Terms of Use

Kola.money is a payments product that helps users move between naira and supported stablecoins, fund balances, hold value, and withdraw to supported bank accounts.

By using Kola.money, you agree to provide accurate information, follow product and security instructions, and use the service only for lawful purposes.

Kola.money may operate as a controlled beta, invite-only product, or limited-access service at different times. We may approve, deny, suspend, or revoke access at our discretion for security, compliance, fraud, operational, or legal reasons.

You may only use Kola.money if you are legally allowed to do so in your location and if your use does not violate applicable sanctions, laws, or regulatory restrictions. You are responsible for safeguarding your devices, WhatsApp account, email account, and any verification methods or PINs linked to your Kola account.

You must follow the deposit and withdrawal instructions shown to you at the time of a transaction. Sending the wrong asset, network, amount, bank details, or transfer reference may delay processing, require manual review, or prevent completion.

Quotes, exchange rates, and settlement times may change before confirmation. A displayed quote is not final until the relevant transaction has been submitted, accepted, and processed through Kola.money and its partners.

Kola.money may charge product fees on certain transaction types, including withdrawals. Provider or partner fees may also apply separately. Where possible, we will show the fee breakdown before you confirm a transaction.

For withdrawals, the total amount debited from your stablecoin balance may include both the provider fee and the Kola fee. Deposit fees may differ from withdrawal fees, and some deposit methods may remain free while third-party bank or provider charges still apply.

We may impose transaction minimums, limits, review requirements, or temporary holds based on risk, compliance, operational needs, or partner requirements.

We may delay, reject, reverse, or place a transaction under review where we detect unusual activity, mismatched transaction details, partner issues, security risks, or other compliance concerns. Funds under review may not be immediately available for withdrawal or reuse.

We may change, suspend, or discontinue any part of Kola.money at any time, including for maintenance, product changes, partner changes, security work, operational needs, or legal requirements.

These terms should still be reviewed by qualified counsel before broad public launch so they match the final corporate, compliance, and partner setup behind Kola.money.