Terms of use

You may use the Interface only if you are at least 18 years old with full legal capacity, and only where doing so is lawful. It is not offered to anyone in the following cases:

• US persons, as defined in Regulation S under the US Securities Act of 1933, and anyone located, resident or incorporated in the United States.
• Anyone located or resident in Cuba, Iran, North Korea, Syria, Russia, Belarus, or the Crimea, Donetsk and Luhansk regions of Ukraine. [Additional excluded jurisdictions to confirm.]
• Anyone listed on, owned or controlled by, or acting for someone listed on a sanctions list maintained by the United Nations, the European Union, the United Kingdom or the US Office of Foreign Assets Control.
• Anyone using a VPN or any other means to get around these restrictions.

Nothing on the Interface, on this website, in the journal or in our communications is investment, financial, legal or tax advice, nor a recommendation to buy, sell, lend or borrow any asset. Rates, figures and examples are information only.

You decide alone whether a transaction suits you. Seek independent advice if you are unsure.

Some flows let you exchange one token for another before or after using a market. Those swaps are routed by LI.FI or Jupiter, third-party aggregators that pick the route across decentralised exchanges, or go directly through liquidity pools on Orca, Meteora and Raydium, third-party protocols; the Interface compares their quotes and lets you choose. Kurate does not execute or guarantee them, and each aggregator’s or protocol’s own terms apply to the swaps it carries.

The quote shown is an estimate. The amount received can differ within the slippage tolerance you set, and a swap can fail and still cost network fees.

You are solely responsible for your wallet, your seed phrase and the devices you use: anyone who controls your wallet controls your positions, and we cannot restore access to one. Check every transaction before you sign it.

• Comply with the laws that apply to you, including tax law.
• Do not use the Interface to launder money, finance terrorism, evade sanctions or commit fraud.
• Do not manipulate a market or an oracle, or attack, overload or probe the Interface or the contracts behind it outside a responsible disclosure.

The markets take a share of the interest paid by borrowers, as set in their on-chain parameters. Network fees are paid to the Solana network, not to Kurate.

The Interface is provided “as is” and “as available”. We may change, suspend or stop it at any time. Because the markets live on-chain, your positions remain reachable through Kamino or any compatible interface if ours is unavailable.

To the extent the law allows, Kurate is not liable for losses arising from the smart contracts, oracles or protocols the markets rely on; the Solana network; LI.FI or any exchange it routes to; the issuers of EURC, xStocks or other listed assets; the liquidation of a position; your wallet or devices; or market movements.

Where our liability cannot be excluded, it is limited to direct and foreseeable damage. Nothing in these terms limits liability for gross negligence, wilful misconduct, or anything else that cannot be limited under the law that applies to you, including mandatory consumer protection rules.

We may update these terms. A new version carries a new date, and you will be asked to sign it before continuing to use the Interface.

These terms are governed by [applicable law]. Disputes go before the courts of [jurisdiction], without prejudice to any mandatory rule allowing a consumer to bring proceedings where they live. Before going to court, write to paulunemoon@gmail.com so we can try to settle the matter amicably.