Terms & Conditions

Last updated: April 2026

1. Acceptance of Terms

These Terms & Conditions (the "Terms") govern your access to and use of the AccrueLabs platform operated at accruelabs.io (the "Service"), provided by AccrueLabs (the "Operator", "we", "our", "us"). By creating an account, depositing funds, or otherwise using the Service, you confirm that you have read, understood, and accepted these Terms, together with our Privacy Policy, Risk Disclaimer and Regulatory Notice, each of which is incorporated by reference.

If you do not agree to any part of these Terms, you must not use the Service.

2. Description of Service

AccrueLabs operates automated market-making ("MM") strategies on the MEXC Global exchange across multiple trading pairs. Users deposit supported crypto-assets into a shared pool; each pool is traded algorithmically around a neutral inventory target in a specific base / quote pair (for example XRP/USDT, and — as additional pools are launched — BTC/USDT, ETH/USDT or other supported pairs) and earns revenue from the bid–ask spread. Realised profits (net of fees) increase the pool's Net Asset Value ("NAV") and are credited to depositors pro rata to their share of the pool.

The Service is a technical tool that automates trading on the user's behalf through pre-funded platform sub-accounts on MEXC. We do not solicit investment, guarantee returns, provide investment advice, or offer regulated financial products.

The list of supported pools, their base / quote assets, and pool-specific parameters (capacity, minimum deposit, fee curve) is shown on the Pools page and may be updated as new pools are launched.

3. Eligibility

To use the Service you confirm that you:

  • are at least 18 years old and have full legal capacity;
  • are not a resident or citizen of any restricted jurisdiction listed in our Regulatory Notice;
  • are not subject to any applicable sanctions regime (EU, UN, UK, US OFAC, or equivalent);
  • will use the Service for your own account and not on behalf of an undisclosed third party;
  • comply with all laws of the jurisdictions applicable to you, including tax and anti-money-laundering obligations.

4. User Accounts

You must register with a valid email and a strong password. You are responsible for keeping your credentials confidential and for all activity occurring under your account. We strongly recommend enabling two-factor authentication (2FA). You agree to notify us immediately of any suspected unauthorised access.

We may suspend, restrict or terminate your account without notice if we reasonably believe you have breached these Terms, attempted to abuse the Service, provided false information, or if your activity poses a legal, reputational or security risk to the platform or other users.

5. Custody Wallets and Platform-Held Keys

On registration each user is assigned a dedicated custody wallet (ETH and XRP) derived from a hierarchical-deterministic (HD) wallet operated by the Platform. You acknowledge and accept that:

  • the private keys of your custody wallet are held and controlled by the Operator;
  • the Service is therefore a custodial service — you do not self-custody the assets held in your custody wallet or in the MM pool;
  • the Operator may automatically pre-fund approximately US$10 worth of ETH to each new custody wallet to cover ERC-20 gas costs; this amount is deducted from the displayed balance;
  • pool assets are held in platform-operated MEXC sub-accounts under the Operator's control.

6. Deposits

Deposits are funded from your custody wallet. The deposit flow is as follows:

  • You specify an amount in USDT, XRP, or both.
  • If the deposit is not already 50/50 by value, approximately half is converted to the other asset at the prevailing market price using a maker limit order.
  • The conversion is recorded and attached to your deposit record. If the conversion order is not filled within 60 seconds, it is cancelled and the deposit enters the pool in its original currency only.
  • Funds are then moved to the trading sub-account and begin earning yield once active.
  • Large deposits (greater than 10% of pool AUM) may be processed with a short delay to minimise impact on existing investors.

Deposits are subject to MEXC network confirmations and operational verification steps. Typical activation time is a few minutes; in exceptional circumstances it may be longer.

7. Withdrawals

Withdrawals are always paid out proportionally in both pool assets — approximately 50% USDT and 50% XRP by value at the prevailing market price at the moment of processing. Partial withdrawals burn a proportional fraction of your shares; a full exit burns all your remaining shares and closes your pool position.

You may only withdraw to addresses you control. XRP withdrawals support destination tags (memo). Minimum withdrawal amounts are defined per currency in line with MEXC network rules. Withdrawals may be delayed if the pool temporarily lacks liquidity on one side; in such cases the withdrawal is queued and processed at the next inventory rebalancing event.

We may request additional identity verification (KYC) before processing withdrawals above certain thresholds or when required by applicable law. See our Regulatory Notice for details.

8. Fees

The following fees apply to the Service:

  • Performance fee (pool): a dynamic fee between approximately 0.01% and 0.05% is charged on the notional volume of each position closed by the market-making algorithm. The exact rate within that range is derived from a fee curve calibrated to a target annualised net yield per pool. The fee is realised at position close, is deducted from the gross spread revenue, and the figures you see on the dashboard (NAV, yield, APY) are always net of this fee.
  • Flat withdrawal fee: a fixed US$2 fee is charged per successful withdrawal from a pool. The fee is deducted from the USDT leg of the payout (the XRP leg is always paid out in full). No fee is charged on deposits.
  • Network fees: on-chain withdrawals from your custody wallet to an external address are subject to standard blockchain network fees (gas / ledger reserve), which are deducted from the withdrawn amount at the rates charged by the underlying network and MEXC.

We may adjust fee parameters with reasonable prior notice. Any such change will be published on this page and, where material, communicated by email or in-platform notification before it takes effect.

9. Service Availability & Operational Risk

The Service is provided on an "as-is" and "as-available" basis. We aim for high availability but do not warrant uninterrupted or error-free operation. Trading may be paused or slowed automatically when the algorithm's risk controls detect abnormal inventory imbalance or market conditions. Under severe stress the engine may stop and only recovery orders are placed until a human operator confirms a restart; this is a feature designed to protect capital.

10. No Investment Advice

Nothing on the Platform constitutes investment, legal, tax or financial advice. Past performance is not indicative of future results. You are solely responsible for assessing whether the Service is suitable for you and, where appropriate, for seeking independent professional advice.

11. Limitation of Liability

To the maximum extent permitted by applicable law, the Operator, its affiliates, officers, employees and contractors shall not be liable for any indirect, incidental, special, consequential, punitive or exemplary damages, including loss of profits, loss of data, or loss of opportunity, arising out of or in connection with your use of the Service. Our aggregate liability for direct damages shall not exceed the total fees paid by you to the Operator during the twelve (12) months preceding the event giving rise to liability.

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable law, including liability for gross negligence, wilful misconduct or fraud.

12. Indemnification

You agree to indemnify and hold harmless the Operator, its affiliates, and their respective personnel from and against any claim, liability, loss, damage or expense (including reasonable legal fees) arising out of your breach of these Terms, your violation of any law, or your misuse of the Service.

13. Intellectual Property

All intellectual property rights in the Service, including software, UI, documentation, trademarks and data, remain the exclusive property of the Operator or its licensors. You are granted a personal, non-exclusive, non-transferable, revocable licence to access and use the Service in accordance with these Terms.

14. Governing Law & Dispute Resolution

These Terms and any dispute or claim arising from or in connection with them shall be governed by and construed in accordance with the laws of the Operator's home jurisdiction. The parties will attempt to resolve any dispute in good faith through direct negotiation first. If a dispute cannot be resolved informally within thirty (30) days, it shall be submitted to the competent courts of the Operator's home jurisdiction, subject to any mandatory consumer-protection rules of your place of residence.

15. Changes to These Terms

We may update these Terms from time to time. Material changes will be notified by email or a prominent in-platform notice at least seven (7) days before they take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not accept the updated Terms, you must stop using the Service and may withdraw your assets subject to the standard withdrawal process.

16. Entire Agreement

These Terms, together with the Privacy Policy, Risk Disclaimer and Regulatory Notice, constitute the entire agreement between you and the Operator in relation to the Service and supersede any prior communication.

17. Contact

For questions about these Terms, please contact us at [email protected].