terms excludes or limits liability that cannot be excluded under applicable law (including for fraud, gross negligence, or death or personal injury), or your mandatory consumer rights in your place of residence.

10. Account termination

You may delete your account at any time in the app (Account → Delete account). We may suspend or terminate app access for breach of these terms, including Section 4. Because Kiyo is non-custodial, neither action moves or destroys on-chain assets — complete your backups and you retain full control of them with or without Kiyo.

11. Changes

We may update these terms; material changes will be announced in the app with reasonable notice. Continued use after changes take effect constitutes acceptance.

12. Governing law

These terms are governed by the laws of Singapore, without prejudice to mandatory consumer protections of your place of residence. Disputes shall be resolved in the courts of Singapore unless mandatory law provides otherwise.

13. Contact

Serene Technologies Pte. Ltd., Singapore · support@kiyowallet.com