Last Updated: January 2026
Transactions initiated using a displayed USD amount are executed and settled in Digital Assets. The USD value shown at the time of initiation represents an estimated conversion reference only.
Only the Digital Asset amount required to execute the transaction and disclosed fees is transferred at execution. Market prices may fluctuate before a Recipient claims or receives the Digital Assets. ExpressPay2Me does not guarantee any fixed USD value after execution.
By creating an account, initiating a transaction, or otherwise using ExpressPay2Me (the “Service”), you agree to these Terms & Conditions (the “Terms”) and our Privacy Policy. If you do not agree, do not use the Service.
ExpressPay2Me is a non-custodial digital asset routing, notification, and facilitation service.
Certain transactions may utilize Smart Contracts as conditional, intermediary routing mechanisms to facilitate delivery, acceptance, or return of Digital Assets.
Smart Contracts used by the Service may temporarily hold Digital Assets solely to enable predefined conditions, including:
ExpressPay2Me does not exercise discretionary, manual control over assets held within Smart Contracts. Movement, return, or destruction of Digital Assets occurs according to Smart Contract rules and underlying network conditions.
Blockchain transactions are final once confirmed by the network. Please review recipient details, wallet compatibility, asset type, and network selection before sending. Completed transactions generally cannot be reversed.
Certain transactions may include optional settlement parameters selected by the Sender at initiation. Where such parameters are enabled, Digital Assets held in a Smart Contract may be distributed between Sender and Recipient according to predefined mathematical rules at the time of claim or release. These rules may reference asset value at execution and asset value at claim. ExpressPay2Me does not guarantee any minimum or maximum USD outcome and does not provide price protection, insurance, or investment functionality. All distributions occur automatically according to the transaction parameters selected at initiation.
You are solely responsible for:
Network and digital asset fees may apply in addition to the ExpressPay2Me $1 platform fee. These fees are determined by the underlying network and are not refundable once incurred.
Blockchain transactions are generally irreversible. Incorrect addresses, networks, or asset selections may result in assets not being recoverable.
Certain conditional outcomes, including cancellation or return of funds, may involve standard blockchain network fees as described in these Terms.
ExpressPay2Me operates as a non-custodial service. Most transactions, once submitted to a blockchain network, are designed to be final. However, ExpressPay2Me may support cancellation or refund functionality in specific situations as described in these Terms or within the transaction interface. When available, such functionality is facilitated through automated settlement logic and defined transaction states.
Users acknowledge that once a transaction has reached its final settlement state on a blockchain network, ExpressPay2Me cannot independently alter or reverse it. ExpressPay2Me will make reasonable efforts to support successful completion of each transaction step, but outcomes ultimately depend on network conditions, wallet accuracy, and user-provided information.
ExpressPay2Me does not provide legal, tax, financial, investment, or compliance advice. You are solely responsible for determining the legal and tax consequences of your use of the Service.
Users act solely on their own behalf. ExpressPay2Me does not act as an agent, representative, or intermediary with discretionary authority for any user, and does not enter into transactions on behalf of users except as technically necessary to facilitate conditional routing described in these Terms.
You are solely responsible for complying with all applicable laws, regulations, sanctions, reporting obligations, and tax requirements in your jurisdiction, including those imposed by United States federal authorities and any foreign, international, or governmental bodies.
The Service may not be available in all jurisdictions. You are responsible for determining whether use of the Service is permitted in your location.
You may not use the Service for:
We reserve the right to restrict, suspend, or terminate access to the Service if we reasonably believe you have violated these Terms.
ExpressPay2Me does not monitor, screen, or review transactions for legal, regulatory, sanctions, or tax compliance and makes no representations regarding transaction legality.
Any applicable service fees are disclosed prior to transaction initiation. Blockchain network fees are determined by the underlying network and are not controlled by ExpressPay2Me.
A standard $1 platform fee applies to initiating a send. An additional $1 platform fee applies if a Sender cancels a transaction prior to claim or if funds are automatically returned to the Sender after the applicable claim window expires. Each new send attempt constitutes a separate transaction and incurs an additional $1 platform fee. Blockchain network or digital asset fees may also apply.
The $1 ExpressPay2Me platform fee is separate from and in addition to any blockchain network or digital asset fees, which may vary and are not controlled by ExpressPay2Me.
ExpressPay2Me may, at its discretion, offer limited free micro-transactions for qualifying low-value email-based sends. Such offers may be subject to daily limits, amount caps, eligibility restrictions, and may be modified or discontinued at any time. Blockchain network or digital asset fees may still apply.
Network fees are assessed to cover on-chain transaction costs and are not refundable once incurred.
Estimated blockchain network fees may include a reasonable buffer to help ensure successful transaction execution. Actual network fees incurred may be higher or lower than estimates and are determined by the underlying blockchain at the time of execution. Any unused portion of a blockchain network fee buffer remains part of the transaction amount and is not separately retained by ExpressPay2Me. ExpressPay2Me service fees, including any disclosed conversion or volatility buffer applied to such service fees, are earned at execution and are not subject to later adjustment.
Any difference between estimated and actual network fees does not affect the ExpressPay2Me service fee and does not entitle users to a refund unless expressly stated within the transaction interface.
ExpressPay2Me service fees may be assessed in the same Digital Asset being transferred. When fees are assessed in a Digital Asset, ExpressPay2Me may apply a conversion or volatility buffer to account for anticipated network costs, price fluctuations, and future asset conversion.
Fee amounts, applicable buffers, and estimated network fees are disclosed prior to transaction execution. Digital Assets are transferred only upon execution of the transaction on-chain. No funds are withdrawn or held by ExpressPay2Me prior to blockchain execution. These values are calculated based on prevailing market conditions and network estimates at the time of transaction execution.
ExpressPay2Me service fees are assessed at execution and may reflect anticipated operational, network, or asset conversion costs. Service fees are not subject to later adjustment due to market fluctuations, claim timing, cancellation, or refund events.
At the time a transaction is executed on-chain, the Digital Asset amount corresponding to the displayed USD reference (based on prevailing market rates at execution) is transferred to the applicable Smart Contract or Recipient Wallet. ExpressPay2Me service fees and applicable network fees are deducted at execution. Final USD value received by a Recipient may vary due to asset price fluctuations between initiation, execution, and claim.
The Service may interact with third-party Wallets, blockchain networks, protocols, or infrastructure providers. ExpressPay2Me is not responsible for the availability, security, or performance of third-party services.
ExpressPay2Me supports interaction with certain third-party Wallet applications, including:
Users are solely responsible for installing, maintaining, and properly configuring their chosen Wallet. ExpressPay2Me does not control, operate, or guarantee the functionality of any third-party Wallet software.
For XRP Ledger (XRPL) transactions, Recipient Wallets must be activated in accordance with XRPL protocol rules. The XRPL requires a minimum reserve balance (generally 10–12 XRP, subject to protocol changes) to activate and maintain a Wallet address. Transactions sent to unactivated XRPL Wallets may fail or may not be claimable until activation requirements are satisfied.
ExpressPay2Me is not responsible for failed, delayed, or unclaimable transactions resulting from an unactivated Wallet, insufficient reserve balance, Wallet misconfiguration, incompatible network selection, or unsupported asset.
The Service is provided “as is” and “as available.” ExpressPay2Me makes no guarantees regarding uptime, speed, availability, or error-free operation.
To the maximum extent permitted by law, ExpressPay2Me is not liable for:
Your sole remedy is discontinuation of use.
All software, interfaces, branding, and content associated with ExpressPay2Me are the property of Omnimark Enterprises LLC or its licensors. No ownership rights are transferred to users.
ExpressPay2Me may comply with lawful requests, orders, or directives from United States or foreign governmental, regulatory, or law enforcement authorities where required by applicable law.
These Terms may be updated from time to time. Material changes will be reflected by an updated “Last Updated” date. Continued use of the Service after changes become effective constitutes acceptance.
These Terms shall be governed by applicable United States federal law and, where applicable, the laws of the state in which ExpressPay2Me is organized, without regard to conflict-of-law principles.
Any dispute arising from or relating to these Terms or the Service shall be resolved through binding arbitration, except where prohibited by law.
If any provision is held unenforceable, the remaining provisions shall remain in full force and effect.
These Terms constitute the entire agreement between you and ExpressPay2Me regarding use of the Service and supersede all prior agreements or understandings.