Terms of Service

1. What XRaydium is

XRaydium is a fiat monetization platform. Creators list digital products and paid memberships and sell them to their own audience at a set price in ordinary currency, paid by card through Stripe.

XRaydium is not an investment product, a token, a coin, a wallet, an exchange, or a yield product. Nothing bought or sold here is expected to grow in value. The “crypto” niche on the platform refers to creators who make crypto content — not to any asset issued by XRaydium.

2. The creator–fan relationship

When a fan buys a product or joins a membership, the contract for that item is between the fan and the creator. XRaydium provides the storefront and the payment rail; it is not the seller of the creator’s work and does not warrant the content of any listing.

Payments are routed to the creator’s own connected Stripe account using Stripe Connect destination charges. XRaydium never holds creator funds. A creator who has not connected a Stripe account cannot be paid out until they do.

3. Acceptable use

• No illegal goods or services, no content you do not have the right to sell, and no infringement of anyone else’s rights.
• No misleading financial promotions. If you sell in a regulated niche — crypto, finance, health — your claims are your responsibility, and XRaydium attaches a niche-appropriate risk disclosure to your listings.
• Creators are responsible for delivering what they list, on the terms they described, and for the accuracy of their own claims.
• No use of the platform to offer investments, tokens, yield, or anything presented as likely to increase in value.

4. Fees

There is no charge to claim a handle or open a storefront. A platform fee applies per sale, alongside the standard Stripe processing fee on the transaction. Fees can change, and the current rate is always shown in your dashboard before you list — see /pricing for how the fee model works.

5. Refunds and cancellation

Refunds, membership cancellation, and the EU/UK statutory right of withdrawal for digital content are covered in full on the refunds & withdrawal rights page, which forms part of these terms.

6. Accounts and termination

You may stop using XRaydium at any time. We may suspend or close a storefront that breaks the acceptable-use rules above, that we are legally required to remove, or that exposes the platform or its payment provider to unacceptable risk. Where it is reasonable to do so, we will say why. Sales already completed are unaffected by a closure; outstanding payouts continue to settle through Stripe.

7. Liability, in plain terms

The platform is provided as it is. XRaydium does not promise that any creator will earn anything — what you earn depends on your own work and audience. To the extent the law allows, XRaydium is not liable for indirect or consequential losses, for a creator’s failure to deliver what they listed, or for outages at Stripe or another provider we depend on. Nothing here limits liability that cannot be limited by law, including your statutory consumer rights.