# Introduction

Welcome to Mass documentation!

Mass is a new-generation financial app powered by blockchain technology.<br>

Building Mass on top of blockchains allows users to access 24/7 markets, trade without KYC, move money freely, and maintain full ownership of their funds through self-custody.

Mass brings together a wide range of financial products in a single app, including neobanking features, cryptocurrency trading, perpetual futures, prediction markets, and  stocks.

> "Until now, blockchain apps have been built almost exclusively for crypto users. But blockchains enable an entirely new financial paradigm that everyone can benefit from.<br>
>
> I’m building Mass to make that paradigm accessible to everyone - not just crypto natives.<br>
>
> Finance has evolved. It’s faster, more open, self-custodial, and always on. Our mission is to bring this new generation of finance to the world."


# Download links &  X link

Apple Store :apple: - [**https://apps.apple.com/app/id6465992490**](https://apps.apple.com/app/id6465992490)

Android :robot: - [**https://play.google.com/store/apps/details?id=money.mass.app**](https://play.google.com/store/apps/details?id=money.mass.app)

X :bird: - [**https://twitter.com/massdotmoney**](https://twitter.com/massdotmoney)


# Getting started

Just landed on the Mass App and want to get straight to trading? This section will show you exactly what you need to know to get started.

{% content-ref url="/pages/0TdR17pStujonRlnEeue" %}
[Sign up](/general/getting-started/sign-up)
{% endcontent-ref %}

{% content-ref url="/pages/ATpUU6rmHcLkixG49w9H" %}
[Fund your Mass account](/general/getting-started/fund-your-mass-account)
{% endcontent-ref %}

{% hint style="info" %}
Note: When reading the documentation, it’s important to differentiate between your wallet and your Mass account.

While both are self-custodial, your Mass account is owned by your wallet. This means that if someone gains access to your wallet, they can also access your smart account.&#x20;

You must deposit funds into your Mass account to start using the application, having funds in your wallet won't be enough!&#x20;
{% endhint %}


# Sign up

You can sign up using various methods:

1. Google Account *(highly recommended for beginners)*
2. Apple ID *(highly recommended for beginners)*
3. Importing a private key or seed phrase
4. Generating a new seed phrase

Both Apple and Google sign-in options are securely powered by [Privy](https://www.privy.io/).

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/onboarding.mp4>" %}


# Fund your Mass account

{% hint style="info" %}
Mass has four accounts—Crypto, Stocks, Perps, and Predict—each powered by its own cash balance.<br>

Whenever you add or withdraw funds on Mass, the transaction is processed through one of these cash balances.&#x20;
{% endhint %}

You can fund your Mass account from three different places:

* Home screen: Tap the large Add button to top up one of your cash balances.
* Cash balance: Tap "Add" on any cash balance.
* [Cash tab](/general/cash-tab): Add Funds.

#### Funding methods

You can top up your Mass cash balances using:

* Fiat (bank transfer, card, or other available methods depending on your region)

{% content-ref url="/pages/u1cPyGag5EzbwMmbQZ9G" %}
[Top up your cash balances with fiat](/general/getting-started/fund-your-mass-account/top-up-your-cash-balances-with-fiat)
{% endcontent-ref %}

* Stablecoins (USDC/USDT on supported networks)

{% content-ref url="/pages/ouBNXfXPwh7iyYV7caD5" %}
[Top up your cash balances with stablecoins](/general/getting-started/fund-your-mass-account/top-up-your-cash-balances-with-stablecoins)
{% endcontent-ref %}

#### Transfer between your accounts

From your cash balances, you can also select Transfer to move funds between your different Mass accounts instantly. This lets you reallocate your balances without depositing new funds.

{% content-ref url="/pages/UaPESkGkAH4Z1kWfRRdJ" %}
[Transfer funds between your cash balances](/general/getting-started/fund-your-mass-account/transfer-funds-between-your-cash-balances)
{% endcontent-ref %}


# Top up your cash balances with fiat

{% hint style="info" %}
KYC is required if you want to fund your Mass accounts with fiat or withdraw fiat from Mass. If you choose not to complete KYC, all other features remain fully accessible.&#x20;

While cash balances are displayed in USD using a custom Mass icon, the underlying assets are:

* USDC for Crypto, Perps, and Stocks accounts.
* pUSD for Predict accounts (the native stablecoin used by Polymarket).
  {% endhint %}

***

[Iron](https://iron.xyz/) - Acquired by Moonpay

* Available fiat currencies:  :flag\_eu: EUR  & :flag\_us: USD
* Fees:
  * Iron's fee: 0.4%&#x20;
  * Banking fee:&#x20;
    * SEPA: 0.20 EUR
    * ACH: 0.50 USD
    * Wire: 25 USD
    * SWIFT: 25 USD.
    * RTP: 1 USD.&#x20;
* Daily limits: no.
* Virtual accounts: yes.
* Payment methods: SEPA, SEPA Instant, ACH, Wire.

Each virtual account is opened in your name. For example, if your name is Paul Joe, the account will be registered under Paul Joe, allowing you to send funds from your personal bank account to yourself to top up your cash balances.

Send EUR or USD from your personal bank account to your dedicated virtual account, and the funds will be credited to the Mass cash balance of your choice.

{% hint style="info" %}
In most cases, your virtual account details can also be used to receive payments from third parties. If third-party payments are not supported for your account, this will be clearly indicated in the app.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/bank_account.mp4>" %}
Depositing fiat directly from your cash tab or cash balances
{% endembed %}


# Top up your cash balances with stablecoins

Deposit funds from an external account, such as Binance, Bybit, MetaMask, Revolut, or any other platform enabling USDT/USDC transfers.

Chains are abstracted on Mass. You can select multiple networks, but all funds will automatically be consolidated into a single balance.&#x20;

The only thing to watch out for is the destination account: Crypto, Perps, Stocks, or Predict.

{% hint style="info" %}
While cash balances are displayed in USD using a custom Mass icon, the underlying assets are:

* USDC for Crypto, Perps, and Stocks accounts.
* pUSD for Predict accounts (the native stablecoin used by Polymarket).

If you send USDT, it will be automatically converted to USDC for your Crypto, Stocks, and Perps accounts, or to pUSD for your Predict account.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/universal_address.mp4>" %}


# Transfer funds between your cash balances

You can transfer funds between any of your Mass cash balances at any time.&#x20;

Move funds from Perps to Crypto, Predict, Stocks, or any other account in a single tap.

To access this option, open a cash balance and tap Add or Withdraw.

* If you tap Withdraw, the selected cash balance will be preselected as the source account.
* If you tap Add, the selected cash balance will be preselected as the destination account.

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/transfer.mp4>" %}


# Crypto

Mass offers several features within its Crypto account, including:

* [Swapping one crypto asset for another](/general/crypto/swap)
* [Depositing crypto into your Crypto account](/general/crypto/deposit)
* [Sending crypto from your Crypto account to an external wallet or exchange](/general/crypto/send)

Learn more regarding the chains we support below:&#x20;

{% content-ref url="/pages/duRWe39rMN3RITiskUXd" %}
[Supported networks](/general/crypto/supported-networks)
{% endcontent-ref %}


# Swap

Swap 10,000+ cryptocurrencies and memecoins directly from Mass.

When you make a swap, Mass automatically finds the best available route for your trade. We aggregate liquidity across multiple providers to help you get the best execution, including Odos, Velora, Bungee, Relay, Mayan, and Circle CCTP.

You can swap any supported cryptocurrency for another, or simply swap between your Crypto Cash Balance and any supported crypto asset.

<figure><img src="/files/R0d3OxFYlJtByVXrYfde" alt=""><figcaption></figcaption></figure>

#### Bitcoin Support

Mass currently supports Wrapped Bitcoin ([WBTC](https://www.wbtc.network/)) rather than native Bitcoin (BTC).

WBTC is designed to track the price of Bitcoin on a 1:1 basis, with each WBTC backed by one BTC held in custody. This allows you to use Bitcoin across supported blockchain ecosystems while maintaining exposure to BTC.

#### Supported Networks

You can currently swap tokens on the following networks:

* Ethereum
* Solana
* Arbitrum One
* Base
* Optimism
* Polygon
* BNB Smart Chain
* Avalanche

We're continuously expanding support for additional networks and assets.


# Deposit

You can deposit any supported cryptocurrency to Mass from any supported network.

Each asset has a preferred network, which we recommend using for the fastest and smoothest experience.

If you deposit an asset on a different network among the list of [Supported networks](/general/crypto/supported-networks), don't worry, you'll be able to migrate it to the preferred network directly within the app.&#x20;

{% hint style="danger" %}
If you deposit an asset on a network that Mass does not support, the funds may be permanently lost and cannot be recovered.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/crypto_deposit.mp4>" %}


# Send

You can send a supported crypto asset to any blockchain network on which that asset is available.

If you send an asset to a different network than the one it is currently stored on, a small bridging fee will apply.

To make future transfers easier, you can save frequently used wallets in your Address Book. You can also scan a wallet's QR code, and the address will be automatically filled into the destination field.

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/send_crypto.mp4>" %}


# Supported networks

We currently support crypto deposits and swaps on the following networks:

* Ethereum
* Solana
* Arbitrum One
* Base
* Optimism
* Polygon
* BNB Smart Chain
* Avalanche

We're continuously expanding support for additional networks and assets.


# Perps

Trade perpetual futures on 270+ markets, directly from your phone.

Mass Perps is powered by Hyperliquid, the leading decentralized perpetuals exchange. That means you get the exact same trading conditions as on Hyperliquid: the same markets, liquidity, execution, and up to 50× leverage.

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Perps_Intro%20.mp4>" %}

Trade across six asset classes:

* Crypto (BTC, ETH, SOL, HYPE, and more)
* Stocks
* Commodities
* Indices
* ETFs
* Currencies

Everything runs in self-custody. Your keys, your funds. No KYC.

\
Ready to trade? [Fund your Mass account](/general/getting-started/fund-your-mass-account)<br>

To start leverage trading, you can:

1. [Open a market order to go short or long on an asset.](/general/perps/market-order-short-long)
2. [Open a limit order to go short or long on an asset.](/general/perps/limit-order-short-long)

Once your order has been filled, you can:

• [Add margin to your position.](/general/perps/add-or-remove-margin)

• [Remove margin from your position.](broken://pages/RUckO1upGW2uvrAvSbmt)

• [Adjust the leverage, i.e., decrease or increase your position size.](/general/perps/adjust-leverage-size)

• [Replace the entire position, i.e, switch the side, add/remove margin, and adjust the leverage.](/general/perps/replace-position)

• [Edit your take-profit (TP) or stop-loss (SL) orders.](/general/perps/edit-tp-sl)

• [Fully or partially close your order.](/general/perps/close-your-position)

If your limit order hasn’t been filled yet, [you can cancel it](/general/perps/cancel-or-replace-a-limit-order).


# Market order: short/long

A market order executes immediately at the best available price. It's the fastest way to open a position.

1. Tap Long or Short
2. Select Market as the order type
3. Set your position size
4. Adjust your leverage with the slider
5. [Set your take-profit and stop-loss](/general/perps/market-order-short-long#take-profit-stop-loss) (Recommended)
6. Confirm. Your position is live

There are two mandatory field there to open a position:&#x20;

* Your margin in USDC
* Your leverage&#x20;

{% hint style="info" %}

* Market orders fill instantly but can experience slippage on less liquid markets. For precise entries, use a limit order.
* The minimum position size (leverage x margin) must be $10.
  {% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/market-long.mp4>" %}

***

#### Take profit / Stop loss

An optional field appears at the bottom of the form. By clicking “Add,” you can include take-profit and stop-loss orders to your position.&#x20;

A take-profit or stop-loss order will automatically close your position when the underlying asset reaches a specific price.

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/set_tp_sl.mp4>" %}

{% hint style="info" %}
When opening a long position, your SL order cannot be set at a price lower than your estimated liquidation price. Similarly, when opening a short position, it cannot be set at a price higher than your estimated liquidation price.
{% endhint %}

{% hint style="info" %}
You can always edit your TP/SL after the position is open. You can learn more about it [there](/general/perps/edit-tp-sl).&#x20;
{% endhint %}


# Add or remove margin

Steps:

1. Tap your open position.
2. Tap the menu in the bottom-left corner.
3. Tap Adjust Margin.
4. Enter the amount of USDC you want to add / remove.
5. Confirm.&#x20;

Your liquidation price will update in real time.

{% hint style="success" %}
Adding margin lowers your effective leverage and moves your liquidation price further away.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Adust_Margin%20.mp4>" %}


# Adjust leverage/size

You can always adjust your leverage / size of a trade.&#x20;

Lower leverage reduces your risk, while higher leverage increases it.

In other words, higher leverage brings the liquidation price closer to the index price, whereas lower leverage moves the liquidation price further away from the index price.

Steps:

1. Tap your open position.
2. Tap the menu at the bottom left
3. Tap Adjust Leverage.
4. Move the slider up or down.
5. Confirm.&#x20;

Position size and liquidation price update instantly.

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Adjust_Leverage.mp4>" %}

{% hint style="info" %}
When adjusting your leverage / size, your margin stays the same, meaning you're risking / derisiking your position.&#x20;
{% endhint %}

{% hint style="danger" %}
This feature doesn’t exist on Hyperliquid — we built it from scratch. To reproduce it there, you would need to close your position and reopen a new one. If that’s required, a message will be displayed informing you that your current position will be closed and a new one opened. This also means you’ll pay fees twice and your PnL will be reset.
{% endhint %}


# Replace position

Replace lets you restructure an entire position in one action: switch side, resize, adjust margin and leverage.

Steps:

1. Tap your open position.
2. Tap the menu at the bottom left
3. Tap Replace position.
4. Configure the new position: side, size, margin, leverage.
5. Confirm. The old position closes and the new one opens in a single transaction.

{% hint style="success" %}
Faster and cheaper than closing manually and re-opening, especially when the market moves fast.
{% endhint %}

{% hint style="danger" %}
This feature doesn’t exist on Hyperliquid — we built it from scratch. To reproduce it there, you would need to close your position and reopen a new one. If that’s required, a message will be displayed informing you that your current position will be closed and a new one opened. This also means you’ll pay fees twice and your PnL will be reset.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Replace_Position.mp4>" %}


# Edit TP/SL

You can edit your TP/SL order.&#x20;

TP/SL are very useful for avoiding liquidations or securing profits while you’re away from the charts!

{% hint style="info" %}

* Use keyboard shortcuts to set up your orders and express them as a percentage of the market price.
* When editing a long position, your SL order cannot be set at a price lower than your estimated liquidation price. Similarly, when editing a short position, it cannot be set at a price higher than your estimated liquidation price.
  {% endhint %}

{% hint style="danger" %}
TP/SL orders also have a slippage tolerance you can set:

* For a long position, your TP may be executed up to x% above the price you set, and your SL up to x% below it.
* For a short position, your TP may be executed up to x% below the price you set, and your SL up to x% above it.
  {% endhint %}

In the example below, we're adding a TP and a SL to a short BTC position:

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/set_tp_sl.mp4>" %}


# Close your position

Close all of your position, or just a part of it.

Steps:

1. Tap your open position.
2. Tap Close.
3. Choose full close, or set the percentage for a partial close.
4. Confirm.&#x20;

{% hint style="info" %}

* Realized PnL settles in your Perps cash balance immediately.
* You can close all your positions by tapping the close all button on the main page of the perps account.&#x20;
  {% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Close_market.mp4>" %}


# Limit order: short/long

A limit order lets you choose your entry price. It only executes if the market reaches that price.

Steps:

1. Choose a market and tap Long or Short.
2. Select Limit as the order type.
3. Enter your target entry price.
4. Set your position size and leverage.
5. Confirm.&#x20;

Your order rests in Open Orders until filled.

There are three mandatory fields when setting up a limit order:&#x20;

1. The limit price - the price at which you wish your order to be filled.
2. The margin.
3. The leverage.

{% hint style="info" %}
When shorting, you cannot set a price higher than the current price, and when longing, you cannot set a price lower than the current price.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/set_limit.mp4>" %}


# Cancel or replace a limit order

A limit order that hasn't filled can be cancelled at any time, free of charge.

Steps:

1. Go to Orders.
2. Find the order you want to remove.
3. Tap Cancel. Margin reserved for the order is released instantly.

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Cancel_an_order.mp4>" %}


# Share a PnL card

### Sharing a PnL of an open position

Simply click on the position, then tap the share icon at the bottom of the page.

Steps:

1. Tap your position.
2. Tap the Share button on the top right of the screen.
3. Toggle % display to show performance without revealing your size.
4. Export and post.

{% hint style="info" %}
&#x20;You choose to display it in % or $, it’s up to you.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/PnL_Cards.mp4>" %}

### Sharing a PnL of a closed position

Simply click on the history, then on the order closing your trade, and then tap the share icon.&#x20;


# Stocks

Mass enables users to buy and sell a variety of tokenized stocks and ETFs through a seamless integration with [XStocks](https://xstocks.fi/), acquired by Kraken.&#x20;

Why xStocks instead of a broker:

* No account opening, no paperwork, no market-hours-only access.
* Self-custody: tokenized stocks sit in your wallet, not in a broker's ledger.
* Buy in seconds.
* No-KYC.
* 24/5 trading availability.
* Physically backed.
* Bankruptcy remote protected.

Key points :

* Dividends: auto-reinvested via token rebasing.
* Stock splits: your token balance adjusts automatically to reflect the split.&#x20;

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/xStocks_Overview.mp4>" %}


# Buy an xStock

#### Market orders

Buying an xStock works like any swap: pick the stock, set your amount in USD, confirm.

Steps:

1. Open the Stocks account.
2. Choose the stock you want - search or browse the list.
3. Tap Buy and enter your amount in USD.
4. Review the quote: price, amount of tokens received.
5. Confirm.&#x20;

The shares land in your Stocks account within seconds.

{% hint style="info" %}
You can buy fractions of shares.&#x20;

No need to afford a full share: $10 of NVDAx is a valid position.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Buy_an_xstock.mp4>" %}

#### Limit orders

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Limit_Buy.mp4>" %}


# Sell an xStock

#### Market orders

Selling converts your tokens back to USD at the current market price.

Steps:

1. Tap your Stocks account.
2. Tap Sell.
3. Enter the amount, or sell a percentage of the position.
4. Review the quote and confirm.&#x20;

USDC settles in your Stock balance immediately.

{% hint style="info" %}
Partial sells work exactly like partial buys.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Sell_Stocks.mp4>" %}

#### Limit orders

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Limit_Sell.mp4>" %}


# Predict

Bet on real-world events, directly from your phone.

Our Predict account is powered by Polymarket, the world’s largest prediction market.&#x20;

From politics and sports to crypto, macro, and culture, if the world is watching it, there’s a market for it.

You get the full Polymarket experience: the same markets, the same order book, the same liquidity, and the same execution.

Everything runs in self-custody. Your keys, your funds. No KYC.

Ready to bet? [Fund your Mass account](/general/getting-started/fund-your-mass-account)

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Browse.mp4>" %}


# Read a market: prices, odds and payouts

Understanding one screen unlocks every market on Predict.\
What you're looking at:

* Yes price / No price: what one share costs. Prices always sum to $1.
* Probability: the Yes price, read as a percentage. It moves in real time with the order flow.
* Payout: every winning share redeems for exactly $1 at resolution. Buy Yes at $0.30, be right, collect $1: that's a 3.3x.
* Resolution date: when the market settles. Some markets can resolve early if the outcome becomes certain.
* Volume: how much has traded. Higher volume means tighter spreads and easier exits.

{% hint style="info" %}
You don't have to hold until resolution. Prices move constantly, and you can sell your shares at any time to lock in a profit or cut a loss.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Read_Market.mp4>" %}


# Bet

Buying shares takes three taps: pick a side, set an amount, confirm.

Steps:

1. Choose a market and tap Yes or No.
2. Enter the amount of USDC you want to put on it.
3. Check your potential payout, displayed before you confirm.
4. Confirm.&#x20;

Your shares are live and your position appears in your portfolio.

{% hint style="info" %}
Your maximum loss is always what you paid, nothing more.&#x20;
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Bet.mp4>" %}


# Place a limit order

A limit order lets you choose the price you want to enter at, instead of taking the current market price. Your order will only be executed if the market reaches your specified price.

Steps:

1. Choose a market and tap Yes or No.
2. Select Limit as the order type.
3. Enter your target price per share.
4. Set the number of shares.
5. Confirm.&#x20;

Your order stays as an open order in the orders tab until filled.

{% hint style="info" %}
A limit order is not guaranteed to fill. If the price never reaches your level, it stays open until you cancel it - free of charge, margin released instantly.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Limit_orders.mp4>" %}


# Exit an ongoing bet

You can exit any position at the current market price, at any time, without waiting for the event to settle.

Steps:

1. Tap your open position.
2. Tap Sell.
3. Choose max sell, or set the amount for a partial exit.
4. Confirm.&#x20;

Proceeds settle in your Predict cash balance immediately.

{% hint style="info" %}
Partial sells let you take profits while keeping exposure to the market. A common strategy is to sell enough to recover your initial investment, then let the rest ride.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Sell_shares.mp4>" %}


# Claim your gains

When a market resolves, winning shares redeem for $1 each. Losing shares expire at $0.

Steps:

1. Wait for the market to resolve (date and source are shown on every market page).
2. Click on the banner showing your gains
3. Tap the claim button
4. Your winnings land in your Predict balance in USDC.

{% hint style="info" %}
Resolution follows the rules written on each market page, verified by Polymarket's resolution process - [UMA](https://uma.xyz/) oracle.&#x20;

If an outcome is disputed, settlement can take a bit longer. Always read the resolution criteria before entering: the fine print IS the trade.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/claim.mp4>" %}


# Share a PnL card

Every position comes with a built-in share card.

Steps:

1. Tap your position.
2. Tap the Share button on the top right of the screen.
3. Toggle % display to show performance without revealing your size.
4. Export and post.

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/PnL_Predict.mp4>" %}


# Read your position

Everything on your position card, explained:

* Value: shares × current price, what you'd get if you sold now.
* Shares: how many $1-payout tickets you hold.
* Side: Yes or No, the outcome you own.
* Avg price: your average cost per share.
* Unrealized PnL: current value minus what you paid.
* Current price: what your shares trade at right now.
* Payout: your total payout if the market resolves your way.
* Rules: You can rewatch the rules by simply going back to your position scoll the screen and then unroll to see it.

{% hint style="info" %}
A position deep in the green before resolution is a choice, not a certainty. Selling at $0.95 locks 95% of the payout with zero event risk.&#x20;

Plenty of "sure things" have died at the finish line.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/Understand_Predict.mp4>" %}


# Sending funds&#x20;

If you want to send funds out of Mass, you have two options:

{% content-ref url="/pages/kybGroMwuQayQSzgX30W" %}
[Cash out / Pay someone](/general/sending-funds/cash-out-pay-someone)
{% endcontent-ref %}

{% content-ref url="/pages/7vFvUKOJRK0pJTSTLkMX" %}
[Send USDC on-chain](/general/sending-funds/send-usdc-on-chain)
{% endcontent-ref %}


# Cash out / Pay someone

{% hint style="info" %}
KYC is required if you want to sell crypto for fiat. If you choose not to complete KYC, all features will remain accessible except buying or selling crypto for fiat.<br>

Some other features also require KYC, such as accessing stocks and buyqad crypto for fiat. Once you complete KYC with Mass, you unlock all these features at once — no need to complete separate KYC processes for each one.
{% endhint %}

[Iron](https://iron.xyz/) - Acquired by Moonpay

* Available fiat currencies:  :flag\_eu: EUR  &  :flag\_us: USD
* Fees:
  * Iron's fee: 0.4%&#x20;
  * Banking fee:&#x20;
    * SEPA: 0.20 EUR
    * ACH: 0.50 USD
    * Wire: 25 USD
    * SWIFT: coming soon.
    * RTP: coming soon.&#x20;
* Daily limits: no.
* Payment methods: SEPA, SEPA Instant, ACH, Wire.

{% hint style="info" %}
In most cases, you cela also send payments to third parties. If third-party payments are not supported for your account, this will be clearly indicated in the app.
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/off-ramp.mp4>" %}


# Send USDC on-chain

You can send USDC to anyone directly from Mass.

Past or scan a new address, reuse one you’ve already saved in your contact list!

{% hint style="info" %}
USDC can be sent on 10+ supported networks.

A small fee may apply when sending USDC to a network different from its native network for the selected cash balance:

* Crypto Cash Balance: Arbitrum
* Perps Cash Balance: Arbitrum
* Stocks Cash Balance: Ink
* Predict Cash Balance: Polygon
  {% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/SEND.mp4>" %}


# Cash tab

From the cash tab, you can:

#### Add money (KYC required)

* Send a bank transfer from your bank account to your Mass virtual account.
* Get paid and receive money directly into one of your cash balances.

{% hint style="info" %}
In most cases, your virtual account details can also be used to receive payments from third parties. If third-party payments are not supported for your account, this will be clearly indicated in the app.
{% endhint %}

#### Cash out (KYC required)

* Send money from your cash balances to your bank account.
* Pay another person directly using funds from your cash balances.

**You can also use quick send shortcuts to pay someone in one tap.**&#x20;

{% hint style="info" %}
In most cases, you cela also send payments to third parties. If third-party payments are not supported for your account, this will be clearly indicated in the app.
{% endhint %}

#### Gift Cards (No KYC)

* Use funds from your cash balances to purchase gift cards from 1,000+ merchants.

#### Debit Card (KYC required — Coming soon)

* Spend directly from your cash balances anywhere Visa is accepted.

#### Hotels & Flights (No KYC — Coming soon)

* Book hotels and flights directly using funds from your cash balances.

<figure><img src="/files/dFXAG4WGnNW1yuu0rlXl" alt=""><figcaption></figcaption></figure>


# Fees

For now, and until the current [Liquidity mining](/liquidity-mining-and-referral-programs/liquidity-mining) program ends, every $1 in fees paid to Mass = 2 $MASS earned!

{% hint style="danger" %}
When calculating $MASS rewards, we only count the portion Mass actually earns - Mass fees.
{% endhint %}

<table><thead><tr><th width="139.265625" align="center">Operation name</th><th width="108.7109375" align="center">Account</th><th width="120.46875" valign="middle">Mass fees</th><th width="180.70703125">Protocol fees</th><th>Total fees</th></tr></thead><tbody><tr><td align="center">On-ramp</td><td align="center">All</td><td valign="middle">Free</td><td>0.40% + banking fees</td><td>0.40% + banking fees</td></tr><tr><td align="center">Off-ramp </td><td align="center">All</td><td valign="middle">Free</td><td>0.40% + banking fees</td><td>0.40% + banking fees</td></tr><tr><td align="center">Swap</td><td align="center">Crypto</td><td valign="middle">0.10%</td><td>0% - 0.30%</td><td>0.10% - 0.40%</td></tr><tr><td align="center">Market long / Strengthen</td><td align="center">Perps</td><td valign="middle">0.055% </td><td>0.0144% - 0.045%*</td><td>0.0694% - 0.1%</td></tr><tr><td align="center">Market short / Strengthen</td><td align="center">Perps</td><td valign="middle">0.055% </td><td>0.0144% - 0.045%*</td><td>0.0694% - 0.1%</td></tr><tr><td align="center">Limit long / Strengthen</td><td align="center">Perps</td><td valign="middle">0.085%</td><td>0% - 0.015%*</td><td>0.085% - 0.1%</td></tr><tr><td align="center">Limit short / Strengthen</td><td align="center">Perps</td><td valign="middle">0.085%</td><td>0% - 0.015%*</td><td>0.085% - 0.1%</td></tr><tr><td align="center">Replace position</td><td align="center">Perps</td><td valign="middle">0.055% </td><td>0.0144% - 0.045%*</td><td>0.0694% - 0.1%</td></tr><tr><td align="center">Adjust leverage</td><td align="center">Perps</td><td valign="middle">0.055% </td><td>0.0144% - 0.045%*</td><td>0.0694% - 0.1%</td></tr><tr><td align="center">Reverse side</td><td align="center">Perps</td><td valign="middle">0.055% </td><td>0.0144% - 0.045%*</td><td>0.0694% - 0.1%</td></tr><tr><td align="center">Close all</td><td align="center">Perps</td><td valign="middle">0.055% </td><td>0.0144% - 0.045%*</td><td>0.0694% - 0.1%</td></tr><tr><td align="center">Streghten (market)</td><td align="center">Perps</td><td valign="middle">0.055% </td><td>0.0144% - 0.045%*</td><td>0.0694% - 0.1%</td></tr><tr><td align="center">Strenghten (limit)</td><td align="center">Perps</td><td valign="middle">0.085%</td><td>0% - 0.015%*</td><td>0.085% - 0.1%</td></tr><tr><td align="center">Close (market)</td><td align="center">Perps</td><td valign="middle">0.055% </td><td>0.0144% - 0.045%*</td><td>0.0694% - 0.1%</td></tr><tr><td align="center">Close (limit)</td><td align="center">Perps</td><td valign="middle">0.085%</td><td>0% - 0.015%*</td><td>0.085% - 0.1%</td></tr><tr><td align="center">Market buy</td><td align="center">Stocks</td><td valign="middle">0.25%</td><td>0.25% + 0.2$</td><td>0.50% + 0.2$</td></tr><tr><td align="center">Market sell</td><td align="center">Stocks</td><td valign="middle">0.25%</td><td>0.25% + 0.2$</td><td>0.50% + 0.2$</td></tr><tr><td align="center">Limit buy</td><td align="center">Stocks</td><td valign="middle">0.40%</td><td>0.25% + 0.2$</td><td>0.65% + 0.2$</td></tr><tr><td align="center">Limit sell</td><td align="center">Stocks</td><td valign="middle">0.40%</td><td>0.25% + 0.2$ </td><td>0.65% + 0.2$</td></tr><tr><td align="center">All operations</td><td align="center">Predict</td><td valign="middle">C * p * 0.01% </td><td><a href="https://docs.polymarket.com/trading/fees">Doc</a></td><td></td></tr></tbody></table>

[\* Hyperliquid fees](https://hyperliquid.gitbook.io/hyperliquid-docs/trading/fees)


# Liquidity mining

The liquidity mining programs include many ways to earn $MASS:

1. [The Mass Wheel ](/liquidity-mining-and-referral-programs/liquidity-mining/the-mass-wheel)
2. [Quests](#quests)
3. [Fees](/general/fees)
4. [Socials](/liquidity-mining-and-referral-programs/liquidity-mining/socials)
5. [Referrals](/liquidity-mining-and-referral-programs/referral-links)

{% hint style="warning" %}
There is no confirmed airdrop. Don’t use the app for a potential airdrop. Use it because it’s genuinely useful in your daily life.&#x20;

If we don't do an airdrop, we will only refund fees/revenues coming from the Mass wheel as the only utility of this feature is to potentially win Mass tokens.&#x20;
{% endhint %}

{% embed url="<https://mass-assets.lon1.cdn.digitaloceanspaces.com/Documentation/liqduitiy_mining.mp4>" %}


# The Mass Wheel

You can spin a wheel and earn $MASS!

The more you pay, the higher your chances of winning a big prize.

For now, you can only play the wheel with funds coming from your Crypto account.&#x20;

<figure><img src="/files/GzNdYYeCbdUldlO2AoZx" alt=""><figcaption></figcaption></figure>


# Quests

There are three quests: two can be completed once, and one is permanent.

<figure><img src="/files/crK3h9Bpk40LoAj8FMNI" alt=""><figcaption></figcaption></figure>

### The onboarding quest (one-time quest)

To complete it you must:&#x20;

1. [Deposit](/general/getting-started/fund-your-mass-account) at least $100
2. Add a referrer
3. Paid at least $2.5 of fees

This quest will unlock 10 $MASS

### The Stocks quest (one-time quest)&#x20;

You must buy at least $500 of stocks.&#x20;

This quest will unlock 50 $MASS. &#x20;

### The loyalty quest (permanent quest)&#x20;

You must pay $10 in fees each week to receive a 10% bonus on your weekly rewards. This quest resets once a week!&#x20;

Example: If you earned 100 MASS over the past 7 days and paid $10+ of fees, you’ll receive an additional 10 MASS.


# Socials

{% hint style="warning" %}
First, you must link your X account here!&#x20;
{% endhint %}

### Submit a post

We’ll snapshot your post’s view count 7 days after you submit it.

You’ll earn 5 $MASS for every 200 views.

Example: If your post gets 50,000 views, you’ll get 1,250 $MASS!

<figure><img src="/files/BtexrTOyfNb4iySod5rr" alt=""><figcaption></figcaption></figure>

### Engage with Mass's posts

As soon as you like one of your posts, you earn 1 $MASS, and reposting it earns you 2 $MASS.

<figure><img src="/files/hfFkREYfqxCMhVXmtuTb" alt=""><figcaption></figcaption></figure>


# Referral links

You can invite friends and sharing your referral link directly from the app!&#x20;

As soon as your referees trade and pay fees, you earn a 50% $MASS bonus.

Example: If one of your referees pays $100 in fees, they earn 200 $MASS, and you earn 100 $MASS.

<figure><img src="/files/HPiwICVVtdhOiEOjecux" alt=""><figcaption></figcaption></figure>


# Audits & PR Reviews

## [TrailOfBits](https://www.trailofbits.com/) (2023)

{% hint style="success" %}
Trail of Bits, trusted by Coinbase, Microsoft, Chainlink, OpenZeppelin, and ConsenSys, delivers top-notch blockchain security audits, safeguarding major crypto platforms and enterprises worldwide.
{% endhint %}

### Audit (02/2023)

{% file src="/files/W2y8SSSKGGupLujFUJXt" %}

### PR reviews (06/2023)

{% file src="/files/eJO0iEthUQqkXFt4Q16g" %}

***

## [Pashov](https://www.pashov.net/) (2024)

{% hint style="success" %}
Pashov Audit Group, led by Krum Pashov, is a prominent Web3 security firm trusted by top blockchain projects such as Uniswap, Aave, LayerZero, 1inch, Ethena, Sushi, Pump.fun, Radiant, Gains Network, and TapiocaDAO.
{% endhint %}

### Audit (03/2024)

{% file src="/files/5Zs8eD7XcnS0i0k7souw" %}

### Pashov's thread about Mass (05/2024)

{% embed url="<https://x.com/pashovkrum/status/1793669681263566856>" %}


# Terms of Service

Before using Mass, you should approve [our own terms of service](/other/terms-of-service/mass-terms-of-service) and our [partners' ones](/other/terms-of-service/other-providers-terms-of-service)!&#x20;


# Mass - Terms of Service

Last modified: March 27th, 2025&#x20;

These Terms of Service (the “Agreement”) set forth the terms and conditions under which you may access and use the products provided by Nested Finance Ltd, a British Virgin Islands (BVI) company registered under number 2063944 (referred to herein as "Nested Finance Ltd", "Mass",  "Mass Money", "we", "our", or "us"). The Products shall include, but shall not necessarily be limited to our mobile wallet application (the "Mass Wallet", the "App", the "Interface") and any other products and services that link to this Agreement (together with the Interface, App, Mass Wallet, the “Products”). You must read this Agreement carefully as it governs your use of the Products. By accessing or using any of the Products, you signify that you have read, understand, and agree to be bound by this Agreement in its entirety. If you do not agree, you are not authorized to access or use any of our Products and should not use our Products.

To access or use any of our Products, you must be able to form a legally binding contract with us. Accordingly, you represent that you are at least the age of majority in your jurisdiction (e.g., 18 years old in the United States) and have the full right, power, and authority to enter into and comply with the terms and conditions of this Agreement on behalf of yourself and any company or legal entity for which you may access or use the Interface. If you are entering into this Agreement on behalf of an entity, you represent to us that you have the legal authority to bind such entity.

You further represent that you are not (a) the subject of economic or trade sanctions administered or enforced by any governmental authority or otherwise designated on any list of prohibited or restricted parties (including but not limited to the list maintained by the Office of Foreign Assets Control of the U.S. Department of the Treasury) or (b) a citizen, resident, or organized in a jurisdiction or territory that is the subject of comprehensive country-wide, territory-wide, or regional economic sanctions by the United States. Finally, you represent that your access and use of any of our Products will fully comply with all applicable laws and regulations, and that you will not access or use any of our Products to conduct, promote, or otherwise facilitate any illegal activity.

NOTICE: This Agreement contains important information, including a binding arbitration provision and a class action waiver, both of which impact your rights as to how disputes are resolved. Our Products are only available to you — and you should only access any of our Products — if you agree completely with these terms.

### 1. Our products

#### 1.1.1 The Mass Wallet&#x20;

The Mass Wallet allows you to (a) store digital assets; (b) interact with third party decentralized exchanges ("DEXs") and third party decentralized applications; (c) view addresses and information that are part of digital asset networks and broadcast transactions; (d) participate in DEX trades and associated DEX activity; and (e) perform any additional services that we may add to the Mass Wallet from time to time.

1.1.2 The Protocol

Including but not limited to Ethereum, the Protocol allows users to store, interact with other protocols, compile/decompile call data, or trade certain compatible digital assets (the "Mass protocol" or the "Protocol")&#x20;

The Protocol's code is available [there](https://github.com/orgs/MassDotMoney/repositories).

#### 1.2 Access through&#x20;

Third Party Partners We may make certain Products, including access to our APIs, liquidity services, and data, accessible or usable through interfaces, products or services provided by certain third party partners, such as exchanges and trading platforms (each a “Third Party Partners”).&#x20;

You agree that your use of the Products through an interface, product or service provided by one of our Third Party Partners is nonetheless still subject to the terms and conditions of this Agreement.

#### 1.3 Other Products&#x20;

We may from time to time in the future offer additional products, and such additional products shall be considered a Product as used herein, regardless of whether such product is specifically defined in this Agreement.

#### 1.4 Third Party Services and Content

Our Products may include integrations, links or other access to third party services, sites, technology, content and resources (each a “Third-Party Service”). Your access and use of the Third- Party Services may also be subject to additional terms and conditions, privacy policies, or other agreements with such third party, and you may be required to authenticate to or create separate accounts to use Third-Party Services on the websites or via the technology platforms of their respective providers. You, **and not Nested Finance Ltd**, will be responsible for any and all costs and charges associated with your use of any Third-Party Services. Nested Finance Ltd enables these Third-Party Services merely as a convenience and the integration or inclusion of such Third-Party Services does not imply an endorsement or recommendation. Any dealings you have with third parties while using our Products are between you and the third party. Nested Finance Ltd will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any Third-Party Services.

Some Third-Party Services will provide us with access to certain information that you have provided to third parties, including through such Third-Party Services, and we will use, store and disclose such information in accordance with our Privacy Policy. For more information about the implications of activating Third-Party Services and our use, storage and disclosure of information related to you and your use of such Third-Party Services within our Products, please see our Privacy Policy. Nested Finance Ltd has no control over and is not responsible for such Third-Party Services, including for the accuracy, availability, reliability, or completeness of information shared by or available through Third-Party Services, or on the privacy practices of Third-Party Services. We encourage you to review the privacy policies of the third parties providing Third-Party Services prior to using such services.

### 2. Modifications of this Agreement or our Products&#x20;

#### 2.1 Modifications of this Agreement&#x20;

We reserve the right, in our sole discretion, to modify this Agreement from time to time. If we make any material modifications, we will notify you by updating the date at the top of the Agreement and by maintaining a current version of the Agreement at <https://docs.mass.money/other/terms-of-services/mass-terms-of-services>. All modifications will be effective when they are posted, and your continued accessing or use of any of the Products will serve as confirmation of your acceptance of those modifications. If you do not agree with any modifications to this Agreement, you must immediately stop accessing and using all of our Products.

#### 2.2 Modifications of our Products&#x20;

We reserve the following rights, which do not constitute obligations of ours: (a) with or without notice to you, to modify, substitute, eliminate or add to any of the Products; (b) to review, modify, filter, disable, delete and remove any and all content and information from any of the Products.

### 3. Intellectual Property Rights&#x20;

#### 3.1 IP Rights Generally&#x20;

We own all intellectual property and other rights in each of our Products and its respective contents, including, but not limited to, software, text, images, trademarks, service marks, copyrights, patents, designs, and its "look and feel." This intellectual property is available under the terms of our copyright licenses and our Trademark Guidelines. Subject to the terms of this Agreement, we grant you a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to access and use our Products solely in accordance with this Agreement. You agree that you will not use, modify, distribute, tamper with, reverse engineer, disassemble or decompile any of our Products for any purpose other than as expressly permitted pursuant to this Agreement. Except as set forth in this Agreement, we grant you no rights to any of our Products, including any intellectual property rights.

You understand and acknowledge that the Protocol is not a Product and we do not control the Protocol.

By using any of our Products (including to list, post, promote, or display NFTs), you grant us a worldwide, non-exclusive, sublicensable, royalty-free license to use, copy, modify, and display any content, including but not limited to text, materials, images, files, communications, comments, feedback, suggestions, ideas, concepts, questions, data, or otherwise, that you post on or through any of our Products for our current and future business purposes, including to provide, promote, and improve the services. This includes any digital file, art, or other material linked to or associated with any NFTs that are displayed. You grant to us a non-exclusive, transferable, worldwide, perpetual, irrevocable, fully-paid, royalty-free license, with the right to sublicense, under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon any suggestions or feedback for any purpose.

You represent and warrant that you have, or have obtained, all rights, licenses, consents, permissions, power and/or authority necessary to grant the rights granted herein for any material that you list, post, promote, or display on or through any of our Products (including, but not limited to, NFTs). You represent and warrant that such content does not contain material subject to copyright, trademark, publicity rights, or other intellectual property rights, unless you have necessary permission or are otherwise legally entitled to post the material and to grant us the license described above, and that the content does not violate any laws.

#### 3.2 DMCA Complaints&#x20;

Nevertheless, despite our position as an aggregator, Nested Finance Ltd will process and investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act ("DMCA") and other applicable intellectual property laws with respect to any alleged or actual infringement on the Mass wallet. A notification of claimed copyright infringement should be submitted to the Mass Help Center. Please complete the form.&#x20;

We encourage you to use the above form to ensure the requisite information is included in your notice.&#x20;

Identification of the copyrighted work(s), trademark, publicity rights, or other intellectual property rights that you claim is being infringed;

Identification of the allegedly infringing material that is requested to be removed, including a description of the specific location (i.e., urls) on the Interface of the material claimed to be infringing, so that we may locate the material;

Your contact information -- including your full legal name and email address;

A declaration that contains all of the following:

A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the intellectual property rights owner, its agent, or the law;

A statement that the information in the notice is accurate;

A statement under penalty of perjury that you are authorized to act on behalf of the intellectual property owner of the intellectual property that is allegedly being infringed.

Your physical or electronic signature.

If you believe that your content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to upload and use the removed content, you may submit a written counter-notice to us or our Copyright Agent.

#### 3.3 Third-Party Resources and Promotions&#x20;

Our Products may contain references or links to third-party resources, including, but not limited to, information, materials, products, or services, that we do not own or control. In addition, third parties may offer promotions related to your access and use of our Products. We do not approve, monitor, endorse, warrant or assume any responsibility for any such resources or promotions. If you access any such resources or participate in any such promotions, you do so at your own risk, and you understand that this Agreement does not apply to your dealings or relationships with any third parties. You expressly relieve us of any and all liability arising from your use of any such resources or participation in any such promotions.

#### 3.4 Additional Rights&#x20;

We reserve the right to cooperate with any law enforcement, court or government investigation or order or third party requesting or directing that we disclose information or content or information that you provide.

### 4. Your Responsibilities&#x20;

#### 4.1 Prohibited Activity&#x20;

You agree not to engage in, or attempt to engage in, any of the following categories of prohibited activity in relation to your access and use of the Mass wallet:

**Intellectual Property Infringement.**&#x20;

Activity that infringes on or violates any copyright, trademark, service mark, patent, right of publicity, right of privacy, or other proprietary or intellectual property rights under the law.

**Cyberattack.**&#x20;

Activity that seeks to interfere with or compromise the integrity, security, or proper functioning of any computer, server, network, personal device, or other information technology system, including, but not limited to, the deployment of viruses and denial of service attacks.

**Fraud and Misrepresentation.**&#x20;

Activity that seeks to defraud us or any other person or entity, including, but not limited to, providing any false, inaccurate, or misleading information in order to unlawfully obtain the property of another.

**Market Manipulation.**&#x20;

Activity that violates any applicable law, rule, or regulation concerning the integrity of trading markets, including, but not limited to, the manipulative tactics commonly known as "rug pulls", pumping and dumping, and wash trading.

**Securities and Derivatives Violations.**&#x20;

Activity that violates any applicable law, rule, or regulation concerning the trading of securities or derivatives, including, but not limited to, the unregistered offering of securities and the offering of leveraged and margined commodity products to retail customers in the United States.

**Sale of Stolen Property.**&#x20;

Buying, selling, or transferring of stolen items, fraudulently obtained items, items taken without authorization, and/or any other illegally obtained items.

**Data Mining or Scraping.**&#x20;

Activity that involves data mining, robots, scraping, or similar data gathering or extraction methods of content or information from any of our Products.

**Objectionable Content.**&#x20;

Activity that involves soliciting information from anyone under the age of 18 or that is otherwise harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another's privacy, hateful, discriminatory, or otherwise objectionable.

**Any Other Unlawful Conduct.**&#x20;

Activity that violates any applicable law, rule, or regulation of the United States or another relevant jurisdiction, including, but not limited to, the restrictions and regulatory requirements imposed by U.S. law.

#### 4.2 Trading&#x20;

You agree and understand that: (a) all trades you submit through any of our Products are considered unsolicited, which means that they are solely initiated by you; (b) you have not received any investment advice from us in connection with any trades, including those you place via our SDK; and (c) we do not conduct a suitability review of any trades you submit.

#### 4.3 Non-Custodial and No Fiduciary Duties&#x20;

Each of the Products is a purely non-custodial application, meaning we do not ever have custody, possession, or control of your digital assets at any time. It further means you are solely responsible for the custody of the cryptographic private keys to the digital asset wallets you hold and you should never share your wallet credentials or seed phrase with anyone. We accept no responsibility for, or liability to you, in connection with your use of a wallet, or if you were automatically logged out of the Wallet and cannot recover it. Likewise, you are solely responsible for any associated wallet and we are not liable for any acts or omissions by you in connection with or as a result of your wallet being compromised. For the avoidance of doubt, any references herein to a "wallet" shall include the Mass Wallet.

This Agreement is not intended to, and does not, create or impose any fiduciary duties on us. To the fullest extent permitted by law, you acknowledge and agree that we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated. You further agree that the only duties and obligations that we owe you are those set out expressly in this Agreement.

#### 4.4 Compliance and Tax Obligations&#x20;

One or more of our Products may not be available or appropriate for use in your jurisdiction. By accessing or using any of our Products, you agree that you are solely and entirely responsible for compliance with all laws and regulations that may apply to you.

Specifically, your use of our Products may result in various tax consequences, such as income or capital gains tax, value-added tax, goods and services tax, or sales tax in certain jurisdictions.

It is your responsibility to determine whether taxes apply to any transactions you initiate or receive and, if so, to report and/or remit the correct tax to the appropriate tax authority.

#### 4.5 Gas Fees&#x20;

Blockchain transactions require the payment of transaction fees to the appropriate network ("Gas Fees"). Except as otherwise expressly set forth in the terms of another offer by Nested Finance Ltd, you will be solely responsible to pay the Gas Fees for any transaction that you initiate via any of our Products.

#### 4.7 Release of Claims&#x20;

You expressly agree that you assume all risks in connection with your access and use of any of our Products. You further expressly waive and release us from any and all liability, claims, causes of action, or damages arising from or in any way relating to your use of any of our Products. If you are a California resident, you waive the benefits and protections of California Civil Code § 1542, which provides: "\[a] general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."

### 5. DISCLAIMERS&#x20;

#### 5.1 ASSUMPTION OF RISK &#x20;

GENERALLY BY ACCESSING AND USING ANY OF OUR PRODUCTS, YOU REPRESENT THAT YOU ARE FINANCIALLY AND TECHNICALLY SOPHISTICATED ENOUGH TO UNDERSTAND THE INHERENT RISKS ASSOCIATED WITH USING CRYPTOGRAPHIC AND BLOCKCHAIN-BASED SYSTEMS, AND THAT YOU HAVE A WORKING KNOWLEDGE OF THE USAGE AND INTRICACIES OF DIGITAL ASSETS SUCH AS ETHER (ETH), SO-CALLED STABLECOINS, AND OTHER DIGITAL TOKENS SUCH AS THOSE FOLLOWING THE ETHEREUM TOKEN STANDARD (ERC-20), AND THAT YOU UNDERSTAND HOW RWAs WORK ON MASS, HOW THEY ARE ISSUED, WHAT dSHARES ARE, HAVE READ DINARI’S TERMS OF SERVICE, AND ACKNOWLEDGE THAT DINARI OWNS THE UNDERLYING SHARES.

IN PARTICULAR, YOU UNDERSTAND THAT THE MARKETS FOR THESE DIGITAL ASSETS ARE NASCENT AND HIGHLY VOLATILE DUE TO RISK FACTORS INCLUDING, BUT NOT LIMITED TO, ADOPTION, SPECULATION, TECHNOLOGY, SECURITY, AND REGULATION. YOU UNDERSTAND THAT ANYONE CAN CREATE A TOKEN, INCLUDING FAKE VERSIONS OF EXISTING TOKENS AND TOKENS THAT FALSELY CLAIM TO REPRESENT PROJECTS, AND ACKNOWLEDGE AND ACCEPT THE RISK THAT YOU MAY MISTAKENLY TRADE THOSE OR OTHER TOKENS. SO-CALLED STABLECOINS MAY NOT BE AS STABLE AS THEY PURPORT TO BE, MAY NOT BE FULLY OR ADEQUATELY COLLATERALIZED, AND MAY BE SUBJECT TO PANICS AND RUNS.

FURTHER, YOU UNDERSTAND THAT SMART CONTRACT TRANSACTIONS AUTOMATICALLY EXECUTE AND SETTLE, AND THAT BLOCKCHAIN-BASED TRANSACTIONS ARE IRREVERSIBLE WHEN CONFIRMED. YOU ACKNOWLEDGE AND ACCEPT THAT THE COST AND SPEED OF TRANSACTING WITH CRYPTOGRAPHIC AND BLOCKCHAIN-BASED SYSTEMS SUCH AS ETHEREUM ARE VARIABLE AND MAY INCREASE DRAMATICALLY AT ANY TIME. YOU FURTHER ACKNOWLEDGE AND ACCEPT THE RISK OF SELECTING TO TRADE IN EXPERT MODES, WHICH CAN EXPOSE YOU TO POTENTIALLY SIGNIFICANT PRICE SLIPPAGE AND HIGHER COSTS.

IF YOU ACT AS A LIQUIDITY PROVIDER TO THE PROTOCOL THROUGH THE WALLET, YOU UNDERSTAND THAT YOUR DIGITAL ASSETS MAY LOSE SOME OR ALL OF THEIR VALUE WHILE THEY ARE SUPPLIED TO THE PROTOCOL THROUGH THE INTERFACE DUE TO THE FLUCTUATION OF PRICES OF TOKENS IN A TRADING PAIR OR LIQUIDITY POOL.

FINALLY, YOU UNDERSTAND THAT WE DO NOT CREATE, OWN, OR OPERATE CROSS-CHAIN BRIDGES AND WE DO NOT MAKE ANY REPRESENTATION OR WARRANTY ABOUT THE SAFETY OR SOUNDNESS OF ANY CROSS-CHAIN BRIDGE, INCLUDING ITS USE FOR MASS GOVERNANCE.

IN SUMMARY, YOU ACKNOWLEDGE THAT WE ARE NOT RESPONSIBLE FOR ANY OF THESE VARIABLES OR RISKS, DO NOT OWN OR CONTROL THE PROTOCOL, AND CANNOT BE HELD LIABLE FOR ANY RESULTING LOSSES THAT YOU EXPERIENCE WHILE ACCESSING OR USING ANY OF OUR PRODUCTS. ACCORDINGLY, YOU UNDERSTAND AND AGREE TO ASSUME FULL RESPONSIBILITY FOR ALL OF THE RISKS OF ACCESSING AND USING THE INTERFACE TO INTERACT WITH THE PROTOCOL.

#### 5.2 NO WARRANTIES&#x20;

EACH OF OUR PRODUCTS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ANY REPRESENTATIONS AND WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF EACH OF OUR PRODUCTS IS AT YOUR OWN RISK. WE DO NOT REPRESENT OR WARRANT THAT ACCESS TO ANY OF OUR PRODUCTS WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY, OR SECURE; THAT THE INFORMATION CONTAINED IN ANY OF OUR PRODUCTS WILL BE ACCURATE, RELIABLE, COMPLETE, OR CURRENT; OR THAT ANY OF OUR PRODUCTS WILL BE FREE FROM ERRORS, DEFECTS, VIRUSES, OR OTHER HARMFUL ELEMENTS. NO ADVICE, INFORMATION, OR STATEMENT THAT WE MAKE SHOULD BE TREATED AS CREATING ANY WARRANTY CONCERNING ANY OF OUR PRODUCTS. WE DO NOT ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY ADVERTISEMENTS, OFFERS, OR STATEMENTS MADE BY THIRD PARTIES CONCERNING ANY OF OUR PRODUCTS.

SIMILARLY, THE PROTOCOL IS PROVIDED "AS IS", AT YOUR OWN RISK, AND WITHOUT WARRANTIES OF ANY KIND. ALTHOUGH WE CONTRIBUTED TO THE INITIAL CODE FOR THE PROTOCOL, WE DO NOT PROVIDE, OWN, OR CONTROL THE PROTOCOL, WHICH IS RUN AUTONOMOUSLY WITHOUT ANY HEADCOUNT BY SMART CONTRACTS DEPLOYED ON VARIOUS BLOCKCHAINS.  NO DEVELOPER OR ENTITY INVOLVED IN CREATING THE PROTOCOL WILL BE LIABLE FOR ANY CLAIMS OR DAMAGES WHATSOEVER ASSOCIATED WITH YOUR USE, INABILITY TO USE, OR YOUR INTERACTION WITH OTHER USERS OF, THE PROTOCOL, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES, OR LOSS OF PROFITS, CRYPTOCURRENCIES, TOKENS, OR ANYTHING ELSE OF VALUE. WE DO NOT ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY ADVERTISEMENTS, OFFERS, OR STATEMENTS MADE BY THIRD PARTIES CONCERNING ANY OF OUR PRODUCTS.

ANY PAYMENTS OR FINANCIAL TRANSACTIONS THAT YOU ENGAGE IN WILL BE PROCESSED VIA AUTOMATED SMART CONTRACTS. ONCE EXECUTED, WE HAVE NO CONTROL OVER THESE PAYMENTS OR TRANSACTIONS, NOR DO WE HAVE THE ABILITY TO REVERSE ANY PAYMENTS OR TRANSACTIONS.

#### 5.3 NO INVESTMENT ADVICE&#x20;

WE MAY PROVIDE INFORMATION ABOUT TOKENS IN OUR PRODUCTS SOURCED FROM THIRD-PARTY DATA PARTNERS THROUGH FEATURES SUCH AS RARITY SCORES, TOKEN EXPLORER OR TOKEN LISTS (WHICH INCLUDES THE NESTED FINANCE LTD DEFAULT TOKEN LIST AND NESTED FINANCE LTD EXPANDED LIST HOSTED AT TOKENLISTS.ORG). WE MAY ALSO PROVIDE WARNING LABELS FOR CERTAIN TOKENS. THE PROVISION OF INFORMATIONAL MATERIALS DOES NOT MAKE TRADES IN THOSE TOKENS SOLICITED; WE ARE NOT ATTEMPTING TO INDUCE YOU TO MAKE ANY PURCHASE AS A RESULT OF INFORMATION PROVIDED. ALL SUCH INFORMATION PROVIDED BY ANY OF OUR PRODUCTS IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS INVESTMENT ADVICE OR A RECOMMENDATION THAT A PARTICULAR TOKEN IS A SAFE OR SOUND INVESTMENT. YOU SHOULD NOT TAKE, OR REFRAIN FROM TAKING, ANY ACTION BASED ON ANY INFORMATION CONTAINED IN ANY OF OUR PRODUCTS. BY PROVIDING TOKEN INFORMATION FOR YOUR CONVENIENCE, WE DO NOT MAKE ANY INVESTMENT RECOMMENDATIONS TO YOU OR OPINE ON THE MERITS OF ANY TRANSACTION OR OPPORTUNITY. YOU ALONE ARE RESPONSIBLE FOR DETERMINING WHETHER ANY INVESTMENT, INVESTMENT STRATEGY OR RELATED TRANSACTION IS APPROPRIATE FOR YOU BASED ON YOUR PERSONAL INVESTMENT OBJECTIVES, FINANCIAL CIRCUMSTANCES, AND RISK TOLERANCE.

### 6. Indemnification&#x20;

You agree to hold harmless, release, defend, and indemnify Mass, our affiliates, OMEGA TECH SA, and our and our affiliates' respective officers, directors, employees, contractors, agents, service providers, licensors, and representatives (collectively, the "Mass Parties") from and against all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from or relating to: (a) your access and use of any of our Products; (b) your violation of any term or condition of this Agreement, the right of any third party, or any other applicable law, rule, or regulation; (c) any other party's access and use of any of our Products with your assistance or using any device or account that you own or control; and (d) any dispute between you and (i) any other user of any of the Products or (ii) any of your own customers or users. We will provide notice to you of any such claim, suit, or proceeding. We reserve the right to assume the exclusive defense and control of any matter which is subject to indemnification under this section, and you agree to cooperate with any reasonable requests assisting our defense of such matter. You may not settle or compromise any claim against any Mass Party without our written consent.

### 7. Limitation of Liability&#x20;

UNDER NO CIRCUMSTANCES SHALL WE, OMEGA TECH SA, OR ANY OF MASS PARTIES BE LIABLE TO YOU FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE PROPERTY, ARISING OUT OF OR RELATING TO ANY ACCESS OR USE OF OR INABILITY TO ACCESS OR USE ANY OF THE PRODUCTS, NOR WILL WE BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF ANY OF THE PRODUCTS OR THE INFORMATION CONTAINED WITHIN IT, WHETHER SUCH DAMAGES ARE BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH AUTHORIZED OR UNAUTHORIZED USE OF ANY OF THE PRODUCTS, EVEN IF AN AUTHORIZED REPRESENTATIVE OF NESTED FINANCE LTD HAS BEEN ADVISED OF OR KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY: (A) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (B) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM ANY ACCESS OR USE OF THE INTERFACE; (C) UNAUTHORIZED ACCESS OR USE OF ANY SECURE SERVER OR DATABASE IN OUR CONTROL, OR THE USE OF ANY INFORMATION OR DATA STORED THEREIN; (D) INTERRUPTION OR CESSATION OF FUNCTION RELATED TO ANY OF THE PRODUCTS; (E) BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH THE WALLET; (F) ERRORS OR OMISSIONS IN, OR LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF, ANY CONTENT MADE AVAILABLE THROUGH ANY OF THE PRODUCTS; AND (G) THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY.

WE HAVE NO LIABILITY TO YOU OR TO ANY THIRD PARTY FOR ANY CLAIMS OR DAMAGES THAT MAY ARISE AS A RESULT OF ANY PAYMENTS OR TRANSACTIONS THAT YOU ENGAGE IN VIA ANY OF OUR PRODUCTS, OR ANY OTHER PAYMENT OR TRANSACTIONS THAT YOU CONDUCT VIA ANY OF OUR PRODUCTS. EXCEPT AS EXPRESSLY PROVIDED FOR HEREIN, WE DO NOT PROVIDE REFUNDS FOR ANY PURCHASES THAT YOU MIGHT MAKE ON OR THROUGH ANY OF OUR PRODUCTS.

WE MAKE NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, ABOUT LINKED THIRD PARTY SERVICES, THE THIRD PARTIES THEY ARE OWNED AND OPERATED BY, THE INFORMATION CONTAINED ON THEM, ASSETS AVAILABLE THROUGH THEM, OR THE SUITABILITY, PRIVACY, OR SECURITY OF THEIR PRODUCTS OR SERVICES. YOU ACKNOWLEDGE SOLE RESPONSIBILITY FOR AND ASSUME ALL RISK ARISING FROM YOUR USE OF THIRD-PARTY SERVICES, THIRD-PARTY WEBSITES, APPLICATIONS, OR RESOURCES. WE SHALL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR DAMAGES ARISING OUT OF OR IN ANY WAY RELATED TO SOFTWARE, PRODUCTS, SERVICES, AND/OR INFORMATION OFFERED OR PROVIDED BY THIRD-PARTIES AND ACCESSED THROUGH ANY OF OUR PRODUCTS.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR PERSONAL INJURY, OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES (OTHER THAN AS MAY BE REQUIRED BY APPLICABLE LAW IN CASES INVOLVING PERSONAL INJURY) EXCEED THE AMOUNT OF ONE HUNDRED U.S. DOLLARS ($100.00 USD) OR ITS EQUIVALENT IN THE LOCAL CURRENCY OF THE APPLICABLE JURISDICTION.

THE FOREGOING DISCLAIMER WILL NOT APPLY TO THE EXTENT PROHIBITED BY LAW.

### 8. Governing, Law, Dispute Resolution and Class Action Waivers&#x20;

#### 8.1 Governing Law&#x20;

You agree that the laws of the British Virgin Islands, without regard to principles of conflict of laws, govern this Agreement and any Dispute between you and us. You further agree that each of our Products shall be deemed to be based solely in British Virgin Islands, and that although a Product may be available in other jurisdictions, its availability does not give rise to general or specific personal jurisdiction in any forum outside the British Virgin Islands. The parties acknowledge that this Agreement evidences interstate commerce.  You agree that the British Virgin Islands are the proper forum for any appeals of an arbitration award or for court proceedings in the event that this Agreement's binding arbitration clause is found to be unenforceable.

#### 8.2 Dispute Resolution&#x20;

We will use our best efforts to resolve any potential disputes through informal, good faith negotiations. If a potential dispute arises, you must contact us by sending an email to <support@mass.money> so that we can attempt to resolve it without resorting to formal dispute resolution. If we aren't able to reach an informal resolution within sixty days of your email, then you and we both agree to resolve the potential dispute according to the process set forth below.

The arbitration will be held in the British Virgin Islands, unless you and we both agree to hold it elsewhere. Unless we agree otherwise, the arbitrator may not consolidate your claims with those of any other party. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. If for any reason a claim by law or equity must proceed in court rather than in arbitration you agree to waive any right to a jury trial and any claim may be brought only in the British Virgin Islands.

#### 8.3 Class Action and Jury Trial Waiver&#x20;

You must bring any and all Disputes against us in your individual capacity and not as a plaintiff in or member of any purported class action, collective action, private attorney general action, or other representative proceeding. This provision applies to class arbitration. You and we both agree to waive the right to demand a trial by jury.

### 9. Miscellaneous&#x20;

#### 9.1 Entire Agreement&#x20;

These terms constitute the entire agreement between you and us with respect to the subject matter hereof. This Agreement supersedes any and all prior or contemporaneous written and oral agreements, communications and other understandings (if any) relating to the subject matter of the terms.

#### 9.2 Assignment&#x20;

You may not assign or transfer this Agreement, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer this Agreement without our prior written consent shall be null and void. We may freely assign or transfer this Agreement. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors and permitted assigns.

#### 9.3 Rewards&#x20;

In connection with your historic or current use of one or more of our Products, we may provide you certain incentives, prizes or rewards for completing certain activities, such as completing a certain number of transactions ("User Rewards"). Details regarding the criteria for earning a reward will be described within the applicable Product or official Nested Finance Ltd documentation. Upon satisfaction of the criteria for obtaining a reward and subject to your compliance with the associated rewards terms, this Agreement, and applicable law — to be determined exclusively by Nested Finance Ltd — we will use commercially reasonable efforts to promptly transfer the earned reward to the digital wallet that you designate or have connected to the applicable Product. We reserve the right to change, modify, discontinue or cancel any rewards programs (including the frequency and criteria for earning such User Rewards), at any time and without notice to you.&#x20;

The[ liquidity mining ](/liquidity-mining-and-referral-programs/liquidity-mining)and[ referral programs](/liquidity-mining-and-referral-programs/referral-links) fall under this category. We reserve the right to change, modify, discontinue, or cancel any $MASS programs—including the frequency and criteria for earning User Rewards—at any time and without prior notice on the Mass mobile app.

#### 9.4 Not Registered with the SEC or Any Other Agency&#x20;

We are not registered with the U.S. Securities and Exchange Commission as a national securities exchange or in any other capacity. You understand and acknowledge that we do not broker trading orders on your behalf. We also do not facilitate the execution or settlement of your trades, which occur entirely on public distributed blockchains like Ethereum. As a result, we do not (and cannot) guarantee market best pricing or best execution through our Products or when using our SDK, which routes trades across liquidity pools on many DEXes. Any references in a Product to "best price" does not constitute a representation or warranty about pricing available through such Product, on the Protocol, or elsewhere.

#### 9.5. Notice&#x20;

We may provide any notice to you under this Agreement using commercially reasonable means, including using public communication channels. Notices we provide by using public communication channels will be effective upon posting.

#### 9.6 Severability&#x20;

If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any local, state, or federal government agency, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any applicable law and the validity or enforceability of any other provision of this Agreement shall not be affected.


# Other providers - Terms of Service

* [Socket](https://www.socket.tech/)
* [Kyberswap](https://kyberswap.com/files/Kyber%20-%20Terms%20of%20Use%20-%2020%20November%202023.pdf)
* [0x](https://0x.org/legal/terms-of-service)
* [1inch](https://1inch.io/assets/1inch_network_terms_of_use.pdf)
* [Paraswap](https://files.paraswap.io/tos_v4.pdf)
* [Odos](https://docs.odos.xyz/policy/terms-of-use/)
* [OpenOcean](https://openocean.finance/)
* [Privy](https://www.privy.io/user-terms-of-service)
* [Moonpay](https://www.moonpay.com/fr/legal/terms_of_use_usa)
* [Iron](https://iron.xyz/customer-terms)
* [Hyperliquid](https://app.hyperliquid.xyz/terms)
* [Dinari](https://dinari.com/terms)
* [Xstocks](https://xstocks.fi/documents/xstocks-terms-of-service.pdf)
* [Relay](https://relay.link/terms)
* [Morpho](https://morpho.org/terms-of-use/)
* [USDai](https://docs.usd.ai/terms-of-service/usd.ai-terms-of-service)
* [Polymarket](https://polymarket.com/tos)


# Privacy Policy

Before using Mass, you should approve [our own privacy policy ](/other/privacy-policy/mass-privacy-policy) and our [partners' ones](/other/privacy-policy/other-providers-privacy-policy)!&#x20;


# Mass - Privacy Policy

This Privacy Policy (the “Policy”) explains how Nested Finance Ltd, a BVI company, registered under the number 2063944 (“Nested Finance Ltd.”,  "Mass", "Mass Money", the “Company”, “we”, “us” or “our”) collects, uses, and shares data in connection with the Mass mobile app available on the Apple Store and Google Play, [www.mass.money](http://www.mass.money/) website, and all of our other properties, products, and services (the “Services”). Your use of the Services is subject to this Policy as well as our Terms of Service.

## **High Level Summary**&#x20;

Nested Finance Ltd. is an incorporated company based in the BVI that operates the mobile application Mass available on both iOS and Android, among other products and services.&#x20;

## Data we collect

**Publicly-available blockchain data**.&#x20;

When you connect your non-custodial blockchain wallet to the Services, we collect and log your publicly-available blockchain address to learn more about your use of the Services and to screen your wallet for any prior illicit activity. We screen your wallet using intelligence provided by leading blockchain analytics providers. Note that blockchain addresses are publicly-available data that are not created or assigned by us or any central party, and by themselves are not personally identifying.&#x20;

**Information from localStorage and other tracking technologies**.&#x20;

We and our third-party services providers may access and collect information from localStorage, mobile deviceID, cookies, web beacons, and other similar technologies to provide and personalize the Services and features of the Services for you across sessions. For example, we may use this information to remember tokens you purchase, favorites, or your track record. We may also use this information to learn about your preferences, your use of the Services, and our interactions with you. Information we collect from these technologies may include things such as browser type, referring/exit pages, operating system, device or browser language, and other device information. We group and analyze these user journeys collectively, in the aggregate, to improve our product user experience.&#x20;

**Information from other sources**.&#x20;

We may receive information about your wallet address or transactions made through the Services from our service providers in order to comply with our legal obligations and prevent the use of our Services in connection with fraudulent or other illicit activities.&#x20;

**Survey or usability information.**&#x20;

If you participate in a survey or usability study with us, we will record any biographical information you directly provide to us (for example, your name, email, and job title), the responses you provide to us, and your interactions with the Services.&#x20;

**Correspondence.**&#x20;

We will receive any communications and information you provide directly to us via email, customer support, social media, or another support channel (such as Twitter or Discord), or when you participate in any surveys or questionnaires.&#x20;

**Biographical information**.&#x20;

If you apply for a job with us, we collect all information provided through our Jobs form, including name, email phone, work and immigration status, and any other resume, cover letter, or free-form text you include.&#x20;

**Information you specifically provide us.**&#x20;

If you specifically provide us with information (such as your email address), we may use that information for the purposes described when you provide it to us. We will not attempt to link any information you provide to your wallet address, IP address, or other personal data. You do not need to provide us with any personal data to use the Services.&#x20;

## **How We Use Data**&#x20;

We use the data we collect in accordance with your instructions, including any applicable terms in our Terms of Service, and as required by law. We may also use data for the following purposes:

**Providing the Services.**&#x20;

We use the data we collect to provide, maintain, customize and improve our Services and features of our Services.&#x20;

**Customer support.**

We may use information to provide customer support for and answer inquiries about the Services.&#x20;

**Safety and security.**&#x20;

We may use data to protect against, investigate, and stop fraudulent, unauthorized, or illegal activity. We may also use it to address security risks, solve potential security issues such as bugs, enforce our agreements, and protect our users and Company.&#x20;

**Legal compliance.**&#x20;

We may use the information we collect as needed or requested by regulators, government entities, and law enforcement to comply with applicable laws and regulations.&#x20;

**Aggregated data.**&#x20;

We may use some of the information we collect or access to compile aggregated data that helps us learn more about how users use the Services and where we can improve your experience.&#x20;

## How We Share Data&#x20;

We may share or disclose the data we collect:

**With service providers.**&#x20;

We may share your information with our service providers and vendors to assist us in providing, delivering, and improving the Services. For example, we may share your wallet address with service providers like Ankr and DeBank to provide technical infrastructure services, your wallet address with blockchain analytics providers to detect, prevent, and mitigate financial crime and other illicit or harmful activities, and your activity on our social media pages with our analytics provider to learn more about you interact with us and the Services.&#x20;

**To comply with our legal obligations.**&#x20;

We may share your data in the course of litigation, regulatory proceedings, compliance measures, and when compelled by subpoena, court order, or other legal procedure. We may also share data when we believe it is necessary to prevent harm to our users, our Company, or others, and to enforce our agreements and policies, including our [Terms of Service](/other/terms-of-service/mass-terms-of-service).&#x20;

**Safety and Security.**&#x20;

We may share data to protect against, investigate, and stop fraudulent, unauthorized, or illegal activity. We may also use it to address security risks, solve potential security issues such as bugs, enforce our agreements, and protect our users, Company, and ecosystem.&#x20;

**Business changes.**&#x20;

We may transfer or share data to another entity in the event of a merger, acquisition, bankruptcy, dissolution, reorganization, asset or stock sale, or other business transaction.&#x20;

**With your consent.**&#x20;

We may share your information any other time you provide us with your consent to do so.&#x20;

We do not share your information with any third parties for any marketing purposes whatsoever.

## Third Party Cookies&#x20;

We use services provided by Google and other third parties that use tracking technology such as cookies, deviceID, and localStorage, to collect information about your use of the Services and our interactions with you. You can opt out of having your online activity and device data collected through these third-party services, including by:

* Blocking cookies in your browser by following the instructions in your browser settings. For more information about cookies, including how to see the cookies on your device, manage them, and delete them, visit [www.allaboutcookies.org](http://www.allaboutcookies.org/).&#x20;
* Blocking or limiting the use of your advertising ID on your mobile device through the device settings.&#x20;
* Using privacy plug-ins or browsers. Certain browsers and browser extensions can be configured to block third-party cookies and trackers.&#x20;
* Using the platform opt-out provided by Google at [https://adssettings.google.com](https://adssettings.google.com/). You can learn more about how Google uses your information by reviewing Google’s privacy policy at <https://policies.google.com/privacy>.&#x20;
* Using advertising industry opt-out tools on each device or browser where you use the Services, available at [http://optout.aboutads.info](http://optout.aboutads.info/) and [http://optout.networkadvertising.org](http://optout.networkadvertising.org/).&#x20;

## Third-Party Links and Sites&#x20;

We may integrate technologies operated or controlled by other parties into parts of the Services. For example, the Services may include links that hyperlink to websites, platforms, and other services not operated or controlled by us. Please note that when you interact with these other parties, including when you leave the Site, those parties may independently collect information about you and solicit information from you. You can learn more about how those parties collect and use your data by consulting their privacy policies and other terms.

## Security&#x20;

We implement and maintain reasonable administrative, physical, and technical security safeguards to help protect data from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. Nevertheless, transmission via the internet is not completely secure, and we cannot guarantee the security of information about you. You are responsible for all of your activity on the Services, including the security of your blockchain network addresses, cryptocurrency wallets, and their cryptographic keys.

## Age Requirements&#x20;

The Services are intended for a general audience and are not directed at children. We do not knowingly receive personal information (as defined by the U.S. Children’s Privacy Protection Act, or “COPPA”) from children. If you believe we have received personal information about a child under the age of 18, please contact us at <support@mass.money>.

## Disclosures for European Union Data Subjects&#x20;

We process personal data for the purposes described in the section titled “How We Use Data” above. Our bases for processing your data include: (i) you have given consent to the process to us or our service providers for one or more specific purposes; (ii) processing is necessary for the performance of a contract with you; (iii) processing is necessary for compliance with a legal obligation; and/or (iv) processing is necessary for the purposes of the legitimate interested pursued by us or a third party, and your interests and fundamental rights and freedoms do not override those interests. Your rights under the General Data Protection Regulations (“GDPR”) include the right to (i) request access and obtain a copy of your personal data, (ii) request rectification or erasure of your personal data, (iii) object to or restrict the processing of your personal data; and (iv) request portability of your personal data. Additionally, you may withdraw your consent to our collection at any time. Nevertheless, we cannot edit or delete information that is stored on a particular blockchain. Information such as your transaction data, blockchain wallet address, and assets held by your address that may be related to the data we collect is beyond our control.&#x20;

To exercise any of your rights under the GDPR, please contact us on [Discord](https://discord.gg/massdotmoney). We may require additional information from you to process your request. Please note that we may retain information as necessary to fulfill the purpose for which it was collected and may continue to do so even after a data subject request in accordance with our legitimate interests, including to comply with our legal obligations, resolves disputes, prevent fraud, and enforce our agreements.&#x20;

## Changes to this Policy&#x20;

If we make material changes to this Policy, we will notify you via the Services. Nevertheless, your continued use of the Services reflects your periodic review of this Policy and other Company terms, and indicates your consent to them.

### Contact Us&#x20;

If you have any questions about this Policy or how we collect, use, or share your information, please contact us on  [Discord](https://discord.gg/massdotmoney).&#x20;

<br>


# Other providers - Privacy Policy

* [Socket](https://www.socket.tech/)
* [Kyberswap](https://kyberswap.com/files/Kyber%20-%20Terms%20of%20Use%20-%2020%20November%202023.pdf)
* [0x](https://0x.org/legal/terms-of-service)
* [1inch](https://1inch.io/assets/1inch_network_terms_of_use.pdf)
* [Paraswap](https://files.paraswap.io/tos_v4.pdf)
* [Odos](https://docs.odos.xyz/policy/terms-of-use/)
* [OpenOcean](https://openocean.finance/)
* [Privy](https://www.privy.io/privacy-policy)
* [Moonpay](https://www.moonpay.com/fr/legal/privacy_policy)
* [Dinari](https://dinari.com/privacy)
* [XStocks](https://xstocks.com/documents/xstocks-privacy-policy.pdf)
* [Hyperliquid](https://app.hyperliquid.xyz/privacypolicy)
* [Iron](https://iron.xyz/privacy)
* [Morpho](https://morpho.org/privacy-policy/)
* [USDai](https://docs.usd.ai/terms-of-service/usd.ai-privacy-policy)
* [Polymarket](https://polymarket.com/privacy)


# Delete My Data

Complete this form if you would like Mass to delete all the data they have collected regarding your Mass account.

{% embed url="<https://form.typeform.com/to/bed8mJTD>" %}


# Brand kit

## LOGOS

### PNG

<figure><img src="/files/jWHABdPKcHSPYsqh55ST" alt="" width="563"><figcaption></figcaption></figure>

<figure><img src="/files/kZPFfC4R5Q3tKcV5bV0G" alt="" width="470"><figcaption></figcaption></figure>

<figure><img src="/files/T0fKdKngDOvRsI8UtOu6" alt="" width="199"><figcaption></figcaption></figure>

<figure><img src="/files/SlZLGCdwt764CINMfTMa" alt="" width="563"><figcaption></figcaption></figure>

<figure><img src="/files/pTUEdqDQhjqY3XLr4lZe" alt="" width="563"><figcaption></figcaption></figure>

<figure><img src="/files/YVnHSqHHHFzU3UGVAsGL" alt="" width="259"><figcaption></figcaption></figure>

### SVG

{% file src="/files/GO6I5TgOkJwb8PftPkdv" %}

#### Logo palette

<div><figure><img src="/files/louuoqTJhKJWURRq6Ksr" alt="" width="141"><figcaption></figcaption></figure> <figure><img src="/files/g8ne85BdU0DCr30hyYum" alt="" width="139"><figcaption></figcaption></figure> <figure><img src="/files/kygEymvUglmvPPG1BXSW" alt="" width="139"><figcaption></figcaption></figure></div>

***

## COLOR PALETTE

<div><figure><img src="/files/ndSgP8O5auaIVANefHm1" alt=""><figcaption></figcaption></figure> <figure><img src="/files/r5eB1Wr69gvnFlaMYxe2" alt=""><figcaption></figcaption></figure> <figure><img src="/files/OQ8MlpgPUnQWfi5F8KBC" alt=""><figcaption></figcaption></figure> <figure><img src="/files/a1xCZgIZD7nzXS9uwdZT" alt=""><figcaption></figcaption></figure> <figure><img src="/files/4ZfBJHLgJb6tepD8GlAc" alt=""><figcaption></figcaption></figure> <figure><img src="/files/Bj3W0ZivcbAlGWWqTLEg" alt=""><figcaption></figcaption></figure></div>

***

## SUPPORTING PALETTE

<div><figure><img src="/files/TiQvbbyCfBoModLoFxrS" alt=""><figcaption></figcaption></figure> <figure><img src="/files/ny8BrDKF5qBRwqbom8fv" alt=""><figcaption></figcaption></figure> <figure><img src="/files/ZJcKdk8Uz3MomwkNZ0xo" alt=""><figcaption></figcaption></figure> <figure><img src="/files/aE0K0Vc8UfQTj4AbaQuk" alt=""><figcaption></figcaption></figure> <figure><img src="/files/QMb3MOK6Eb5j3v6hHG55" alt=""><figcaption></figcaption></figure> <figure><img src="/files/HlINN9MvHMFol9H2jkx8" alt=""><figcaption></figcaption></figure> <figure><img src="/files/QSaLYFRDjHsYMXmF8oka" alt=""><figcaption></figcaption></figure> <figure><img src="/files/pVorN1n3L0b4ThE7q2AM" alt=""><figcaption></figcaption></figure> <figure><img src="/files/eGeExCOcJvyZZM2XyN6X" alt=""><figcaption></figcaption></figure> <figure><img src="/files/jOE8bcQF9XtDZi9ptlSF" alt=""><figcaption></figcaption></figure></div>

***

## TYPOGRAPHY

<figure><img src="/files/SyqnSGwbzMoFKsjqV3eA" alt=""><figcaption></figcaption></figure>

***

## Account icons&#x20;

{% file src="/files/dN2VfVwnMeTmTmBBjCAk" %}

{% file src="/files/OUb69sNNQJfBESGeANrn" %}

{% file src="/files/wZJapgaoztxMRTtgcwvN" %}

{% file src="/files/3V5XM0tsU79MjVVTSUX6" %}

{% file src="/files/nEslhIYrhWtRVgSJ0XWW" %}

{% file src="/files/HmIcDbwvyifJFuOF8FDS" %}

##

## BACKGROUNDS

### Light mode

<div><figure><img src="/files/idGxzcv4IQn1qklNxN92" alt=""><figcaption></figcaption></figure> <figure><img src="/files/nxLFJMjuhI88ATqzVPEM" alt=""><figcaption></figcaption></figure> <figure><img src="/files/agbLNw6JFgu3PiwlsXlq" alt=""><figcaption></figcaption></figure> <figure><img src="/files/fOMCi9aK1CI4y4BZhBG0" alt=""><figcaption></figcaption></figure> <figure><img src="/files/qVe4Pvfm5baFyzufRQW5" alt=""><figcaption></figcaption></figure></div>

### Dark mode

<div><figure><img src="/files/fNhxqAbSaGq9SEIiLaSu" alt=""><figcaption></figcaption></figure> <figure><img src="/files/oAoVdCwWT8euuWwj1s1t" alt=""><figcaption></figcaption></figure> <figure><img src="/files/y1aEBrBpzA6rKcvt1a9C" alt=""><figcaption></figcaption></figure> <figure><img src="/files/05ZZ1iq4dasfmQKCARn3" alt=""><figcaption></figcaption></figure> <figure><img src="/files/al9oEqLmqwYw6kA1mXtP" alt=""><figcaption></figcaption></figure></div>

## Themed background

#### Crypto

<div><figure><img src="/files/Qk0UOKEUMkpyT5FZSQEm" alt=""><figcaption></figcaption></figure> <figure><img src="/files/kHrainhXUu6MqznNZg7A" alt=""><figcaption></figcaption></figure> <figure><img src="/files/EVTH1Me7aHBRFGcssa9U" alt=""><figcaption></figcaption></figure> <figure><img src="/files/olfq5PKN4hrUWr8aP9kY" alt=""><figcaption></figcaption></figure> <figure><img src="/files/BwYUD1phF6FFPGmlzfyZ" alt=""><figcaption></figcaption></figure></div>

#### Perps

<div><figure><img src="/files/4R5WBqR1ThPWYIPaWCvL" alt=""><figcaption></figcaption></figure> <figure><img src="/files/MNn7F8afVGw5IuiQtSrD" alt=""><figcaption></figcaption></figure> <figure><img src="/files/fWCtOzJPj7WV9WruNTeF" alt=""><figcaption></figcaption></figure> <figure><img src="/files/zYZgv7ga7BNFC9TS6iiH" alt=""><figcaption></figcaption></figure> <figure><img src="/files/1LpUzQMqaQ7tMn6xZPTl" alt=""><figcaption></figcaption></figure></div>

#### Stocks

<div><figure><img src="/files/TA1B9vTal6RInLxR3hJN" alt=""><figcaption></figcaption></figure> <figure><img src="/files/CzWoTcVqG8WNSPcT1GjX" alt=""><figcaption></figcaption></figure> <figure><img src="/files/lOr1qQA5qEaltabOYc00" alt=""><figcaption></figcaption></figure> <figure><img src="/files/eGIve29EqZd3IoCIrxWu" alt=""><figcaption></figcaption></figure> <figure><img src="/files/bRr6k2cR6ZQUQ1BAy7F8" alt=""><figcaption></figcaption></figure></div>

#### Predict

<div><figure><img src="/files/3rPXBcyxBiqID3FvRuh6" alt=""><figcaption></figcaption></figure> <figure><img src="/files/6WohO5EoyFl8nzT5hzLR" alt=""><figcaption></figcaption></figure> <figure><img src="/files/mlpG8LxhxRM1Q2SXVtdG" alt=""><figcaption></figcaption></figure> <figure><img src="/files/HafVRtYvlK7wCchbBpNP" alt=""><figcaption></figcaption></figure> <figure><img src="/files/2dIRayKtKyinLuNyrfCA" alt=""><figcaption></figcaption></figure></div>