Terms & Conditions

GRAM is a two-layer crypto and P2P financial platform developed and operated by AGLOVEL GROUP.

Layer 1 — Spot Mode: Users may deposit supported crypto assets and convert them to Nigerian Naira (NGN), paid directly to a verified Nigerian bank account. Supported assets are Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Tether (USDT), USD Coin (USDC), and Bitcoin Cash (BCH).

Layer 2 — P2P Mode: An automation engine that connects users' exchange P2P accounts and payment processors to automatically resolve and disburse NGN payments for P2P crypto sell orders.

GRAM also provides Gram Wallet — a built-in NGN wallet powered by Nomba — and a Bitcoin Lightning (LNURL) wallet for fast, low-fee Bitcoin deposits.

GRAM does not custody, hold, or manage user funds at any point. All asset conversions, disbursements, and wallet operations are executed directly between the user and the relevant counterparty or processor.

By accessing or using GRAM, you agree to these Terms and Conditions in full. If you do not agree, you must not use the platform.

GRAM is intended solely for use by verified individuals engaged in lawful financial activities within the Federal Republic of Nigeria.

You must be at least 18 years of age to register and use GRAM.

You must complete Tier 1 KYC verification, which requires a valid Nigerian phone number and a valid National Identification Number (NIN).

To use Spot Mode, KYC verification must be approved prior to initiating any deposit or sell transaction.

To use P2P Mode, you must hold an active account on a supported exchange — Bybit, Bitget, or MEXC — with P2P trading enabled.

To connect Flutterwave or Nomba as a payment processor in P2P Mode, you must hold a valid business account with outbound transfer capabilities.

To activate Gram Wallet, Tier 1 KYC must be completed and approved.

API keys connected to GRAM must be scoped to P2P trading permissions only. Withdrawal permissions must not be granted under any circumstance.

GRAM reserves the right to decline, suspend, or revoke access for any user who does not meet these eligibility requirements.

Spot Mode enables users to deposit supported crypto assets into GRAM-assigned wallet addresses and sell them for NGN at the prevailing live rate, with proceeds remitted to the user's linked Nigerian bank account.

GRAM is a one-way conversion platform. Crypto assets deposited into GRAM may only be sold for NGN. Withdrawal of crypto assets is not supported and will not be processed.

Users are solely responsible for sending assets to the correct wallet address and on the correct network. GRAM is not liable for funds lost due to incorrect network selection or address entry.

There are no deposit fees and no sell fees imposed by GRAM. The amount received reflects the live conversion rate displayed at the time of sale confirmation.

The sell rate is market-driven and displayed live prior to transaction confirmation. GRAM does not guarantee any specific rate beyond what is displayed at the moment of confirmation.

All Spot sell transactions require Fund Password verification prior to execution. Users must configure their Fund Password from Settings before initiating any sell.

Spot transactions are irreversible once submitted. Users must verify all details — amount, bank account, and Fund Password — before confirming.

GRAM reserves the right to delay, hold, or decline any Spot transaction that triggers compliance or risk controls.

GRAM provides a Bitcoin Lightning wallet powered by LNURL, enabling users to receive Bitcoin payments instantly via Lightning-compatible wallets, including Cash App and Strike.

Lightning deposits settle in seconds and are credited to the user's GRAM balance for conversion to NGN via Spot Mode.

The Lightning Wallet is designed for receiving only. Outbound Lightning payments are not supported.

Users are responsible for generating valid LNURL invoices and sharing them accurately with senders.

GRAM is not liable for failed Lightning payments caused by sender-side errors, network instability, or incompatible wallet implementations.

Lightning Wallet functionality is subject to availability and may be modified or withdrawn by AGLOVEL GROUP with reasonable notice.

ScamShield is a proprietary OSINT tool developed by AGLOVEL GROUP, currently in development and not yet available to the public.

Upon release, ScamShield will enable users to conduct background checks on Nigerian phone numbers and verify the authenticity of transaction receipts, including Bitcoin payment screenshots.

ScamShield data is derived from publicly available information and open-source intelligence sources. AGLOVEL GROUP makes no warranty as to the completeness, accuracy, or recency of results returned.

ScamShield results must not be used as the sole basis for legal, financial, or enforcement decisions. Users assume full responsibility for any action taken based on ScamShield output.

AGLOVEL GROUP is not liable for damages arising from reliance on ScamShield results, including false positives, false negatives, or outdated data.

ScamShield usage is subject to applicable Nigerian data protection laws, including the Nigeria Data Protection Act (NDPA) 2023.

Connection of exchange accounts to P2P Mode requires valid API credentials from the respective exchange.

All API keys and secrets are encrypted using AES-256-GCM with a 256-bit key prior to storage. GRAM personnel cannot decrypt or access user credentials.

IP whitelisting is mandatory. Only GRAM's designated server IP address (207.180.241.156) must be whitelisted on connected exchange accounts.

Users are solely responsible for the security and accuracy of their API credentials prior to submission.

API keys must not carry withdrawal permissions. Any financial loss arising from incorrectly scoped API keys is the sole responsibility of the account holder.

Users may disconnect any connected account at any time from Settings. Disconnection takes effect immediately and all associated credentials are deleted.

P2P orders sync automatically from connected exchange accounts.

GRAM processes sell-side P2P orders only. Buy-side order support may be introduced in future platform updates.

Orders that cannot be automatically resolved due to incomplete or unverifiable payment information will be flagged as Action Required.

Users are responsible for reviewing, resolving, and approving or rejecting flagged orders within the applicable exchange time limit.

Rejected orders are final and cannot be reversed through GRAM. Exchange-level disputes must be handled directly with the respective exchange.

GRAM is not liable for order expiry resulting from delayed user action or exchange-side timeouts.

Auto-Payment enables GRAM to automatically disburse funds for eligible P2P orders without requiring manual approval for each transaction.

By enabling Auto-Payment, the user explicitly authorizes GRAM to execute outbound transfers on their behalf.

The user assumes full responsibility for all transactions processed under Auto-Payment mode.

GRAM performs bank name resolution and account number verification prior to every payout. No guarantee is made that all resolutions will be error-free.

Users are responsible for maintaining sufficient balance in their connected payment processor or Gram Wallet for Auto-Payment to function.

GRAM reserves the right to pause Auto-Payment for any account where suspicious activity is detected, compliance thresholds are triggered, or processor balance is insufficient.

Gram Wallet is a built-in NGN wallet powered by Nomba Microfinance Bank, providing users with a dedicated virtual bank account for receiving and disbursing NGN within GRAM.

Gram Wallet is subject to a default daily payout limit of ₦3,000,000. This limit may be increased to ₦10,000,000 upon successful completion of Tier 2 verification.

Tier 2 verification requires submission of a valid BVN and a proof of address document. Approval is at the sole discretion of AGLOVEL GROUP.

Gram Wallet withdrawals are subject to applicable Nomba transfer fees. A stamp duty of ₦50 applies to transactions of ₦10,000 and above, as mandated by Nigerian regulations.

Inbound fees of ₦50 or less are absorbed by AGLOVEL GROUP. Fees exceeding ₦50 are debited from the user's wallet.

Withdrawals from Gram Wallet may only be made to bank accounts registered in the verified name of the account holder as submitted during KYC.

Gram Wallet funds are held and processed by Nomba MFB. AGLOVEL GROUP does not custody user funds.

AGLOVEL GROUP is not liable for delays, failures, or errors in Gram Wallet transactions attributable to Nomba or the Nigerian interbank infrastructure.

GRAM is currently provided free of charge during its beta period. Pricing may be introduced at any time with reasonable prior notice to users.

There are no deposit fees or sell fees imposed by GRAM on Spot Mode transactions.

All fees charged by third-party processors — including Flutterwave, Nomba, or any interbank transfer fees — are the sole responsibility of the user.

Gram Wallet inbound fees of ₦50 or less are absorbed by AGLOVEL GROUP and will not be charged to the user.

Stamp duty of ₦50 applies to Gram Wallet transactions of ₦10,000 and above, as required under Nigerian law.

AGLOVEL GROUP is not responsible for any fees, charges, or deductions imposed by Nomba, Flutterwave, or the Nigerian banking system.

All API credentials stored on GRAM are encrypted using AES-256-GCM. GRAM personnel cannot access plaintext credentials at any time.

A 6-digit transaction PIN is required for account access. PIN verification is enforced server-side using bcrypt hashing. Plaintext PINs are never stored or transmitted.

A Fund Password is required to authorize all Spot sell transactions. This is a separate credential from the account PIN and must be configured prior to the first sell.

Two-Factor Authentication (2FA) via authenticator app is available and strongly recommended for all accounts.

Biometric authentication is supported via WebAuthn. Biometric credentials are device-bound and domain-scoped and cannot be replayed or transferred.

An Anti-Phishing Code may be configured by the user. This code appears in all official GRAM emails as a trust signal.

After 3 consecutive incorrect PIN entries, the account is locked for 15 minutes.

The platform automatically locks after 5 minutes of inactivity, requiring re-verification before resumption.

All active sessions are visible and revocable from Settings. Users must report any unrecognized session or device to GRAM support immediately.

GRAM operates a continuous automated risk engine. Accounts exhibiting unusual behavior may be suspended pending manual review.

Users are solely responsible for the security of their login credentials, PIN, Fund Password, and biometric access.

GRAM collects and retains only the data necessary to provide its services, including full name, email address, phone number, NIN, BVN (Tier 2 only), and encrypted API credentials.

All user data is stored on Supabase-hosted infrastructure. Data is not sold, rented, or disclosed to third parties outside of what is required to operate the platform.

GRAM uses Google OAuth 2.0 as an optional authentication method. When a user signs in via Google, GRAM accesses only the user's Google email address and display name.

Google email addresses are used solely for account identification. Display names are used solely for profile personalization.

GRAM does not access Gmail, Google Drive, Google Calendar, Google Contacts, or any other Google service data.

Google credentials are never stored on GRAM servers. All Google authentication is handled through Google's OAuth 2.0 flow via Supabase.

GRAM does not use Google user data for advertising, profiling, or any purpose beyond authentication and account personalization.

Users may revoke GRAM's access to their Google account at any time via Google Account settings at myaccount.google.com.

GRAM's data practices are governed by the Nigeria Data Protection Act (NDPA) 2023.

GRAM is provided on an as-is basis. AGLOVEL GROUP makes no warranties, express or implied, regarding the uninterrupted, error-free, or timely operation of the platform.

AGLOVEL GROUP is not liable for any financial losses arising from failed payouts, incorrect bank resolutions, exchange downtime, API errors, Nomba infrastructure failures, or on-chain network delays.

AGLOVEL GROUP is not liable for losses resulting from incorrect crypto network selection, wrong deposit addresses, or user error during Spot Mode deposits.

AGLOVEL GROUP is not liable for unauthorized account access resulting from the user's failure to maintain credential security.

AGLOVEL GROUP is not liable for regulatory actions, exchange-imposed restrictions, or losses arising from the user's P2P trading activities.

AGLOVEL GROUP is not liable for any damages arising from ScamShield results, including inaccurate, incomplete, or outdated OSINT data.

In no event shall AGLOVEL GROUP's aggregate liability to any user exceed the total fees paid by that user to GRAM in the 30 days preceding the claim.

GRAM is an operational tool. Final responsibility for all trading, conversion, payout, and wallet decisions rests with the account holder.

AGLOVEL GROUP reserves the right to suspend or permanently terminate any account that violates these Terms, engages in fraudulent or unlawful activity, or poses a material risk to the platform or its users.

Accounts deactivated by the automated risk engine due to unverified identity after 10 days cannot be reactivated. A new account may be registered if the user is otherwise eligible.

Permanently banned accounts are blacklisted. The associated email address may not be used to register a new GRAM account.

Users may voluntarily terminate their account at any time from Settings. Termination does not reverse or refund completed transactions.

Upon account termination, all API credentials and sensitive user data stored on GRAM are permanently and irreversibly deleted.

AGLOVEL GROUP reserves the right to modify, suspend, or discontinue the GRAM platform at any time. Where operationally feasible, reasonable advance notice will be provided.

These Terms and Conditions are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Any disputes arising from the use of GRAM shall be subject to the exclusive jurisdiction of the competent courts of Nigeria.

AGLOVEL GROUP reserves the right to amend these Terms at any time. Users will be notified of material changes via email or in-app notification.

Continued use of GRAM following notification of amendments constitutes acceptance of the revised Terms.

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

These Terms constitute the entire agreement between the user and AGLOVEL GROUP with respect to the use of GRAM.