1. Account and access

• One account is intended per user. The AR wallet number is used as the public identifier for sign-in and transfers.
• Password, financial PIN, 2FA codes, recovery codes and API Secret are confidential and must not be shared with third parties.
• The user must keep a current recovery email and report suspicious activity to support.

2. Balances and transactions

• The account uses primary RUB, USD and EUR balances. USDT is available only for P2P operations and is tracked separately by the system.
• Transfers between AR wallets are executed in the selected currency without automatic conversion unless the interface explicitly states otherwise.
• Sensitive operations may require a financial PIN, 2FA or additional security verification.
• Fees and limits are shown before transaction confirmation or in the relevant account section.

3. P2P

• P2P connects a user with an exchanger. Direction terms, rate, limits, payment details and timing are shown before a deal is created.
• Adsrek Pay funds may be held for the duration of a deal. Do not confirm an external payment before it has actually been made.
• In a dispute, participants must provide accurate information and supporting evidence when required.
• Administration may temporarily suspend a direction, exchanger or transaction in case of fraud risk, technical failure or insufficient reserve.

4. Merchant and API

• The merchant owner is responsible for API key security, valid callback/webhook URLs and the legality of accepted payments.
• API access may use key permissions, IP restrictions, rate limits, daily limits and replay protection.
• Refunds are performed only within the functionality available for the specific payment and are recorded in the financial ledger.

5. Restrictions and security

• Attempts to bypass authorization, limits, blocks or antifraud controls, repeat the same financial operation, or use another person’s credentials are prohibited.
• The service may not be used for fraud, illegal goods or services, money laundering, sanctions evasion or other unlawful activity.
• In emergency mode, certain financial operations may be temporarily suspended until system integrity is restored.

6. Technical risks

Adsrek Pay does not control the availability of external banks, payment services, crypto networks, market rate sources or third-party APIs. If an external source is unavailable, the system may retain the last valid rate or temporarily suspend an operation.

7. Support and changes

For transaction questions, use the support center. Terms, fees, limits and technical capabilities may change; the current version is published on this page.