Fast Track Pathway Terms of Service

1. About These Terms

These Terms of Service apply when you access or use the Fast Track Pathway website, business management platform, virtual accounts, fiat collections and payments, currency conversion, stablecoin settlement, FTP Card, Bill Payments, APIs, and other related products and services.

By registering for an account, submitting an application, or using any service, you acknowledge that you have read and understood these Terms and agree to be bound by them.

If you use the services on behalf of a business, you confirm that you are duly authorized by that business and have authority to accept these Terms on its behalf.

2. Scope of Services

Fast Track Pathway provides global payment and funds management technology services to businesses, including:

• Business virtual accounts
• Local and cross-border fiat collections
• Fiat payments and fund transfers
• Fiat and stablecoin conversion
• Stablecoin settlement and wallet transfers
• Multi-currency funds management
• FTP Card business card services
• Bill Payments
• Transaction reconciliation, reporting, and notifications
• Identity and business verification (KYC/KYB), sanctions screening, AML controls, and transaction monitoring
• APIs and embedded finance functionality

The services, currencies, countries, payment networks, transaction limits, and processing times actually available to you depend on your location, business type, compliance review results, and the scope of services available from our partner providers.

3. Third-Party Service Providers

Some services may be provided by partner banks, payment institutions, card issuers, stablecoin service providers, wallet infrastructure providers, identity verification providers, or other third parties.

Fast Track Pathway provides a consolidated view of relevant accounts, transactions, balances, and service statuses, but the final execution, settlement, or custody of some transactions may be carried out by the applicable third party.

Third parties may process, delay, reject, or restrict transactions in accordance with their own regulatory requirements, terms of service, risk policies, and operating rules.

4. Account Applications and Verification

You must provide complete, truthful, accurate, and current personal and business information, including:

• Company registration information
• Information about directors and authorized representatives
• Ultimate beneficial owner information
• Proof of identity and address
• The nature of your business and purpose of transactions
• Anticipated transaction volume
• Source of funds and source of wealth
• Other information we reasonably request

We may request additional information, reverify identities, or require updated business information during account opening or at any time while the services are provided.

Failure to provide requested information may result in delayed applications, suspended transactions, restricted functionality, or account closure.

5. Virtual Accounts

Approved customers may receive one or more virtual accounts for receiving payments in designated currencies through designated payment networks.

Virtual accounts:

• May be used only by the approved business and for approved business purposes
• May not be sold, rented, transferred, or made available to an unauthorized third party
• May not be used for transactions inconsistent with the business you have declared
• Must be used only for the designated currencies, regions, and payment networks
• May be subject to per-transaction, daily, or monthly limits

If payment details, currency, payment purpose, or payer information do not meet applicable requirements, the payment may be delayed, returned, or referred for manual review.

6. Transactions and Settlement

Transaction statuses displayed on the platform may include pending, under review, completed, rejected, returned, canceled, or other statuses.

A transaction is final only after a partner service provider confirms its completion. A pending balance does not represent completed settlement or funds that are immediately available for use.

Transactions may be delayed due to:

• Bank or payment network processing times
• Identity and business verification (KYC/KYB), sanctions screening, AML controls, and transaction monitoring
• Incomplete payer information
• Matches against sanctions or high-risk lists
• Blockchain network congestion
• Liquidity or currency conversion restrictions
• Third-party service interruptions
• Legal or regulatory requirements

7. Exchange Rates and Fees

Before a transaction is executed, we may display the applicable exchange rate, service fee, payment network fee, bank fee, blockchain network fee, or other charges.

The final amount credited may differ due to exchange-rate movements, deductions by intermediary banks, receiving-bank fees, or blockchain network fees.

Unless otherwise required by law, service fees incurred for completed transactions are generally non-refundable.

8. Account Restrictions and Closure

We may delay transactions, restrict functionality, freeze an account, or terminate services if:

• You provide false, incomplete, or outdated information
• Fraud, money laundering, or other unlawful activity is involved
• Sanctions or regulatory requirements are violated
• There is a risk of unauthorized access to the account
• Transactions are materially inconsistent with the business you have declared
• You fail to provide additional information when requested
• A partner service provider requires services to be restricted
• You violate these Terms or another platform policy

We may be unable to provide a complete explanation if the law, a regulator, or a partner service provider prohibits us from disclosing the specific reason.

9. Not Banking or Investment Services

Unless expressly stated otherwise in documentation for a specific service, Fast Track Pathway is not a bank, does not accept bank deposits in the traditional sense, and does not provide investment management, securities trading, legal, tax, or investment advice.

Stablecoin and digital asset services supported by the platform are primarily intended for payments, conversions, and settlements and do not constitute any guarantee of return, price, or value.

10. Contact Information

For legal and Terms of Service inquiries:

Legal entity

Fast Track Pathway LLC

Registered address

30 N Gould St, Ste R, Sheridan, WY 82801, United States

Email

ftppay@fasttrackpathway.io