Cashtopia LLC – Service Policy

Effective Date: July 1, 2025

1. Overview

Cashtopia LLC is a U.S.-registered Money Services Business (MSB) with the Financial Crimes Enforcement Network (FinCEN), based in Lexington, Kentucky. This Service Policy outlines the full scope of features, responsibilities, and expectations tied to Cashtopia’s digital financial services.

By using Cashtopia’s services, users agree to comply with this Service Policy in addition to the Terms and Conditions and Privacy Policy.

2. Features and Services

Cashtopia is a modern financial ecosystem built for individuals, businesses, and agents worldwide. Our services are accessible through mobile and web platforms, offering a smooth, secure, and user-friendly experience.

2.1. Wallet System

Multi-currency digital wallet supporting USD, UGX, and other local currencies.
Fund your wallet via bank transfers, cards, crypto, or mobile money.
Secure wallet management with real-time transaction history.

2.2. Money Transfers

Instant peer-to-peer transfers locally and across borders.
Low-cost global remittances with transparent exchange rates.
Integration with banks, mobile money platforms, and digital wallets.

2.3. Bill Payments & Top-Ups

Pay utility bills (electricity, water, TV, internet) instantly.
Top up airtime and data for all major telecom providers.
Scheduled payments and reminders for recurring bills.

2.4. Cryptocurrency Services

Convert crypto to local currency and withdraw to bank or wallet.
Supported tokens: BTC, USDT, ETH, and more.
Real-time exchange rates and transaction alerts.

2.5. QR Code Payments

Scan-to-pay feature for merchants and retail shops.
Merchants can generate static or dynamic QR codes.
Instant confirmation and receipts for buyers and sellers.

2.6. Virtual Cards

Create virtual prepaid cards for online shopping.
Cards are linked to your Cashtopia wallet.
Safe for international e-commerce and subscriptions.

2.7. Merchant Services

Merchant wallets with sales tracking and analytics.
Payment links and QR code systems for small businesses.
Bulk payouts, payroll, and invoicing features.

2.8. Agent Network

Agent tools for cash-in/cash-out services and user onboarding.
Commission structures and performance dashboards.
Ideal for community financial services and micro-banking.

2.9. Cross-Platform Access

Full service available via Android, iOS, and web browsers.
Secure login via OTP, biometrics, or password.
AI-enhanced fraud detection and account protection.

3. Availability of Services

Cashtopia operates 24/7, except during scheduled maintenance or unforeseen system issues. Services may vary based on location, account type, and applicable regulations.

4. User Responsibility

Users are responsible for verifying recipient details before initiating transactions. Cashtopia is not liable for funds sent to the wrong person or to fraudulent actors. It is your duty to verify authenticity before sending money.