Real World Asset Agreement and eligibility
These Terms form a legally binding agreement between you and TOKNIFY (“TOKNIFY,” “we,” “us,” or “our”). You must be at least 18 years old, have legal capacity to contract, and be permitted to use digital-asset and RWA services where you reside. If you act for an entity, you confirm that you have authority to bind it. Do not use the platform where access, ownership, payment, tokenization or redemption would be unlawful.
Platform and asset modules
TOKNIFY provides infrastructure for creating, funding, identifying, minting, holding, transferring and settling blockchain-based real-world asset NFTs. Every asset class operates through a separate module with its own backing, valuation, custody, documentation, transfer and redemption rules. The currently active public module creates personalized gold-design NFTs backed by recorded XAU₮ positions on BNB Smart Chain. References to silver, real estate, commodities or other assets describe extensible platform scope only and do not mean that a module is available or approved.
If module-specific terms, offering documents or asset records conflict with these general Terms, the more specific document controls for that asset.
Accounts and non-custodial wallets
You are responsible for your WordPress account, device security, wallet password, encrypted keystore, private key, recovery material and every transaction signed by your wallet. TOKNIFY does not receive or recover your local-wallet password or private key. Loss of credentials, device access or control of an NFT may permanently prevent access or redemption. You must verify every wallet address, network, token and transaction before approval.
Asset instructions and customer content
You are responsible for the accuracy, legality and completeness of all weights, messages, descriptions, images, ownership information and asset documentation submitted. You grant TOKNIFY and its service providers a limited worldwide licence to host, process, reproduce, transform, validate and publish that content as necessary to provide the service and create NFT metadata. You confirm that you own or have permission to use all submitted content and that it does not violate privacy, publicity, copyright, trademark or other rights.
For the active gold module, payment is final approval of the submitted design instructions. Verify spelling, amounts, wallet address and visual requirements before paying.
Gold Planner recurring creation plans
Gold Planner lets an eligible customer create a recurring plan for future TOKNIFY Gold NFT creations. You choose the supported stablecoin, amount per cycle, schedule, first run time and personalization inputs. A plan uses a dedicated funding address associated with your account and owner wallet. You may fund that address from an external wallet or, where offered, from your TOKNIFY local non-custodial wallet. Gold Planner is not an automatic debit mandate: TOKNIFY does not obtain authority to pull funds from your personal wallet, bank account or exchange account.
Each successful scheduled cycle is a separate creation. The service calculates the then-current XAU₮ backing and gold-equivalent weight, reserves a new NFT token ID, generates and validates a fresh visualization from the saved personalization inputs, publishes the applicable image and metadata, acquires the required backing and mints a new NFT. Previous completed artwork is not reused as the finished image for a later cycle.
The amount entered for a Gold Plan is the total cycle budget. It may be allocated among XAU₮ acquisition, the disclosed platform fee, generation or validation fee, price-protection reserve and other costs included by the active Digital Gold fee policy. Any unused refundable reserve is handled under the applicable settlement rules. If the dedicated address lacks the full amount required for a scheduled cycle, the cycle may be skipped rather than partially executed.
You may edit supported settings for future cycles or pause/cancel a plan where the interface permits. Changes do not rewrite completed NFTs or an investment already in processing. On cancellation, available uncommitted USDT or USDC in the plan's dedicated funding address is intended to be returned to the registered owner wallet for that plan using the supported refund flow. Funds already committed to an in-progress order are not duplicated or double-spent. Sponsored BNB gas, where offered, is a platform service subject to limits and availability; residual sponsored gas may be recovered by TOKNIFY.
Quotes, payments, fees and refunds
Displayed estimates may include the maximum underlying-asset acquisition cost, platform fee, generation or validation fee, price-protection reserve and applicable network costs. Quotes are time-limited and may change with markets, liquidity, gas, taxes or third-party fees. Payment must use the supported token, network, exact deposit address and requested amount. Underpayments, overpayments, unsupported assets or late transfers may require manual review and may incur recovery costs.
For ordinary single creations, generation begins only after required blockchain confirmations. Gold Planner cycles begin at their scheduled processing time when sufficient plan funds and service conditions are available. Unused price-protection funds are returned automatically when settlement succeeds. A permanent generation failure is eligible for return of the remaining received payment under the automated refund flow. Confirmed blockchain fees, completed third-party work, market loss, transfers to an incorrect address, and funds that cannot lawfully or technically be recovered may be non-refundable. Refunds are sent to the eligible owner wallet or other verified source permitted by the applicable module.
For Marketplace purchases, the buyer pays the displayed gross stablecoin price. The platform-fee rate is recorded for the listing and deducted from seller proceeds when the purchase succeeds. Network-fee sponsorship, where offered, is subject to availability, policy and limits and does not reduce the required sale payment.
AI generation and validation
Artificial intelligence may create visualizations, analyze instructions and validate technical requirements. AI output can be inaccurate, incomplete or visually different from expectations. It is a digital visualization and not production CAD, a survey, title report, appraisal, engineering specification, assay, legal opinion or guarantee of a physical result. Automated retries address technical failures but do not guarantee generation or acceptance. Do not submit sensitive personal data or unlawful content in prompts or images.
Minting, backing and asset records
A creation may be minted only once, although one wallet may own multiple distinct NFTs. Minting occurs only after the applicable module’s required backing and metadata conditions are satisfied. The NFT’s smart-contract record, token ID, metadata commitment, liability record and module documentation define the digital position. Displayed market value is not guaranteed and may differ from acquisition, sale or redemption value.
For the active gold module, the recorded XAU₮ quantity is deposited into the configured vault and associated with the NFT before mint completion. The personalized image is a digital visualization and is not a manufacturing specification or a claim that a matching physical item already exists. Any physical bar must be requested separately under Section 9A.
NFT ownership and intellectual property
Owning an NFT gives the holder only the asset rights expressly recorded by its smart contract, metadata and module documents. It does not transfer ownership of TOKNIFY software, trademarks, templates, platform branding or unrelated intellectual property. Except for your underlying submitted content, TOKNIFY retains all platform rights. You may display or transfer the NFT for lawful personal or commercial purposes consistent with these Terms, but may not falsely imply endorsement, alter records deceptively or use TOKNIFY branding to issue unauthorized assets.
Transfers, burning and redemption
NFT transfers, marketplace escrow and purchases are blockchain transactions and may be irreversible. The current on-chain owner controls the NFT and assumes the rights, obligations and risks attached to it. A transfer or listing may cause the asset to disappear from the original user’s account view while remaining on-chain or held in marketplace escrow.
Where burn-to-redeem applies, only the current NFT owner may authorize redemption. Burning permanently destroys that NFT and releases only the backing recorded for that NFT to the eligible owner wallet. Redemption of one NFT does not affect another. Asset-specific modules may use different settlement mechanics, eligibility checks, delays, fees or legal transfer documents.
Physical gold fulfillment
The Physical Gold service is a separate fulfillment option for the current owner of an eligible minted TOKNIFY Gold NFT. The active interface requires the NFT to represent at least 1 gram, but we may change minimums, destinations, availability or compliance requirements before a request is accepted. The physical order is denominated in the exact gram weight displayed for the selected NFT. Unless expressly stated in the order, the manufactured bar is not promised to reproduce the NFT image, shape, artwork, message or engraving.
You must provide complete and accurate recipient, contact and delivery information and confirm that physical gold may lawfully be manufactured, exported, imported, delivered and possessed at the destination. You are responsible for destination taxes, customs duties, permits, declarations and charges unless the order expressly includes them. We may reject, hold or cancel a request before irreversible settlement where the destination, identity, address, sanctions, fraud, provider or legal checks cannot be satisfied.
A separate fulfillment fee is displayed and paid in a supported stablecoin before physical settlement. Once that fee is confirmed, you authorize the permanent burn of the selected NFT and transfer of its exact recorded XAU₮ backing to the configured physical-gold treasury. These blockchain transactions may be irreversible. After the burn, the NFT no longer exists as a live ownership claim and its backing cannot also be redeemed to your wallet. Do not approve the request unless the NFT, gram amount, fee, wallet and delivery information are correct.
Production, assay, packaging, insurance, carrier selection, delivery method, tracking and estimated timing depend on the active fulfillment provider and destination. Estimates are not guarantees. Cancellation or refund is not guaranteed after a stablecoin payment, NFT burn, treasury transfer, manufacturing work or third-party cost has been submitted or incurred, except where required by law or expressly confirmed for the order. Risk of delay, loss, damage, failed delivery and title transfer is governed by the delivery terms presented for the order and any mandatory consumer law.
TOKNIFY Marketplace
The Marketplace permits eligible live TOKNIFY NFTs to be offered at fixed prices in supported stablecoins, currently USDT or USDC on BNB Smart Chain. Public visitors may browse active listings and view available NFT certificates without signing in. Listing, cancelling and buying require the applicable account, wallet, ownership, balance and signature checks.
To list, the seller authorizes the marketplace contract to receive the NFT in escrow and confirms the payment token, gross price and listing expiry. The seller represents that the seller controls the NFT, may lawfully sell it, and has no conflicting transfer, redemption or physical-fulfillment commitment. The service may reject a price below its verified minimum. That minimum is intended to preserve the NFT’s current XAU₮-backed value after the listing’s snapshotted platform fee, but it is not an appraisal, price guarantee or promise against later market movement.
A successful purchase is atomic under the marketplace contract: the buyer’s supported stablecoin payment is collected, the recorded platform fee is paid, the remaining proceeds are transferred to the seller, and the escrowed NFT is transferred to the buyer. The buyer then becomes the on-chain owner of the NFT and the rights attached to it, including applicable redemption and physical-fulfillment rights. Confirmed purchases, token approvals, listings, cancellations and ownership transfers may be irreversible.
An unsold listing does not guarantee a sale, liquidity, profit or fair value. The seller may cancel an active or expired unsold listing through the marketplace contract and recover the NFT. New listings or purchases may be paused for security, legal, technical or operational reasons while cancellation remains available where the contract permits. Expiry does not itself guarantee automatic return; the seller may need to submit cancellation.
Before buying, review the NFT, certificate, backing quantity, seller-set price, payment token, platform fee, expiry and wallet. TOKNIFY does not act as your investment adviser, appraiser or guarantor and does not warrant seller pricing, future value, uninterrupted marketplace availability or that a listing will sell.
Prohibited use
You may not use TOKNIFY for unlawful activity, fraud, money laundering, sanctions evasion, market manipulation, infringement, deceptive asset claims, unauthorized securities offerings, stolen property, malware, service disruption, circumvention of limits, duplicate issuance, abusive automation or interference with smart contracts or other users. You may not misrepresent asset ownership, valuation, custody, identity or redemption rights. We may reject content, request verification, block unsupported activity or report suspected violations where permitted or required.
Material risk disclosures
RWA NFTs and digital assets involve substantial risk, including price volatility, stablecoin depegging, liquidity shortages, marketplace or escrow contract defects, listing-price error, failed or delayed purchase, token-approval risk, oracle or RPC failure, blockchain reorganizations, validator or bridge risk, cyberattack, wallet compromise, regulatory change, tax uncertainty, custody failure, incorrect metadata, asset-document disputes and permanent transaction loss. Physical fulfillment adds manufacturing, assay, storage, packaging, carrier, customs, delay, loss, damage, delivery and geographic-availability risks. Real estate and other legally registered assets may require off-chain title, licensing, custody, transfer or enforcement steps that an NFT alone cannot complete.
TOKNIFY is not a bank, deposit account, broker, exchange, investment adviser, fiduciary, insurer or guarantor. Nothing on the platform is investment, legal, accounting, valuation or tax advice, a promise of profit, or a representation that any NFT is a security or is exempt from regulation. Obtain independent professional advice.
Taxes, identity and regulatory compliance
You are solely responsible for determining and paying taxes, duties, reporting obligations and fees arising from purchase, receipt, ownership, transfer, redemption or disposal. We may require identity, source-of-funds, sanctions, geographic or beneficial-ownership information when law, risk controls, providers or an asset module requires it. Service may be delayed, limited or refused pending review.
Third-party services
The platform depends on independent services including WordPress, hosting, OpenAI, BNB Smart Chain, RPC providers, wallets, token issuers, decentralized exchanges, liquidity pools, explorers, asset custodians, refiners, manufacturers, assay providers, insurers, logistics providers, customs agents and carriers. Their terms, fees, availability and privacy practices apply separately. TOKNIFY does not control decentralized networks or guarantee third-party performance, token solvency, liquidity, data accuracy, manufacturing or delivery availability.
Availability, maintenance and force majeure
We may modify, pause or discontinue functions for maintenance, security, legal, liquidity or operational reasons. We do not guarantee uninterrupted or error-free access. We are not responsible for delay or failure caused by events beyond reasonable control, including network congestion, blockchain or provider failure, cyberattack, war, civil unrest, natural disaster, power or internet outage, government action, sanctions, market closure or asset-custodian failure.
Disclaimers
To the maximum extent permitted by law, TOKNIFY and all content, software, visualizations, contracts and services are provided “as is” and “as available.” We disclaim implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability and results. No communication creates a warranty not expressly stated in a signed module-specific agreement. Statutory rights that cannot lawfully be excluded remain unaffected.
Limitation of liability
To the maximum extent permitted by law, TOKNIFY and its affiliates, personnel and providers are not liable for indirect, incidental, special, exemplary, punitive or consequential loss; lost profit, opportunity, data, goodwill or anticipated savings; market movement; wallet compromise; user error; third-party failure; or irreversible blockchain activity. Our aggregate liability arising from a claim will not exceed the fees paid directly to TOKNIFY for the affected service during the six months preceding the event. This limitation does not apply where liability cannot legally be excluded or limited.
Indemnity
To the extent permitted by law, you will defend, indemnify and hold harmless TOKNIFY and its affiliates, personnel and providers from claims, losses, liabilities and reasonable costs arising from your content, breach of these Terms, violation of law or third-party rights, unauthorized asset claim, misuse of the service, or activity through your account or wallet, except to the extent caused by TOKNIFY’s non-excludable liability.
Suspension and termination
We may suspend or terminate access, cancel an unpaid request, refuse minting, freeze an off-chain workflow, or restrict new transactions when reasonably necessary for security, legal compliance, suspected abuse, inaccurate asset information or protection of users. On-chain transactions already finalized may not be reversible. Terms that by nature should survive—including ownership, risk, liability, indemnity, governing law and dispute provisions—remain effective.
Changes to services and Terms
We may update these Terms to reflect new modules, laws, risks, providers or functionality. The effective date will be updated and material changes may be announced on the site or through account contact details. Continued use after the effective date constitutes acceptance where permitted by law. A new asset order remains subject to the terms and module documents presented for that order.
Governing law and disputes
These Terms are governed by the International laws, without regard to conflict-of-law principles. Subject to any mandatory consumer rights, disputes are submitted exclusively to the competent courts of local jurisdiction.. Before filing a claim, each party should send written notice and allow 30 days for good-faith resolution. Nothing prevents either party from seeking urgent protective relief where legally available.
General terms
If any provision is invalid or unenforceable, it will be limited to the minimum extent necessary and the remainder will continue. Failure to enforce a provision is not a waiver. You may not assign these Terms without written consent; we may assign them in connection with restructuring, financing or transfer of the service. Headings are for convenience. These Terms, the Privacy Policy and applicable module documents form the entire agreement for the service and supersede prior statements on the same subject.
Contact and legal notices
Operator: TOKNIFY
Local jurisdiction.
Email: [email protected]
Legal notices should identify the account, wallet or order reference involved without including passwords, private keys or seed phrases.