Network Terms of Use

(API Access and Technical Integration)
Document Reference: REMI-LGL-TOU-001 | Version 1.0
Last updated: 03.05.2026

IMPORTANT NOTICE. These Terms govern access to, and use of, the application programming interfaces, technical infrastructure, and orchestration services provided by Remi FZC LLC (“Remi”, “we”, “us”) by business entities only. The Services are not offered to, and may not be used by, individuals acting in a personal or consumer capacity. Remi is a technology company. We are not a bank, are not licensed by the Central Bank of the United Arab Emirates, and are not a payment, money services, or virtual asset service provider. We do not hold, custody, transmit, or control funds, fiat balances, or digital assets at any time. All regulated services accessible through the Network are provided by separately Licensed Partners under their own agreements.

1. About these Terms

These Network Terms of Use (the “Terms”) constitute a legally binding agreement between Remi FZC LLC, a free zone limited liability company incorporated in the Sharjah Publishing City Free Zone, United Arab Emirates, and the business entity (the “Network Operator”, “you”, or “your”) that registers for access to or uses the Services.

By submitting an application for access, signing an order form or schedule that incorporates these Terms by reference, integrating with the API, or otherwise accessing or using the Services, you confirm that (a) you are a duly incorporated and validly existing legal entity, (b) the natural person executing or accepting these Terms is duly authorised to bind you, and (c) you have read, understood, and agree to be bound by these Terms. The Services are not made available to natural persons acting in a personal capacity, and any such use is prohibited.

Specific commercial, technical, or jurisdictional terms applicable to your use of the Services may be set out in one or more order forms, schedules, or statements of work executed between you and Remi (each, an “Order”). In the event of a conflict between an Order and these Terms, the Order shall prevail in respect of the matter addressed.


2. Definitions

“API” means the application programming interfaces, software development kits, technical specifications, sandbox environments, and related developer resources made available by Remi to enable connection to the Network.
“Applicable Law” means all laws, regulations, sanctions regimes, regulatory guidance, and binding directives applicable to the provision or use of the Services in any relevant jurisdiction, as amended from time to time.
“Authorised Representative” means an employee, officer, or contractor of the Network Operator who has been authorised by the Network Operator to act on its behalf in connection with the Services.
“Credentials” means the API keys, client identifiers, secrets, certificates, tokens, and other authentication materials issued by Remi to the Network Operator to enable access to the Services.
“Digital Assets” means stablecoins and other digital representations of value capable of electronic transfer or storage, accessed through Licensed Partners on the Network.
“Licensed Partners” means the regulated banks, payment institutions, virtual asset service providers, exchange houses, and other licensed entities that are connected to the Network and that deliver regulated financial services under their own agreements.
“Network” means the orchestration layer operated by Remi that enables the routing of instructions, data, and connectivity between Network Operators and Licensed Partners.
“Network Operator” means a business entity that has been admitted by Remi to access the Services, including banks, fintechs, payment institutions, exchange houses, virtual asset service providers, technology companies, and other regulated or commercially eligible entities.
“Services” means the API, the Network, and the related technical infrastructure, integration support, and orchestration services made available by Remi to Network Operators under these Terms and any applicable Order.


3. Our Role and Regulatory Status

Remi is an unregulated technology service provider. The Services constitute technical infrastructure and an orchestration layer that enables Network Operators to connect to Licensed Partners. We do not provide banking, payment, money transfer, electronic money, virtual asset, custody, exchange, brokerage, or investment services on our own account, and we do not operate any wallet, IBAN, payment account, or ledger on which funds or Digital Assets are held.

Where required, we act as a technology outsourcing partner of a Licensed Partner under a written Material Outsourcing Arrangement entered into in accordance with applicable regulatory requirements. The Licensed Partner retains full regulatory accountability for the regulated services it provides through the Network, including in respect of customer due diligence, anti-money laundering and counter-terrorist financing controls, transaction monitoring, sanctions screening, complaints handling, and the safekeeping of funds.

Nothing in these Terms creates any fiduciary, advisory, agency, partnership, joint venture, or employment relationship between you and Remi. We do not provide legal, tax, financial, or investment advice.


4. Eligibility and Admission to the Network

To be admitted to the Network and to use the Services, you must:

• be a duly incorporated, validly existing, and legally authorised business entity, holding all licences, registrations, and permits required for your business under Applicable Law;
• not be the subject of, and not act on behalf of any person subject to, any applicable sanctions regime;
• provide accurate and complete information about your corporate identity, ownership and control structure, ultimate beneficial owners, regulatory status, and business activities, and update such information without undue delay if it changes;
• satisfy any onboarding, due diligence, technical, and commercial requirements specified by Remi or by any relevant Licensed Partner;
• represent and warrant that your use of the Services will comply with these Terms, with each applicable Order, with the requirements of each Licensed Partner with which you interact through the Network, and with all Applicable Law.

Remi may decline any application for admission to the Network, or any specific Service request, at its discretion and without giving reasons. Admission to the Network does not guarantee that any Licensed Partner will accept you as a counterparty or provide any specific service to you.


5. API Access, Credentials, and Integration

Subject to your compliance with these Terms and any applicable Order, Remi grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the API solely for the purpose of integrating with and using the Services in accordance with the technical specifications and documentation we make available.

Remi will issue Credentials to enable your access to the Services. You are solely responsible for the security and confidentiality of the Credentials, for the activities of any Authorised Representative, and for any access to or use of the Services made using your Credentials, whether or not authorised by you. You must:

• implement and maintain commercially reasonable technical and organisational measures to safeguard the Credentials, including secure storage, access controls, key rotation, and segregation of production and non-production environments;
• notify Remi without undue delay, and in any event within twenty-four (24) hours, of any actual or suspected compromise, loss, unauthorised disclosure, or unauthorised use of the Credentials;
• comply with any technical guidance, rate limits, integration requirements, security requirements, and developer policies that Remi makes available from time to time;
• not share, sublicense, or transfer the Credentials to any third party, and not permit access to the Services by any person other than an Authorised Representative.

Remi may suspend, rotate, or revoke Credentials at any time, with or without notice, where it reasonably considers such action necessary or appropriate, including for security, integrity, regulatory, or operational reasons.


6. The Services

The Services may include, in each case as further described in the documentation, technical specifications, or any applicable Order:

• API endpoints and connectivity that enable a Network Operator to route instructions, data, and messages to and from one or more Licensed Partners;
• orchestration logic that selects, sequences, or coordinates the involvement of one or more Licensed Partners in the execution of an instruction submitted by the Network Operator;
• technical workflows enabling the off-ramping of Digital Assets into fiat currency, with the Digital Asset and fiat legs being executed by Licensed Partners;
• technical workflows enabling domestic and cross-border payment instructions to be transmitted to Licensed Partners for execution;
• integration support, sandbox environments, technical documentation, and other developer resources;
• such additional technical capabilities as we may make available from time to time, which may be subject to additional terms.

The Services are technical in nature. Remi does not execute payments, transfers, conversions, or any other regulated activity; such execution is performed exclusively by the relevant Licensed Partner under its own agreement and pursuant to its own regulatory authorisations. Conversion rates, fees, settlement times, supported currencies and networks, transaction limits, and the availability of any feature on the Network are determined by the relevant Licensed Partners.

The Services may be modified, enhanced, suspended, restricted, or discontinued in whole or in part at any time, including for security, regulatory, operational, or commercial reasons or because a Licensed Partner has changed or ceased to provide the relevant underlying service.


7. Network Operator Responsibilities

You acknowledge and agree that, in respect of any natural or legal person to whom you in turn provide products or services using the Services (your “End Users”), you, and not Remi, are responsible for:

• performing customer due diligence, identity verification, source of funds and source of wealth checks, sanctions screening, ongoing monitoring, and any other regulatory measures required of you under Applicable Law;
• the contractual relationship with your End Users, including the terms of service, privacy notices, fee schedules, complaints procedures, and consumer-protection arrangements that apply to that relationship;
• holding and maintaining all licences, registrations, and authorisations required for your activities and for any service you offer to your End Users in any relevant jurisdiction;
• the lawful basis on which any data relating to your End Users is provided to Remi or to a Licensed Partner through the Network, and for ensuring that all required notices have been given and consents obtained;
• the accuracy and completeness of all instructions, data, and information you submit to the Network.

Remi has no contractual relationship with your End Users, owes them no duty under these Terms, and does not act as their agent, fiduciary, or service provider.


8. Acceptable Use

In using the Services you undertake to comply with these Terms, with each applicable Order, with the requirements of each relevant Licensed Partner, and with all Applicable Law. You must not use the Services, and must not permit any person to use the Services, for or to facilitate money laundering, terrorist financing, proliferation financing, sanctions evasion, fraud, market abuse, tax evasion, the financing of unlicensed virtual asset activity, or any other unlawful purpose. You must not:

• transmit, upload, or otherwise introduce to the Services any malicious code, virus, or other harmful component;
• attempt to gain unauthorised access to, interfere with, disrupt, or compromise the integrity, security, or performance of the Services or of any system or network connected to them;
• circumvent or attempt to circumvent any rate limit, quota, security feature, access control, or other technical or contractual restriction;
• reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, underlying ideas, or algorithms of the Services, except to the extent that such restriction is prohibited by Applicable Law;
• use the Services to build, train, or improve any product or service that is competitive with the Services;
• resell, sublicense, white-label, or otherwise make the Services available to any third party except as expressly permitted under an Order.

You represent on a continuing basis that all instructions, funds, and Digital Assets transacted with through the Services are derived from lawful sources and that you and your End Users are authorised to deal with them.


9. Anti-Money Laundering and Sanctions

You confirm that neither you, nor any of your directors, officers, ultimate beneficial owners, affiliates, or persons acting on your behalf is the subject of, or owned or controlled by a person subject to, any sanctions imposed by the United Nations, the United Arab Emirates, Arab Republic of Egypt, the United States, the United Kingdom, the European Union, or any other competent authority, or is ordinarily resident in or located in any jurisdiction subject to comprehensive sanctions.

You will at all times maintain a financial-crime compliance programme reasonably designed to ensure compliance with applicable anti-money laundering, counter-terrorist financing, counter-proliferation financing, and sanctions laws, including those of the United Arab Emirates as updated from time to time. You will cooperate, and will procure that your Authorised Representatives cooperate, with reasonable requests by Remi or by any Licensed Partner for information, documentation, or attestations required for regulatory or compliance purposes.
Remi or any Licensed Partner may, in compliance with such laws, decline to process an instruction, suspend connectivity, file a regulatory report, or take such other measures as it considers necessary.


10. Fees and Charges

Fees, charges, and any other amounts payable for your use of the Services are as set out in the applicable Order or as otherwise notified to you by Remi. Unless otherwise agreed in the Order, all fees are exclusive of any value added or similar taxes, are payable in the currency specified, and are due within thirty (30) days of the date of invoice. Late payments may bear interest at the rate specified in the Order or, in the absence of such specification, at the rate permitted by Applicable Law.

Fees, charges, foreign exchange spreads, and other amounts applicable to the regulated services delivered by Licensed Partners are governed by the agreements between you and those partners and are not the responsibility of Remi.


11. Confidentiality

Each party (the “Receiving Party”) acknowledges that, in connection with these Terms, it may receive non-public information of the other party (the “Disclosing Party”) that is identified as confidential or that should reasonably be understood to be confidential, including technical specifications, integration documentation, security information, commercial terms, business plans, and customer or operational data (“Confidential Information”).

The Receiving Party shall (a) use Confidential Information only for the purposes of these Terms, (b) protect it with at least the same degree of care it uses to protect its own confidential information of like importance, and in any event with no less than reasonable care, and (c) not disclose it to any third party other than to its officers, employees, professional advisers, and contractors who have a need to know and who are bound by confidentiality obligations no less protective than those set out in these Terms. These obligations do not apply to information that is or becomes publicly available without breach, was lawfully known to the Receiving Party prior to disclosure, is independently developed without use of Confidential Information, or is required to be disclosed by Applicable Law or by a competent authority, in which case the Receiving Party shall, where lawful and practicable, give prompt notice to the Disclosing Party. These confidentiality obligations survive termination of these Terms for a period of five (5) years.


12. Data Protection

Each party shall comply with all data protection and privacy laws applicable to it, including, where applicable, Federal Decree-Law No. 45 of 2021 of the United Arab Emirates on the Protection of Personal Data and its implementing regulations, and the General Data Protection Regulation (Regulation (EU) 2016/679).

In respect of any personal data exchanged through the Services, Remi and the Network Operator each act as independent data controllers in respect of the processing they undertake for their own purposes, except where the parties have expressly agreed otherwise in writing. The Network Operator is solely responsible for ensuring that it has a lawful basis to disclose any personal data of its End Users to Remi or to any Licensed Partner through the Network, and that all required notices have been given and, where required, consents obtained. The parties shall enter into such additional data processing or data sharing arrangements as may be required by Applicable Law.


13. Intellectual Property

All intellectual property rights in and to the Services, including the API, the Network, the software, source code, technical specifications, documentation, designs, branding, and any improvements, modifications, or derivative works of the foregoing, are and shall remain the exclusive property of Remi and its licensors. No rights are granted to you in or to the Services other than the limited licence expressly set out in these Terms.

You shall not register, use, or attempt to register any trade mark, trade name, domain name, or other identifier that is identical or confusingly similar to any of Remi’s trade marks or trade names without Remi’s prior written consent. Any feedback, suggestions, or improvement requests you provide to Remi may be used by Remi without restriction or compensation.


14. Service Availability and Support

Remi will use commercially reasonable efforts to make the Services available and to provide such technical support as is described in the applicable Order. Specific service levels, support hours, escalation procedures, and any associated remedies (including service credits, where applicable) shall be set out in the applicable Order. In the absence of an Order specifying otherwise, the Services are made available without any service-level commitment.

Remi may carry out scheduled and emergency maintenance of the Services. Remi will use reasonable efforts to give advance notice of scheduled maintenance and to limit any disruption.


15. Suspension and Termination

Either party may terminate these Terms for convenience by giving the other party not less than thirty (30) days’ prior written notice, unless a longer or shorter notice period is specified in an Order. Termination of these Terms automatically terminates any Order in effect, unless otherwise agreed in writing.

Remi may suspend, restrict, or terminate your access to all or any part of the Services, and may suspend, rotate, or revoke any Credentials, immediately and without prior notice, where:

• Remi reasonably believes that you have breached these Terms or any applicable Order, or are likely to do so;
• Remi reasonably believes that the Services are being used in connection with fraud, financial crime, sanctions breach, or other unlawful activity;
• a Licensed Partner has notified Remi that it has suspended, restricted, or terminated its relationship with you, or has objected to your continued access to the Network;
• required to do so by Applicable Law or by direction of a competent court, regulator, or law enforcement authority;
• required to address a security, integrity, or operational risk to the Services or to the Network;
• you become insolvent, enter into administration, liquidation, or any analogous proceeding, or cease to carry on business;
• Remi ceases to provide the Services or any material part of them.

On termination or expiry, your right to access and use the Services and the Credentials ceases immediately, you shall pay all amounts then due, and each party shall return or destroy the Confidential Information of the other in its possession, save to the extent retention is required by Applicable Law. Provisions intended by their nature to survive termination, including those on confidentiality, intellectual property, indemnity, limitation of liability, and governing law, shall continue in effect.


16. Disclaimers

To the maximum extent permitted by Applicable Law, the Services are provided on an “as is” and “as available” basis, without representation or warranty of any kind, whether express, implied, or statutory, including any warranty of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, or availability. We do not warrant that the Services will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Services will meet your requirements. We make no representation or warranty in relation to any service provided by a Licensed Partner.


17. Limitation of Liability

To the maximum extent permitted by Applicable Law, Remi shall not be liable for any indirect, special, incidental, consequential, exemplary, or punitive loss or damage, or for any loss of profit, revenue, business, opportunity, goodwill, anticipated savings, or data, or for losses arising from price movements in any Digital Asset or currency, in each case howsoever caused. Remi shall not be liable for any loss arising from any act or omission of any Licensed Partner, any End User, or any other third party, from any blockchain, distributed ledger, telecommunications, or other network not under Remi’s control, from any instruction submitted through the Services, or from your failure to safeguard the Credentials.

Subject to the preceding paragraph, Remi’s aggregate liability to you in connection with these Terms and your use of the Services, whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise, in any twelve (12) month period shall not exceed the total fees paid by you to Remi under the applicable Order in the twelve (12) months immediately preceding the event giving rise to the liability, or, if no Order is in effect, ten thousand UAE Dirhams (AED 10,000). Nothing in these Terms excludes any liability that cannot be excluded under Applicable Law, including liability for fraud or fraudulent misrepresentation.


18. Indemnification

You shall indemnify, defend, and hold harmless Remi, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your access to or use of the Services; (b) your breach of these Terms, of any Order, or of any agreement with a Licensed Partner; (c) your violation of any Applicable Law or of any third-party right, including any intellectual property right or right of privacy; (d) any instruction, data, or content submitted by you or by an Authorised Representative through the Services; (e) any claim brought by an End User or by any other third party in connection with services you provide using the Services; and (f) any tax, regulatory penalty, or fine imposed on Remi as a result of your acts or omissions.
19. Force Majeure
Neither party shall be liable for any failure or delay in performing its obligations under these Terms (other than payment obligations) to the extent caused by an event beyond its reasonable control, including any act of God, natural disaster, epidemic, war, civil unrest, sanctions, governmental or regulatory action, change in Applicable Law, strike, failure of telecommunications, internet, blockchain, or distributed ledger network, cybersecurity incident, or failure or default of a Licensed Partner or other third party.


20. Governing Law and Dispute Resolution

These Terms, and any non-contractual obligations arising out of or in connection with them, are governed by the federal laws of the United Arab Emirates and, to the extent applicable, the laws of the Emirate of Sharjah. Matters relating to a service delivered by a Licensed Partner are governed by the laws and dispute resolution forum specified in that Licensed Partner’s agreement.

Any dispute, controversy, or claim arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of the United Arab Emirates, save that Remi reserves the right to bring proceedings in any other jurisdiction in which you have a place of business, are incorporated, or have assets, in order to protect its rights or those of any Licensed Partner. Before initiating formal proceedings, the parties shall attempt in good faith to resolve any dispute through senior-management discussions for a period of not less than thirty (30) days.


21. Miscellaneous

These Terms, together with any Order and the documents incorporated by reference, constitute the entire agreement between the parties in relation to their subject matter and supersede all prior agreements, communications, and understandings. We may amend these Terms by giving you not less than thirty (30) days’ prior written notice, and your continued use of the Services after the effective date of the amendment constitutes acceptance. You may not assign or transfer your rights or obligations under these Terms without our prior written consent (not to be unreasonably withheld); we may assign our rights and obligations to any affiliate or to a successor in interest in connection with a corporate reorganisation, merger, or sale of assets. Nothing in these Terms creates any partnership, joint venture, or employment relationship between the parties. No failure or delay in exercising any right operates as a waiver of that right. If any provision is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. These Terms do not confer any right on any person other than the parties, save that the Licensed Partners are intended third-party beneficiaries of any provision expressed to be for their benefit. Any notice under these Terms shall be in writing and sent to the address designated in the applicable Order or, in the absence of such designation, to the registered office of the recipient. These Terms are issued in English; where a translation is provided, the English version shall prevail in the event of any inconsistency, save where Applicable Law requires otherwise.


22. Contact

Notices, queries, and complaints under these Terms should be addressed to:
Remi FZC LLC
Sharjah Publishing City Free Zone, Sharjah, United Arab Emirates
Commercial and partnerships: hello@remi.ae
Legal and contractual: hello@remi.ae
Technical and security incidents: hello@remi.ae

ACKNOWLEDGEMENT. By accessing the Services or integrating with the API, the Network Operator acknowledges that it has read and understood these Terms, that the natural person executing or accepting these Terms is duly authorised to bind it, that the Services are made available solely on a business-to-business basis and not to natural persons acting in a personal capacity, and that the regulated services accessible through the Network are provided by Licensed Partners under their own agreements.

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