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Last updated: April 29, 2026
Important: Non-Custodial Software Service
1NCBlockchain is a non-custodial software platform. We do not custody, hold, store, or transmit fiat currency or cryptocurrency on your behalf. All fiat conversions, exchange execution, and asset custody are performed by licensed third parties (Stripe, Alpaca, Kraken, Coinbase, Kalshi, Transak, Ramp, Plaid) who hold the relevant licenses in your jurisdiction. You connect your own accounts via API keys you provision; those keys are encrypted client-side before reaching our servers. The 1NCBlockchain platform is a software interface and analytics layer over your own accounts, not a money services business.
By accessing or using 1NCBlockchain ("the Platform"), you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions, you must not access or use the Platform.
1NCBlockchain is a software platform that connects North Carolina's 100 counties through a unified blockchain interface. The Platform itself does not custody assets or transmit money; it is an interface, an analytics layer, and a developer toolkit over services you connect to it. The Platform provides:
You must be at least 18 years of age to use the Platform's financial services, including buying, selling, or trading cryptocurrency. By using these services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. Educational features (DeFi College) are available to users of all ages.
Certain tokens and simulated assets used in educational features of the Platform exist on test networks and may have no real monetary value outside the Platform. These are for educational and community engagement purposes. The Platform's live production token is Cardinal Coin (NCCC), a single-chain ERC-20 deployed on Base mainnet.
The Platform supports buying and selling select cryptocurrencies (such as ETH) through integrated third-party providers. These are real digital assets with real monetary value, and transactions involving them are irreversible once confirmed on the blockchain.
The Platform exposes a software interface to licensed third-party providers, including Transak, Ramp, Alpaca, Kraken, Coinbase, and Kalshi. Fiat-to-crypto conversion, crypto-to-fiat conversion, banking, and order execution are performed entirely by those providers under their own licenses. 1NCBlockchain is not a party to those transactions, does not hold customer funds at any point, and does not act as a money transmitter. When you use these services, you are also agreeing to the terms of service and privacy policies of those providers.
All identity verification (Know Your Customer / Anti-Money Laundering) is performed by our third-party providers under their licenses. The Platform may surface a verification flow (for example via Persona or the third-party's own UI), but 1NCBlockchain itself does not collect or store regulated identity data beyond what is required to associate you with your provider account.
1NCBlockchain may charge a software-as-a-service platform fee for use of features such as the AI Trading Agent or the AI Provider Keys system. This fee is denominated in 1NC platform tokens or USD as disclosed at the point of charge, and is separate from any execution fees charged by the underlying providers. Fees are displayed before confirmation and are non-refundable once a transaction has been initiated.
Settlement times depend on the provider used. Subscription payments settle on the Base blockchain typically within seconds of transaction confirmation. Crypto fills on Kraken, Coinbase, and Alpaca settle on the provider's schedule. 1NCBlockchain does not control these timelines and is not responsible for delays caused by third-party providers, banks, or blockchain network congestion.
If a transaction fails at the provider, the provider's own refund policy applies. 1NCBlockchain does not hold the underlying funds and therefore cannot directly issue refunds for failed third-party transactions. Platform fees charged by 1NCBlockchain for software services rendered are non-refundable, except where a clear platform malfunction can be demonstrated.
Nothing on this Platform constitutes financial, investment, tax, or legal advice. The educational content in DeFi College and all market data displayed on the Platform are for informational purposes only. Cryptocurrency markets are highly volatile, and you may lose some or all of your investment. You should consult qualified professionals before making any financial decisions.
By using the Platform's financial services, you acknowledge and accept the following risks:
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate information during registration and to update it as necessary. You must immediately notify us of any unauthorized use of your account. You may not create multiple accounts or share your account with others.
You agree not to:
The Platform, including its code, design, content, and educational materials, is owned by 1NCBlockchain and protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.
By submitting content to the Platform (including project submissions, governance proposals, and forum posts), you grant 1NCBlockchain a non-exclusive, worldwide, royalty-free license to use, display, and distribute that content within the Platform.
The Platform is provided "as is" and "as available" without warranties of any kind, express or implied. To the maximum extent permitted by law, 1NCBlockchain shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform, including but not limited to:
You agree to indemnify, defend, and hold harmless 1NCBlockchain and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of the Platform, your violation of these Terms, or your violation of any applicable law or regulation.
We reserve the right to suspend or terminate your access to the Platform at any time, with or without cause, and with or without notice, including if we suspect fraudulent activity or violation of these Terms. Upon termination, your right to use the Platform will immediately cease. Any pending transactions may be cancelled, and applicable refunds (if any) will be processed in accordance with Section 5.5.
Any dispute arising from or relating to these Terms or the Platform shall first be attempted to be resolved through good faith negotiation. If the dispute cannot be resolved within thirty (30) days, it shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in North Carolina.
We may modify these Terms at any time. We will provide notice of material changes through the Platform or via email. Continued use of the Platform after changes constitutes acceptance of the modified terms. If you do not agree with the updated terms, you must stop using the Platform.
These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, United States, without regard to its conflict of law provisions.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
For questions about these Terms of Service, please contact us at support@1ncblockchain.com or visit our governance page.