PACT Labs Terms of Service

Last Updated: February 12, 2025

Welcome to Lucid Finance Inc., DBA Pact Labs (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our wallet and related technology services (the “Services”). By using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. Overview

Lucid Finance Inc., DBA Pact Labs provides both custodial and non-custodial wallet services on the Aptos blockchain. The non-custodial wallet enables users to manage digital assets and perform transactions, while the custodial wallet is used to hold certain financial assets, including but not limited to debt assets. We also facilitate access to regulated financial services provided by third parties, such as BitGo/Brassica custody and on/off-ramping, as well as decentralized services like DEX swaps and self-custody asset management. We do not hold, manage, or control user funds

2. Eligibility

• You must be at least 18 years old to use our Services.


• You must not be a resident of, or otherwise subject to restrictions under, OFAC-sanctioned countries or entities.


• Use of BitGo/Brassica custody and on/offramping requires full KYC verification through BitGo.

3. Wallet Services

• Our platform offers both custodial and non-custodial wallets. The custodial wallet is intended to hold certain financial assets, while the non-custodial wallet is used for transactions and holding other digital assets.


• Lucid Finance Inc., DBA Pact Labs does not store or recover private keys, mnemonics, or passwords for non-custodial wallets. Users are solely responsible for securing their credentials.


• Users creating new non-custodial wallets use Aptos Keyless accounts; those importing existing accounts do so at their own discretion and responsibility.

4. Third-Party Services

• Custody & On/Off-ramping: BitGo/Brassica provide custodial and fiat on/offramp services. You agree to their terms when using these services.


• DEX Swaps: We integrate the Panora router for decentralized token swaps. We do not execute, settle, or provide liquidity for trades.


• Debt Investments: Our platform provides reporting and transaction facilitation for regulated debt assets but does not act as an intermediary, take investments, or issue assets

5. Risks & Disclaimers

• Digital assets are volatile, and transactions may be irreversible. You assume full responsibility for your use of the Services.


• We do not provide financial, legal, or investment advice.


• We are not responsible for losses due to security breaches, blockchain network failures, or third-party service issues.

6. Compliance & Restrictions

• You agree to comply with all applicable laws and regulations.


• We reserve the right to restrict access to the Services for users in prohibited jurisdictions or those engaging in unlawful activities.

7. Termination

We may suspend or terminate your access to the Services at our discretion if you violate these Terms or engage in prohibited activities.

8. Limitation of Liability

To the maximum extent permitted by law, Lucid Finance Inc., DBA Pact Labs is not liable for any indirect, incidental, or consequential damages arising from your use of the Services.

9. Governing Law

These Terms are governed by the laws of the United States

10. Contact

For questions or support, contact us at admin@pactlabs.xyz.

By using the Services, you acknowledge that you have read, understood, and agreed to these Terms