Terms of Service

1. Agreement

These Terms of Service (“Terms”) govern access to and use of the websites, APIs, sandboxes, the dashboard, documentation, and related software operated by Gutschow LLC (“Gutschow,” “we,” “us,” or “our”), a New Jersey limited liability company, including gutschow.xyz, api.gutschow.xyz, docs.gutschow.xyz, sandbox.gutschow.xyz, and dashboard.gutschow.xyz (collectively, the “Services”).

By requesting credentials, calling the API, signing in to the dashboard, or otherwise using the Services, the contracting business entity (“Customer,” “you”) agrees to these Terms on behalf of itself and its authorized users.

2. Eligibility

The Services are offered solely for business-to-business use by duly organized entities. Consumer or retail use is not supported. You represent that you:

• Have authority to bind your organization;
• Will use the Services only for lawful commercial purposes; and
• Will comply with applicable anti-money-laundering, sanctions, and digital-asset laws in your jurisdiction.

3. Nature of the Services

Gutschow provides programmable clearing rails, reserved-fund orchestration, compliance gates (including velocity controls, sanctions screening, and Travel Rule metadata validation), webhook-driven status pipelines, reconciliation utilities, and operator tooling.

Settlement of USDC, EURC, or other supported assets may involve third-party licensed partners (including custodians and stablecoin issuers). Those partners are responsible for regulated custody, transmission, and account activities under their own licenses. Your relationship with them may be governed by separate agreements.

The Service supports B2B settlement on supported assets (including USDC and EURC). It is not a domestic USD ACH or wire product.

4. Sandbox vs production

• Open simulation and sandbox environments are for integration testing. They may be rate-limited, reset, or changed without SLA.
• Production access requires completed onboarding, automated B2B KYB approval, and an active Commercial Production License (Section 6) before live API keys are issued.
• Sandbox activity does not entitle you to production access or imply funded accounts.

5. Fees

5.1 Commercial Production License

Production API access requires a Commercial Production License subscription at the prices published at Pricing (currently US$900 per month or US$9,000 per year). License fees are separate from clearing tolls and are not credited against tolls.

5.2 Clearing toll

Each live settlement release is assessed a clearing toll (platform fee) per Pricing (default 0.50% of the applicable gross basis with a US$1.00 minimum per release, subject to published tiers or an Enterprise MSA). Toll mechanics are described in Pricing and API documentation.

5.3 Taxes

Fees are exclusive of taxes unless stated. Customer is responsible for applicable taxes.

6. Subscription terms (Commercial Production License)

7. Credentials and security

You are responsible for safeguarding API keys (gsk_sandbox_… / gsk_live_…), HMAC secrets, and operator identities. Compromised credentials must be rotated immediately and reported to info@gutschow.xyz. Gutschow maintains immutable audit trails of API and operator actions as a core part of the Services, for security, reconciliation, and regulatory cooperation; by using the Services you acknowledge this logging occurs.

8. Acceptable use

You agree not to:

• Use the Services for unlawful, fraudulent, or sanctions-prohibited activity;
• Bypass compliance holds, rate limits, sanctions screens, or Travel Rule gates;
• Probe, overload, or reverse engineer the Services except as permitted by law;
• Submit false, misleading, or incomplete transaction or KYB data;
• Use the Services for unlicensed money transmission or consumer cash-out; or
• Resell or sublicense the Services without our prior written consent.

9. Compliance and screening

Transactions may be screened for sanctions, velocity limits, Travel Rule requirements, and other compliance policies. We may delay, reject, hold, or reverse processing when required by law, partner rules, or risk controls. You are responsible for accurate beneficiary and originator information.

10. Data and privacy

Transaction payloads, KYB metadata, and audit logs are processed as described in our Privacy Policy and Cookie Policy. You warrant that you have a lawful basis to submit any personal or corporate data to the Services.

11. Intellectual property

The Services, documentation, software, and branding are owned by Gutschow or its licensors. These Terms grant a limited, non-exclusive, revocable license to use the Services according to your agreement with us. No other rights are granted.

12. Confidentiality

Non-public technical documentation, API specifications, and operational metrics provided to you are confidential unless published by Gutschow or required to be disclosed by law.

13. Service changes

We may modify features, endpoints, and documentation. Breaking API changes will receive commercially reasonable notice where practicable. Production availability targets, if any, are stated only in a separate SLA exhibit.

14. Enterprise agreements

Customers with material production volume or regulated use cases should execute a separate master services agreement, order form, or data processing addendum (“Enterprise Agreement”). If an Enterprise Agreement conflicts with these Terms, the Enterprise Agreement controls for the covered Customer and Services.

15. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, GUTSCHOW DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. DIGITAL-ASSET SETTLEMENT INVOLVES OPERATIONAL, MARKET, SMART-CONTRACT, AND COUNTERPARTY RISKS.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GUTSCHOW’S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES SHALL NOT EXCEED THE FEES PAID BY CUSTOMER TO GUTSCHOW FOR THE SERVICES DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED U.S. DOLLARS (US$100) IF NO FEES HAVE BEEN PAID. GUTSCHOW SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL.

17. Indemnification

You will defend, indemnify, and hold harmless Gutschow from claims arising out of your use of the Services, your violation of these Terms, your violation of applicable law, or disputes with your counterparties.

18. Suspension and termination

We may suspend or terminate access immediately for security, legal, or material breach reasons. Upon termination, your right to use the Services ceases. Provisions that by nature should survive (fees, disclaimers, liability limits, indemnity, governing law) remain in effect.

19. Governing law and disputes

These Terms are governed by the laws of the State of New Jersey, United States, without regard to conflict-of-law principles. The parties consent to the exclusive jurisdiction of the state and federal courts located in New Jersey for any dispute arising out of or relating to these Terms or the Services, except that Gutschow may seek injunctive relief in any jurisdiction.

20. Changes

We may modify these Terms by posting an updated version. Material changes will be indicated by updating the “Last updated” date. Continued use after changes become effective constitutes acceptance.

21. Contact

Product support: support@gutschow.xyz — integration, credentials, and production issues.

Legal and contractual notices: info@gutschow.xyz

Contractual notices under these Terms may be sent to that email address with a clear subject line and enough detail to identify your organization. Service of process and other formal legal papers must be delivered as required by applicable law.

Disputes are subject to New Jersey law and venue as set forth in Section 19.

Related documents:

• Privacy Policy
• Pricing
• Cookie Policy
• Legal Disclaimer