"Interface" — The website at lurk.st, its subdomains, APIs, and associated graphical user interface.
"Operator" — The anonymous individual or entity that deploys and maintains the Interface. The Operator has no disclosed legal entity, physical location, or public identity. Anonymity is intentional and does not affect the validity of these Terms.
"Protocols" — Independent, decentralized smart-contract systems (including THORChain, Maya Protocol, Chainflip, CoW Protocol, and deBridge) that the Interface aggregates and displays. The Operator does not own, control, or operate any Protocol.
"Digital Assets" — Cryptocurrencies, tokens, or digital representations of value, including privacy-preserving assets.
"Wallet" — A self-hosted, non-custodial wallet controlled exclusively by you.
"Sanctioned Person" — Any individual, entity, or wallet address on a sanctions list maintained by the UN, OFAC, EU, UK, or any applicable governmental authority.
2.1 Passive Aggregator Only. The Interface is a purely informational tool. It aggregates and displays rate quotes from third-party Protocols. Transaction payloads are constructed locally in your browser. You must independently review, sign, and broadcast every transaction using your own Wallet. The Operator never holds, controls, transfers, or transmits Digital Assets at any point.
2.2 No Counterparty Status. The Interface is entirely distinct from the Protocols it displays. You are not trading with the Operator. You are interacting directly with autonomous smart contracts deployed on public blockchains. The Operator has no ability to halt, reverse, modify, or refund any Protocol-level transaction.
2.3 Not a Financial Intermediary. Because the Operator never takes custody of funds and does not intermediate transactions, the Operator is not a money transmitter, money services business, virtual asset service provider, crypto-asset service provider, or financial intermediary under any jurisdiction's laws.
3.1 How Fees Work. The Interface embeds an affiliate identifier (the THORName "lurk") in transaction memos for swaps routed through THORChain and compatible Protocols. This is a standard protocol-level feature. The Protocol allocates a portion of its own fee structure to the Operator's blockchain address automatically. The affiliate fee is 0.75% (75 basis points), embedded in all quoted swap rates. It is non-negotiable and non-refundable.
3.2 Operator Never Touches Your Funds. The affiliate reward is distributed directly by the Protocol in its native asset to the Operator's blockchain address. Your Digital Assets are never transmitted to or through the Operator. The Operator has no control over whether, when, or how much the Protocol distributes as an affiliate reward.
3.3 Purpose of Fees. Affiliate fees are used exclusively to cover the costs of maintaining the Interface, including server infrastructure, CDN services, domain registration, and ongoing development. The Interface has no other revenue source.
3.4 Your Acknowledgment. By initiating a swap, you confirm that you have reviewed the complete transaction payload, including the affiliate identifier in the memo, before signing and broadcasting.
The Interface requires no user accounts, registration, or identity verification. The Operator does not collect, process, store, or share personal data. The Interface operates on a zero-logs architecture: no IP addresses, wallet addresses, transaction metadata, or timestamps are retained by the Operator. All browser-to-Interface communication is stateless and ephemeral. You are solely responsible for ensuring your use complies with the laws of your jurisdiction.
5.1 CDN-Level Geo-Blocking. The Interface is served through a content delivery network that applies IP-based geo-blocking to restrict access from certain jurisdictions. As of the Effective Date, these include: the United States of America, all EU member states, Cuba, Iran, North Korea, Syria, and the regions of Crimea, Donetsk, and Luhansk. These blocks occur at the network edge and generate no logs retained by the Operator. IP-based blocking is technically imprecise. You represent and warrant that you are not located in any blocked jurisdiction and are not a Sanctioned Person.
5.2 Client-Side Sanctions Screening. The Interface may perform optional address screening entirely within your browser using publicly available blocklists. No wallet addresses are transmitted to any server. This screening is a convenience, not a guarantee of compliance. You remain solely responsible for ensuring your transactions comply with applicable sanctions law.
5.3 Circumvention Prohibited. Circumventing geo-blocking using a VPN or any other technical means from a blocked jurisdiction is a material breach of these Terms. You agree to indemnify the Operator for any loss, penalty, or damage arising from such circumvention.
The Interface supports privacy-enhancing Digital Assets including Monero (XMR). Privacy is a fundamental human right, recognized by the United Nations Universal Declaration of Human Rights (Article 12) and affirmed by privacy advocates, security researchers, and whistleblowers worldwide. The use of privacy-preserving cryptocurrencies is legal in most jurisdictions. However, you are solely responsible for determining the legality of such assets in your jurisdiction and for complying with all applicable laws. The Operator makes no representation that any asset is lawful in your location. Risks specific to privacy coins include potential exchange delistings, impaired fiat conversion, and heightened regulatory scrutiny.
By using the Interface, you represent and warrant that:
You expressly accept all risks including without limitation:
| Risk | Description |
|---|---|
| Cross-chain failure | Funds sent to the wrong chain, wrong address, or with an incorrect or missing memo are permanently and irrecoverably lost. No party can reverse this. |
| Memo requirement | THORChain and Maya swaps require a precisely formatted memo. Any modification, omission, or corruption of this memo by any software (wallet, browser extension, OS) voids the swap and causes permanent loss of funds. |
| Slippage | Quoted rates are estimates only and not guaranteed. Final execution price may differ significantly, especially for large amounts or during high market volatility. |
| Protocol vulnerability | Any integrated Protocol may contain undiscovered bugs or be exploited at any time with no warning. Such events may result in total loss of funds with no recourse. |
| Streaming swaps | Large swaps may execute over hours or days. The rate may be locked during this period, exposing you to adverse market movements. |
| Quote expiry | Quotes expire within 60 seconds. Sending funds after expiry may result in a failed transaction or loss of network fees. |
| Dust threshold | Amounts below Protocol minimums will be rejected and may be permanently lost. |
| Gas estimation | Displayed gas fees are estimates only. Actual network fees may be substantially higher during congestion. |
| Privacy coin risk | Privacy-preserving assets may be delisted from exchanges in your jurisdiction, severely impairing your ability to convert to fiat currency. |
| Smart contract bugs | Protocols consist of code. Bugs, logic errors, or design flaws may result in partial or total loss of Digital Assets. |
The Operator's aggregate liability for direct damages shall not exceed zero United States dollars (US$0.00). The Operator collects no direct fees from users; affiliate fees are distributed by third-party Protocols. This $0 cap is intentional and forms an essential element of the bargain. This limitation does not apply to liability that cannot be excluded under mandatory applicable law.
The Operator shall have no liability for any act, omission, exploit, bug, freeze, delay, or failure of any Protocol or blockchain network.
You agree to defend, indemnify, and hold harmless the Operator and its affiliates, agents, and service providers from any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your breach of these Terms; (b) your violation of any law or regulation; (c) your use or misuse of the Interface; or (d) any dispute between you and a third-party Protocol or user. The Operator may assume exclusive control of the defense of any matter subject to indemnification, at your expense.
All code, design, text, and graphics available through the Interface are the exclusive property of the Operator. No license is granted to reproduce, modify, or create derivative works. You may use the Interface solely for its intended purpose.
13.1 Governing Law. These Terms are governed by the laws of the Republic of Seychelles, without regard to conflict-of-law principles. This choice is for neutrality and does not indicate the Operator's presence in any jurisdiction.
13.2 Arbitration. Any dispute shall be resolved exclusively by confidential, binding arbitration administered by the Seychelles International Arbitration Centre (SIAC), seated in Victoria, Seychelles, conducted in English. The arbitrator shall have no authority to order disclosure of the Operator's identity or location. The Operator may participate anonymously through counsel. The arbitral award may be enforced in any New York Convention signatory state.
13.3 Class Action Waiver. All disputes must be resolved on an individual basis. You waive any right to class, collective, or representative proceedings and any right to a jury trial.
13.4 Operator Anonymity. The Operator provides this Interface anonymously. The inability to personally identify or serve process upon the Operator shall not affect the validity of these Terms or the jurisdiction of the arbitrator. You waive any argument that anonymity constitutes a defense to enforcement.
The Operator may modify these Terms at any time by posting updated Terms with a new "Last Updated" date. Continued use constitutes acceptance. The Operator may suspend or terminate access at any time without notice. Sections 8–13 survive termination.
No Fiat Gateway. The Interface facilitates only crypto-to-crypto swaps. Any fiat-value estimates shown are indicative only, sourced from third-party price feeds.
Severability. If any provision is held unenforceable, it shall be modified to the minimum extent necessary and the remainder shall remain in full force.
Force Majeure. The Operator is not liable for failures caused by circumstances beyond its reasonable control, including network failures, blockchain congestion, cyberattacks, or governmental orders.
Entire Agreement. These Terms constitute the entire agreement between you and the Operator and supersede all prior understandings.