Terms of Service.
These terms govern your use of instiXFX. By opening an account you agree to them. A full customer agreement is provided in-app before account activation.
Eligibility
Accounts are opened only for individuals and businesses that pass identity verification, are resident in a supported jurisdiction, and are not subject to sanctions or a prohibited-persons list.
Your account
You are responsible for keeping your login credentials, device and email inbox secure. Notify us immediately at support@instixfx.io if you suspect unauthorised access.
Funding by card
Top-ups are captured through PCI-DSS hosted fields and authenticated with 3DS2. Only cards in the account holder's own name are accepted. Prepaid, virtual and gift cards are not accepted.
FX conversions
Every conversion is executed at the rate quoted at the moment you confirm. Once locked, the rate cannot be requoted — the funds settle at the confirmed rate.
Withdrawals
Withdrawals settle only to a bank account held in your own verified name. Third-party, exchange and OTC destinations are refused. SEPA typically settles same day within EU business hours; SWIFT typically settles within 1–3 business days.
Prohibited use
No use of instiXFX to launder money, evade sanctions, fund terrorism, or transact in crypto or with unregulated OTC counterparties. Breach terminates the account and, where required, is reported to authorities.
Liability
instiXFX is liable for direct losses caused by our failure to execute a valid instruction. We are not liable for consequential loss, or for losses caused by inaccurate information you provided, force majeure, or the actions of third-party banks and card networks.
Changes to these terms
We may change these terms with reasonable notice by email and in-app. Continuing to use the service after the effective date constitutes acceptance.
Governing law
These terms are governed by the laws of England & Wales, without prejudice to any mandatory consumer-protection rights in your country of residence.