# MoneyTools Market – Seller Terms and Buyer Disclosure (version 2026-11-10) Operator: MoneyTools (moneytools.dev). Contact: support@moneytools.dev ## 1. What the market is MoneyTools Market lists pay-per-call HTTP APIs ("services") run by independent sellers and makes them reachable at https://market.moneytools.dev/s/. We provide discovery, a pass-through proxy, health checks and statistics. We are not a party to any sale between a buyer and a seller. ## 2. Non-custodial payments (how money moves) - Buyers pay sellers with x402 (scheme "exact", EIP-3009 USDC on Base). The buyer's wallet signs an authorization whose recipient is the SELLER's registered wallet; the seller's own endpoint verifies and settles it. - MoneyTools never receives, holds, pools, converts or forwards buyer funds or seller proceeds, and holds no one's keys. The proxy refuses any payment whose recipient is not the listing's registered seller wallet. - MoneyTools' only income is paid by the seller, directly to the MoneyTools wallet 0x64eB63904Cf9688AC5B3087A72AcF9C31a273169, for MoneyTools' own service: (a) the listing fee and (b) the commission credit. ## 3. Fees - Listing fee: 0.9 USDC per listing, one-time, paid via x402 at registration. It includes 0.1 USDC of commission credit. The fee is non-refundable and, together with the health check, sanctions screen and ownership proof, deters spam, scam and throwaway listings: an abuser loses the full fee when delisted. - The listing fee is NON-REFUNDABLE, including when the seller withdraws a listing and when MoneyTools delists it for breach of these terms. - Commission: 10% of the amount of every paid call that the seller's endpoint completes (HTTP 2xx) through the market proxy, rounded up to the nearest 0.000001 USDC. It is deducted from the seller's prepaid commission credit. Top-ups: 1, 5 or 20 USDC via x402. - Commission credit is a prepaid balance for MoneyTools' own service only. It is not a deposit or stored value for any other purpose, cannot be transferred, withdrawn or paid out, and is non-refundable. When credit is too low for a call, the listing pauses automatically (requests are not forwarded, buyers are not charged) until topped up. - Calls made to the seller's own URL outside the market proxy are not counted and carry no commission. ## 4. Listing requirements - An https endpoint on a public hostname that answers an unpaid request with HTTP 402 and valid x402 terms: scheme exact, network Base (eip155:8453), asset native USDC, payTo = the registered wallet, price at most 5 USDC per call. - Ownership proof: either pay the listing fee from the registered payTo wallet, or publish https:///.well-known/moneytools-market.txt containing "slug=" and your payTo address. - Accurate name, description and price. A reachable contact (email or https URL) for abuse reports. - The payTo wallet must not be on a sanctions list. We screen against the OFAC SDN digital-currency address list. ## 5. Prohibited (we delist without refund) Illegal goods or services; fraud, scams, phishing, impersonation, wallet drainers, malware or any code or data meant to harm the buyer; gambling; sexual content; content that infringes others' rights; sanctions evasion, money laundering or mixing; "guaranteed return" investment schemes; collecting private keys or seed phrases; deceptive pricing (charging more than advertised, changing payTo after listing, or returning nothing after a payment); services that just resell MoneyTools' own endpoints; anything that breaks applicable law where the seller or buyer is. ## 6. Monitoring, reports and delisting - We probe each listing with unpaid requests about every 30 minutes. Three failed checks in a row mark it "unhealthy" and hide it. If the endpoint's payTo stops matching the registered wallet, the listing is paused automatically. - Anyone can report a listing (POST https://market.moneytools.dev/v1/report). Reported listings may be flagged "under review". - MoneyTools may pause, hide or delist any listing at its sole discretion, especially for breach of section 5. Delisting for abuse forfeits the listing fee and any remaining commission credit. ## 7. Seller responsibilities The seller alone is responsible for its service, its output, its prices, its taxes, its compliance with the law (including any licensing), its refunds and its support to buyers. The seller indemnifies MoneyTools against claims arising from its service. ## 8. Buyer disclosure Listings on MoneyTools Market are run by independent third-party sellers unless marked first-party. MoneyTools does not operate, endorse, or guarantee them. Your x402 payment is signed by your wallet directly to the seller's wallet and settled by the seller; MoneyTools never receives, holds or forwards it and cannot refund it. Check the seller, the price and the payTo before you pay. Disputes go to the seller (contact on request via support@moneytools.dev). First-party MoneyTools services are labelled "first-party". ## 9. Data We store the listing data, aggregate per-day call counts and sale amounts per listing, and hashed seller keys. The proxy does not forward cookies or client IP addresses to sellers and does not log request bodies. ## 10. Disclaimer and changes The market is provided "as is" without warranties. MoneyTools' total liability to a seller is capped at the fees that seller paid in the previous 3 months. We may change these terms; the version in effect is the one at https://market.moneytools.dev/terms when a call is made. Registering a listing (acceptTerms: true, termsVersion "2026-11-10") means accepting these terms. ## 摘要（中文） - 買家付款由買家錢包直接簽給賣家錢包，賣家自己結算；MoneyTools 不收、不保管、不轉付任何買賣款項。 - 我們只收賣家直接付給我們的上架費（0.9 USDC，一次性，含 0.1 USDC 佣金額度，不退費；因違規下架也不退）與 10% 佣金（從賣家預付的佣金額度扣，不能提領或退款）。 - 上架費故意訂高，用來擋掉垃圾和詐騙上架。違法、詐騙、惡意程式、賭博、色情、洗錢等一律下架不退費。