Terms of Use

These Terms of Use govern access to the PayToCommit websites, docs surfaces, mobile-accessible pages, APIs, wallet services, Spark feeds, Commitment Network views, and any related support channels operated under the PayToCommit name.

By creating or using an account, funding a wallet, joining a pool, joining a Chain, submitting proof, posting to Spark, or using a PayToCommit API key, you agree to these terms and to the related policies referenced by them.

If you do not agree, do not use the service.

You must provide accurate account information and keep it current. PayToCommit may require identity, sanctions, fraud, age, or location checks before permitting funding, wallet withdrawals, developer access, or higher-risk activity.

PayToCommit may restrict or refuse access where a user, location, payment source, or activity pattern creates legal, compliance, operational, fraud, or safety risk.

• Accounts may not be shared or transferred without written authorization.
• You are responsible for activity that occurs through your account credentials or wallet session.
• PayToCommit may suspend, limit, or close an account where verification remains incomplete or unreliable.

A pool is a published commitment with a fixed deadline, proof window, challenge window, and payout rule. Every entrant is attempting to resolve completed. There is no public yes or no side.

A Chain links exactly two pools. Both legs must resolve completed for the Chain to finish clean. If either leg misses, the Chain fails. Chain payouts must remain fully funded by Chain participants and forfeitures.

You are responsible for reading the pool rules before joining. PayToCommit publishes rules pages as HTML product surfaces and those rules govern what counts.

Proof review begins with the published rules. PayToCommit uses autonomous multimodal verification and appeal workflows for disputed, incomplete, manipulated, or unclear outcomes.

If at least one entrant completes, PayToCommit captures twenty percent of the forfeited side before distributing the remaining forfeited balance to the completed side. If nobody completes, PayToCommit captures the full pool.

Once a dispute window closes and the final AI ruling is issued, the result is final except where PayToCommit later discovers fraud, compliance issues, technical failure, or a material rules conflict.

Wallet cash is the spendable balance used to join pools and Chains. Funding becomes available only after confirmation through the supported payment rails.

ACH funding is free. Card and instant funding charge 2.5 percent. Each commitment stake carries a 5 percent Sovereign Spark infrastructure fee.

PayToCommit may place holds, reverse credits, cancel payouts, or reduce wallet balances where funding is reversed, fraud is suspected, compliance review is pending, or a payout was issued in error.