Legal Information

1. Acceptance of Terms

By accessing or using Lendler.io ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, you must not use the Service.

2. Non-Custodial Execution

• Lendler is a non-custodial, wallet-to-wallet execution infrastructure.
• We do not custody, pool, manage, or control user assets under any circumstances.
• Users maintain full control over their wallets and private keys.
• All actions are executed by smart contracts according to user-defined parameters.

3. No Fiat Handling

• Lendler does not handle, store, transmit, or convert fiat currency.
• All operations occur in regulated stablecoins (e.g., JPYC, EURC) or user-supplied digital collateral.
• Users are responsible for their own fiat on/off-ramp arrangements.

4. No Guarantees or Return Promises

Lendler provides infrastructure only. We do not guarantee:

• repayment,
• principal protection,
• returns,
• collateral values,
• or execution outcomes.

All activity is at the user's own risk.

5. KYC / AML Requirements

All participants must complete KYC verification. Access may be restricted based on:

• jurisdiction,
• sanctions,
• entity type,
• or regulatory requirements.

Users are solely responsible for complying with applicable local laws.

6. Fees

• Borrowers pay a 1% protocol execution fee at funding (unless on an enterprise or negotiated plan).
• Users are responsible for all blockchain gas fees.

7. Smart-Contract–Based Liquidations

If collateral falls below required thresholds, liquidation may occur automatically, strictly according to the rules the user has agreed to. Lendler does not intervene or take discretionary action.