Terms of
Service

By accessing or using AjoHive — including ajohive.xyz, the AjoHive wallet, the AjoHive Telegram bot, or joining the private beta — you agree to these Terms of Service. If you do not agree, please do not use AjoHive.

These terms apply to everyone who uses AjoHive. Some features may come with additional terms, which we will show you before you use them.

You must be at least 18 years old and legally able to enter into a binding agreement. You must not be located in, or a resident of, a jurisdiction where using AjoHive would be against the law.

We may limit or refuse access in certain jurisdictions, and we may ask you to verify your identity where the law requires it or where we reasonably need to protect you, other users or AjoHive.

AjoHive lets you hold USDG, ETH and BTC and choose what that capital does. There are two paths: Protect and Produce. AjoHive is not a bank, a deposit-taking institution or a licensed investment adviser, and nothing on AjoHive is financial, investment, tax or legal advice.

AjoHive does not promise any return simply for depositing. Where a return exists, it comes from trading fees paid by people using liquidity, as described below.

Capital you place in Protect is held in a Protection vault for the asset you chose and is not deployed into market liquidity. Your claim is denominated in that asset.

Protect keeps the amount of the asset, not its dollar value. The market price of ETH and BTC — and, in rare circumstances, of USDG — can move, and the value of your holding will move with it. Protect does not earn trading fees.

Capital you place in Produce joins a Productive vault for the asset you chose. The vault keeps part of its capital as a liquidity buffer and deploys the rest into a disclosed liquidity strategy managed by AjoHive. In return you receive vault shares representing your proportional claim on the vault.

Returns come only from trading fees paid by people using the liquidity. They depend on market activity, are not guaranteed and can be zero. Providing liquidity carries market risk: the value of your shares can fall, including below the amount you deposited.

You can request to withdraw at any time. Protect withdrawals return your chosen asset. Produce withdrawals redeem your shares for their value at the time of withdrawal, paid from the liquidity buffer where possible, or after the vault removes liquidity from the market where needed.

In abnormal market conditions, or to protect users and the system, AjoHive may temporarily pause new activity or delay withdrawals for as long as reasonably necessary. We will tell you if this happens.

Trading fees earned by a Productive vault are shared between the vault, a vault reserve and AjoHive, with the overwhelming majority going to the vault. The proportions, and any other fee that applies to a product, will be shown to you before you deposit.

You are responsible for any network or third-party fees that apply to moving assets into or out of AjoHive.

The new AjoHive wallet is opening through a private beta. Joining the beta registers your interest; it does not guarantee access by any date. Beta features may change, be limited, or be withdrawn, and may contain errors.

If you already use AjoHive’s existing app, your account continues under the terms that applied when you joined until we tell you otherwise.

You are responsible for keeping your sign-in methods secure, including your email account and any linked Google account. Anything done through your account is treated as done by you.

Tell us straight away at hello@ajohive.xyz if you believe your account has been accessed without your permission.

You must not use AjoHive to launder money, finance illegal activity, or move funds from illegal sources; evade sanctions or identity checks; manipulate markets or exploit pricing errors in bad faith; attack, reverse-engineer or overload the service or its contracts; or use automated tools to interfere with AjoHive or other users.

We may suspend or close accounts involved in these activities and report them to the relevant authorities.

Digital assets and smart contracts carry risk, including the risks described in our Risk Disclosure. You use AjoHive at your own risk.

To the maximum extent permitted by law, AjoHive and its officers, directors and employees are not liable for losses arising from market movements, smart contract flaws or exploits, failures of third-party protocols or infrastructure, stablecoin de-pegging, network outages, or your failure to keep your account secure. Where liability cannot be excluded, our total liability to you is limited to the fees AjoHive received from your activity in the three months before the claim.

These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute will be resolved by binding arbitration under the Arbitration and Mediation Act of Nigeria, seated in Lagos.

We may update these terms as AjoHive evolves. We will give you notice of material changes before they take effect, through the app, by email or on this page. Continuing to use AjoHive after that date means you accept the updated terms.