By clicking "Accept" in the onboarding email, you agree to these Terms & Conditions in full. Acceptance is recorded with a timestamp, email address, and IP address as a legally binding proof of authority.
1. Parties & Definitions
These Terms & Conditions ("Agreement") are between ClawCash ("Provider") and you, the human account holder ("Owner"), governing the use of ClawCash credit services for your registered AI agent ("Agent").
Term
Definition
ClawCash
The revolving credit facility for AI agents provided by ClawCash at cash.clawlens.io.
ClawLens
The AI credit bureau at clawlens.io that scores and tracks agent repayment history.
Agent
The autonomous AI system registered under the Owner's account.
Credit Line
The maximum revolving credit available to the Agent, determined by tier.
Credit Draw
A single transaction in which the Agent uses credit to pay for an x402 service.
Bill
The monthly statement of all unpaid Credit Draws, generated on the 1st of each month.
x402 Protocol
The HTTP payment standard used by the Agent to pay for external API services.
Whitelisted Partner
An approved x402 endpoint that the Agent may access on credit.
2. Proof of Authority & Acceptance
By accepting these Terms via the email confirmation link sent to your registered address, you confirm that:
You are the human owner and authorised operator of the Agent.
You have the legal capacity to enter into a binding financial agreement under UAE law.
You authorise the Agent to draw credit on your behalf within the limits set by your current tier.
You accept full financial liability for all Credit Draws made by the Agent.
You understand that acceptance constitutes a legally binding agreement between you and ClawCash.
Acceptance is recorded with a timestamp, your email address, and IP address as proof of authority. This record is stored securely by ClawCash and may be used in dispute resolution.
3. Credit Facility & Tiers
ClawCash operates a revolving credit facility. Credit is not permanently consumed and it restores upon repayment. The credit limit available to your Agent is determined by its current tier.
Tier
Credit Line
Phase
Score Required
Notes
Tier 1
$1 USDC
Phase 1 - Identity
Identity score 40-69
Default for new agents
Tier 2
$3 USDC
Phase 1 - Identity
Identity score 70-89
Moderate identity confidence
Tier 3
$5 USDC
Phase 1 - Identity
Identity score >= 90
Highest identity-based tier
Tier 4
$8 USDC
Phase 2 - Credit Score
Credit score 650-749
First score promotion
Tier 5
$10 USDC
Phase 2 - Credit Score
Credit score 750-829
Strong repayment history
Tier 6
$15 USDC
Phase 2 - Credit Score
Credit score 830-900
Maximum credit line
A 3% transaction fee applies to every Credit Draw. Tiers are assigned and adjusted automatically by ClawLens based on identity and credit scores.
4. Billing & Repayment
Bills are generated on the 1st of each calendar month, covering all unpaid Credit Draws from the prior month.
Bills are delivered via email to the Owner's registered address with an itemised list and a payment link.
The payment window is 14 days from the bill date.
Payment is accepted in USDC via the x402 payment link provided in the Bill email.
Partial payments are accepted; the remaining balance stays outstanding and continues to accrue interest after Day 14.
Real-time repayments during a billing cycle restore available credit immediately.
5. Interest
No interest is charged during the 14-day payment window. If the bill remains unpaid after Day 14, a flat 30% interest rate is applied to the total outstanding balance. All unpaid draws within a month are treated as a single obligation.
Window
Rate
Status
Notes
0 - 14 days
0%
Grace Period
No interest charged - full grace period
Day 14 (if unpaid)
-
1st Delinquency
Filed to ClawLens; agent retains remaining credit; 30% interest begins
Day 14 onwards
30% flat
Interest Active
Applied to total outstanding bill balance until settled
Day 21 (if still unpaid)
-
2nd Delinquency + Freeze
Filed to ClawLens; no new credit draws permitted
Day 30 (if still unpaid)
-
Default
Agent suspended; reported to ClawLens; debt collection initiated
Interest is applied to the total outstanding bill balance, not per individual draw. Delinquency and default events are reported to ClawLens and directly affect the Agent's credit score and future tier eligibility.
6. Delinquency & Default
Day 14 - 1st Delinquency: Filed to ClawLens. The Owner is notified. The Agent retains access to whatever credit remains available. 30% flat interest begins accruing on the outstanding balance.
Day 21 - 2nd Delinquency + Freeze: A second delinquency report is filed. No new Credit Draws are permitted until the Bill is paid in full.
Day 30 - Default: The default is reported to ClawLens. The Agent is fully suspended. ClawCash reserves the right to engage third-party debt collection services.
Key principle: an unpaid bill does not immediately freeze the Agent. A freeze only occurs at Day 21. This gives Owners a fair window to repay while keeping agents operational.
7. Partner Whitelist
The partner whitelist applies only when the Agent is drawing on credit. Wallet-funded transactions are never restricted.
The whitelist is maintained solely by ClawCash and may be updated at any time.
When an Agent calls a credit-funded request, the target endpoint is checked against the whitelist.
Calls to non-whitelisted endpoints on credit are rejected and the Agent must use its own wallet for those.
Wallet-funded calls are never intercepted or restricted.
ClawCash is not liable for the availability, quality, or output of any whitelisted partner service.
8. Owner Responsibilities
The Owner is solely responsible for all Credit Draws made by the Agent, whether or not the Owner was aware of individual transactions.
The Owner must ensure the Agent's billing email is kept current and actively monitored.
The Owner must not attempt to circumvent credit limits, whitelist restrictions, or identity verification processes.
The Owner must promptly settle Bills to avoid delinquency and protect the Agent's credit score and tier eligibility.
9. Limitation of Liability
To the maximum extent permitted by applicable UAE law:
ClawCash is not liable for any indirect, incidental, or consequential damages arising from the use of ClawCash.
ClawCash's total liability to the Owner shall not exceed the total fees paid by the Owner in the 3 months preceding the claim.
ClawCash is not liable for losses caused by the Agent's autonomous decisions or third-party service failures.
ClawCash is not liable for any failure or delay caused by circumstances beyond its reasonable control.
10. Amendments
ClawCash may amend these Terms at any time. Material changes will be communicated via email to the Owner's registered address with at least 7 days' notice. Continued use of ClawCash after the effective date of an amendment constitutes acceptance of the revised Terms.
11. Governing Law & Dispute Resolution
This Agreement is governed by the laws of the United Arab Emirates. Any disputes arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of Dubai, UAE, except where mandatory consumer protection laws in the Owner's jurisdiction provide otherwise.
The parties agree to attempt good-faith resolution of any dispute within 30 days before initiating formal proceedings.
