# Welcome to WLFI Docs Welcome to the **World Liberty Financial documentation**, the official source for understanding, building with, and navigating the products, tools, and governance of World Liberty Financial. World Liberty Financial bridges traditional financial infrastructure with blockchain innovation, creating accessible, transparent, and scalable solutions for a new era of digital finance. This documentation is intended for developers, integrators, researchers, and community members seeking to understand the World Liberty Financial ecosystem. *** ## Our mission World Liberty Financial is focused on simplifying and expanding access to financial services by combining the reliability of legacy finance with the openness of decentralized systems. We build on-chain financial products designed to support users, institutions, and partners while advancing the next generation of digital financial infrastructure. Our core objectives include: * Bridging traditional finance and decentralized finance * Supporting reliable and scalable stablecoin infrastructure * Enabling accessible and efficient capital markets * Simplifying adoption of decentralized financial systems *** ## What you will find here This documentation is organized to provide a comprehensive overview of the World Liberty Financial ecosystem: * **Products**\ Documentation for World Liberty Financial products and tools, including **USD1**, our flagship stablecoin * **Ecosystem Overview**\ Platform architecture, system design, and integrations * **Governance and Tokenomics**\ Governance mechanisms and the WLFI token * **Guides and Use Cases**\ Explanatory guides and practical usage examples * **Policies and Disclosures**\ Legal, compliance, security, and risk-related documentation *** ## Quick links * **Website:** [https://www.worldlibertyfinancial.com](https://www.worldlibertyfinancial.com/) * **X (Twitter):** * **LinkedIn:** * **Telegram:** * **Medium:** * YouTube: *** ## Important disclosures This documentation may reference evolving products, protocols, and governance mechanisms. Features, terms, and availability may change over time. WLFI does not provide investment, legal, regulatory, tax, or compliance advice, and you should consult qualified professionals regarding your specific circumstances # Glossary A comprehensive list of terms used throughout the World Liberty Financial ecosystem and their corresponding descriptions. *** ## General terms | Term | Description | | ------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **DeFi** | Decentralized Finance. A financial system built on blockchain technology that operates without traditional intermediaries like banks. | | **Smart Contract** | Self-executing code deployed on a blockchain that automatically enforces the terms of an agreement. WLFI Markets, USD1, and WLFI all operate through smart contracts. | | **Wallet** | A digital application that stores your private keys and allows you to interact with blockchain networks. Examples include MetaMask, Phantom, Binance Wallet, and OKX Wallet. | | **Web3** | The next generation of the internet built on decentralized blockchain technology, enabling users to own and control their data and assets. | | **EVM** | Ethereum Virtual Machine. The runtime environment for smart contracts on Ethereum and compatible networks. | | **Gas Fee** | The cost paid to execute transactions on a blockchain network. Gas fees are paid in the native currency of the network (e.g., ETH on Ethereum). | | **Transaction** | An action recorded on the blockchain, such as supplying, borrowing, withdrawing, or repaying assets. | *** ## WLFI Markets | Term | Description | | ----------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **WLFI Markets** | A non-custodial DeFi interface that allows users to access Dolomite, a third-party protocol, to supply digital assets and access liquidity through collateralized borrowing. All core functionality is provided by the Dolomite protocol. | | **Dolomite** | The decentralized protocol that powers WLFI Markets. Dolomite handles all asset movements, lending logic, collateralization rules, and liquidations. | | **Non-custodial** | A system where users retain full control of their assets at all times. WLFI Markets never takes custody of user funds. | | **Dashboard** | The main interface in WLFI Markets where users can view their positions, access third party protocols to supply and borrow assets, and monitor their collateral ratio. | *** ## Supply and lending | Term | Description | | ----------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Supply** | The action of supplying digital assets with third party providers, such as Dolomite, through WLFI Markets to earn rewards and enable borrowing. Supplied assets become part of the liquidity pool. | | **Liquidity Pool** | A shared pool of assets where suppliers provide liquidity that borrowers can access through overcollateralized positions. The pool is managed by decentralized smart contracts. | | **Supply Rate** | The reward rate that suppliers earn on their supplied assets. Supply rates vary by asset and adjust dynamically based on utilization. | | **Total Supplied** | The total amount of a specific asset being supplied to Dolomite through the WLFI Markets interface across all users. | | **Available Liquidity** | The difference between total supplied and total borrowed assets, representing what is available for borrowing or withdrawal. | | **Utilization Rate** | The percentage of total supplied assets that are currently being borrowed. Higher utilization leads to higher rates. Calculated as: Total Borrowed ÷ Total Supplied × 100%. | *** ## Borrowing | Term | Description | | --------------------- | -------------------------------------------------------------------------------------------------------------------------------------- | | **Borrow** | The action of taking out a loan by using supplied assets as collateral. Borrowed assets are sent directly to your wallet. | | **Borrow Rate** | The rate paid on borrowed assets. Borrow rates vary by asset and increase as utilization increases. | | **Borrow Position** | An active loan where you have borrowed assets against your collateral. Your position tracks the borrowed amount and accumulated rates. | | **Borrow Power** | The maximum amount you can borrow based on your collateral value and the liquidation threshold of your assets. | | **Borrow Power Used** | The percentage of your available borrowing capacity currently in use. | | **Total Borrowed** | The total amount of a specific asset being borrowed across all users on WLFI Markets. | | **Total Debt** | The total USD value of all your borrowed assets across all positions. | *** ## Collateral and risk | Term | Description | | ------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Collateral** | Assets you supply to third-party providers, such as Dolomite, through WLFI Markets that back your borrow positions. Collateral ensures lenders can be repaid if a loan isn't repaid. | | **Collateral Ratio** | A metric indicating the safety of your borrow position. Calculated as: Total Collateral Value ÷ Total Borrowed Value. A ratio above 1.0 is safe; below 1.0 triggers liquidation. | | **Liquidation Threshold** | The maximum borrowing ratio at which your position becomes eligible for liquidation. For example, an 85% threshold means you can borrow up to 85% of your collateral's value. | | **Liquidation** | The process that occurs when your collateral ratio drops below 1.0. A portion of your collateral is sold to repay lenders and cover the liquidation penalty. | | **Liquidation Penalty** | A fee applied when a position is liquidated. This penalty disincentivizes risky positions and rewards liquidators. | | **Margin Ratio** | A parameter used for margin calculations that affects borrowing capacity. | | **Margin Requirement** | The minimum collateralization level required to maintain a position. The default margin requirement is 117.65% (85% liquidation threshold). | *** ## Withdrawing and repaying | Term | Description | | -------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Withdraw** | The action of removing previously supplied assets from third-party providers, such as Dolomite, through WLFI Markets back to your wallet. Withdrawals are subject to available liquidity and collateral requirements. | | **Repay** | The action of paying back borrowed assets to reduce your debt. Repaying improves your collateral ratio and frees up collateral for withdrawal. | | **Remaining Supply** | The amount of supplied assets that will remain in the protocol after a withdrawal. | | **Remaining Debt** | The amount of borrowed assets that will remain outstanding after a repayment. | *** ## Rates and rewards | Term | Description | | --------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Rate** | The percentage earned on supplied assets (supply rate) or paid on borrowed assets (borrow rate). Rates are dynamic and adjust based on market conditions. | | **Net Rate** | The combined effect of all supply and borrow positions on your net worth, including incentives. A positive net rate means you're earning more than paying; negative means the opposite. | | **Net Worth** | The total USD value of your supplied assets minus your borrowed assets. | | **Rewards** | Earnings accumulated on supplied assets based on the current supply rate. | | **Borrow Rate Model** | The algorithm that determines how borrow rates adjust based on utilization. Rates increase as utilization increases to balance supply and demand. | *** ## E-Mode (efficiency mode) | Term | Description | | ------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **E-Mode** | Efficiency Mode. A feature that enables higher capital efficiency when borrowing correlated assets (e.g., stablecoins against stablecoins). E-Mode applies more favorable liquidation thresholds. | | **E-Mode Category** | A grouping of correlated assets that qualify for E-Mode benefits. WLFI Markets provides access to third party protocols that support Stablecoin E-Mode and Ethereum-correlated E-Mode. | | **Stablecoin E-Mode** | An E-Mode category for positions containing only USD-pegged stablecoins (USD1, USDC, USDT). Enables higher borrowing power for stablecoin-to-stablecoin positions. | | **Ethereum-correlated E-Mode** | An E-Mode category for positions containing only ETH and ETH-derivative assets. Enables higher borrowing power for ETH-related positions. | | **Correlated Assets** | Assets whose prices tend to move together, such as different stablecoins pegged to the same currency. | *** ## Markets and assets | Term | Description | | ------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Market** | An instance of a specific token within the liquidity pool accessed through WLFI Markets. Each market has its own risk parameters, rates, and configurations. | | **Market ID** | A numerical identifier used to reference a market. Markets are referenced by IDs rather than token addresses for efficiency and stability. | | **Oracle** | A service that provides external data (such as asset prices) to smart contracts. WLFI Markets and Dolomite uses Chainlink oracles for accurate, manipulation-resistant pricing. | | **Oracle Price** | The price of an asset as determined by the protocol's price oracle. Used to value collateral and calculate borrowing limits. | | **Supply Cap** | The maximum total amount of an asset that can be supplied to third party protocols accessed on WLFI Markets. | | **Borrow Cap** | The maximum total amount of an asset that can be borrowed from third party protocols accessed on WLFI Markets. | | **Collateral Only** | An asset that can be supplied as collateral but cannot be borrowed. These assets typically earn yield from external sources. | | **Risk Parameters** | Settings that govern each market's behavior, including liquidation threshold, margin ratios, and caps. Set by [Dolomite governance](https://docs.dolomite.io/dolomite-governance). | *** ## Supported assets | Term | Description | | --------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **USD1** | World Liberty Financial's USD-backed stablecoin redeemable by eligible users on a 1:1 basis for the U.S. dollar. Issued by BitGo and backed by U.S. cash, short term U.S. government treasuries, U.S. government money market funds, and other cash equivalents. | | **USDC** | USD Coin. A stablecoin issued by Circle, pegged 1:1 to the U.S. dollar. | | **USDT** | Tether USD. A stablecoin issued by Tether, pegged 1:1 to the U.S. dollar. | | **ETH** | Ethereum. The native cryptocurrency of the Ethereum blockchain. | | **WETH** | Wrapped Ether. An ERC-20 token representation of ETH. When you supply ETH to WLFI Markets, it's automatically wrapped to WETH. | | **cbBTC** | Coinbase Wrapped Bitcoin. An ERC-20 token representation of Bitcoin on the Ethereum blockchain, issued by Coinbase. | | **WLFI** | World Liberty Financial governance token. Used to participate in governance of the WLF Protocol. | *** ## USD1 stablecoin | Term | Description | | ----------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Stablecoin** | A cryptocurrency designed to maintain a stable value, typically pegged 1:1 to a fiat currency like the U.S. dollar. | | **Peg** | The target value that a stablecoin aims to maintain. USD1 is pegged 1:1 to the U.S. dollar. | | **Backing** | The reserves that support a stablecoin's value. USD1 is backed 100% by a reserve containing short term U.S. government treasuries, U.S. government money market funds, and other cash equivalents. | | **BitGo** | The regulated digital asset custodian that issues, mints, and redeems USD1. BitGo also provides custody and technical infrastructure. | | **Attestation Reports** | Periodic reports confirming that USD1's reserves match or exceed the circulating supply. Published by independent third parties. | | **Minting** | The process of creating new stablecoin tokens. USD1 can be minted by BitGo when eligible users deposit equivalent USD reserves. | | **Redemption** | The process of exchanging stablecoins for the underlying fiat currency. Eligible BitGo customers can redeem USD1 for USD. | | **Multichain** | The ability for a token to exist on multiple blockchain networks. USD1 is deployed across 11+ blockchain networks. | *** ## USD1 Points Program | Term | Description | | ------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **USD1 Points** | A non-transferable participation metric that tracks engagement with USD1 across supported platforms. Points are not tokens, do not represent monetary value, and cannot be traded. | | **Points Accrual** | The process of accumulating USD1 Points through eligible activities such as supplying USD1 on WLFI Markets or other applicable third-party providers. | | **Participation Metric** | A measure of user engagement based on certain activities subject to change and does not represent yield, or financial return. | *** ## WLFI governance token | Term | Description | | -------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **$WLFI** | The governance token of World Liberty Financial. The sole purpose of WLFI is to participate in governance of the WLF Protocol. | | **Governance** | The process by which token holders propose, discuss, and vote on matters that shape the protocol's direction and evolution. | | **Governance Power** | The ability to create proposals or vote in governance, based on the amount of WLFI tokens held. | | **Voting Power** | The amount of influence a user has in governance decisions, determined by their WLFI holdings. Capped at 5% of total supply per holder. | | **Proposal** | A suggested change, initiative, or action submitted by a token holder for community review and voting. | | **Snapshot** | A record of token ownership taken when a proposal is approved for voting. Only holders in the snapshot can vote on that proposal. | | **Quorum** | The minimum number of tokens that must be voted for a proposal to pass. Set at 1,000,000,000 WLFI tokens. | | **Forum** | The platform where governance discussions and proposal development take place. Available at [governance.worldlibertyfinancial.com](https://governance.worldlibertyfinancial.com/). | | **Multi-Sig** | Multi-signature wallet. A wallet that requires multiple approvals to execute transactions. Used to administer the WLF Protocol. | *** ## Token supply and unlock | Term | Description | | ---------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------- | | **Total Token Supply** | The total number of tokens ever minted. WLFI has a fixed supply of 100,000,000,000 tokens. | | **Outstanding Token Supply** | The total token supply minus tokens held in treasury by World Liberty Financial. | | **Votable Token Supply** | The outstanding supply reduced by tokens held by persons whose holdings exceed the 5% voting cap. | | **Token Unlock** | The process by which early purchasers can access their WLFI tokens according to a defined schedule. | | **Unlock Schedule** | The timeline determining when purchased tokens become available for transfer. Initial unlock is 20%, with the remaining 80% determined by governance. | | **Unlocking** | A schedule that releases tokens gradually over time rather than all at once. | | **Cliff** | The point at which tokens first become available to claim. The initial cliff for WLFI was September 1, 2025. | | **Claim** | The action of transferring unlocked tokens from the unlocking contract to your wallet. | *** ## Wallet and connection | Term | Description | | ------------------------- | -------------------------------------------------------------------------------------------------------------------------------- | | **Connect Wallet** | The process of linking your Web3 wallet to WLFI Markets to interact with the protocol. | | **Sign In With Ethereum** | A standard for authenticating users by signing a message with their Ethereum wallet, proving ownership. | | **Signature Request** | A prompt to sign a message in your wallet. Used for authentication and accepting terms of service. | | **EIP-712** | An Ethereum standard for signing structured data. Used for the Terms of Service acceptance on WLFI Markets. | | **Token Approval** | Permission granted to a smart contract to spend a specific token from your wallet. Required before supplying or repaying assets. | | **Allowance** | The amount of tokens a smart contract is authorized to spend on your behalf. | *** ## Blockchain and networks | Term | Description | | ---------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------- | | **Ethereum** | A decentralized blockchain platform that supports smart contracts. WLFI Markets currently operates on Ethereum Mainnet. | | **Ethereum Mainnet** | The primary Ethereum network where transactions occur. | | **ERC-20** | The standard for fungible tokens on Ethereum. USD1, WLFI, and most assets on WLFI Markets follow this standard. | | **BEP-20** | The token standard on Binance Smart Chain, similar to ERC-20. | | **SPL** | The token standard on the Solana blockchain. | | **Chainlink** | A decentralized oracle network that provides price feeds and other external data to smart contracts. | | **CCIP** | Cross-Chain Interoperability Protocol. Chainlink's solution for secure cross-chain token transfers. Used by USD1 and WLFI for multichain support. | | **Block Confirmation** | The process of a transaction being included in a block and validated by the network. More confirmations mean higher transaction finality. | | **Block Explorer** | A tool for viewing blockchain transactions, addresses, and smart contracts. Etherscan is the primary explorer for Ethereum. | *** ## Activity and transactions | Term | Description | | ----------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Activity** | A record of all transactions performed by your wallet linked to third party providers accessed on WLFI Markets, including supplies, borrows, withdrawals, and repayments. | | **Transaction History** | A chronological list of all your interactions with third party protocols on WLFI Markets, viewable on the Activity page. | | **Transaction Hash** | A unique identifier for a blockchain transaction. Used to look up transaction details on a block explorer. | | **Export** | The ability to download your transaction history in CSV or JSON format for record-keeping or analysis. | *** ## Security and compliance | Term | Description | | -------------------- | ------------------------------------------------------------------------------------------------------------------------- | | **Terms of Service** | The legal agreement users must accept to use WLFI Markets. Accepted by signing an EIP-712 message on first use. | | **Audit** | A security review of smart contract code by independent third parties to identify vulnerabilities. | | **Risk Disclosures** | Important information about the risks associated with using DeFi protocols and holding digital assets. | | **GENIUS Act** | A U.S. legislative framework for stablecoin standards that USD1 is intended to comply with. | | **KYC** | Know Your Customer. Identity verification processes required by regulated entities. May apply to certain USD1 activities. | *** ## Additional resources * [WLFI Markets Overview](https://github.com/worldliberty/public-docs/blob/main/wlfi-markets/overview.md) * [WLFI Markets Concepts](https://github.com/worldliberty/public-docs/blob/main/wlfi-markets/concepts.md) * [USD1 Information](/usd1-token/what-is-usd1) * [WLFI Governance](/wlfi-token/wlfi-governance) * [Dolomite Documentation](https://docs.dolomite.io) # What is USD1? USD1 is the flagship stablecoin of World Liberty Financial and redeemable on a 1:1 basis for the U.S. dollar. USD1 is intended to support stable value transfer, settlement, and integration across on-chain and traditional financial systems. It is designed to be used across a range of financial applications while maintaining a focus on security, transparency, and compliance. *** ## Backing and reserves USD1 is backed by cash, U.S. government money market funds, and other cash equivalents. The reserve structure is designed to support a 1:1 peg to the U.S. dollar. All reserve assets backing USD1 are held or maintained by BitGo. To support transparency, attestation reports related to USD1's reserves are published on a regular basis: * [USD1 Attestation Reports](/usd1-token/attestation-reports) * [Proof of Reserves](https://por.worldlibertyfinancial.com/) * [World Liberty Financial USD1](https://worldlibertyfinancial.com/usd1) * [BitGo USD1 Attestations](https://www.bitgo.com/usd1-attestations/) *** ## Issuance and custody USD1 is issued and minted by **BitGo**, a regulated digital asset custodian and stablecoin issuer. BitGo is responsible for the issuance, custody, minting, and redemption of USD1, subject to applicable regulatory and compliance requirements. World Liberty Financial does not issue or custody USD1 directly. *** ## Multichain USD1 is designed to be available across multiple blockchain networks, enabling interoperability and broad usage across supported platforms and applications. Supported networks and deployed contract addresses are documented and maintained in the World Liberty Financial documentation. * [USD1 Integrations](https://worldlibertyfinancial.com/multichain) * [Contract Addresses](/usd1-token/contract-addresses) *** ## Compliance and transparency USD1 is designed to operate within established regulatory and compliance frameworks, including alignment with the **GENIUS Act** stablecoin standards. Access to minting and redemption is subject to issuer onboarding, verification, and approval requirements. Custody, reserve management, and operational practices are handled by BitGo in accordance with applicable regulations and compliance obligations. Eligible customers of BitGo may redeem USD1 for an equivalent amount of USD directly from BitGo. Other holders of USD1 may be able to exchange USD1 via the various exchanges, platforms, and regulated custodians that have agreed to support the exchange of USD1 for USD, subject to their terms and eligibility requirements. *** ## Learn more * [World Liberty Financial USD1 overview](https://worldlibertyfinancial.com/usd1) * [BitGo USD1](https://www.bitgo.com/usd1/) # Attestation reports USD1 reserve attestation reports are published monthly to ensure transparency into the backing of USD1 stablecoin. {% hint style="success" %} **Transparent. Secure. Stable.** USD1 is 100% backed by U.S. cash, U.S. government money market funds, and other cash equivalents, to help ensure stability and liquidity at all times. You can also check the [Proof of Reserves](https://por.worldlibertyfinancial.com/) for live on-chain data. {% endhint %} *** ## Trust & verification | Feature | Description | | ------------------------------ | --------------------------------------------------------------- | | ✅ **Regular Reports** | Monthly proof of reserves published for transparency | | ✅ **Fully Redeemable** | USD1 is redeemable for USD | | ✅ **Independent Verification** | Reports prepared in accordance with AICPA attestation standards | *** ## Monthly reports USD1 reserve holdings are disclosed by management on a monthly basis. An independent accounting firm examines management's assertion regarding the presentation and disclosure of USD1 redeemable tokens outstanding, the related redemption assets, and their comparison, in accordance with the **2025 AICPA Criteria for Asset-Backed Fiat-Pegged Tokens**. {% hint style="info" %} Reports are prepared in accordance with the attestation standards of the **American Institute of Certified Public Accountants (AICPA)**. {% endhint %} {% tabs %} {% tab title="2026" %} | Month | Status | Report | | ------------ | ----------- | -------------------------------------------------------------------------------------------------------------------------- | | **January** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_January_2026.pdf?version=0) | | **February** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_February_2026.pdf?version=0) | | **March** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_March_2026.pdf) | | **April** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_April_2026.pdf?version=0) | | **May** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_May_2026.pdf) | | **June** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_June_2026.pdf) | | {% endtab %} | | | {% tab title="2025" %} | Month | Status | Report | | ------------- | ----------- | -------------------------------------------------------------------------------------------------------------------------- | | **April** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_April_2025%20.pdf) | | **May** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_May_2025.pdf) | | **June** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_June_2025.pdf) | | **July** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_July_2025.pdf) | | **August** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_August_2025.pdf) | | **September** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_September_2025.pdf) | | **October** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_%20October_2025.pdf) | | **November** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_November_2025.pdf) | | **December** | ✅ Published | [View Report](https://landing.bitgo.com/rs/552-OGK-141/images/USD1_Reserve_Attestation_Report_December_2025.pdf?version=0) | | {% endtab %} | | | | {% endtabs %} | | | *** ## Provided by BitGo USD1 is issued by [BitGo](https://www.bitgo.com), a digital asset infrastructure leader in digital asset security, custody, and liquidity. {% embed url="" %} BitGo USD1 Attestations Page {% endembed %} *** ## About the attestation process {% tabs %} {% tab title="What is attested?" %} The attestation reports verify: * **USD1 tokens outstanding** - Total circulating supply of USD1 * **Redemption assets** - U.S. cash, U.S. government treasuries, U.S. government money market funds, and other cash equivalents backing USD1 * **Comparison** - Verification that reserves meet or exceed tokens in circulation {% endtab %} {% tab title="Who performs the attestation?" %} An **independent accounting firm** examines management's assertions regarding USD1 reserves. The examination is conducted in accordance with: * AICPA Attestation Standards * 2025 AICPA Criteria for Asset-Backed Fiat-Pegged Tokens {% endtab %} {% tab title="How often?" %} Attestation reports are published **monthly** to ensure ongoing transparency and trust in the USD1 stablecoin ecosystem. {% endtab %} {% endtabs %} # Proof of Reserves USD1 Proof of Reserves is a live transparency dashboard that provides an on-chain view of reserve-related data for USD1. It is designed to complement our monthly attestation reports by showing current reserve and supply data sourced from public blockchains and an on-chain Chainlink oracle. ### **Live dashboard** {% embed url="" %} {% hint style="info" %} Proof of Reserves is intended to improve transparency through near real-time visibility. For formal monthly reporting, please refer to the [**Attestation Reports**](/usd1-token/attestation-reports) page. {% endhint %} ### **How it works** The dashboard reads reserve data from a **Chainlink oracle on Ethereum**. It also aggregates USD1 supply across supported networks using on-chain contract or token-supply reads, depending on the chain. The collateralization ratio is then calculated by comparing the reported reserves against the tracked total supply. ### **What the dashboard shows**
The Proof of Reserves dashboard includes: * **Total reserves backing USD1** * **Collateralization ratio** * **Total USD1 supply** * **Supply by network** * **Oracle contract information**, including the Chainlink oracle address and update metadata ### **Open Source Code** Want to verify reserves yourself? Clone the repo. Run the dashboard. Inspect the code. {% embed url="" %} ### **Legal Disclaimer** {% hint style="warning" %} Accuracy of data is not guaranteed and provided for informational purposes only. For official reserve reports, visit [worldlibertyfinancial.com/usd1](https://worldlibertyfinancial.com/usd1) {% endhint %} ### Learn more: * [USD1 Attestation Reports](/usd1-token/attestation-reports) * [World Liberty Financial USD1](https://worldlibertyfinancial.com/usd1) * [BitGo USD1 Attestations](https://www.bitgo.com/usd1-attestations/) # Minting USD1 is issued and minted through **BitGo**, the official issuer and custodian of the USD1 stablecoin. Minting USD1 is available to eligible users and institutions directly through BitGo and is subject to BitGo’s onboarding, compliance, and approval requirements. World Liberty Financial does not facilitate or process USD1 minting requests. ## Where to mint USD1 USD1 minting is handled exclusively by BitGo. For information on eligibility, onboarding, and minting requests, visit: {% embed url="" %} {% hint style="info" %} **Important Notes** * USD1 minting and issuance are managed by BitGo, not World Liberty Financial * Access to minting is subject to BitGo’s terms, policies, and regulatory requirements * World Liberty Financial does not control approval decisions, availability, or minting conditions {% endhint %} # Contract Addresses USD1 is available on multiple leading blockchain networks, enabling seamless cross-chain transactions and integrations. {% hint style="success" %} **Multichain Support** USD1 is deployed across 11 blockchain networks with more integrations on the way. {% endhint %} *** ## Official contract addresses {% hint style="warning" %} **Security Notice** Always verify contract addresses before interacting with them. Only use the official addresses listed below to avoid scams and fraudulent tokens. {% endhint %} ### EVM-compatible networks
NetworkStandardContract AddressExplorer
EthereumERC200x8d0d000ee44948fc98c9b98a4fa4921476f08b0dEtherscan
Binance Smart ChainBEP200x8d0d000ee44948fc98c9b98a4fa4921476f08b0dBscScan
PlumeERC200x111111d2bf19e43c34263401e0cad979ed1cdb61Plume Explorer
AB CoreARC200x111111d2bf19e43c34263401e0cad979ed1cdb61AB Explorer
MonadERC200x111111d2bf19e43c34263401e0cad979ed1cdb61MonadVision
MantleERC200x111111d2bf19e43c34263401e0cad979ed1cdb61Mantle Explorer
MorphERC200x111111d2bf19e43c34263401e0cad979ed1cdb61Morph Explorer
XLayerERC200x111111d2bf19e43c34263401e0cad979ed1cdb61OKLink Explorer
### Non-EVM networks
NetworkStandardContract AddressExplorer
SolanaSPLUSD1ttGY1N17NEEHLmELoaybftRBUSErhqYiQzvEmuBSolscan
TRONTRC20TPFqcBAaaUMCSVRCqPaQ9QnzKhmuoLR6RcTronScan
AptosFungible Asset0x05fabd1b12e39967a3c24e91b7b8f67719a6dacee74f3c8b9fb7d93e855437d2Aptoscan
*** ## Token details | Property | Value | | ------------ | --------------------------------------------- | | **Symbol** | USD1 | | **Name** | USD1 | | **Decimals** | 18 (EVM) / Varies by network | | **Type** | Stablecoin | | **Backing** | 100% backed by U.S. cash and cash equivalents | *** ## Cross-chain transfers USD1 supports cross-chain transfers via Chainlink CCIP (Cross-Chain Interoperability Protocol), enabling secure and seamless movement of tokens between supported networks. {% hint style="info" %} **Coming soon** Additional blockchain integrations are continuously being added. Check back regularly for updates. {% endhint %} # USD1 Points Program ## Introduction The USD1 Points Program is a loyalty-style program designed to recognize users who hold or use USD1 across certain platforms. USD1 Points are a participation metric that may support future program features as the ecosystem expands. They reflect your ongoing engagement with USD1. *** ## What are USD1 Points? USD1 Points are non-transferable points used to track participation in USD1-related activities across supported platforms. USD1 Points: * Are not a cryptocurrency or digital asset * Are platform-specific and non-transferable * Cannot be traded, sold, or moved between platforms or accounts USD1 Points are intended to be a participation metric. *** ## How are USD1 Points earned? Users may accrue USD1 Points by participating in eligible USD1-related activities. Supported activities and eligibility may vary by platform. Examples of activities that may be eligible include: * Supplying USD1 through WLFI applications * Holding USD1 balances on certain platforms * Trading USD1 pairs on participating exchanges * Staking USD1 on eligible third-party platforms * Using USD1 in certain DeFi protocols Eligibility, point calculations, and update frequency may be determined by each platform and may change over time. Participation does not guarantee points accrual. *** ## How to earn USD1 Points on WLFI Markets Users may accrue USD1 Points on WLFI Markets by supplying and holding USD1 through WLFI Markets’s integration with the Dolomite protocol. The following conditions apply: * A minimum of 1,000 USD1 must be supplied * USD1 must remain supplied to the Dolomite protocol * Points accrue based on the amount of USD1 supplied and maintained over time * Points update continuously based on the supplied USD1 balance * There is no staking, locking, or claiming process USD1 Points earned through third party providers on WLFI Markets are calculated based on participation and are not guaranteed. Accrual is subject to Dolomite protocol rules, asset support, and ongoing eligibility. WLFI Markets does not control or modify Dolomite’s lending, borrowing, or risk mechanics. All protocol-level behavior is determined by Dolomite. *** ## Where are USD1 Points displayed? USD1 Points are displayed on the platform where they are earned. * Points earned through WLFI applications are viewable within the respective WLFI application * Points earned through third-party platforms are displayed and managed directly on those platforms USD1 Points must be viewed and, where applicable, used on the platform where they are earned, subject to that platform’s terms and conditions. *** ## Partner programs USD1 Points may be earned through select platforms that support USD1 activity. Each program may define: * Eligible activities * Point calculation methods * Reporting and display rules * Any applicable benefits provided by the platform Program availability and participation may vary based on platform terms and jurisdiction. *** ## Platform-specific rules USD1 Points are platform-specific, non-transferable, and subject to the rules of the platform where they are earned. Any use of points, where applicable, must follow the terms and conditions of the issuing platform. *** ## Important notes and limitations {% hint style="info" %} **Important Notes** * USD1 Points are intended as a participation metric only * Participation does not guarantee points accrual * Program rules may change over time * Availability may vary by platform and jurisdiction {% endhint %} # USD1 Risk Disclosures {% hint style="warning" %} **Updated on:** March 3 2026 {% endhint %} We summarize certain risks you should consider when deciding whether to purchase, hold, redeem or otherwise dispose of USD1. By purchasing, holding, redeeming, using or otherwise disposing of USD1, you acknowledge that you have read and understand these risks. You should not purchase, hold, redeem, use, or otherwise dispose of USD1 unless you understand the associated risks. The below risks include some of the principal risks of USD1, but do not and cannot describe every risk or consideration associated with USD1. Risks of purchasing, holding, redeeming, using and otherwise disposing of USD1 include, but are not limited to, the following: *** ## USD1 is not legal tender and is not government backed USD1 is not money or legal tender. USD1 is not issued, backed, or guaranteed by any government and, consequently, some of the protections that apply to fiat currencies do not apply to USD1. USD1 is not required by law to be accepted as legal payment for goods and services and financial obligations. USD1 holders may transfer, trade, hold, or use USD1 only with persons that accept USD1. ## USD1 does not benefit from deposit insurance protections USD1 is not subject to deposit insurance protection, including, but not limited to the Federal Deposit Insurance Corporation insurance, or the Securities Investor Protection Corporation or any other governmental or non-governmental insurer. Accordingly, any loss you experience may not be offset by insurance payments or at all. ## There are limitations on the ability to redeem USD1 All reserve assets backing USD1 are held or maintained by BitGo Trust Company, Inc., a South Dakota-chartered trust company, and/or by BitGo Technologies LLC, a federally registered money services business and state-licensed money transmitter ("**BitGo**"). BitGo issues USD1. Only eligible BitGo customers can redeem USD1 directly with BitGo. BitGo processes all initial purchases and redemptions of USD1 and provides related technical infrastructure and services. BitGo holds the equivalent value of one U.S. Dollar ($1) in segregated accounts, on behalf of and for the benefit of USD1 holders, for each USD1 that is issued by BitGo and remains in circulation. The ability of eligible persons to redeem a U.S. Dollar ($1) for each USD1 is conditional on (i) your possession of a corresponding amount of USD1 associated with a valid registered USD1 Account, (ii) your ongoing compliance with BitGo's Terms of Use, and (iii) the absence of any action by a regulator, law enforcement or a court of competent jurisdiction that would restrict redemption. ## Reserves may be subject to liquidity risks Although BitGo seeks to ensure that the majority of its reserves are held in liquid assets (such as cash and U.S. Government Money Market Funds.), there can be no assurance that the value or liquidity of the reserves will always be sufficient to meet redemption requests as and when made. If the reserve assets decline in value or become illiquid, it could impair the ability to honor redemptions at par value. Changes in interest rates or yield on reserve assets can affect profitability and reserve adequacy. A rapid spike in USD1 redemption requests may outpace liquidity, leading to delays, forced asset sales, or a run on USD1. As a consequence, it is possible that the redemption of USD1 may be deferred or suspended in certain circumstances. ## Reserves are held at or through financial institutions which are subject to various risks BitGo relies on financial institutions and intermediaries to hold cash, cash equivalents, and other assets forming part of the reserves. Such reserves held at or through financial institutions or intermediaries may be subject to the risk of loss, theft, insolvency, and governmental or regulatory freezes and seizures. Furthermore, these parties have their own policies and may change their view or acceptance of USD1 or BitGo or World Liberty Financial LLC and its affiliated entities and persons (the "**WLFI Parties**"), which could affect the ability of BitGo to access its reserves at any time. Financial institutions or intermediaries may refuse to process funds for digital asset transactions, process wire transfers to or from digital asset trading platforms, companies or service providers, or maintain accounts for persons or entities transacting in digital assets. This may result in delays and other barriers to the transfer, redemption and sale of your USD1. You should be aware of these risks at all times. ## No security interest in USD1 Your right to request redemption of your USD1 is a contractual right with BitGo and does not represent a security interest in favor of a holder of USD1. Following the issuance of USD1, BitGo's only obligation to any holder is to redeem USD1 subject to the applicable USD1 terms, and BitGo has no other obligation. ## USD1 trading on secondary markets are subject to market risk Secondary market prices for USD1 can fluctuate and be unpredictable due to a variety of factors. There is no assurance that USD1 will maintain its value in the future or that USD1 may be accepted for payments or other purposes by other parties. USD1 may trade at, above or below the value of a U.S. Dollar for which such token is redeemable. The market price of USD1 in secondary markets could fluctuate in response to conditions in those markets irrespective of the value of the U.S. Dollar underlying USD1. The amount of the discount or premium in the market price for USD1 relative to a U.S. Dollar for which USD1 is redeemable may be affected by trading activity in USD1, the ease and costs of redemption, and other factors. BitGo and the WLFI Parties cannot control how third parties value USD1. ## You alone bear the risks of using USD1 on third party platforms Third parties may offer or provide services, platforms, content, features, products, websites or services or applications, exchange functionality, offers and promotions in connection with USD1, with or without our approval. We may also make third party services available to you. However, our inclusion or promotion of third party services does not reflect a sponsorship, endorsement, approval, investigation, verification, certification or monitoring of such third party services or their validity, legal reliability, or suitability for any parties, person, or purpose. Your acquisition of third party services, and any exchange of data between you and any such party, is solely between you and such party. We do not guarantee the security or functionality of any third-party software or technology and are not responsible for any losses of USD1 due to the failure of third-party software or technology. We do not warrant third party services in any way. Under no circumstances will we have any liability for your usage of third party services. ## Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the use, transfer, exchange, and volume of USD1 The regulatory status of cryptocurrency, including stablecoins like USD1, and blockchain technology is unclear or unsettled in many jurisdictions. Interpretations of existing laws and regulations as well as legislative and regulatory changes or actions at the U.S. state, U.S. federal, or international level may adversely affect the minting, use, transfer, redemption and/or value of USD1, and impose restrictions on issuers and other parties. Depending on jurisdiction and structure, stablecoins may be classified as securities, commodities, or other regulated instruments, subjecting USD1 and related entities and persons to additional licensing and compliance obligations. BitGo or the WLFI Parties may be required to obtain money transmitter licenses, e-money licenses, or other regulatory approvals in one or more jurisdictions, and failure to secure or maintain these licenses could severely impact our operations and the minting, use, transfer, redemption and/or value of USD1. You are responsible for complying with all applicable law related to your use, purchase, transfer, holding, redemption or other disposition of USD1. You agree that you are solely responsible for determining whether or which laws may apply to your transactions, including tax laws. You are solely responsible for reporting and paying any taxes arising from your use of USD1 including any accurate reporting of the tax or legal status of USD1 in your jurisdiction. ## We reserve the right to block and freeze USD1 addresses BitGo reserves the right to deny access to certain USD1 addresses and, if such addresses are USD1 custodied addresses, freeze associated USD1 (temporarily or permanently) that BitGo determines, in its sole discretion, are associated with illegal activity or activity that otherwise violates the applicable USD1 terms. In the event that you send USD1 to such a blocked address, or receive USD1 from a blocked address, BitGo may freeze such USD1 and take steps to terminate your USD1 Account. In certain circumstances, BitGo or WLFI Parties may deem it necessary to report such suspected illegal activity to applicable law enforcement agencies and you may forfeit any rights associated with your USD1, including the ability to redeem USD1 for U.S. Dollars. BitGo or WLFI Parties may also be forced to freeze USD1 and/or surrender associated reserves in the event any party receives a legal order from a valid government authority requiring it to do so. BitGo or WLFI Parties reserve the right to block the transfer of USD1 to and from any address on chain. ## Transactions are irreversible and any losses due to fraudulent or accidental transactions may not be recoverable When USD1 is sent to a third party USD1 address, such transaction is irreversible, and neither BitGo nor the WLFI Parties will have the ability to reverse or recall any transaction once initiated. Sending USD1 to another address automatically transfers and assigns to that USD1 holder, and to any subsequent holder, the right to redeem USD1 for U.S. Dollar. A non-exhaustive list of examples of possible risks and losses may include: (i) an address may have been entered incorrectly and the true owner of the address may never be discovered, (ii) you may not have (or subsequently lose) the private key associated with such address, (iii) an address may belong to an entity that will not return the USD1, or (iv) an address belongs to an entity that may return the USD1 but first requires action on your part, such as verification of your identity. Losses due to accidental or fraudulent transactions may not be recoverable. You alone bear all responsibility for any losses that might be incurred as a result of sending USD1 to an incorrect or unintended USD1 address. ## Risks of encumbrances Like most property, USD1 can be used as collateral for an indebtedness. It is therefore possible that USD1 you acquire (other than directly from the issuer) is subject to a security interest granted by the transferor or a prior owner. ## Software protocols and operational challenges You are aware of and accept the risk of operational challenges. USD1 and the related entities and parties may experience sophisticated cyber-attacks, unexpected surges in activity, or other operational or technical difficulties that may cause interruptions to the issuance, redemption, or transfer of USD1. You understand that the USD1 related services may experience security breaches or operational issues, which could lead to delays in redeeming USD1 or loss of funds. Employees, contractors, or integrated service providers may inadvertently or maliciously compromise the system or expose vulnerabilities. USD1 issuance and redemptions may rely on smart contracts, which are subject to bugs, exploits, or malicious attacks. Interruptions in platform services, blockchain network congestion, or downtime can affect users ability to transact and redeem USD1, impacting credibility and utility. You agree to accept the risk of USD1 transaction failure resulting from unanticipated or heightened technical difficulties, including those resulting from sophisticated attacks. You agree not to hold BitGo or the WLFI Parties accountable for any related losses. ## No advice is being provided by the BitGo or the WLFI Parties BitGo and the WLFI Parties do not provide investment, portfolio management, legal, accounting, tax or other advice, or advice with respect to trading techniques, models, algorithms, or any other advice. All information provided in connection with your access to and use of USD1 is for informational purposes only and should not be construed as professional advice. You should not take, or refrain from taking, any action based on any information contained on the website or any other information that we may make available at any time. Before you make any financial, legal, or other decisions involving USD1, you should seek independent professional advice from an individual who is licensed and qualified in the area for which such advice would be appropriate. ## The interests of the BitGo and the WLFI Parties may differ from those of USD1 holders The interests of the BitGo and the WLFI Parties may differ from those of USD1 holders. BitGo and the WLFI Parties benefit from net fees earned from interest on the reserves backing USD1. Because BitGo and the WLFI Parties may seek to maximize earnings on reserves, and USD1 holders are not entitled to those earnings, their interests may diverge. From time to time, BitGo and the WLFI Parties may also enter into agreements or transactions with persons who are related parties, and which differ from the interests of USD1 holders. ## Continued adoption of USD1 as a stablecoin is subject to a variety of risks The stablecoin market is highly competitive. Dominant players with significant capital, distribution and brand awareness already exist, and new stablecoins are being introduced rapidly. Stablecoins also compete with other means of holding or using dollars or dollar-based assets including bank accounts and money market funds. Such competition could limit adoption of USD1, and adversely affect the value and utility of USD1. Continued adoption may depend on exchanges, market makers, businesses and others deciding to support USD1. However, such adoption could be limited for a number of reasons, including without limitation, litigation or regulatory activity, adverse media attention, political perceptions or developments, the use of USD1 for illicit or objectionable ends and collapses or a crisis involving digital assets, trading platforms other stablecoins, or lending protocols. Such factors could limit the adoption of stablecoins in general or USD1 in particular. *** {% hint style="info" %} Please note that the reserve assets backing USD1 are held or maintained by BitGo Trust Company, Inc., a South Dakota-chartered trust company, and/or by BitGo Technologies LLC, a federally registered money services business and state-licensed money transmitter ("**BitGo**"). BitGo also provides other services related to USD1, and you should reference BitGo's [Stablecoin Terms](https://www.bitgo.com/usd1/terms) to determine the terms applicable to your use of USD1. While we make references to BitGo on this page, nothing on this page should be construed as representing the views of BitGo or as superseding BitGo's own terms and disclosures with respect to any USD1-related services provided by BitGo. {% endhint %} # Tokenomics This page provides a comprehensive overview of the $WLFI token supply structure, allocation, and distribution. *** ## Total supply $WLFI launched with an initial supply of **100,000,000,000 WLFI** (100 Billion Tokens). {% hint style="info" %} **Current Total Supply: \~99,946,076,584 WLFI** {% endhint %} *** ## Token allocation The initial 100 billion $WLFI tokens were allocated across four main categories: | Category | Percentage | Amount (WLFI) | | ----------------------------- | ---------- | ------------------- | | Token Sale | 33.893% | 33,893,000,000 | | Community Growth & Incentives | 32.6% | 32,600,000,000 | | Co-Founder Allocation | 30% | 30,000,000,000 | | Team and Advisors | 3.507% | 3,507,000,000 | | **Total** | **100%** | **100,000,000,000** | *** ## Token allocation details
Token Sale (33.893%) **33,893,000,000 WLFI** A significant plurality of the $WLFI tokens were allocated to token sales to eligible participants, enabling widespread participation in the WLF Protocol's decision-making and growth. **Public Sale** Between approximately October 14, 2024 and March 14, 2025, WLFI tokens were sold to participants at prices of $0.015 and $0.05 per token, raising a total of $550 million. | Sale Round | Price per Token | Tokens Sold | | --------------------- | --------------- | ------------------ | | Round 1 | $0.015 | 20,000,000,000 | | Round 2 | $0.05 | 5,000,000,000 | | **Total Public Sale** | | **25,000,000,000** | **Other Token Sales** The remaining \~8.893 billion tokens from the Token Sale allocation were sold to other parties, including strategic investors and institutional participants. **Unlock Schedule** For details on unlocking your tokens, see [Unlock $WLFI](/wlfi-token/unlock-wlfi).
Community Growth & Incentives (32.6%) **32,600,000,000 WLFI** This allocation is reserved for expanding participation in governance of the WLF community and for building the WLF Protocol. It includes: * Ecosystem development and partnerships * Liquidity provision * Marketing initiatives * Treasury reserves for future development and operations
Co-Founder Allocation (30%) **30,000,000,000 WLFI** This allocation is for DT Marks, AMG, and WC Digital Fi, LLC. These tokens are locked at launch with an unlock schedule to be determined.
Team and Advisors (3.507%) **3,507,000,000 WLFI** This allocation enables the core team, advisors, service providers, and personnel who have contributed or will contribute to the WLF Protocol's development. These tokens are locked at launch with an unlock schedule to be determined.
## Why this structure matters {% hint style="info" %} **Transparency & Trust** Clear and accurate supply data is essential for all participants in the ecosystem, from community members and token holders to exchanges and partners. {% endhint %} *** ## Additional resources * [Unlock $WLFI](/wlfi-token/unlock-wlfi) - Unlock your tokens from the public sale * [Trade WLFI](/wlfi-token/trade-wlfi) - Learn how to trade $WLFI tokens * [WLFI Governance](/wlfi-token/wlfi-governance) - Understand governance rights and participation * [Contract Addresses](/wlfi-token/contract-addresses) - Official $WLFI smart contract addresses * [Risk Disclosures](/wlfi-token/wlfi-risk-disclosures) - Important risk information # $WLFI Governance ## Overview The sole purpose of the **WLFI token** is to participate in governance of the World Liberty Financial Protocol (the **“WLF Protocol”**). WLFI enables token holders to propose, discuss, and vote on governance matters that help shape the direction and evolution of the protocol. WLFI is not intended for use outside of governance. Token holders who do not plan to participate in governance should carefully consider whether holding WLFI is appropriate. Governance of the WLF Protocol follows a structured process consisting of proposal submission, community review, and voting. *** ## Governance process WLFI governance follows a structured process designed to promote transparency and informed decision-making. 1. **Proposal submission**\ WLFI token holders may submit proposals outlining suggested changes, initiatives, or actions related to the World Liberty Financial ecosystem.\ [Submit proposal on forum](https://governance.worldlibertyfinancial.com/) 2. **Review and discussion**\ Submitted proposals enter a review phase where the community can discuss, ask questions, and provide feedback prior to voting.\ [Review proposal on forum](https://governance.worldlibertyfinancial.com/) 3. **Voting**\ After the review period, WLFI token holders may vote on proposals. Voting power is proportional to the amount of WLFI held by each participant.\ [Vote on Snapshot](https://vote.worldlibertyfinancial.com/) *** ## Discussion and proposal forums Governance discussions and informal proposal development take place on the **World Liberty Financial Forum**, available at: Participation in the Forum is open to the public and is not limited to WLFI token holders. The Forum is intended for discussion, feedback, and non-binding “temperature checks.” No voting occurs on the Forum, and activity on the Forum does not determine voting outcomes. *** ## Formal proposals and screening Formal governance proposals are submitted through Snapshot at: Only users who own and custody votable WLFI tokens may submit proposals for voting. All proposals are screened by World Liberty Financial LLC prior to being approved for voting. The Company reserves the right to disallow any proposal that, if implemented, would create an unreasonable legal, contractual, or security risk, as defined in its governing documents. Decisions regarding proposal eligibility are made at the Company’s discretion and are final. *** ## Voting mechanics Voting on governance proposals occurs off-chain via Snapshot, allowing token holders to vote without incurring gas fees. Voting results are recorded and verifiable. Key voting mechanics include: * A snapshot of token ownership is taken when a proposal is approved for voting * Only token holders included in the snapshot are eligible to vote * Most proposals are single-choice votes, though ranked-choice voting may be used when appropriate * The standard voting period is approximately two weeks, subject to change in certain circumstances *** ## Voting thresholds and limits Governance voting is subject to the following constraints: **Quorum and approval**\ A proposal requires a minimum quorum of **1,000,000,000 WLFI tokens voted** and approval by a majority of the tokens cast. These thresholds may be modified over time through governance. **Voting power cap**\ No single token holder may vote more than **5,000,000,000 WLFI tokens**, representing 5 percent of the total token supply.\ If a holder controls more than this amount across one or multiple wallets, voting power will be capped at 5,000,000,000 tokens. **Treasury tokens**\ Tokens held in treasury by World Liberty Financial are not votable. *** ## Token supply definitions For governance purposes, the following supply definitions apply: * **Total token supply**\ The total number of WLFI tokens ever minted. Fixed at 100,000,000,000 tokens. * **Outstanding token supply**\ The total supply minus tokens held in treasury by World Liberty Financial. * **Votable token supply**\ The outstanding supply reduced by tokens held by persons or affiliates whose holdings exceed the 5 percent voting cap. The votable token supply is variable and may change over time. World Liberty Financial reserves the right to adjust voting mechanics to preserve the intended 5 percent voting limitation. *** ## Implementation and non-binding nature Approval of a governance proposal does not guarantee implementation. Execution of approved proposals is subject to technical feasibility, security review, legal considerations, and operational constraints. Participation in WLFI governance does not grant ownership, management rights, fiduciary duties, or control over World Liberty Financial. Governance outcomes are intended to inform protocol direction but are not binding in all circumstances. *** ## Custody and voting through third parties Token holders who custody WLFI through a third-party provider should consult their custodian regarding voting eligibility, procedures, and limitations. *** ## Learn more [Governance FAQs](/resources/faq#wlfi-governance) # Unlock $WLFI The Unlock feature allows early supporters who purchased WLFI tokens during the initial sale rounds to unlock their tokens according to a defined schedule. This page explains everything you need to know about the unlock process, eligibility, and how to claim your tokens. ## Overview Between approximately **October 14, 2024 and March 14, 2025**, WLFI tokens were sold to participants at prices of $0.015 and $0.05 per token. These tokens were initially non-transferable and held in participants' wallets. On around **September 1, 2025**, twenty percent (20%) of tokens purchased during these rounds became available for unlocking. To access these tokens, eligible participants must sign a Token Unlock Agreement and complete the activation process. Following the initial 20% unlock, on or around May 6, 2026, the WLFI community passed a governance proposal establishing a structured unlock schedule for all remaining locked tokens. If you have not yet completed the first unlock (20%), you can follow the [#step-by-step-tutorial](#step-by-step-tutorial "mention") ### Early Supporter Unlock - Key Points * **Early Supporter Eligibility**: Only participants from the $0.015 and $0.05 sale rounds * **Agreement Required**: You must sign the Token Unlock Agreement and Terms of Service to start unlocking | **Initial Unlock (20%)** | 20% of your allocation became available on or about September 1, 2025 | | --------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Remaining 80%** | Will be unlocked according to the terms decided by the community through the [governance proposal](https://vote.worldlibertyfinancial.com/#/proposal/0x7389a30748bf921066fba2d63281e34718b141cef9f54fcb4ed5cd4566f94873) | | **Total early supporter tokens subject to this schedule** | 17,043,666,558 WLFI | | **Unlock type** | 2-year cliff, then 2-year linear unlock | | **Tokens begin unlocking** | Year 2 from proposal passing date | | **Fully distributed by** | Year 4 from proposal passing date | {% hint style="info" %} Accepting this unlock schedule is opt-in. Holders who do not affirmatively accept will continue to have their tokens locked indefinitely and retain the ability to use all their tokens for governance participation, subject to the terms of any future unlock proposals. No tokens are burned under the Early Supporter schedule. {% endhint %} {% hint style="info" %} Founders, Team members, advisors, and certain other token holders are subject to a [different unlock schedule](#founders-team-members-and-advisors). {% endhint %} ## Am I eligible? You are eligible for the early supporter unlock feature if you: 1. Purchased WLFI tokens during the public sale between approximately October 14, 2024 and March 14, 2025 2. Participated in either the $0.015 or $0.05 price rounds 3. Still hold the tokens in the original wallet that received them 4. Have not transferred beneficial ownership of your wallet or tokens If you did not participate in the original token sale, you cannot use the unlock feature. To acquire WLFI tokens, you can [trade on supported exchanges](/wlfi-token/trade-wlfi). ## How unlocking works ### Smart contract architecture The unlock process involves three key smart contracts: | Contract | Purpose | | ---------------------- | ------------------------------------------------------------------------------ | | **WLFI Token** | The token smart contract with activation and claiming functions | | **Registry** | Stores information about legacy users (early purchasers) and their allocations | | **Unlocking Contract** | Holds tokens and releases them according to the unlock schedule | ### The unlock flow #### Early Supporter - Initial unlock (20%): 1. **Activation**: You sign the Token Unlock Agreement and Terms of Service and submit a transaction 2. **Token Transfer**: Your WLFI tokens move from your wallet to the unlocking smart contract 3. **Wallet Balance**: Your wallet will show 0 WLFI (this is expected) 4. **Unlocking**: Tokens unlock according to the schedule 5. **Claiming**: You can claim unlocked tokens at any time, transferring them back to your wallet #### Early Supporter - Remaining 80%: 1. **Activation:** You sign the Token Unlock Agreement and Terms of Service and submit a transaction 2. **Cliff Period:** For the first 2 years, no tokens are claimable 3. **Allocation Visibility:** You can view your full allocation and projected unlock schedule during the cliff 4. **Unlocking:** After the 2-year cliff, tokens unlock continuously over the following 2 years 5. **Claiming:** Your claimable amount increases over time, and you can claim at any point 6. **Accumulation:** Unclaimed tokens continue to accumulate if you do not claim them immediately 7. **Deadline:** There is no fixed claim schedule, and no deadline to claim 8. **Full Distribution:** By year 4, your full allocation is unlocked and available to claim ### Unlock schedule | Phase | Percentage | Status | | ------------------------------ | ---------- | --------- | | Initial Unlock (Sept 1, 2025) | 20% | Available | | Second Unlock (May 6, 2026) | 80% | Available | ### Accepting the unlock schedules To participate in these unlocks, you must affirmatively accept the new unlock schedule. Acceptance requires you to accept the new unlock schedule, the Terms of Service, and electronically make acknowledgements and agreements relating to the terms and meet any eligibility requirements determined to be necessary or advisable under applicable law. If you do not accept, your tokens remain locked indefinitely. You will continue to be able to use all your tokens for governance participation, subject to the terms of any future unlock proposals.
## Step-by-step tutorial ## Early Supporters ### Before you begin Ensure you have: * A wallet that was used in the original WLFI token purchase * ETH in your wallet for gas fees * Access to the [WLFI Unlock page](https://worldlibertyfinancial.com/unlock) ### Step 1: Connect your wallet Visit the [Unlock page](https://worldlibertyfinancial.com/unlock) and connect the wallet that holds your WLFI allocation. Ensure your wallet network is set to Ethereum Mainnet.
### Step 2: Review your allocation Once connected, the interface displays: * Your total token allocation * How much will be unlocked (20% of your allocation) * The unlock date and time
### Step 3: Review the token unlock agreement Click **"Sign unlock agreement"** to open the agreement dialog. The Token Unlock Agreement displays: * Your wallet address * Your total token allocation * The terms and conditions of the unlock **Important**: Read the entire agreement carefully before proceeding. The agreement includes important representations about: * Ownership of your wallet * Use of tokens for governance purposes * Compliance with applicable laws * Acknowledgment of the unlock terms
You must scroll to the bottom of the agreement to find the confirmation button. This ensures you have reviewed all the terms. Click **"I agree"** to proceed to the Terms of Service step.
### Step 4: Review & accept the Terms of Service **Important**: Read the entire Terms of Service carefully before proceeding.
You must scroll to the bottom of the agreement to find the confirmation button. This ensures you have reviewed all the terms. Click **"I agree"** to proceed to the Signing step.
### Step 5: Sign the transaction A signature prompt will appear in your wallet. When you sign: 1. **Transaction submission**: A transaction is submitted to the blockchain 2. **Token movement**: Your tokens move from your wallet to the unlocking contract 3. **Total allocation amount:** The total number of WLFI available to be unlocked 4. **New Wallet balance**: Your wallet will display the WLFI balance 5. **Remaining to unlock:** The remaining tokens (80%) available to unlock in phase 2 6. **Gas fee:** The amount of ETH required to sign the transaction
{% hint style="info" %} **Automatic claim**: Any tokens that are already unlocked will be claimed automatically as part of this transaction {% endhint %} ### Step 6: Claim your 20% unlocked tokens By the end of the transaction, your initial 20% unlocked tokens will be transferred to your wallet.
### Step 7: Activate the remaining 80% token unlock agreement Click "Activate unlock schedule" to open the agreement dialog. The Token Unlock Agreement displays: * Your wallet address * Your total token allocation * The remaining amount of tokens left to unlock (should be 0 WLFI) * The terms and conditions of the unlock
### Step 8: Review the Activate unlock agreement Click **"Activate unlock schedule"** to open the agreement dialog. The Activate Unlock Agreement displays: * Your wallet address * Your total token allocation * The terms and conditions of the unlock **Important**: Read the entire agreement carefully before proceeding. The agreement includes important representations about: * Ownership of your wallet * Use of tokens for governance purposes * Compliance with applicable laws * Acknowledgment of the unlock terms
You must scroll to the bottom of the agreement to find the confirmation button. This ensures you have reviewed all the terms. Click **"I agree"** to proceed to the Terms of Service step.
### Step 9: Review & accept the Terms of Service **Important**: Read the entire Terms of Service carefully before proceeding.
You must scroll to the bottom of the agreement to find the confirmation button. This ensures you have reviewed all the terms. Click **"I agree"** to proceed to the Signing step.
### Step 10: Sign & activate the unlock schedule A signature prompt will appear in your wallet. Once signed: * A transaction is submitted to the blockchain * Your tokens move from your wallet to the unlocking smart contract
### Step 11: Wait for the cliff period If you are in the cliff period (years 0–2): * The UI will show how long until tokens begin unlocking * The Claim button will be disabled until tokens are available * No further action is needed until the linear unlock begins
### Step 12: Claim your tokens Once tokens are unlocked (years 2–4), you can claim at any time: 1. Visit the Unlock page 2. View your Available to claim amount 3. Click Claim 4. Confirm the transaction in your wallet Your claimed tokens will appear in your wallet. There is no deadline to claim, as unclaimed tokens continue to accumulate.
{% hint style="info" %} You can claim at any time after tokens are unlocked (years 2–4). There's no deadline. Tokens continue to unlock over time, so your claimable amount may increase while your transaction confirms. {% endhint %}
*** ## Understanding the unlock dashboard ### Early Supporter Unlocking schedules The dashboard shows your unlock schedule(s), including: | Field | Description | | ---------------------- | ------------------------------------------------------------------ | | **Status** | Current state (Not Started, Active, Completed) | | **Unlock allocation** | Total tokens in this unlock schedule | | **Unlocked** | Percentage and amount already unlocked | | **Claimed** | Tokens you've already claimed to your wallet | | **Available to claim** | Tokens unlocked but not yet claimed | | **Remaining to claim** | Total unclaimed tokens (locked + unlocked) | | **Starts on** | When the unlock schedule begins | | **Cliff** | When tokens first become claimable (Year 2) | | **Ends on** | When all tokens are fully unlocked (Year 4) | | **Rate** | How many tokens unlock per selected period during the linear phase | The radial chart shows your total allocation, how much has been unlocked, and how much you have already claimed. ### Contract details The dashboard also displays: * Token: WLFI token contract address * Chain: Ethereum Mainnet * Unlock smart contract: The unlocking contract address * Unlock agreement tx: Link to your activation transaction * Unlock agreement: View the agreement you signed * Unlock activation tx: The remaining 80% unlock activation transaction ## Founders, Team Members & Advisors | **Unlock** | Will be unlocked according to the terms decided by the community through the [governance proposal](https://vote.worldlibertyfinancial.com/#/proposal/0x7389a30748bf921066fba2d63281e34718b141cef9f54fcb4ed5cd4566f94873) | | ------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Total team members & advisors' tokens subject to this schedule** | **45,238,585,647 WLFI** | | **Unlock type** | 2-year cliff, then 3-year linear unlock, with a 10% token burn | | Burned Tokens | 10% | | **Tokens begin unlocking** | Year 2 from proposal passing date | | **Fully distributed by** | Year 5 from proposal passing date | ### Before you begin Ensure you have: * ETH in your wallet for gas fees * Access to the [WLFI Unlock page](https://worldlibertyfinancial.com/unlock) ### Step 1: Connect your wallet Visit the [Unlock page](https://worldlibertyfinancial.com/unlock) and connect the wallet that holds your WLFI allocation. Ensure your wallet network is set to Ethereum Mainnet.
### Step 2: Review the token unlock agreement Click **"Sign unlock agreement"** to open the agreement dialog. The Token Unlock Agreement displays: * Your wallet address * Your total token allocation * The terms and conditions of the unlock **Important**: Read the entire agreement carefully before proceeding. The agreement includes important representations about: * Ownership of your wallet * Use of tokens for governance purposes * Compliance with applicable laws * Acknowledgment of the unlock terms
You must scroll to the bottom of the agreement to find the confirmation button. This ensures you have reviewed all the terms. Click **"I agree"** to proceed to the Terms of Service step
### Step 3: Review & accept the Terms of Service **Important**: Read the entire Terms of Service carefully before proceeding.
You must scroll to the bottom of the agreement to find the confirmation button. This ensures you have reviewed all the terms. Click **"I agree"** to proceed to the Signing step.
### Step 4: Sign the transaction A signature prompt will appear in your wallet. When you sign: 1. **Transaction submission**: A transaction is submitted to the blockchain 2. **Token movement**: Your tokens move from your wallet to the unlocking contract 3. **Total allocation amount:** The total number of WLFI available to be unlocked 4. **New Wallet balance**: Your wallet will display the WLFI balance 5. **Remaining to unlock:** The tokens available to unlock 6. **Gas fee:** The amount of ETH required to sign the transaction
### Step 5: Activate the token unlock agreement Click "Activate unlock schedule" to open the agreement dialog.
{% hint style="warning" %} ### BY SIGNING YOUR UNLOCK AGREEMENT, YOU ACKNOWLEDGE AND AGREE THAT 10% OF YOUR TOKENS WILL BE PERMANENTLY BURNED {% endhint %}
### Step 6: Sign & activate the unlock schedule A signature prompt will appear in your wallet. Once signed: * A transaction is submitted to the blockchain * Your tokens move from your wallet to the unlocking smart contract
### Step 7: Wait for the cliff period If you are in the cliff period (years 0–2): * The UI will show how long until tokens begin unlocking * The Claim button will be disabled until tokens are available * No further action is needed until the linear unlock begins
### Step 8: Claim your tokens Once tokens are unlocked (years 2–5), you can claim at any time: 1. Visit the Unlock page 2. View your Available to claim amount 3. Click Claim 4. Confirm the transaction in your wallet Your claimed tokens will appear in your wallet. There is no deadline to claim, as unclaimed tokens continue to accumulate.
{% hint style="info" %} You can claim at any time after tokens are unlocked (years 2–5). There's no deadline. Tokens continue to unlock over time, so your claimable amount may increase while your transaction confirms. {% endhint %} *** ## Frequently asked questions ### Do I need to have completed the first unlock (20%) before accepting this schedule? If you have not yet completed the first unlock, you will be prompted to do so first. The initial 20% of your allocation will become available immediately upon completing the steps above. Once done, you can proceed with accepting the unlock schedule for the remaining 80%. ### Can I claim partial amounts? When you claim, you receive all available unlocked tokens. You cannot select a specific amount. The claim function transfers all currently claimable tokens to your wallet. ### What happens if I don't claim immediately? Nothing. Your tokens remain safely in the unlocking contract. There's no deadline to claim, and you can claim at any time. Unclaimed tokens continue to accumulate as more tokens unlock. ### Can I transfer tokens before claiming? No. While tokens are in the unlocking contract, they cannot be transferred. You must claim them to your wallet first, then you can use them as you wish. ### I accepted, but I'm not seeing any tokens to claim yet. If you are within the 2-year cliff period, no tokens are claimable yet. Check the dashboard to see how long remains until the linear unlock phase begins. ### I purchased tokens, but I'm not seeing the unlock option Ensure you're: 1. Connected with the same wallet that received the tokens 2. On Ethereum Mainnet 3. A participant from the original $0.015 or $0.05 sale rounds If you still don't see your allocation, please [contact support](/resources/contact). ### What if I'm blocked or see an error? For security and compliance reasons, some accounts may be restricted. If you see a blocked message: 1. You may try again later 2. Contact support for general assistance 3. We cannot provide specific details about restrictions for security reasons *** ## Important notices ### Gas Fees Both the activation (signing) and claiming transactions require ETH for gas fees. Ensure you have sufficient ETH in your wallet before proceeding. ### Security * **Never share your private keys** with anyone * Only interact with the official WLFI token contract * Verify you're on the official World Liberty Financial website * The unlock smart contract has been audited for security ### Legal Considerations By signing the Token Unlock Agreement, you acknowledge and agree to various terms, including: * You are the original purchaser and wallet owner * You have not transferred beneficial ownership of your tokens * You understand the tokens are for governance participation * You will comply with applicable laws For complete terms, review the Token Unlock Agreement in the unlock dialog. *** ## Additional Resources * [Governance proposal](https://vote.worldlibertyfinancial.com/#/proposal/0x7389a30748bf921066fba2d63281e34718b141cef9f54fcb4ed5cd4566f94873) * [Unlock WLFI](https://worldlibertyfinancial.com/unlock) * [WLFI Token Information](/wlfi-token/tokenomics) * [WLFI Governance](/wlfi-token/wlfi-governance) * [Trade WLFI](/wlfi-token/trade-wlfi) * [Contact Support](/resources/contact) # Trade $WLFI The Trade feature enables you to convert WLFI governance tokens and stablecoins on Uniswap by accessing the World Liberty Financial platform. Provided by [Uniswap V3](https://docs.uniswap.org/concepts/overview) liquidity pools, Trade provides access efficient token transacting with optimal routing and competitive rates. ## Overview Trade is designed specifically for transacting between WLFI and stable assets. Rather than navigating to external decentralized exchanges, you can seamlessly trade your tokens within the WLFI ecosystem. ### Key features * **Direct WLFI Trade**: Easily convert between WLFI and stablecoins * **Optimal Routing**: Provided by Uniswap's Smart Order Router to find the best prices * **Configurable Slippage**: Adjust slippage tolerance to your preference * **Real-Time Quotes**: See exchange rates and output amounts before confirming * **Price Impact Warnings**: Get alerts when trades may significantly move the market ## Supported tokens Trade supports converting between the following tokens on **Ethereum Mainnet**: | Token | Type | Description | | ----- | ---------------- | ------------------------------------------- | | WLFI | Governance Token | World Liberty Financial governance token | | USD1 | Stablecoin | World Liberty Financial's native stablecoin | | USDC | Stablecoin | USD Coin by Circle | | USDT | Stablecoin | Tether USD | ### Token Pairs Trade enforces specific token pair rules to ensure liquidity and optimal trading: | If You Sell | You Can Buy | | ----------- | ------------------- | | WLFI | USD1, USDC, or USDT | | USD1 | WLFI | | USDC | WLFI | | USDT | WLFI | {% hint style="info" %} Direct transactions between stablecoins (e.g., USD1 to USDC) are not supported through Trade. WLFI must be on one side of every trade. {% endhint %} ## How it works Trade uses [Uniswap V3](https://docs.uniswap.org/concepts/overview) under the hood, which is a decentralized exchange protocol on Ethereum. Here's what happens when you make a trade: 1. **Route Discovery**: The Uniswap Smart Order Router analyzes available liquidity pools to find the optimal path for your trade 2. **Quote Generation**: You receive a real-time quote showing the expected output amount 3. **Token Approval**: If this is your first time trading one token for another, you'll need to approve the spend 4. **Trade Execution**: The trade is executed on-chain through Uniswap's smart contracts 5. **Token Receipt**: You receive your tokens in your wallet ### Smart order routing Uniswap's Smart Order Router automatically finds the best price by: * Splitting trades across multiple pools when beneficial * Routing through intermediate tokens if it results in better rates * Optimizing for the lowest price impact ## How to trade $WLFI ### Step 1: Connect your wallet Connect a wallet that supports Ethereum Mainnet. Ensure you have: * The tokens you want to trade * Sufficient ETH for gas fees
### Step 2: Select tokens 1. **You Sell**: Choose the token you want to trade 2. **You Receive**: The available output tokens will be shown based on your input selection Use the convert button (↕) to quickly reverse the input and output tokens.
### Step 3: Enter amount Enter the amount you want to trade. The interface will show: * The USD value of your input * The estimated output amount * The USD value of the output Click "Set max" to trade your entire balance of the selected token.
### Step 4: Review trade details Before confirming, review the following information: | Detail | Description | | ------------- | ------------------------------------------------- | | Exchange rate | The current rate between the two tokens | | Slippage | Maximum price movement you'll accept | | Price impact | How much your trade affects the market price | | Routes | The path your trade takes through liquidity pools | | Min. received | The minimum tokens you'll receive after slippage | | Gas fee | Estimated network fee for the transaction |
You can click on the Routes row to see a detailed breakdown of how your trade will be routed through the liquidity pools.
### Step 5: Approve and confirm {% content-ref url="/pages/k7FBRDEVfpi3uR1lZJCy" %} [WLFI Risk Disclosures](/wlfi-token/wlfi-risk-disclosures) {% endcontent-ref %} 1. **Agree to terms**: Review and accept the [WLFI Token Use and Acquisition Terms & Conditions](/wlfi-token/wlfi-token-use-and-acquisition-tcs) 2. **Token approval** (first time only): Approve the Uniswap router to spend your tokens 3. **Confirm trade**: Review the final details and confirm the transaction in your wallet ### Step 6: Track your trade After confirming, you can track your transaction in the **Activity** section. Trades typically complete within a few seconds to a minute, depending on network congestion.
## Settings ### Slippage tolerance Slippage is the difference between the expected price and the actual execution price. You can configure your slippage tolerance in the settings: | Slippage Level | Description | | -------------- | ----------------------------------- | | Auto (5.5%) | Recommended default setting | | Custom | Set your own tolerance (0.1% - 50%) | {% hint style="warning" %} **Low slippage** (< 1%): Your transaction may fail if prices move slightly. **High slippage** (> 10%): You may receive significantly fewer tokens than quoted. The interface will warn you about high slippage settings. {% endhint %} ### Transaction deadline The deadline sets how long your transaction remains valid. If the trade isn't executed within this time, it will automatically cancel. * **Default**: 30 minutes * **Custom**: Set your preferred deadline ## Understanding price impact Price impact measures how much your trade will move the market price. It occurs because trades affect the balance of tokens in liquidity pools. | Price Impact | Indication | | ------------ | ------------------------------------------- | | < 1% | Minimal impact, good liquidity | | 1% - 5% | Moderate impact, acceptable for most trades | | 5% - 10% | High impact, consider splitting the trade | | > 10% | Very high impact, warning displayed | {% hint style="warning" %} If the price impact exceeds 10%, the interface will display a warning. Consider: * Reducing your trade size * Splitting into multiple smaller trades * Waiting for better liquidity conditions {% endhint %} ## Fees ### Gas fees All transactions require Ethereum gas fees paid in ETH. Gas costs vary based on: * Network congestion * Transaction complexity (number of routes/pools used) The interface displays an estimated gas fee before you confirm. ### Transactions fees Uniswap V3 pools charge a fee on each transaction, typically: * **0.3%** for most pairs * **0.05%** or **1%** for some pools depending on the pair These fees are built into the quoted price you see. *** ## Troubleshooting ### Transaction failed Common reasons for failed transactions: * **Slippage exceeded**: The price moved beyond your tolerance. Try increasing slippage. * **Insufficient gas**: Ensure you have enough ETH for gas fees. * **Token approval expired**: Re-approve the token spend. ### No route found If no route is found: * The amount may be too small or too large * Liquidity may be temporarily low * Try a slightly different amount ### High price impact warning If you see a high price impact warning: * Your trade size is large relative to available liquidity * Consider breaking into smaller trades * Wait for more liquidity to enter the pools ### Wrong Network Trade only works on Ethereum Mainnet. If you're on a different network, you'll be prompted to switch. ## Security considerations ### Smart contract security Trade uses Uniswap V3's audited and battle-tested smart contracts. Uniswap is one of the most widely used and trusted DeFi protocols. ### User verification World Liberty Financial implements user verification to ensure compliance. If your account is flagged or blocked, you won't be able to use the Trade feature. ### Approval best practices When approving tokens: * Only approve the amount you intend to trade, or * Revoke approvals after trading if you prefer maximum security *** ## Additional Resources * [Uniswap Protocol Documentation](https://docs.uniswap.org/concepts/overview) * [WLFI Token Information](/wlfi-token/tokenomics) * [USD1 Token Information](/usd1-token/what-is-usd1) * [Bridge Tokens Cross-Chain](/wlfi-tools/bridge) # Contract Addresses WLFI governance tokens are available on multiple blockchain networks, enabling broader participation in the World Liberty Financial governance ecosystem. {% hint style="success" %} **Multichain Governance** WLFI is deployed across 3 blockchain networks to maximize accessibility for governance participants. {% endhint %} *** ## Official Contract Addresses {% hint style="warning" %} **Security Notice** Always verify contract addresses before interacting with them. Only use the official addresses listed below to avoid scams and fraudulent tokens. {% endhint %} ### Supported Networks
NetworkStandardContract AddressExplorer
EthereumERC200xda5e1988097297dcdc1f90d4dfe7909e847cbef6Etherscan
Binance Smart ChainBEP200x47474747477b199288bf72a1d702f7fe0fb1deeaBscScan
SolanaSPLWLFinEv6ypjkczcS83FZqFpgFZYwQXutRbxGe7oC16gSolscan
*** ## Token Details | Property | Value | | ---------------- | ----------------------------- | | **Symbol** | WLFI | | **Name** | World Liberty Financial | | **Decimals** | 18 | | **Total Supply** | 100,000,000,000 (100 billion) | | **Type** | Governance Token | *** ## Related Contracts ### Ethereum
ContractAddressPurpose
WLFI Token0xda5e1988097297dcdc1f90d4dfe7909e847cbef6Main governance token
WLFI Registry0x4f61A99e42e21eA3c3EaF9B1b30Fb80A7900d3ceToken registry
WLFI Vester0x74B4f6A2E579D730aAcb9dD23cfbbAEb95029583Token vesting contract
*** ## Cross-Chain Transfers WLFI supports cross-chain transfers via Chainlink CCIP (Cross-Chain Interoperability Protocol), enabling secure movement of governance tokens between supported networks. ### CCIP Pool Contracts
NetworkPool TypePool Address
EthereumLock & Release0xc785d05961b3c537cac11f1d496876a255f6d650
Binance Smart ChainBurn & Mint0xa92261171d09aea90bbf86c75a7322519f014c78
SolanaBurn & Mint7QziXoi8PodowR8XxGMN8TfdYnJzmQ8i4HcCk4LWovb7
{% hint style="info" %} **Governance Participation** To participate in WLF Protocol governance, you need to hold WLFI tokens in a compatible wallet and connect to the WLF Governance Platform. See our [Risk Disclosures](/wlfi-token/wlfi-risk-disclosures) for important information about governance participation. {% endhint %} # WLFI Token Use and Acquisition T\&Cs {% hint style="info" %} **Updated on:** March 3, 2026 {% endhint %} {% hint style="danger" %} EXCEPT AS SET FORTH HEREIN, ANY AND ALL DISPUTES BETWEEN YOU AND THE COMPANY SHALL BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION IN ACCORDANCE WITH SECTION 14 OF THESE TERMS. BY AGREEING TO THESE TERMS, YOU WAIVE YOUR RIGHTS TO RESOLVE DISPUTES IN A COURT OF LAW BY A JUDGE OR JURY AND TO PROCEED AGAINST THE COMPANY ON A CLASS OR REPRESENTATIVE BASIS. {% endhint %} THE TOKENS HAVE NOT BEEN REGISTERED WITH ANY U.S. OR OTHER AUTHORITY. PLEASE READ THESE TERMS OF TOKEN USE CAREFULLY, INCLUDING WITHOUT LIMITATION THE RISK DISCLOSURES AVAILABLE [HERE](/wlfi-token/wlfi-risk-disclosures). NOTE THAT SECTION 14 CONTAINS A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER, WHICH MAY AFFECT YOUR LEGAL RIGHTS. IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT USE, ACQUIRE OR HOLD TOKENS. Your usage, holding, or acquisition of $WLFI Tokens (collectively, "**$WLFI**" or "**Tokens**") from World Liberty Financial LLC, a Florida limited liability company ("**WLF,**" "**Company,**" "**we,**" or "**us**") is subject to these Terms of Use ("**Terms**"). These Terms are a legal contract between you and the Company that govern your use, acquisition or holding of the Tokens. Each of you and the Company is a "**Party,**" and together the "**Parties.**" By using, acquiring or holding Tokens, and/or using $WLFI to participate in the World Liberty Financial Governance Platform ("**WLF Governance Platform**"), you will be bound by these Terms and all terms incorporated by reference. If you have any questions regarding these terms, please contact us at . You and the Company agree as follows: *** ## 1. Purpose and Use of Tokens ### Use for Governance Only The sole utility of holding $WLFI is governance, and not for any investment. As a Token holder, you'll have the power to propose and vote on proposals that will help to shape the future of the World Liberty Financial Protocol (the "**WLF Protocol**"). This includes decisions on marketing initiatives, future functionality, and more, as described further in the World Liberty Financial Gold Paper (the "[Gold Paper](/resources/gold-paper)"). $WLFI is currently functional for this utility as governance tokens. ### No Economic Rights The Tokens do not confer any rights, express or implied, other than the right to use the Token as a means to participate in governance of the WLF Protocol through the WLF Governance Platform. In particular, you understand and accept that the Token does not represent or confer any ownership right or stake, share or security or equivalent rights, or any right to receive any distribution, revenue share, additional tokens, intellectual property rights or any other form of participation in or relating to the WLF Protocol, and/or the Company and its corporate affiliates, other than rights to use for governance relating to the WLF Protocol, subject to limitations and conditions in these Terms and applicable WLF Protocol Terms and Policies (as defined below). ### Transferability All $WLFI were initially non-transferable. $WLFI holders approved a proposal in July 2025 to make a portion of the $WLFI tokens sold to early purchasers transferable, with the remainder of the $WLFI tokens sold to early purchasers intended to be subject to a second vote by the community to determine the unlock and release schedule. Treasury tokens are also transferable unless specific restrictions have been imposed. The unlock schedules for initial grants to founders, advisors, and others generally remain non-transferable, and if unlocked are expected to be subject to a longer unlock schedule. The Company retains discretion to determine the timing of and any eligibility requirements for unlocking the Tokens. ### The $WLFI Token and WLF Governance Platform are distinct from WLF Protocol The Token does not provide any economic or other rights with respect to the WLF Protocol or otherwise. As a result, you will not have any rights to any fees generated by the WLF Protocol or earned by the Company. You should not use, acquire or hold the Tokens with an expectation of Tokens increasing (or not decreasing) in value as a result of any future functionality or the success or failure of the WLF Protocol. You are not required to be a Token holder to use the WLF Protocol, but only Token holders can participate in the WLF Governance Platform. Use of the WLF Protocol is subject to terms of use of the WLF Protocol and include other disclosures relevant to users of the WLF Protocol. The Tokens are not intended to be a digital currency, security, derivative, transferable crypto asset or any other kind of financial instrument, but you should be aware that the application of legacy financial and other regulation to new technology like the Tokens is uncertain and carries risk. *** ## 2. Scope of Terms Unless otherwise stated herein, these Terms govern only your use, acquisition and/or holding of Tokens. The use of Tokens in connection with the WLF Protocol will be governed by the WLF Protocol Terms of Use, Privacy Policy, and other applicable terms and policies available at worldlibertyfinancial.com (collectively, the "**WLF Protocol Terms and Policies**"). Any additional WLF Protocol Terms and Policies we promulgate will be available at worldlibertyfinancial.com. We may add terms or policies to the **WLF Protocol Terms and Policies** at our sole discretion and may update each of the WLF Protocol Terms and Policies from time to time according to modification procedures set forth therein. To the extent of any conflict with these Terms, the WLF Protocol Terms and Policies shall control with respect to any issues relating to the use of Tokens in connection with the WLF Protocol. *** ## 3. Eligibility ### Eligibility Requirements In order to be eligible to use, acquire or hold Tokens, you must provide all information as required by the Company or its agents as part of its screening process to seek to ensure that (i) no specially designated nationals or other persons sanctioned by FinCEN are permitted to use, acquire or $WLFI, and (ii) only eligible persons can use, acquire or hold Tokens. We have engaged third party service providers to collect and verify information on our behalf, who may also require you to accept their terms and conditions or privacy policy agreements. ### Technical Requirements In order to be eligible to use, acquire or hold the Tokens, you must also control a software application or hardware device that securely manages your public and private keys related to a blockchain address (a "**Wallet**") that supports ERC native tokens on the Ethereum Mainnet and provide the public key for your Wallet if requested. We reserve the right to prescribe additional guidance regarding specific requirements with respect to a storage mechanism for the Tokens. *** ## 4. Token and Voting Specifications ### Quantity of Tokens The Company has generated 100 billion $WLFI as native tokens on the Ethereum blockchain for use with the WLF Protocol. ### Voting Ownership Limitation All $WLFI will have equal voting power within the WLF Protocol, but no persons may vote in excess of 5% of the outstanding votable Token supply regardless of the number of $WLFI held, subject to community voting and governance proposals. Accordingly, you and your affiliated persons should not seek to acquire more than 5% of the outstanding votable Token supply. Because some Tokens will be held in treasury and are non-votable, and founding team Tokens are also subject to the 5% token voting limitation, the Company anticipates the votable Token supply will be less than the total Token supply, though this number is subject to change. *** ## 5. Acknowledgment and Assumption of Risks You acknowledge and agree that there are risks associated with acquiring, holding and using Tokens, including, without limitation, these disclosed and explained in the Risk Disclosures available [here](/wlfi-token/wlfi-risk-disclosures). If you have any questions regarding these risks, please contact us at . BY ACCEPTING THESE TERMS AND USING, ACQUIRING OR HOLDING TOKENS, YOU EXPRESSLY AND FINALLY ACKNOWLEDGE, ACCEPT AND ASSUME ALL OF THE RISKS SET FORTH [HERE](/wlfi-token/wlfi-risk-disclosures). ALL RISK OF LOSS IS BORNE SOLELY BY THE TOKEN HOLDER. *** ## 6. Security You are solely responsible for implementing reasonable measures for securing the Wallet, Ethereum Mainnet externally owned account, ledger, hardware device, vault or other storage mechanisms you use to receive and hold Tokens, including any requisite private key(s) or other credentials necessary to access such storage mechanism(s). If your private key(s) or other access credentials are lost, you may lose access to your Tokens. If your private key is compromised, you may lose access to your Tokens. Even if we refer you to third-party wallet solutions, we are not responsible for the adequacy of their services or software, or for any such losses. You will implement reasonable and appropriate measures designed to secure access to (i) any device connected with the email address associated with your account, (ii) private keys required to access any relevant Ethereum address or your Tokens and (iii) your username, password and any other login or identifying credentials, including those used by $WLFI service providers. *** ## 7. Personal Information We may determine, at our sole discretion, that it is necessary to obtain certain information about you required to maintain compliance with any federal, state, local, domestic or foreign law, regulation or policy, including any KYC or AML requirements and policies, in connection with your use, acquisition or holding of Tokens. You agree to provide us, or our nominee, such information promptly upon request, and you acknowledge that you may not be able to use, transfer, acquire or hold Tokens until you provide such requested information and we have determined that your use, acquisition, transfer or holding of Tokens is permissible under applicable law or regulation. We may use aggregate statistical information about your activity, including your activity on the Company Site and logins to various websites, for marketing or any other purpose at our sole discretion, in accordance with our Privacy Policy or any other WLF Protocol Terms and Policies. We may use your internet protocol address to verify your use, acquisition and/or holding of Tokens. However, we will not release your personally-identifying information to any third party without your consent, except as not prohibited by law or as set forth in these Terms, our Privacy Policy or any other WLF Protocol Terms and Policies, all of which you have agreed to by consenting to these Terms and/or using $WLFI to participate in the WLF Governance Platform. *** ## 8. Taxes You are solely responsible for determining what, if any, taxes apply to your any acquisition or holding of Tokens, including, for example, sales, use, value added, and similar taxes. It is also your responsibility to withhold, collect, report and remit the correct taxes to the appropriate tax authorities. We are not responsible for withholding, collecting, reporting or remitting any sales, use, value added or similar tax arising from your use, acquisition or holding of Tokens. You agree not to hold the Company or any WLF Protocol Parties (as defined below in Section 10) liable for any tax liability associated with or arising from the creation, ownership, use or liquidation of Tokens, or any other action or transaction related to the WLF Protocol. *** ## 9. Representations and Warranties By using, acquiring or holding Tokens, you represent and warrant that: ### 9.1 Legal Competency If you are a natural person, you are over the age of 18 (or if higher, you are over the age of majority in your country of residence, and you are legally able to own or use the Token); ### 9.2 Due Authorization If you are using, acquiring or holding Tokens on behalf of a legal entity, you are authorized to accept these Terms on such entity's behalf and that such entity will be responsible for breach of these Terms by you or any other employee or agent of such entity (references to "**you**" in these Terms refer to you and such entity, jointly). ### 9.3 Acknowledgment of Terms and Risks You have read and understand these Terms, the [Risk Disclosures](/wlfi-token/wlfi-risk-disclosures), [Gold Paper](/resources/gold-paper) and the other available WLF Protocol Terms and Policies and understand the risks, responsibilities and implications of using, acquiring or holding the Tokens. ### 9.4 Non-Sanctioned Person You are not (i) a citizen or resident of a geographic area in which your use, acquisition or holding of the Tokens or use of the Tokens for governance functionality is prohibited by applicable law, decree, regulation, treaty, or administrative act, (ii) a citizen or resident of, or located in, a geographic area that is subject to U.S. or other sovereign country sanctions or embargoes, or (iii) an individual, or an individual employed by or associated with an entity, identified on BIS's Denied Persons, Unverified, or Entity Lists, or OFAC's List of Specially Designated Nationals, Foreign Sanctions Evaders, or List of Consolidated Sanctions, or DDTC's Debarred Parties List. The Company prohibits any and all use, sales, or transfers of Tokens to users ordinarily resident, or located in a country, territory, or geographical region which is the subject or target of any sanctions (including currently, but not limited to, Cuba, Iran, North Korea, the Crimea, Donetsk, and Luhansk regions of Ukraine, collectively “Sanctioned Jurisdictions”), or to Wallets associated with such Sanctioned Jurisdictions. Users are solely responsible for understanding and complying with the laws, regulations, and tax obligations in their local jurisdiction concerning cryptocurrency including jurisdictions that prohibit its use. The Company may cancel any sales or transfers to users domiciled or located in any such Sanctioned Jurisdiction, and may seek to restrict such users from accessing the Tokens or participating in the WLF Governance Platform. ### 9.5 Acquiring Only for Participation in Governance You are not using, acquiring or holding Tokens for any investment, speculative, or other financial purposes and you understand that the sole utility of the Tokens is to participate in governance. You are agreeing to participate in governance, and you understand that it is your responsibility to participate. ### 9.6 Sole Control of Wallet The Wallet address you supply is controlled by you and you alone. ### 9.7 Bad Actor Disqualification None of the "**bad actor**" disqualifying events described in Rule 506(d)(1)(i)-(viii) of Regulation D promulgated under the Securities Act are applicable to you. ### 9.8 Sufficient Understanding You have such knowledge and experience in blockchain technology, cryptographic tokens, token storage mechanisms (such as token wallets), and distributed ledger technology and financial and business matters that you can be presumed capable of evaluating the merits and risks of acquiring and using the Tokens to participate in governance of the WLF Protocol. In evaluating the merits and risks of acquiring, holding and/or using the Tokens, you have and will rely upon the advice of your own technical advisors, legal counsel, tax advisors, and/or other advisors. ### 9.9 Adequate Information and Non-Reliance You have obtained sufficient information about the Tokens to make an informed decision to use, acquire or hold the Tokens and ask any questions, and you have not relied on any representations or warranties made by, or information provided by, the Company, WLF Protocol Parties, or any party outside of these Terms and the other WLF Protocol Terms and Policies, including, but not limited to, conversations of any kind, whether through oral or electronic communication, or any white paper. ### 9.10 Acknowledgement of Compensation to Company Advisors and Service Providers You understand that the Company has compensated persons to promote awareness of World Liberty Financial or the Tokens and provide development and other services, but you are not relying on any information provided by any such person in making a decision to use, acquire or hold the Tokens. DT Marks DeFi, LLC and its affiliates, including Donald J. Trump have received a fixed grant of 22,500,000,000 $WLFI tokens and are entitled to 75% of net protocol revenues as defined in a services agreement to include revenue to World Liberty Financial from any sources, after deduction of agreed reserves, agreed expenses and other amounts. Certain other WLF directors and officers, advisors, promoters and service providers and their affiliates are entitled to receive a fixed grant of 7,500,000,000 Tokens as well as the right to receive 25% of net protocol revenues from the WLF Protocol. ### 9.11 Acquiring for Own Use You are acquiring the Tokens for your own account, not as a nominee or agent, and not with a view to the resale or distribution of any part thereof, and you have no present intention of selling, granting any participation in, or otherwise distributing the same or any part thereof. You further represent that you do not presently have any contract, undertaking, agreement or arrangement with any person to sell, transfer or grant participations to such person or to any third person, with respect to these Terms or the Tokens. If you are acquiring the Tokens on behalf of an entity, the entity has not been formed for the specific purpose of acquiring the Tokens. ### 9.12 No Registration with Any Authority You acknowledge that (i) the Tokens have not been registered under the Securities Act or any state or foreign law securities laws, and that the Company has no plans to register the Tokens under any such laws, and (ii) there is substantial uncertainty as to the application of securities, financial, tax and other laws to new technologies, including blockchain technology and tokens, and that the interpretation of existing laws or new laws may affect the regulatory status of the Tokens, and the use of the Token. ### 9.13 No Unauthorized Use You agree not to allow anyone to use your Wallet or share your credentials with any other person for the purpose of facilitating their unauthorized access to the Tokens. If you do share your credentials with anyone, we will consider their activities to have been authorized by you. You alone are responsible for any acts or omissions that occur relating to the Tokens through the use of your credentials. We reserve the right to suspend or block your access to the Tokens upon suspicion of any unauthorized access or use, or any attempted access or use, by anyone associated with your credentials. ### 9.14 Responsibility for Compliance with Applicable Law The Tokens are not intended to be offered and sold or used in any jurisdiction where not permitted by applicable law. You represent that your use, acquisition and/or holding of Tokens complies with applicable law and regulation in your jurisdiction, including, but not limited to; (i) legal capacity and any other threshold requirements in your jurisdiction for the use, acquisition and/or holding of the Tokens and entering into contracts with us and to receive software and participate in the use of the WLF Protocol, (ii) any foreign exchange or regulatory restrictions applicable to such use, acquisition and/or holding, and (iii) any governmental or other consents that may need to be obtained. You understand that you bear the sole responsibility to determine whether your use, acquisition and/or holding of the Tokens and the WLF Governance Platform, change in value of the Tokens, and/or any other action or transaction related to the Tokens and WLF Governance Platform may have legal, including tax, implications. ### 9.15 Responsibility for Complying with Tax Obligations You will comply with any applicable tax obligations in your jurisdiction that may be relevant to your holding, use, acquisition, disposition, or transfer of the Tokens; further, by obtaining, holding or using the Tokens, and to the extent permitted by law, you agree not to hold any third party (e.g., developers, auditors, contractors, or founders) liable for any legal, including tax, liability associated with or arising from the ownership or use of the Tokens or any other action or transaction related to the WLF Protocol. ### 9.16 Class Action Waiver You waive the right proceed on a class, representative, or collective basis, or arbitrate or litigate any dispute in a representative capacity against any entity or individual involved with the creation of the Tokens, as discussed more fully in Section 14. ### 9.17 No Rights Other than Governance You understand that the use, acquisition and/or holding of Tokens does not involve the purchase of shares, security, or any equivalent in the Company or any existing or future public or private company, corporation or other entity in any jurisdiction. ### 9.18 Agreement to Provide Information You agree to promptly provide to the Company or its nominee, upon request, proof of identity and/or source of funds and/or other documentation or other information that the Company may request from time to time in connection with the Company's obligations under, and compliance with, applicable laws and regulations, including but not limited to KYC and AML legislation, regulations or guidance, anti-terrorism laws, rules and regulations and or any similar laws and regulations of any applicable jurisdiction and/or tax information reporting or withholding legislation, regulations or guidance. ### 9.19 Disclosure of Information You understand and acknowledge that the Company may be required to, or may voluntarily, report any action that the Company suspects or has reason to suspect is unusual or indicative of criminal behavior or any failure to comply with the information requests. You further understand and acknowledge that the Company may disclose the information regarding you, and if applicable, your directors, employees or agents and its direct and indirect beneficial owners to governmental authorities, self-regulatory organizations and financial institutions, in certain circumstances without notifying you that the information has been so provided. ### 9.20 Voluntary Provision of Information You understand and agree that, even if the Company is not obligated to comply with any U.S. KYC and AML requirements, the Company may nevertheless choose to voluntarily comply with such requirements as the Company deems appropriate in its sole discretion. You agree to cooperate with the Company as may be required in the reasonable view of the Company in connection with such compliance. *** ## 10. Indemnification To the fullest extent permitted by applicable law, you will indemnify, defend and hold harmless the Company and our respective past, present and future employees, officers, directors, contractors, consultants, equity holders, suppliers, vendors, promoters, endorsers, service providers, parent companies, subsidiaries, affiliates, agents, representatives, predecessors, successors and assigns (the "**WLF Protocol Parties**") from and against all actual and threatened claims, lawsuits, demands, actions, investigations (whether formal or informal), liabilities, obligations, judgments, damages, penalties, interests, fees, losses, expenses (including attorneys' fees and expenses), and costs (including, without limitation, court costs, costs of settlement, and costs of pursuing indemnification and insurance), of every kind and nature whatsoever, whether claimed by WLF Protocol Parties or third parties including governmental authorities, whether known or unknown, foreseen or unforeseen, matured or unmatured, or suspected or unsuspected, in law or equity, whether in tort, contract, or otherwise (collectively "**Claims**") arising from or relating to (i) your acquisition or use of Tokens, (ii) the performance or non-performance of your responsibilities or obligations under these Terms and other WLF Protocol Terms and Policies, (iii) your breach or violation of these Terms and other WLF Protocol Terms and Policies, (iv) any inaccuracy in any representation or warranty made by you, (v) your violation of any rights (including, but not limited to, intellectual property rights) of any other person or entity or (vi) any act or omission of yours that is negligent, unlawful, or constitutes willful misconduct. This foregoing indemnity is in addition to, and not in lieu of, any other remedies that may be available to the WLF Protocol Parties under applicable law. The Company reserves the right to exercise sole control over the defense, at your expense, of any claim subject to indemnification under this Section. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and the Company. *** ## 11. Disclaimers TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW AND EXCEPT AS OTHERWISE SPECIFIED IN A WRITING BY US, (A) THE TOKENS ARE SOLD ON AN "**AS IS**" AND "**AS AVAILABLE**" BASIS WITHOUT ANY WARRANTIES OR REPRESENTATIONS OF ANY KIND, AND WE EXPRESSLY DISCLAIM ALL WARRANTIES AND REPRESENTATIONS RELATING TO THE TOKENS (WHETHER EXPRESS OR IMPLIED), INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WHETHER ARISING BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE, OR OTHERWISE; (B) WE DO NOT REPRESENT OR WARRANT THAT THE TOKENS ARE RELIABLE, CURRENT, ERROR-FREE, OR DEFECT-FREE, MEET YOUR REQUIREMENTS, OR THAT ANY DEFECTS WILL BE CORRECTED; AND (C) WE CANNOT AND DO NOT REPRESENT OR WARRANT THAT THE TOKENS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NO REGULATORY AUTHORITY HAS EXAMINED OR APPROVED ANY OF THE INFORMATION SET FORTH IN THESE TERMS OR ANY RELATED DOCUMENTATION OR COMMUNICATION BY THE COMPANY. NO SUCH ACTION HAS BEEN OR WILL BE TAKEN UNDER THE LAWS, REGULATORY REQUIREMENTS, OR RULES OF ANY JURISDICTION. NEITHER THESE TERMS NOR ANY RELATED DOCUMENTATION OR COMMUNICATION BY THE COMPANY CONSTITUTES A PROSPECTUS OR OFFERING DOCUMENT AND IS NEITHER AN OFFER TO SELL NOR THE SOLICITATION OF AN OFFER TO BUY ANY INVESTMENT OR FINANCIAL INSTRUMENT IN ANY JURISDICTION. Some jurisdictions do not allow the exclusion of certain warranties or disclaimer of implied terms in contracts with consumers, so some or all of the exclusions of warranties and disclaimers in this Section may not apply to you. *** ## 12. Limitation of Liability TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL THE COMPANY OR ANY OF ITS OFFICERS, EMPLOYEES, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, ACTUAL, TREBLE, PUNITIVE, AND/OR EXEMPLARY DAMAGES (INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUES, GOODWILL, USE OR DATA, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE, COST OF SUBSTITUTE PRODUCTS OR SERVICES, BODILY INJURY, OR DEATH OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATED IN ANY WAY TO YOUR USE OF THE WEBSITE, REGARDLESS OF WHETHER SUCH DAMAGES ARE UNDER THEORY OF BREACH OF CONTRACT, TORT, NEGLIGENCE, CONTRACT, WARRANTY, STATUTE, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE OR THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING CONTRARY CONTAINED HEREIN, THE COMPANY'S LIABILITY TO YOU ARISING FROM THESE TERMS, THE USE OF OR INABILITY TO USE THE WEBSITE, WILL AT ALL TIMES BE LIMITED TO THE GREATER OF $5,000 USD OR THE AMOUNT PAID BY YOU TO THE COMPANY FOR ACCESS TO AND USE OF THE WEBSITE. YOU RELEASE THE COMPANY AND HOLD IT AND ITS THIRD-PARTY TECHNOLOGY PLATFORM PROVIDER, SUPPLIERS, AND PROVIDERS, AND ANY THIRD-PARTY WHO PROMOTES THE WEBSITE OR PROVIDES YOU WITH A LINK TO THE WEBSITE, HARMLESS FROM ANY AND ALL CLAIMS, DEMANDS, AND DAMAGES OF EVERY KIND AND NATURE AS CITED ABOVE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE WEBSITE. YOU WAIVE THE PROVISION OF ANY STATE OR LOCAL LAW LIMITING OR PROHIBITING A GENERAL RELEASE. *** ## 13. Release To the fullest extent permitted by applicable law, you release the Company and the other WLF Protocol Parties from responsibility, liability, claims, losses, demands and/or damages (actual and consequential) of every kind and nature, known and unknown (including, but not limited to, claims of negligence), arising out of or related to disputes between you and the acts or omissions of third parties. *** ## 14. Dispute Resolution; Arbitration {% hint style="danger" %} PLEASE READ THIS SECTION CAREFULLY: IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. IT CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER. {% endhint %} ### Binding Individual Arbitration Except for any disputes, claims, controversies, suits, actions, causes of action, demands or proceedings (collectively, "**Disputes**") in which either Party seeks injunctive or other equitable relief for the alleged unlawful use of intellectual property, including, without limitation, copyrights, trademarks, trade names, logos, trade secrets or patents, you and the Company (i) waive your and the Company's respective rights to have any and all Disputes between the Parties resolved in a court, and (ii) waive your and the Company's respective rights to a jury trial. Instead, ANY AND ALL DISPUTES BETWEEN YOU AND THE COMPANY MUST BE RESOLVED THROUGH BINDING ARBITRATION (which is the referral of a Dispute to one or more persons charged with reviewing the Dispute and making a final and binding determination to resolve it instead of having the Dispute decided by a judge or jury in court). Disputes subject to this provision include, without limitation, those arising from or related to (a) these Terms or the breach, termination or invalidity thereof; (b) any and all products or services sold, distributed or provided by the Company; and (c) any and all interactions or transactions between the Parties, whether heretofore or hereafter arising. ### No Class Arbitrations, Class Actions, or Representative or Collective Actions Any Dispute arising out of or related to these Terms is personal to you and the Company and will be resolved solely through individual arbitration and will not be brought as a class arbitration, class action or any other type of representative or collective proceeding. There will be no class arbitration or arbitration in which an individual attempts to resolve a Dispute as a representative of another individual or group of individuals. Further, a Dispute cannot be brought as a class or other type of representative action, whether within or outside of arbitration, or on behalf of any other individual or group of individuals. ### Informal Dispute Resolution The following must occur prior to and as a condition precedent to commencing a formal arbitration under these Terms. Each Party will notify the other Party in writing of any Dispute within thirty (30) days of the date it arises or becomes known, so that the Parties can attempt in good faith to resolve the Dispute informally. Notice to the Company shall be sent by e-mail to the Company at . Notice to you shall be by email to the then-current email address registered with the Company. Your notice must include (i) your name, postal address, email address and telephone number, (ii) a description in reasonable detail of the nature or basis of the Dispute, (iii) the date of any purchase, transaction or interaction at issue, as well as relevant documentation or screen captures if available, and (iv) the specific relief that you are seeking. For a period of sixty (60) days from the date of receipt of notice by the other party, the Parties agree to negotiate in good faith and in a timely manner about the Dispute, including through a minimum of one (1) telephonic dispute resolution conference. Dispute resolution conferences shall be individualized such that multiple individuals initiating claims cannot participate in the same conference, absent mutual agreement by the Parties. If either Party is represented by counsel, that Party's counsel may participate in the dispute resolution conference, but the Party also must appear at and participate in the conference. The Parties agree that any relevant limitations periods and arbitral fee(s) or other deadlines will be tolled during the sixty (60) day informal dispute resolution period. After this sixty (60) day period, the relevant limitations periods and filing fee(s) or deadlines are no longer tolled until filing is effectuated under this Section. If you and the Company cannot agree how to resolve the Dispute within the informal dispute resolution period and after participating in the mandatory dispute resolution conference, then either you or the Company may, as appropriate and in accordance with this Section, commence an arbitration proceeding or, to the extent specifically provided for in this Section, file a claim in court. ### Arbitration Process Except as otherwise provided in this Section for disputes concerning the use of intellectual property and those eligible to be heard in small claims court, any and all Disputes between the Parties, including without limitation those arising out of or relating to these Terms, or the breach, termination or invalidity thereof, shall be resolved through binding arbitration before the American Arbitration Association ("**AAA**") under its applicable rules and procedures including, where applicable, its Commercial Arbitration Rules, Consumer Arbitration Rules, and Mass Arbitration Supplementary Rules and their attendant procedures and fee schedules. You can review the AAA's rules and procedures at [www.adr.org/rules](https://www.adr.org/rules), or you can call the AAA at [1-800-778-7879](tel:1-800-778-7879). You or the Company may initiate arbitration by written notice and compliance with all applicable AAA filing requirements; you may serve your individual demands on the Company by mail at: **407 Ayre St. #1358** **Wilmington, Delaware 19804** **Email:** Absent agreement otherwise by both parties, the place of arbitration shall be Miami, Florida. The language of the arbitration shall be English. The arbitrator(s) shall have experience adjudicating matters involving Internet technology, software applications, financial transactions and, ideally, blockchain technology. The arbitrator will apply substantive law consistent with the Federal Arbitration Act (9 U.S.C. § 1 et seq., "**FAA**") and applicable statutes of limitations. The arbitrator's award of damages must be consistent with the terms of the "Limitation of Liability" subsection of these Terms as to the types and amounts of damages for which a party may be held liable. IF WE HAVE A DISPUTE ARISING OUT OF OR RELATING TO THE INTERPRETATION OR APPLICATION OF THIS ARBITRATION PROVISION, INCLUDING WITHOUT LIMITATION WHETHER IT IS VALID, CAN BE ENFORCED, OR APPLIES TO OUR DISPUTE, THAT DISPUTE WILL BE RESOLVED IN ARBITRATION. Except as may be required by law, neither a party nor its representatives may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of all parties. To the extent permitted by applicable law, the Parties shall each be responsible for their own attorneys' fees and costs associated with the arbitration. ### Mass Arbitrations In the event that 25 or more individual claims are filed by the same or coordinated counsel or are otherwise coordinated, counsel for the claimants and counsel for the respondent shall each select five (5) cases (per side) to proceed in individual arbitral proceedings as part of a batching process. Any remaining claims that have complied with the procedures in this Section shall not be filed or deemed filed in arbitration, nor shall any arbitration fees be assessed in connection with those claims, until they are selected to be filed as part of this batching process. At the outset of disputes under this provision, you and the Company agree to delegate to a Process Arbitrator all matters listed as within the scope of a Process Arbitrator's authority under the AAA Mass Arbitration Supplementary Rules, as well as disagreements concerning the validity, enforceability, and applicability of these terms, and any other matters that the parties mutually agree to delegate. During the batching process, a single arbitrator shall preside over each batch of cases. After decisions have been rendered in the first ten (10) cases, the Company and all claimants shall engage in a global mediation in an attempt to resolve the remaining cases with the benefit of the decisions in the first batch of cases. If the parties are unable to resolve the remaining cases after the mediation, each side shall select another ten (10) cases (per side) to proceed to individual arbitral proceedings as part of a second batching process. The parties may, but are not required to, agree in writing to modify the number of cases to be included at each stage of the batching process. After decisions have been rendered in this second batch of cases, the Company and all claimants shall engage in a second global mediation in an attempt to resolve the remaining cases with the benefit of the decisions in the first two (2) batches of cases. If the Parties have not resolved the remaining disputes at the close of the second global mediation, the Company or any individual claimant(s) whose claim has not been adjudicated may elect to opt out of arbitration by providing notice to the other Party, and if the claimant or the Company wishes to proceed with the claim they may file an individual (non-class, non-representative) action in court. If the Company or any claimant(s) do not opt out, those remaining claims will proceed in arbitration in continued batches of one-hundred (100) claimants per batch (to the extent there are fewer than one-hundred (100) claimants outstanding, a final batch will consist of the remaining claimants). This batching process shall in no way be interpreted as authorizing class or representative arbitration or litigation of any kind. In order to increase the efficiency of the administration and resolution of arbitrations, and if consistent with the relevant rules and procedures, the arbitral tribunal shall: (i) designate a single arbitrator for each batch; (ii) provide for a single filing fee due per side per batch; and (iii) allow joint conferences and joint hearings, and such other coordinated procedures as the arbitrator deems appropriate. The applicable limitations period(s) and filing fee deadlines shall be tolled for each claim subject to this Section from the time that the arbitral filing requirements are satisfied with respect to that claim. A court shall have authority to enforce these mass arbitration provisions and, if necessary, to enjoin a court or arbitral filing in violation thereof. ### Severability of Dispute Resolution; Arbitration The agreement to arbitrate contained in this Section shall continue in full force and effect despite the expiration or termination of these or other related terms. If any term, clause or provision of this Section is held invalid or unenforceable, it will be held to the minimum extent required by law, and all other terms, clauses and provisions of this Section will remain valid and enforceable. Further, the waivers set forth in Section are severable from the other provisions of these Terms and will remain valid and enforceable, except as prohibited by applicable law. *** ## 15. Governing Law and Venue This Agreement, and all questions concerning the construction, validity, enforcement and interpretation thereof, will be governed by and construed and enforced in accordance with the laws of the State of Delaware, without regard to conflict of law rules or principles (whether of Delaware or any other jurisdiction) that would cause the application of the laws of any other jurisdiction. The arbitration agreement in these Terms is governed by the FAA, including its procedural provisions, in all respects. State arbitration laws do not govern in any respect. Further, you and the Company each agree that the Terms evidence a transaction involving interstate commerce, and will be governed by and construed in accordance with federal law to the fullest extent possible. Any Dispute between the Parties arising out of or relating to these Terms that is not subject to arbitration or cannot be heard in small claims court will be resolved and filed only in the courts of the State of Florida. You hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of these Terms. *** ## 16. Severability If any term, clause, or provision of these Terms is held to be illegal, invalid, void, or unenforceable (in whole or in part), then such term, clause, or provision shall be severable from these Terms without affecting the validity or enforceability of any remaining part of that term, clause, or provision, or any other term, clause, or provision in these Terms, which will remain in full force and effect. Any invalid or unenforceable provisions will be interpreted to affect the intent of the original provisions. If such construction is not possible, the invalid or unenforceable provision will be severed from these Terms, but the rest of these Terms will remain in full force and effect. *** ## 17. Miscellaneous These Terms constitute the entire agreement between you and us relating to your use, acquisition and/or holding of Tokens. We may make changes to these Terms from time to time as reasonably required to comply with applicable law or regulation. If we make changes, we will post the amended Terms at [worldlibertyfinancial.com](https://worldlibertyfinancial.com) and include the date of the update. We may also attempt to notify you through other communications channels. The amended Terms will be effective immediately. We may assign our rights and obligations under these Terms. Our failure to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision. We will not be liable for any delay or failure to perform any obligation under these Terms where the delay or failure results from any cause beyond our reasonable control. Using, acquiring or holding Tokens does not create any form of partnership, joint venture or any other similar relationship between you and us. Except as otherwise provided in herein, these Terms are intended solely for the benefit of you and us and are not intended to confer third-party beneficiary rights upon any other person or entity. You agree and acknowledge that all agreements, notices, disclosures, and other communications that we provide to you, including these Terms, will be provided in electronic form. # WLFI Risk Disclosures {% hint style="info" %} **Updated on:** March 3, 2026 {% endhint %} You should read each of these risk disclosures (the "**Risk Disclosures**") carefully before deciding to acquire or use $WLFI (the "**Tokens**") issued by World Liberty Financial LLC (the "**WLFI**"). *** ## Risks Related to $WLFI Tokens ### 1. Governance Rights are Subject to Certain Limitations The Tokens only confer governance rights with respect to certain matters relating to the World Liberty Financial Protocol (the "**WLF Protocol**") and are subject to certain limitations. The Tokens provide no rights of any kind with respect to the governance of World Liberty Financial LLC or its affiliates. WLFI is not required to implement any proposal if it determines implementation would require an unreasonable risk of violation of a legal requirement (including contractual obligations) or a security risk as defined in WLFI's governing documents, or as defined in any community guidelines or standards that may be adopted by $WLFI holders in the future. ### 2. The Tokens Provide No Rights other than Governance Rights through the WLF Governance Protocol The sole functionality of the Tokens is governance of the WLF Protocol, subject to the restrictions described herein. Token holders have no other rights, including no economic or other rights with respect to the WLF Protocol or WLFI. Accordingly, you should have no expectation to profit as a result of any proposed or future rights or features of the Tokens, WLF Protocol or WLFI, or the success or failure of the Tokens, WLF Protocol, or WLFI. You should assume that any economic benefits from the WLF Protocol will accrue to WLFI, users of the platform and service providers or others. Your decision to purchase the Tokens should solely be based on the desire to participate in governance of the WLF Protocol regardless of any specific rights or features or the future success or failure of the Tokens, WLF Protocol, WLFI, or other expectations. ### 3. $WLFI do not provide any rights to dividends, airdrops or other forms of distributions $WLFI is a governance token. Holding the token does not provide any right to any dividend, reward, airdrop or other distribution or form of income. If an airdrop voluntarily occurs you should not expect a second airdrop. Token holders should not expect any passive income from holding $WLFI. ### 4. Risk of Insufficient Participation in Governance Token holder governance requires a minimum quorum of 5% of the total votable Token supply in order for a proposal to be effective. If there are insufficient participants, proposals may not be effective even if enacted. The Token Sale requires no minimum of Tokens to be purchased. ### 5. Risk of Loss of Interest in Governance Participation The sole purpose of purchasing the Tokens should be to participate in governance of the WLF Protocol. The interest or value you find in participating in such governance through the Tokens could change or decline over time for a variety of reasons. For example, interest in participation in governance could change if there is limited participation by others in governance, if you decide to engage with alternative platforms or spend your time and energy otherwise, if you disagree with governance decisions on the World Liberty Financial Governance Platform ("**WLF Governance Platform**") or otherwise, the WLF Protocol does not meet your expectations, or the popularity of the WLF or Donald Trump brand, or termination of service agreements providing rights to be associated with that brand. The WLF Protocol itself may not meet any person's expectations and is subject to a number of risks and uncertainties, but you should not purchase the Tokens based on any expectation that the value you or others may find in participating in governance or the Token itself will increase (or not decrease) over time for any reason. You should think of your purchase of Tokens like other non-refundable purchase of an intangible good or service and accept the risk that once you've paid the purchase price, your interest may decline, and you have no expectation to recover any of the purchase price through resale or otherwise. ### 6. Risk of Changes to Governance Rights Governance proposals from Token holders may cause changes to the WLF Protocol governance rights, and WLFI is not responsible for any changes in WLF Protocol governance functionality which stem from such changes. ### 7. If you do not participate in voting, you will not be able to influence decisions related to the WLF Protocol $WLFI are being offered and sold for participation in governance of the WLF Protocol. If you do not participate in governance, you will not be able to influence governance of the WLF Protocol. If you do not plan to participate in governance, you should not purchase the Token. ### 8. Holders of larger token positions may have ability to exert more influence over governance decisions All $WLFI will have equal voting power within the WLF Protocol, but no person may vote in excess of 5% of the outstanding votable Token supply regardless of the number of $WLFI held. WLFI will limit voting from any wallet (software application or hardware device that securely manages your public and private keys related to a blockchain address, a "**Wallet**") to 5% of the total Token supply and, if known to WLFI, any Wallets which WLFI understands to be affiliated will be limited to 5% in the aggregate of the total votable Token supply. Nevertheless, WLFI may not be able to determine if Wallets are affiliated. Some Token holders may seek to coordinate their votes to effectively increase their voting rights above the 5% threshold. At launch WLFI anticipates that there will be several parties which may have 5% of the total Token supply, including WLF directors and officers, advisors, promoters and service providers and their affiliates. The WLF Protocol restrictions on any such efforts to thwart this voting threshold might not necessarily be successful in stopping such coordinated voting efforts. ### 9. Dependence on Third Parties for Governance Functionality In order to participate in governance of the WLF Protocol, you must register with or access third parties. In order to participate in discussions around proposals, you must register with the WLF Forum. In order to vote, you must connect your Wallet to Snapshot. We also may elect to use other third parties in the future for governance functionality. If one or more of these parties becomes unavailable for any other reason, we may need to seek other solutions and your ability to make proposals or vote could be limited for a period of time or indefinitely. ### 10. Risk of Limitations Imposed by Third Party Custodians on Governance If you hold your Tokens with a third-party custodian, your ability to vote may be subject to any restrictions imposed through such custodian for proxy voting or otherwise. If you use such a custodian, you are solely responsible for confirming any restrictions and the risk these could change and as a result be unable to use the Tokens to participate in governance. You should not seek to purchase the Tokens if you cannot participate in governance of the WLF Protocol as this is the sole functionality of the Token. ### 11. Risks and Uncertainty of Classification of Digital Assets Regulation of tokens (including the Tokens), token offerings, or token purchases, cryptocurrencies, blockchain technologies, and cryptocurrency exchanges is not yet mature and likely to rapidly evolve, varies significantly among international, federal, state and local jurisdictions, and is subject to significant uncertainty and varying interpretations. Various legislative and executive bodies in the United States and in other countries may in the future adopt laws, regulations, guidance, or other actions, which may severely impact the adoption and utility of the Tokens. The classification of digital assets and transactions involving digital assets has implications for how existing laws apply to those assets and transactions. For example, if the Tokens were deemed securities in the United States, the ability to acquire, trade, hold, use or otherwise enter into transactions involving the Tokens would be more limited. If the Tokens were determined to be a security, it could also have significant regulatory consequences for us or other parties, including enforcement actions, fines, penalties, and a requirement to register the Token under U.S. federal securities laws. Any such developments could negatively impact the utility and value of the Tokens and impose additional compliance and disclosure obligations that make the Tokens more difficult to access, use or transact. ### 12. Risks from Taxation The tax characterization of $WLFI is uncertain. You must seek your own tax advice in connection with the acquisition, storage, transfer (if applicable), and use of $WLFI, which may result in adverse tax consequences to you, including, without limitation, withholding taxes, transfer taxes, value added taxes, income taxes and similar taxes, levies, duties, or other charges and tax reporting requirements. ### 13. "As is" Status of Tokens and Use of WLF Protocol Proceeds As the WLF Governance Platform has already been substantially developed, you should consider the WLF Governance Platform and Token to be "**as is**" without further development, and WLFI does not intend to use the proceeds from the Token Sale or other sources of WLF Protocol revenues to develop or enhance the functionality of the Token or WLF Governance Platform or otherwise administer Token voting. ### 14. Only a Portion of $WLFI Are Transferable $WLFI are non-transferable and accordingly may not be transferred or resold. $WLFI holders approved a proposal in July 2025 to make the $WLFI token transferable, and WLFI is expected to unlock tradability for a portion of $WLFI tokens sold to early purchasers subject to an unlock schedule. The remainder of the $WLFI tokens sold to early supporters is intended to be subject to a second vote by the community to determine the unlock and release schedule. Unlock schedules for initial founders, advisors, and others are expected to remain non-transferable, and in any case, subject to a longer unlock schedule. WLFI retains discretion to determine the timing and eligibility requirements regarding unlocking $WLFI. ### 15. Risk of Malfunction in the WLF Protocol or the WLF Governance Platform It is possible that the WLF Governance Platform malfunctions in an unfavorable way, including one that results in the inability to propose and vote on proposals or the loss of $WLFI. ### 16. Risk of Theft and Hacking Hackers or other groups or organizations or countries may attempt to interfere with the WLF Governance Platform or the availability of $WLFI in any number of ways, including service attacks, denial of service attacks, Sybil attacks, spoofing, smurfing malware attacks, or consensus-based attacks, or phishing, or other novel methods that may or may not be known to steal $WLFI. Any such successful attacks could result in theft or loss of your payment of USD1, ETH, WETH, USDC, USDT, or other cryptocurrency or your Tokens, adversely impacting the ability to use the WLF Governance Platform and derive any usage or functionality from the Tokens. ### 17. Risk of Losing Access to $WLFI Due to Wallet Incompatibility A valid Ethereum address from an ERC native token Wallet is required to receive your $WLFI. Non-compatible Wallet addresses will not be accepted. In addition, the Ethereum address used must not be associated with a third-party exchange or service that has custody over the private key. You must own the private key if your address is an exchange address. ### 18. Risks Associated with the Ethereum Blockchain $WLFI operates on the Ethereum blockchain. As such, any malfunction, unintended function, unexpected functioning of or attack on the Ethereum blockchain may cause the WLF Protocol or $WLFI to malfunction or function in an unexpected or unintended manner. Ethereum may be the target of malicious attacks seeking to identify and exploit weaknesses in the software, which may result in the loss or theft of $WLFI. For example, if $WLFI or Ethereum are subject to unknown and/or known security attacks (such as double-spend attacks, 51% attacks, or other malicious attacks), such attacks may materially and adversely affect the WLF Protocol and the utility of the $WLFI. ### 19. Risks Associated with Purchaser Credentials Any third party that gains access to or learns of your Wallet credentials or private keys may be able to control your $WLFI. To minimize this risk, you should guard against unauthorized access to your electronic devices. Best practices dictate that you safely store private keys in one or more backup locations geographically separated from the working location. In addition, you are responsible for giving us the correct public key for your Wallet (the "**Token Receipt Address**") to send you your $WLFI. If you give us the incorrect Token Receipt Address to send your $WLFI to, we are not responsible for any loss of $WLFI that may occur. ### 20. Risk of Weaknesses or Exploitable Breakthroughs in Cryptography Advances in cryptography, or technical advances such as the development of quantum computers, could present risks to $WLFI and the WLF Protocol by rendering ineffective the cryptographic consensus mechanism that underpins many blockchains, including the Ethereum blockchain. Smart contracts and their underlying software application are still in an early development stage and may be unproven. There is no warranty or assurance that the process for obtaining or using $WLFI will be uninterrupted or error-free, and there is an inherent risk that the software could contain defects, weaknesses, vulnerabilities, viruses, or bugs causing, inter alia, the complete loss of any USD1, ETH, WETH, USDC, USDT, or other cryptocurrency you contribute, the theft or loss of your Tokens, or a reduction in the utility of your Tokens. ### 21. $WLFI are Not Investments You should not acquire $WLFI as an investment on a speculative basis or otherwise, for a financial purpose or with an expectation of resale for a profit or otherwise. ### 22. Risk of Uninsured Losses In the event of any loss of your Token or your ability to access third party Wallet applications, there is no public insurer, such as the Federal Deposit Insurance Corporation, or private insurer, to offer recourse to the purchaser. You further acknowledge that any funds that you consider to be invested in $WLFI will not be protected, guaranteed, or reimbursed by any governmental, regulatory, or other entity. ### 23. Risks of compensating certain WLFI directors and officers, advisors, service providers, and others, and their affiliates for the operation and marketing of the WLF Protocol WLFI directors and officers, advisors, service providers, and others, and their affiliates are entitled to receive an initial allocation of Tokens as well as the right to receive a portion of the net protocol revenues from any source, including token sales and from the operation of the WLF Protocol. This compensation program may create a conflict of interest, by motivating such persons to operate and promote $WLFI, the WLF Governance Platform or the WLF Protocol in a manner that is not in the best interests of the WLF Protocol Token holders. For example, these persons could be motivated to make or recommend riskier or more speculative decisions in order for the WLF Protocol to generate additional fees to higher compensation, which may have no benefit or harm the interests of Token holders. Each Token holder must determine if this purchase is appropriate for such potential Token holder. DT Marks DEFI LLC, an entity affiliated with Donald J. Trump and certain of his family members, owns approximately 38% of the equity interests in WLF Holdco LLC, which holds the only membership interest in World Liberty Financial LLC, a Florida limited liability company and which is developing the WLF protocol and operates the WLF governance platform. WLF Holdco LLC holds all of the rights to net protocol revenues from the WLF protocol (other than net proceeds from the sale of $WLFI tokens) pursuant to the terms of agreements with World Liberty Financial LLC. None of Donald J. Trump, his family members or any director, officer or employee of Trump Organization or of DT Marks LLC is an officer, director or employee of, WLF Holdco LLC or World Liberty Financial LLC. DT Marks DEFI LLC along with certain family members of Donald J. Trump also holds 22.5 billion $WLFI tokens, and DT Marks DEFI LLC is entitled to receive fees from World Liberty Financial LLC pursuant to a service agreement, equal to 75% of $WLFI token sale proceeds after deduction of agreed reserves, expenses and other amounts. Additionally, a portion of the $WLFI token supply has been or will be transferred into a treasury arrangement with ALT5 Sigma Corporation, a publicly traded company. These arrangements may create conflicts of interest or concentrated voting power. ### 24. Risk of WLFI Dissolution WLFI operates the WLF Governance Platform. If WLFI were to dissolve for any reason, it is possible that you could lose the continued governance functionality of $WLFI due to any number of reasons, including, but not limited to, (i) insufficient financial resources, (ii) a decrease in $WLFI utility due to (iii) negative adoption of the WLF Protocol, (iv) an unfavorable fluctuation in the value of USD1, ETH, WETH, USDC, USDT, or other cryptocurrency (or other cryptographic and fiat currencies), (v) the failure of commercial relationships, or (vi) intellectual property ownership challenges. If these or other events occur, WLFI, the WLF Governance Platform, and the WLF Protocol may no longer be viable to operate, and the project may dissolve, corresponding with a loss of Token functionality. ### 25. Risk of Token Upgrades It is possible that the $WLFI could be updated or upgraded in the future. An upgrade to how $WLFI is used may be required or recommended, and, if you decide not to participate in such an upgrade, you may no longer be able to use your Tokens, and any non-upgraded $WLFI may lose its governance functionality in full. ### 26. Risk of Additional Token Issuances WLFI reserves the right to issue other tokens in the future which may have different features or functionality than the Token. Holders of the Token have no rights to any such future tokens. ### 27. Unanticipated Risks Cryptographic tokens are a relatively new and untested technology. In addition to the risks discussed in these Terms, there are risks that we cannot anticipate. Further risks may materialize as unanticipated combinations or variations of the discussed risks or the emergence of new risks. ### 28. A Liquid Secondary Market for $WLFI May not Develop Only a portion of $WLFI are currently transferable. If additional tokens are unlocked, it may adversely affect secondary market activity. Some platforms purport to offer trading in $WLFI, on a when-issued basis or otherwise, but such trading is not authorized by WLFI and any pricing or volumes reflected in such markets may not necessarily be indicative of future pricing or trading activity. A secondary market may or may not arise or be sustained for $WLFI. *** ## Disclosures about Risks Related to the WLF Protocol You should not acquire Tokens based on any expectations about the features, functionality or success or failure of the WLF Protocol. If your decision to purchase Tokens may be motivated by such expectations, do not acquire the Tokens. WLFI hopes that many Token holders participate in the WLF Protocol when available, but $WLFI ownership is not a requirement for use of the WLF Protocol and the $WLFI provides no rights relating to the WLF Protocol other than the governance rights as set forth in. Eligibility to use the WLF Protocol or certain features of the WLF Protocol may be limited and $WLFI ownership provides no rights to use the WLF Platform. You should be aware that the WLF Protocol itself may be subject to a number of risks and uncertainties, including but not limited to those identified below. The WLF Protocol Terms and Policies, when available, may include additional risk disclosures for users, depending on the intended functionality of the WLF Protocol at that time. ### 1. The features and functionality of the WLF Protocol are subject to change, and any features may be stopped, curtailed or restricted at any time. The WLF Protocol may undergo significant conceptual, technical, regulatory, commercial and other changes over time, some of which may be determined at the sole discretion of WLFI and some of which may be proposed and approved by Token holders. WLFI will have discretion as to when and how to make these changes. Moreover, WLFI may limit or control how other participants use the WLF Protocol, which services may be offered through, and which assets may be supported by, the WLF Protocol by third parties, or how third-party services will interact with the WLF Protocol (if at all). This could create the risk that the WLF Protocol may not meet expectations for any number of reasons including mistaken assumptions or analysis, a change in the design and implementation plans, regulatory developments and execution of the WLF Protocol. Furthermore, it possible that the WLF Protocol will experience malfunctions or otherwise fail to be adequately developed or maintained, which may negatively impact the WLF Protocol. ### 2. The features and functionality of the WLF Protocol depend in part on third parties The WLF Protocol plans to license software from third parties and to provide information about and access to third party DeFi applications. The third-party software may include bugs or other vulnerabilities, which may cause harm or disruption to the WLF Protocol. The ability to access third party DeFi applications via the WLF Protocol sometimes requires the approval of other companies, DAOs or other persons. Access to such applications also may require technical or other support to integrate those third parties into the WLF Protocol. It may also require agreements around fee allocations. If approval is required, certain features or functionalities may be contingent upon or limited by such approvals, and may not be available at a particular time for all or some users. ### 3. The features and functionality of the WLF Protocol may be subject to limitations under applicable law. The application, interpretation, or re-interpretation of existing law to digital assets and decentralized finance is subject to substantial risks of uncertainties, and new laws may come into effect that regulate digital asset and decentralized finance that may be accessed via the WLF Protocol. For example, in the United States, the SEC has initiated or settled a large number of actions against digital asset related companies and persons, including a number involved in the DeFi space. Several of these actions are ongoing, and depending on how they are resolved, could impact DeFi protocols, including the WLF Protocol. The WLF Protocol may choose not to implement, cease, or modify any WLF Protocol features and functionality based on determinations of applicable law. ### 4. Risk of Insufficient Interest in the WLF Protocol. It is possible that the WLF Protocol will not be used by a large number of businesses, individuals, and other organizations and that there will be limited public interest. There could be loss of interest in the WLF Protocol for a variety of reasons, including but not limited to, limitations imposed by regulatory requirements that are not followed by other protocols, users finding alternative platforms more useful or technically superior, any reputational harm suffered by WLFI or the WLF Protocol, general economic conditions, or conditions with respect to the markets for digital assets in particular. ### 5. The popularity of the WLF Protocol depends in part on the popularity of its brand and the reputation and popularity of President Donald J. Trump. WLF cannot guarantee that any individuals, or any particular person, will remain affiliated with WLF. If certain individuals were to cease their affiliation with WLFI, WLF's and the WLF Protocol's operations could suffer. WLF is party to a services agreement pursuant to which DT Marks DEFI, LLC agrees to promote the WLF Protocol. The value of WLFI's brand may diminish if the popularity of President Trump were to suffer. Adverse reactions to publicity relating to President Trump, or the loss of his services, could adversely the ability to maintain or generate users. ### 6. Risks of the termination of the service agreement with DT Marks DEFI, LLC. Risks of the termination of the service agreement with DT Marks DEFI, LLC. WLFI has entered into a services agreement with DT Marks DEFI LLC and sought to align its brand with Donald J. Trump, but DT Marks DEFI, LLC may terminate the services agreement upon certain “cause” type events or upon its decision not to renew the 5-year term of the services agreement, which would cause WLFI to need to rebrand and which could adversely affect the ability of the WLF Protocol to maintain or generate users. ### 7. Unfavorable Regulatory Actions could harm the WLF Protocol. Regardless of the efforts of the WLF Protocol to comply with applicable law, any alleged or actual failure to comply with applicable law by WLFI, the WLF Protocol, or certain users of the WLF Protocol could result in a variety of adverse consequences, including, but not limited to, criminal and civil penalties, injunctions and fines. ### 8. Risk of Unknowable or Unfavorable Regulatory Development in One or More Jurisdictions. Regulation of tokens (including the Tokens), token offerings, or token purchases, cryptocurrencies, blockchain technologies, and cryptocurrency exchanges is not yet mature and likely to rapidly evolve; varies significantly among international, federal, state and local jurisdictions; and is subject to significant uncertainty. Various legislative and executive bodies in the United States and in other countries may in the future adopt laws, regulations, guidance, or other actions, which may severely impact the development and growth of the WLF Protocol and the adoption and utility of the Tokens. As distributed ledger networks and distributed ledger assets have grown in popularity and in market size, federal and state agencies have begun to take an interest in and, in some cases, regulate their use and operation. To the extent that a domestic government or quasi-governmental agency exerts regulatory authority over a distributed ledger network or asset, the WLF Protocol may be materially and adversely affected. Distributed ledger networks also face an uncertain regulatory landscape in many jurisdictions such as the United States, the European Union, China, and Russia. Various foreign jurisdictions may, in the near future, adopt laws, regulations or directives that affect the WLF Protocol. Such laws, regulations or directives may be in conflict with each other or may directly and negatively impact our business. The effect of any future regulatory change is impossible to predict, but such change could be substantial and materially adverse to the development and growth of the WLF Protocol. New or changing laws and regulations or interpretations of existing laws and regulations, in the United States and other jurisdictions, may materially and adversely impact the structure, rights, and viability of the WLF Protocol. ### 9. We reserve the right to block and freeze Wallet addresses WLFI reserves the right to deny access to certain Wallet addresses and freeze associated Tokens (temporarily or permanently) that WLFI determines, in its sole discretion, are associated with illegal activity or activity that otherwise violates the applicable Tokens terms. In the event that you send Tokens to such a blocked address, or receive Tokens from a blocked address, WLFI may freeze such Tokens and take steps to terminate your account. In certain circumstances, WLFI or related parties may deem it necessary to report such suspected illegal activity to applicable law enforcement agencies and you may forfeit any rights associated with your Tokens. WLFI or associated parties may also be forced to freeze Tokens and/or surrender associated reserves in the event any party receives a legal order from a valid government authority requiring it to do so. WLFI or associated parties reserve the right to block the transfer of Tokens to and from any address on chain. ### 10. The WLF Protocol will compete with other platforms that operate or provide access to DeFi protocols. There are currently alternative platforms that operate or provide access to the same or similar services as initially offered on the WLF Protocol, and it is possible that alternative platforms could be established in the future that offer the same or materially similar services as offered on the WLF Protocol. The WLF Protocol may compete with these alternative platforms, which could negatively impact the WLF Protocol. ### 11. Risk of Security Weaknesses in the WLF Protocol Core Infrastructure Software. The WLF Protocol expects to operate using proprietary and open-source software maintained by WLFI and other contributors. As a project built using open-source software, some core infrastructure elements of the WLF Protocol may not be represented, maintained, or monitored by an official organization or authority. The open-source nature of such software means that it may be difficult for WLFI or contributors to maintain or develop it and WLFI may not have adequate resources to address emerging issues or malicious programs that develop within the WLF Protocol or its core infrastructure software adequately or in a timely manner. Third parties not affiliated with WLFI may introduce weaknesses or bugs into the core infrastructure elements of the WLF Protocol and open-source code which may negatively impact the WLF Protocol. Such events may result in a loss of trust in the security and operation of the WLF Protocol, and a decline in user activity and could negatively impact the WLF Protocol. ### 12. Risks Associated with Our Intellectual Property. WLFI may consider some technology that it develops to be proprietary. Our ability to compete depends in part upon our ability to protect our rights to the technology that we develop. WLFI may also rely on trademark, copyright, and trade secret law to protect its rights. However, these laws offer only limited protection. In addition, other countries may provide WLFI with little to no intellectual property right protection. As the number of distributed ledger products and services available to consumers increase, and as the uses of such products and services overlap, companies in the industry may become subject to additional intellectual property disputes. Any litigation to protect our intellectual property rights would be expensive, time-consuming, and unpredictable. Such litigation could adversely affect our business, including our financial condition, regardless of the outcome. There can be no assurances that any steps taken to protect intellectual property rights will be successful in deterring misappropriation or independent third-party development of our technology. Similarly, third parties may assert infringement and misappropriation claims against us. Regardless of the merit, these actions could distract management from our business and adversely affect our financial condition and operating revenues. WLFI may need to enter into confidentiality agreements with its consultants, business partners and investors in an attempt to protect WLFI's proprietary rights. Nevertheless, these attempts to protect our proprietary rights may be inadequate. If WLFI is unable to protect its intellectual property, the utility of the Tokens may decline or diminish and the WLF Protocol may fail. ### 13. Risks Associated with Data Privacy Laws There are a number of data protection, security, privacy and other government- and industry-specific requirements, including those that require companies to notify individuals of data security incidents involving certain types of personal data. Security compromises could harm the WLF Protocol's reputation, erode user confidence in the effectiveness of its security measures, negatively impact its ability to attract new users, or cause existing users to stop using the WLF Protocol, which would reduce or diminish the utility of the WLF Protocol and cause the WLF Protocol to fail. ### 14. WLFI was only formed recently and has a limited operating history, and the WLF Protocol has not launched. WLFI was incorporated in September 2024 and has limited operating history, and the WLF Protocol may encounter risks and challenges frequently experienced by early stage companies or blockchain-based protocols. ### 15. Risks of Indemnity Obligations. WLFI's governing documents expressly limit the liability of its directors and officers by providing that they will not be liable or accountable, except in limited circumstances. In addition, under WLFI's governing documents, WLFI is required to indemnify its directors, officers, employees, members, and those persons holding private keys for WLF multi-sig Wallets to the extent permitted by applicable law from and against any and all damages arising from operations of WLFI, provided, that with respect to the those persons holding private keys for WLF multi-sig Wallets, indemnification is not available if the damages arose from such person's gross negligence or intentional misconduct. Also, WLFI has agreed under services agreements with DT Marks DEFI, LLC and others to indemnify DT Marks DEFI, LLC and certain of its affiliates from any and all damages arising from operations of WLFI and these WLF Protocol. WLFI's indemnity obligations may have an adverse impact on WLFI and its cash available to operate the WLF Protocol. # MiCA Whitepaper The Markets in Crypto-Assets (MiCA) Whitepaper provides regulatory compliance documentation for the European market. {% embed url="" %} WLFI MiCA Whitepaper {% endembed %} {% hint style="info" %} **Download:** [Click here to download the MiCA Whitepaper PDF](https://static.worldlibertyfinancial.com/docs/mica-whitepaper.pdf) {% endhint %} # Bridge The World Liberty Financial Bridge enables seamless cross-chain transfers of **WLFI** and **USD1** tokens across multiple blockchain networks. Built on [Chainlink CCIP](https://docs.chain.link/ccip) (Cross-Chain Interoperability Protocol), the bridge provides secure, decentralized token transfers with industry-leading security guarantees. ## Overview The WLFI Bridge leverages Chainlink CCIP to facilitate token transfers between supported networks. CCIP is a blockchain interoperability protocol that enables secure cross-chain token transfers validated by multiple decentralized oracle networks (DONs). ### Key features * **Multi-chain support**: Bridge tokens across Ethereum, BNB Chain, Solana, Aptos, and other networks * **Dual token support**: Transfer both WLFI governance tokens and USD1 stablecoins * **Defense-in-depth security**: Provided by Chainlink's battle-tested oracle infrastructure * **Rate limiting**: Built-in safeguards to mitigate risk during transfers * **Custom destination addresses**: Send tokens to any valid address on the destination chain ## Supported tokens ### USD1 USD1 is World Liberty Financial's stablecoin. It can be bridged across the following networks: | Network | Bridge direction | Token decimals | | --------- | ----------------------------------------- | -------------- | | Ethereum | Source & destination | 18 | | BNB Chain | Source & destination | 18 | | Plume | Source & destination | 18 | | Aptos | Source (via Transporter.io) & destination | 8 | | AB | Source & destination | 18 | | Monad | Source & destination | 6 | | Mantle | Source & destination | 18 | | Morph | Source & destination | 18 | | Solana | Source (via Transporter.io) & destination | 6 | ### WLFI WLFI is the governance token of World Liberty Financial. It can be bridged across: | Network | Bridge direction | Token decimals | | --------- | ----------------------------------------- | -------------- | | Ethereum | Source & destination | 18 | | BNB Chain | Source & destination | 18 | | Solana | Source (via Transporter.io) & destination | 6 | ## Supported bridge routes ### USD1 routes
From ↓
To →		ETHBNBPlumeABMonadMantleMorphAptosSolana
Ethereum—✅✅✅✅✅✅✅✅
BNB Chain✅—❌❌❌❌❌✅✅
Plume✅❌—❌❌❌❌❌❌
AB✅❌❌—❌❌❌❌❌
Monad✅❌❌❌—❌❌❌❌
Mantle✅❌❌❌❌—❌❌❌
Morph✅❌❌❌❌❌—❌❌
Aptos✅*✅*❌❌❌❌❌—❌
Solana✅*✅*❌❌❌❌❌❌—
> ✅\* = via [Transporter.io](https://app.transporter.io/) ### WLFI routes | **From ↓ / To →** | **Ethereum** | **BNB Chain** | **Solana** | | ----------------- | ------------ | ------------- | ---------- | | **Ethereum** | — | ✅ | ✅ | | **BNB Chain** | ✅ | — | ✅ | | **Solana** | ✅\* | ✅\* | — | > ✅\* = via [Transporter.io](https://app.transporter.io/) {% hint style="info" %} Bridging out from Aptos and Solana is currently available via [Transporter.io](https://app.transporter.io/), a third-party bridge interface provided by Chainlink CCIP. This functionality will be accessible through the World Liberty Financial website soon. {% endhint %} ## How it works The WLFI Bridge uses two primary token pool mechanisms depending on the network: ### Lock & release (Ethereum) For WLFI tokens on Ethereum, the bridge uses a **Lock & Release** mechanism: 1. Tokens are locked in a pool on the source chain (Ethereum) 2. Equivalent tokens are released on the destination chain 3. When bridging back, tokens are burned on the destination and released from the lock on Ethereum ## Bridge fees Bridge fees are paid in the **native token** of the source network: | Source network | Fee token | | -------------- | --------- | | Ethereum | ETH | | BNB Chain | BNB | | Plume | PLUME | | Aptos | APT | | AB | AB | | Monad | MON | | Mantle | MNT | | Morph | ETH | | Solana | SOL | The bridge interface displays the estimated fee in both the native token amount and USD equivalent before you confirm the transaction. ## How to bridge tokens ### Step 1: Connect your wallet Connect a compatible wallet that supports the source network you want to bridge from.
### Step 2: Select networks 1. Choose your **source network** (From) - the network where your tokens currently reside 2. Choose your **destination network** (To) - where you want to receive the tokens 3. You can click the convert button to quickly reverse the source and destination
### Step 3: Select token and amount 1. Choose either **USD1** or **WLFI** token 2. Enter the amount you wish to bridge 3. Use the "Max" button to bridge your entire balance (respecting rate limits)
### Step 4: Specify destination address (Optional) By default, tokens are sent to your connected wallet address on the destination chain. You can specify a different receiving address if needed.
{% hint style="warning" %} Double-check the destination address before confirming. Sending tokens to an incorrect address may result in permanent loss of funds. {% endhint %} ### Step 5: Review and confirm 1. Review the transaction details including: * Estimated transfer time * Bridge fee * Amount to be received (after fees, if applicable) * Gas fee estimate 2. Approve the token spend if this is your first bridge transaction 3. Confirm the bridge transaction in your wallet
### Step 6: Track your transfer After submitting, you can track your bridge transaction in the **Activity** section. Bridge transfers typically complete within seconds to minutes, depending on the source and destination chains.
## Rate limits To protect users and maintain security, the bridge implements rate limiting on token transfers. Rate limits control: * **Maximum transfer amount** per transaction * **Refill rate** - how quickly the available capacity replenishes If you need to bridge an amount exceeding the current rate limit, you may need to split your transfer into multiple transactions or wait for the limit to refill. ## Security The WLFI Bridge benefits from Chainlink CCIP's robust security framework: ### Decentralized validation Cross-chain transactions are validated by multiple independent, decentralized oracle networks (DONs), preventing single points of failure. ### Rate limiting Built-in rate limiting helps mitigate risk by controlling the flow of tokens across chains. ### Security-reviewed node operators The bridge is secured by globally distributed, security-reviewed node operators with extensive DevOps expertise and rigorous key management practices. ### Proven infrastructure CCIP leverages the same reliable infrastructure as Chainlink Data Feeds, which has enabled trillions in transaction value across hundreds of DeFi applications. ## Troubleshooting ### Transaction pending Bridge transactions may take longer during periods of high network congestion. Check the Activity page for status updates. ### Insufficient balance for fees Ensure you have enough native tokens (ETH, BNB, etc.) to cover both the bridge fee and gas costs. ### Unsupported route If you see a message that a route is not supported, check the [Supported Bridge Routes](#supported-bridge-routes) section for available options. ### Rate limit exceeded If your transfer amount exceeds the rate limit, try bridging a smaller amount or wait for the limit to refill. ## Additional Resources * [Chainlink CCIP Documentation](https://docs.chain.link/ccip) * [USD1 Token Information](/usd1-token/what-is-usd1) * [WLFI Token Information](/wlfi-token/tokenomics) * [Contract Addresses](/usd1-token/contract-addresses) # Convert {% hint style="info" %} **Coming Soon** The Convert feature is currently in development and will be available soon. This feature will enable seamless token conversions directly within the World Liberty Financial platform. Stay tuned for updates! {% endhint %} ## In the meantime While the Convert feature is being developed, you can: * **Trade $WLFI**: Trade between WLFI and stablecoins using the [Trade $WLFI](/wlfi-token/trade-wlfi) feature * **Bridge tokens**: Transfer WLFI and USD1 across supported networks using the [Bridge](/wlfi-tools/bridge) # Overview > AgentPay SDK is an open source toolkit for building AI agents that can hold, move, and govern USD1 under policy. It gives developers a self-custodial, policy-aware way to turn autonomous systems into economic actors. {% hint style="warning" %} The WLF Tools are provided "as is" for developers only. WLFI does not operate, control, or manage any actions, strategies, or transactions initiated by the WLF Tools. See the full [Agentic AI Developer Tool – Disclaimer](/agentpay-sdk/disclaimer). {% endhint %} AgentPay SDK (Software Development Kit) combines a wallet, policy enforcement, and a single `agentpay` command-line interface (CLI). Every wallet created by the SDK is **non-custodial**. Private keys are generated and stored on the operator's machine. WLFI does not host, custody, or have access to any wallet or key material. **Open source** · **Self custody** · **EVM compatible** The main entrypoint is the `agentpay` CLI, which manages the local daemon, wallet access, balances, policy, transfers, approvals, and MPP / EIP-3009 requests. ## Key features * **Local key generation and storage** - Private keys are generated and stored on the operator's machine. WLFI cannot access private keys. * **Local signing** - All transaction signing occurs locally. No keys or signing state leave the machine. * **Policy before signing** - Every request is evaluated against operator-defined spending policies before the daemon signs. There is no code path that bypasses policy. * **Skill pack cannot move funds** - The skill pack provides instructions to agent hosts but cannot sign, broadcast, or access wallet state on its own. * **No telemetry or phone-home** - The SDK sends no data to WLFI or any third party. All state is stored locally. ## What the SDK includes The main entrypoint is the `agentpay` command-line interface (CLI), used for setup, funding checks, policy, transfers, approval, gift card purchases, MPP / EIP-3009 requests, and maintenance. Around that CLI, the SDK also includes: * a managed local daemon that holds signing state on the machine * a terminal UI for policy editing, token registration, and destination rules * a skill pack for hosts such as Claude Code, Codex, and OpenClaw Most users do not need every component on day one. The normal adoption path is: 1. install the CLI 2. create or reuse a wallet 3. create an encrypted wallet backup 4. fund the wallet 5. define policy 6. add the skill pack if you want to work through an agent host ## Supported operating model The current public setup flow is macOS-first. This matters because: * wallet setup imports credentials into macOS Keychain * the managed local daemon runs as a root-managed LaunchDaemon * reset and uninstall clean up both user-level and root-managed state The SDK supports EVM networks. You can operate it directly in a terminal or connect the same wallet flow to a host through the skill pack. WLFI provides local software tooling. It does not custody user assets, control private keys, or operate a managed wallet service. ## Control model * WLFI provides local software only - it does not custody assets, control private keys, or process or transmit funds. * Keys are generated and stored locally. Signing and broadcast happen on your machine. * Policy enforcement always runs before signing. There is no code path that bypasses it. * The SDK charges no platform fees - only blockchain gas fees apply. * No telemetry, analytics, or auto-update mechanisms. All state is stored locally in a single encrypted file. The SDK is released under the MIT license. ## Architecture at a glance The SDK is built around a simple security model: signing authority stays on the local machine, and policy is evaluated before funds move.
AgentPay SDK architecture showing CLI, Agent, Vault Daemon, Signer, and Chain RPC

The security boundary stays on the local host.

Read the diagram in three layers: * **Request layer** - `Agent` and `CLI` submit requests through Unix domain sockets but cannot access signing state directly. * **Security boundary** - `Vault Daemon` (`vault-daemon` / `InMemoryDaemon`) enforces policy and holds signing state. `Signer` (`vault-signer`) performs the actual cryptographic signing with pluggable backends (macOS Secure Enclave or software). The daemon has no outbound network capability - it returns a signed `raw_tx_hex` to the CLI, which then broadcasts to the chain RPC. * **External services** - `Chain RPC` handles on-chain reads and broadcasts. Only the TypeScript CLI contacts the RPC - the daemon never does. `Config` lives on the local machine but is separate from the signing boundary - changing config does not authorize transactions. Default security controls: vault-password entry, macOS System Keychain storage, encrypted state file. The `vault-signer` layer supports a macOS Secure Enclave backend (NIST P-256, non-exportable keys) and a software backend (secp256k1). The `vault-transport-unix` crate enforces IPC security (peer identity checks via euid, secure directory ownership, no symlink traversal). For cryptographic specifications, see [Security and cryptographic reference](#security-and-cryptographic-reference) below. No telemetry, analytics, phone-home, or auto-update mechanisms. All daemon state is persisted to a single encrypted file. No data is transmitted to WLFI or any third party. ## Built-in defaults The SDK includes a small set of built-in chain and token profiles so first use is concrete instead of empty. Built-in chain profiles: * `eth` -> chain ID `1` -> default RPC `https://eth.llamarpc.com` (aliases: `ethereum`, `mainnet`) * `bsc` -> chain ID `56` -> default RPC `https://bsc.drpc.org` Built-in token profiles: * `usd1` on `eth` and `bsc` -> `0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d` * `bnb` as the native asset on `bsc` * `eth` as the native asset on `ethereum` A fresh setup starts with no spending policies - configure and apply them explicitly via the TUI or `agentpay admin setup` flags. Default example used throughout these docs: * network: `bsc` * transfer asset: `USD1` * USD1 contract: `0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d` * gas asset: `BNB` The defaults are there to shorten setup. You can override chain and token profiles later. ## Simple end-to-end example The shortest path from install to a live transfer on the default BSC + USD1 example: ```bash curl -fsSL https://wlfi.sh | bash # After install completes, run setup manually: agentpay admin setup # It prompts for a vault password and prints the wallet address. # Copy the address from the setup output and use it below. agentpay rpc balance --address --rpc-url https://bsc.drpc.org --json agentpay transfer \ --network bsc \ --token 0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d \ --to 0x1111111111111111111111111111111111111111 \ --amount 5 \ --broadcast \ --json ``` If you are using an agent host with the skill pack installed, the same intent can be expressed as: ``` Sign and broadcast a transfer of 5 USD1 on BSC to 0x1111111111111111111111111111111111111111. If the wallet is underfunded, stop and show me the wallet address and funding instructions first. ``` ## Recommended reading order If you are new to the SDK, read in this order: 1. [Use cases](/agentpay-sdk/use-cases) - skim before the setup pages so the commands and flags have context 2. [Install](/agentpay-sdk/install) 3. [Wallet setup](/agentpay-sdk/workflows/wallet-setup) 4. [Funding](/agentpay-sdk/workflows/funding) 5. [Policy](/agentpay-sdk/workflows/policy) 6. [Manual approval](/agentpay-sdk/workflows/manual-approval) 7. [Transfers](/agentpay-sdk/workflows/transfers) If you are integrating the SDK with an agent host, add [Skill pack](/agentpay-sdk/install/skill-pack) and [Install the skill pack](/agentpay-sdk/install/skill-pack-install) after the install step. ## Product in action The examples below use BSC and USD1, the default reference configuration.
Codex describing AgentPay SDK capabilities after the skill is installed

With the skill pack installed, a host can explain the SDK and follow the intended wallet flow instead of guessing.

Codex showing a funding request for a wallet on BSC

If the wallet is underfunded, the flow can stop cleanly and show the address, network, and funding instructions.

OpenClaw checking wallet balances after a transfer

The same SDK can be used from chat-first surfaces to check balances and continue a transfer flow.

Manual approval form shown in CLI

When a request crosses a manual approval threshold, the operator reviews and approves through the CLI

## Next steps Continue to [Install](/agentpay-sdk/install) to get the CLI on your machine, then follow the [Workflows](/agentpay-sdk/workflows) sequence: wallet setup -> funding -> policy -> transfers. ## Security and cryptographic reference This section covers implementation-level security details. You do not need it to use the SDK. ### Admin session leases Admin operations require an active lease issued by the daemon after password authentication. Leases expire after 30 minutes by default. The daemon supports up to 1,024 concurrent active leases. ### Cryptographic details The encrypted state file uses **Argon2id** (v0x13, 19 MiB memory, 2 iterations, 1 parallelism) for key derivation and **XChaCha20-Poly1305** AEAD encryption with a random 24-byte nonce, re-randomized on every save. ### Signer curves The software signer uses **secp256k1** (Ethereum-native). The Secure Enclave backend uses **NIST P-256** because Apple's Secure Enclave only supports that curve. The Secure Enclave backend stores keys in the **Data Protection Keychain** (not System Keychain) with `AccessibleAfterFirstUnlockThisDeviceOnly` protection. These are different keychains with different security semantics. ### Network behavior In the default local flow, no WLFI infrastructure is required. The daemon communicates locally via Unix domain sockets and the CLI broadcasts to the operator-configured RPC endpoint. ## CLI command reference The `agentpay` CLI exposes more commands than the workflow pages cover. Below is a quick reference of all major command groups: | Command | Purpose | Docs page | | ------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------ | | `agentpay --version` | Print CLI version | - | | `agentpay admin setup` | Install daemon and bootstrap wallet | [Wallet setup](/agentpay-sdk/workflows/wallet-setup) | | `agentpay admin tui` | Interactive policy editor | [Policy](/agentpay-sdk/workflows/policy) | | `agentpay admin reset` | Discard wallet state | [Reset and uninstall](/agentpay-sdk/workflows/reset-and-uninstall) | | `agentpay admin uninstall` | Remove AgentPay from the machine | [Reset and uninstall](/agentpay-sdk/workflows/reset-and-uninstall) | | `agentpay wallet` | Show wallet metadata | [Wallet setup](/agentpay-sdk/workflows/wallet-setup) | | `agentpay transfer` | ERC-20 transfer | [Transfers](/agentpay-sdk/workflows/transfers) | | `agentpay transfer-native` | Native asset transfer | [Transfers](/agentpay-sdk/workflows/transfers) | | `agentpay approve` | ERC-20 spender approval | [Transfers](/agentpay-sdk/workflows/transfers) | | `agentpay broadcast` | Policy-checked raw broadcast | [Transfers](/agentpay-sdk/workflows/transfers) | | `agentpay tx broadcast` | Explicit sign-and-send | [Transfers](/agentpay-sdk/workflows/transfers) | | `agentpay x402` | Paid HTTP request using x402 exact / EIP-3009 flow | - | | `agentpay mpp` | Paid HTTP request to an MPP-enabled endpoint | - | | `agentpay config show/path/set/unset` | Direct config management (valid keys: `rpcUrl`, `chainId`, `chainName`, `daemonSocket`, `stateFile`, `rustBinDir`, `agentKeyId`) | - | | `agentpay config agent-auth *` | Agent auth lifecycle | [Agent auth](/agentpay-sdk/workflows/agent-auth) | | `agentpay status` | Inspect wallet, daemon, and credential health | [Troubleshooting](/agentpay-sdk/workflows/troubleshooting) | | `agentpay repair` | Repair wallet issues and clean plaintext artifacts | [Troubleshooting](/agentpay-sdk/workflows/troubleshooting) | | `agentpay admin chain list/current/add/remove/switch` | Chain profile management | - | | `agentpay admin token list/show/set-chain/remove/remove-chain` | Token profile management | - | | `agentpay admin add-manual-approval-policy` | CLI-based manual approval creation | [Manual approval](/agentpay-sdk/workflows/manual-approval) | | `agentpay admin list-policies` | List and inspect spending policies | [Policy](/agentpay-sdk/workflows/policy) | | `agentpay admin list-manual-approval-requests` | List pending approvals | [Manual approval](/agentpay-sdk/workflows/manual-approval) | | `agentpay admin approve-manual-approval-request` | Approve a pending request | [Manual approval](/agentpay-sdk/workflows/manual-approval) | | `agentpay admin reject-manual-approval-request` | Reject a pending request | [Manual approval](/agentpay-sdk/workflows/manual-approval) | | `agentpay admin resume-manual-approval-request` | Resume an approved manual approval broadcast | [Manual approval](/agentpay-sdk/workflows/manual-approval) | | `agentpay admin wallet-backup export/verify` | Encrypted offline wallet backup | [Wallet setup](/agentpay-sdk/workflows/wallet-setup) | | `agentpay rpc balance/chain/block-number/account/nonce/fees/gas-estimate/tx/receipt/code/broadcast-raw` | On-chain RPC queries | - | Commands marked with **-** do not have a dedicated docs page. Run `agentpay --help` for usage details. # Disclaimer The WLFI Agent Software Development Kit (the "**WLF Tools**") developed by World Liberty Financial LLC, a Florida limited liability company ("**WLFI**") is provided as a technical tool for use by developers on an "as is" and "as available" basis only. No promises or warranties should be implied (including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement). WLFI and its affiliates and subsidiaries (the "**WLFI Parties**") do not operate, control, or manage the specific actions, strategies, or transactions or applications built on or initiated by the WLF Tools. Developers using WLFI Tools are solely responsible for any such uses or applications. You or your end users shall, at all times, retain control over electronic private keys associated with blockchain addresses and the ability to transfer your or your end users' digital assets, including the blockchain addresses that hold your or your end users' digital assets. Any code, strategy, or data generated by the WLF Tools does not constitute financial, legal, or investment advice or a recommendation to buy, sell, hold, stake or otherwise transact in any digital asset. WLFI does not provide transaction execution services and does not act as a lender, borrower, broker, custodian, fiduciary, or advisor. WLFI may immediately change, terminate, suspend, limit or discontinue these terms, any rights granted herein, or your license to one or more of the WLF Tools, in whole or in part, at its sole discretion, at any time, for any reason without prior notice. Without limiting the foregoing, we may also impose registration or other requirements in our sole discretion. Any such action may negatively affect your application or your business or our ability to access services provided by WLFI or its affiliates. We will not be liable to you or any third party for any costs or damages as a result of termination of these terms. We can't and won't be responsible for your use of the WLF Tools in a way that breaks the law or violates applicable regulations. You agree that you will comply with all U.S., foreign, federal, state, and local laws, rules and regulations applicable to your use of the WLF Tools. If you are an entity, you represent that you have adequate policies and procedures in place reasonably designed to ensure that you will comply with applicable law. You agree that, in connection with the WLF Tools, you are solely responsible for compliance with and will comply with all applicable laws, including without limitation: * Export restrictions, end-user restrictions, anti-terrorism laws, anti-money laundering laws, and economic sanctions. You are not permitted to use the WLF Tools if doing so would, directly or indirectly, violate applicable laws, which include but are not limited to economic or financial sanctions or trade embargoes imposed, administered, or enforced by: the U.S. Department of the Treasury's Office of Foreign Assets Control (including the Specially Designated Nationals ("**SDN**") List and other non-SDN restricted or blocked parties lists); the U.S. Department of Commerce (including restrictions imposed by the Bureau of Industry and Security ("**BIS**"), such as the Export Administration Regulations ("**EAR**")); the U.S. Department of State (including the International Traffic in Arms Regulations ("**ITAR**")); the U.N.; the E.U.; the U.K.; or any other applicable national, regional, provincial, state, municipal or local laws and regulations (each as amended from time to time) (collectively "**Sanctions Laws**"). * Any laws expressly regulating the use or offering of AI or digital assets or general laws that may apply to the use or offering of AI, digital assets or AI or digital asset-based services, including without limitation securities, banking, money transmission, lending licensure or other financial regulatory laws. * Any laws related to data privacy, including without limitation engage in or otherwise process end user personal information to analyze individuals or groups of natural persons for unlawful or discriminatory purposes. WLF Tools may include open source or third party software ("**Third Party Software**"), and such software is made available to you under the terms of the applicable licenses. Where Third Party Software is provided on an "as is" basis, without any representations or warranties of any kind, WLFI does not make any representations or warranties, and all Third Party Software is subject to the limits on liability of these terms. WLF Tools may provide access to or reference independent third-party digital-asset protocols, third-party services, third-party service providers, third-party applications, third-party sites, third-party technology, third-party APIs, or other third parties. Third parties are not managed or controlled in any way by WLFI. References to third party applications built using WLF Tools or inclusion of links to the websites of third parties, do not mean such applications or websites have been verified by WLFI and do not constitute an endorsement, recommendation or solicitation to use such third party applications or tools. WLFI also makes no representation as to whether such third parties hold any required regulatory licenses or permissions. WLFI may also receive compensation from third-parties or otherwise. By accessing third parties, you expressly agree that you have read, understand, and accept all of the applicable terms, conditions and risks that may apply to your use of those third parties. Users agree to engage respectfully and lawfully in all community interactions on the platform. Prohibited conduct includes, without limitation: harassment, bullying, or threats directed at any individual or group; hate speech or content that discriminates against or demeans others on the basis of race, ethnicity, national origin, religion, gender, sexual orientation, disability, or other protected characteristics; defamatory, obscene, or sexually explicit content; and any content that violates applicable law, infringes third-party intellectual property rights, or facilitates illegal activity. WLFI reserves the right to remove content and suspend or terminate accounts that violate these standards in its sole discretion. # Use cases This page walks through concrete scenarios showing day-to-day use of AgentPay SDK. Each example starts with what you would say to an agent host, then shows what happens under the hood. In all cases, transactions are signed and broadcast locally on the operator's machine. WLFI does not process, facilitate, or custody any funds. All examples assume the SDK is installed, the wallet is set up and funded, and base policy is in place. If any of those are missing, see [Install](/agentpay-sdk/install), [Wallet setup](/agentpay-sdk/workflows/wallet-setup), [Funding](/agentpay-sdk/workflows/funding), and [Policy](/agentpay-sdk/workflows/policy) first. ## Transfer USD1 to a friend The simplest case: transfer stablecoins from your wallet to another address. **What you say to the agent:** ``` Sign and broadcast a transfer of 5 USD1 to 0xAbC1230000000000000000000000000000004567. ``` Because USD1 on BSC is the default token and network, you do not need to specify either. **What the SDK does:** 1. The agent checks the wallet balance with `agentpay wallet --json` 2. Confirms the wallet has enough USD1 and enough BNB for gas 3. Submits the transfer: ```bash agentpay transfer \ --network bsc \ --token 0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d \ --to 0xAbC1230000000000000000000000000000004567 \ --amount 5 \ --broadcast \ --json ``` 4. Policy checks the request against the per-transaction, daily, and weekly limits 5. If the amount is within policy, the daemon signs locally and broadcasts to BSC 6. The agent reports the transaction hash back **What you see:** A confirmation with the transaction hash. The 5 USD1 arrives on-chain within seconds. {% hint style="info" %} A fresh default setup starts with no spending policies, so the transfer succeeds. If you have configured policy limits for USD1, ensure the transfer amount is within the allowed range. {% endhint %} ## Pay a merchant A real-world purchase. The merchant shows a QR code or provides a wallet address. **What you say to the agent:** ``` Sign and broadcast a transfer of 8.50 USD1 to 0x7777000000000000000000000000000000001234 for a merchant payment. ``` The SDK does not distinguish between a transfer to a friend and a transfer to a merchant - both are ERC-20 transfers. The flow is identical to the previous example: balance check -> policy -> sign -> broadcast. The agent confirms the transfer and shows the transaction hash. ## Transfer to a contractor - with manual approval Larger transfers can require human sign-off. This example shows what happens when a transfer exceeds the manual approval threshold. **Setup:** the operator has added a manual approval rule for USD1 transfers above 50 USD1. See [Manual approval](/agentpay-sdk/workflows/manual-approval) for how to configure this. **What you say to the agent:** ``` Sign and broadcast a transfer of 200 USD1 to 0xCONTRACTOR0000000000000000000000000099. ``` **What the SDK does:** 1. The agent checks balances - wallet has enough USD1 and BNB 2. Submits the transfer: ```bash agentpay transfer \ --network bsc \ --token 0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d \ --to 0xCONTRACTOR0000000000000000000000000099 \ --amount 200 \ --broadcast \ --json ``` 3. Policy check passes the spending limits, but the manual approval rule triggers because 200 > 50 4. The daemon pauses the request and returns an approval request ID 5. The CLI keeps polling for up to 5 minutes, waiting for a human decision **What you see:** The agent tells you the transfer requires approval and shows the CLI command to approve locally: ```bash agentpay admin approve-manual-approval-request --approval-request-id ``` Once approved, the daemon signs and broadcasts automatically. The agent reports the transaction hash. No need to rerun the original command. {% hint style="warning" %} This is a security feature, not a failure. Routine transfers go through instantly. Larger transfers pause for human review. The threshold is configurable per token and per recipient. {% endhint %} ## Top up a short wallet What happens when the wallet does not have enough funds. **What you say to the agent:** ``` Sign and broadcast a transfer of 5 USD1 to 0xAbC1230000000000000000000000000000004567. ``` **What the SDK does:** 1. The agent checks the wallet balance 2. Discovers the wallet has only 2 USD1, or has no BNB for gas 3. Instead of attempting and failing, the agent stops and shows funding instructions **What you see:** The agent reports the shortfall and shows: * the wallet address to fund * the network (BSC, chain ID 56) * which asset is short (USD1, BNB, or both) * a QR code for mobile top-up (when the skill pack's funding helper is available) Once the wallet address is funded, tell the agent to retry the original request. {% hint style="info" %} The skill pack instructs agent hosts to check balances before submitting a transfer and to present funding instructions instead of retrying a doomed request. This is the intended behavior. {% endhint %} ## What these examples have in common Every use case follows the same pattern: 1. You describe the intent in plain language 2. The agent checks the wallet state 3. The agent submits the request through `agentpay` 4. The local daemon enforces policy before signing 5. The result comes back - either a confirmed transaction, a pending approval, a funding request, or a gift card delivery confirmation For the full workflow details, continue to [Workflows](/agentpay-sdk/workflows). # Install ## Quick start One-click install (recommended - macOS only): ```bash curl -fsSL https://wlfi.sh | bash ``` To install the latest version explicitly, or pin a specific release: ```bash # latest curl -fsSL https://wlfi.sh/latest | bash # specific version curl -fsSL https://wlfi.sh/0.1.0 | bash ``` The script downloads a prebuilt runtime bundle, installs `agentpay`, and auto-detects supported AI host integrations (Codex, OpenClaw, Claude Code, Cursor). No Rust, Cargo, or pnpm required. After install, run `agentpay admin setup` to create a wallet. Or install from source (requires Node.js `20+`, `pnpm`, Rust `1.87.0+`, and Xcode CLI Tools): ```bash git clone https://github.com/worldliberty/agentpay-sdk.git cd agentpay-sdk pnpm install pnpm run build pnpm run install:cli-launcher pnpm run install:rust-binaries ``` On macOS, add `export PATH="$HOME/.agentpay/bin:$PATH"` to `~/.zshrc`, then reload your shell with `source ~/.zshrc`. On Linux, add `export PATH="$HOME/.agentpay/bin:$PATH"` to your shell startup file such as `~/.bashrc`, `~/.zshrc`, or `~/.profile`, then reload that file or open a new shell. Then set up the wallet: ```bash agentpay admin setup ``` From here, continue to [Wallet setup](/agentpay-sdk/workflows/wallet-setup) -> [Funding](/agentpay-sdk/workflows/funding) -> [Policy](/agentpay-sdk/workflows/policy) -> [Transfers](/agentpay-sdk/workflows/transfers). ## Prerequisites ### One-click install * macOS * Network access to download installer assets * Homebrew only when the machine does not already have Node.js `20+` The one-click installer downloads a prebuilt macOS runtime bundle. It installs Node `20+` locally when a compatible version is not already available. ### Install from source * macOS or Linux * Node.js `20+` * `pnpm` * Rust `1.87.0+` (`rustup` recommended) * Xcode Command Line Tools on macOS (`xcode-select --install`) `pnpm run install:cli-launcher` installs the `agentpay` launcher into `~/.agentpay/bin`, and `pnpm run install:rust-binaries` installs the Rust runtime into the same directory. ## Skill pack The one-click installer auto-detects supported hosts and copies the skill pack for you. To install **only** the skill pack and adapters without the full runtime, pass `--skills-only`: ```bash curl -fsSL https://wlfi.sh/ | bash -s -- --skills-only ``` See [Install the skill pack](/agentpay-sdk/install/skill-pack-install) for what the script does and which hosts it supports. If you installed from source or need to update the pack manually: ```bash mkdir -p ~/.codex/skills cp -R agentpay-sdk/skills/agentpay-sdk ~/.codex/skills/ ``` The source path is [`skills/agentpay-sdk/`](https://github.com/worldliberty/agentpay-sdk/tree/main/skills/agentpay-sdk) inside the SDK repository checkout. See [Skill pack](/agentpay-sdk/install/skill-pack) and [Install the skill pack](/agentpay-sdk/install/skill-pack-install) for details. ## What's next | Step | Page | | ---------------------------- | -------------------------------------------------------------------- | | Machine-side install details | [CLI and local daemon](/agentpay-sdk/install/cli-and-daemon-install) | | Set up or reuse a wallet | [Wallet setup](/agentpay-sdk/workflows/wallet-setup) | | Fund the wallet | [Funding](/agentpay-sdk/workflows/funding) | | Configure spending limits | [Policy](/agentpay-sdk/workflows/policy) | # CLI and local daemon This page covers machine-side installation of the AgentPay SDK runtime. After completing these steps: * `agentpay` should be on your path * built-in chain and token defaults should be available * the machine should be ready for wallet setup ## Requirements The one-click installer only requires macOS and network access (plus Homebrew when Node.js `20+` is not already present). It downloads a prebuilt runtime bundle and handles everything else. For installing from source: * macOS or Linux * Node.js `20+` * `pnpm` * Rust `1.87.0+` (`rustup` recommended) * Xcode Command Line Tools on macOS (`xcode-select --install`) `pnpm run install:cli-launcher` installs the `agentpay` launcher into `~/.agentpay/bin`, and `pnpm run install:rust-binaries` installs the Rust runtime into the same directory. ## One-click install The fastest path: ```bash curl -fsSL https://wlfi.sh | bash ``` To install the latest version explicitly, or pin a specific release: ```bash # latest curl -fsSL https://wlfi.sh/latest | bash # specific version curl -fsSL https://wlfi.sh/0.1.0 | bash ``` The script downloads a prebuilt macOS runtime bundle, installs `agentpay` into a dedicated `AGENTPAY_HOME`, and auto-detects supported AI host integrations. After install, run `agentpay admin setup` to create a wallet. ## Install from source Clone the SDK repository and build: ```bash git clone https://github.com/worldliberty/agentpay-sdk.git cd agentpay-sdk pnpm install pnpm run build pnpm run install:cli-launcher pnpm run install:rust-binaries ``` The `install:cli-launcher` step installs the `agentpay` launcher to `~/.agentpay/bin`. Add it to your shell path: On macOS, add `export PATH="$HOME/.agentpay/bin:$PATH"` to `~/.zshrc`, then reload your shell with `source ~/.zshrc`. On Linux, add `export PATH="$HOME/.agentpay/bin:$PATH"` to your shell startup file such as `~/.bashrc`, `~/.zshrc`, or `~/.profile`, then reload that file or open a new shell. If you change Rust daemon code, rerun: ```bash pnpm run install:rust-binaries ``` That refreshes the binaries used by the managed local daemon installation. ## What install does and does not do Installing the CLI gives you the command surface. The wallet runtime is established later by `agentpay admin setup`. `agentpay admin setup` is the supported entrypoint for: * storing the vault password securely * installing or refreshing the managed local daemon * creating or reusing wallet access * importing agent auth material into macOS Keychain Because setup installs a root-managed LaunchDaemon, it can require local machine authorization during the setup flow. Do not run `agentpay daemon` directly. Daemon lifecycle is managed through `agentpay admin setup`. ## Built-in defaults The SDK seeds built-in defaults so the first run is usable immediately. See [Built-in defaults](/agentpay-sdk/overview#built-in-defaults) in the overview for the full list of chains and tokens. Managed runtime defaults: * daemon socket -> `/Library/AgentPay/run/daemon.sock` * state file -> `/var/db/agentpay/daemon-state.enc` * launchd label -> `com.agentpay.daemon` Most commands accept a `--daemon-socket ` flag to override the socket path. You can also set the `AGENTPAY_DAEMON_SOCKET` environment variable as a persistent override. ## Update to a new SDK version When a new version of the SDK is released, update the CLI and refresh the local Rust binaries. If you used the one-click installer, rerun the one-click install script. If you installed from source: ```bash git pull pnpm install pnpm run build pnpm run install:cli-launcher pnpm run install:rust-binaries ``` After updating, rerun setup to refresh the managed local daemon: ```bash agentpay admin setup --reuse-existing-wallet ``` The existing wallet, policy, and config are preserved across updates. Only the daemon binary and CLI surface are refreshed. ## Override a chain profile when needed If you need to save a different RPC or chain profile, do it explicitly. For example: ```bash agentpay admin chain switch bsc --rpc-url https://bsc.drpc.org --save --json ``` You can inspect the current config at any time with: ```bash agentpay config show --json ``` ## Sanity checks Run these once after installation: ```bash agentpay --version agentpay --help ``` If both commands succeed, the installation is in place and the next step is [Wallet setup](/agentpay-sdk/workflows/wallet-setup). ## Security model The SDK includes several defense-in-depth measures: * **Admin brute-force protection** - 5 failed attempts trigger a 30-second lockout * **File system trust model** - ownership checks, symlink prevention, and permission enforcement on managed paths * **Constant-time comparison** for all auth token validation * **Secret zeroization** throughout the Rust codebase after use * **Input size limits** - 16 KB max for stdin/keychain secret inputs, 256 KB max for config files * **Atomic file writes** with `fsync` for crash consistency * **`#![forbid(unsafe_code)]`** on core Rust crates ### IPC transport security The daemon communicates with the CLI over Unix domain sockets. Transport-level controls include: * **Symlink rejection** - both the socket path and its parent directory must not be symlinks * **Root ownership** - the daemon socket must be owned by root (`uid 0`) * **Socket permissions** - set to `0o600` (root-only) for restricted peers * **Peer EUID verification** - every incoming connection is checked against separate admin and agent allowlists; unauthorized peers are rejected * **Per-RPC access levels** - admin RPCs (setup, policy, reset) are restricted to admin-allowed EUIDs; agent RPCs (sign, transfer) use a separate allowlist With the CLI installed and verified, continue to [Wallet setup](/agentpay-sdk/workflows/wallet-setup). # Skill pack The skill pack is the host-side instruction layer for AgentPay SDK. It does not hold keys, run the daemon, or move funds. All wallet operations run locally on the operator's machine through `agentpay`. WLFI does not custody or have access to any wallet. The skill pack tells a host how to follow the intended AgentPay workflow instead of improvising. ## What the skill pack is The install unit is one folder: ``` skills/agentpay-sdk/ ``` Once that folder is loaded into a supported host, the host has explicit instructions for: * how to check whether a wallet already exists on the machine * when to run `agentpay admin setup` * how to export, verify, and restore encrypted offline wallet backups * how to check funding before submitting a transfer * how to generate funding instructions and QR codes * which defaults to use when a request omits network or asset * when to move policy work into the TUI * how to treat manual approval as a pending action instead of a failed action ## What changes after install Without the skill pack, general-purpose hosts tend to guess about wallet setup, balance checks, and approvals. With the skill pack installed, a host can: * reuse an existing wallet when `agentpay wallet --json` succeeds * stop a transfer request and show funding instructions when the wallet lacks gas or token balance * default an underspecified transfer request to `USD1` on `bsc` * route policy edits to `agentpay admin tui` instead of inventing unsupported flows * route manual approvals to the CLI approval commands * enable the operator to pay traditional merchants through gift cards or prepaid Visa cards when the merchant does not accept crypto directly
Codex describing AgentPay SDK after the skill pack is installed

With the skill pack loaded, a host can explain the SDK and follow the intended wallet flow with much less operator hand-holding.

OpenClaw checking balances with the AgentPay SDK skill pack installed

The same skill pack works in chat-first surfaces too, including balance checks and transfer requests.

## Example requests These are the kinds of requests that should map cleanly once the skill pack is installed: ``` What can you do with AgentPay SDK? ``` ``` Check whether this machine already has a crypto wallet. If not, guide me through setup and show me the wallet address. ``` ``` Sign and broadcast a transfer of 5 USD1 on BSC to 0x1111111111111111111111111111111111111111. If the wallet is underfunded, stop and show me the address and funding instructions first. ``` ``` Create a policy so larger USD1 transfers require manual approval. ``` ``` Buy a $25 Amazon US gift card with USDT on BSC. Use my email user@example.com. ``` ## Supported hosts The current repository includes adapters for: * Codex * OpenClaw * Claude Code * Cursor For installation steps, continue to [Install the skill pack](/agentpay-sdk/install/skill-pack-install). # Install the skill pack This page shows how to install the AgentPay SDK skill pack into a supported host. The most important detail is this: * the host loads the skill pack * the local machine still runs `agentpay` Do not treat those as the same install step. ## Quick install (skills only) If you only want the AI skill pack and adapters without installing the local AgentPay runtime: ```bash curl -fsSL https://wlfi.sh | bash -s -- --skills-only ``` You can also pin a version: ```bash curl -fsSL https://wlfi.sh/latest | bash -s -- --skills-only curl -fsSL https://wlfi.sh/0.1.0 | bash -s -- --skills-only ``` This mode: * downloads the same macOS AgentPay bundle used by the full installer and only applies the embedded skill files * auto-detects supported AI agent paths and already-installed destinations * presents a toggleable target list and lets you add custom skill-pack or adapter destinations * supports Codex, Claude, Cline, Goose, Windsurf, OpenClaw, portable/legacy `.agents`, Cursor, and workspace adapters (`AGENTS.md`, `CLAUDE.md`, `GEMINI.md`, Copilot instructions) * installs the Cursor adapter when `AGENTPAY_SETUP_CURSOR_WORKSPACE` is set or the current directory is already a Cursor workspace * does **not** install `agentpay`, Node.js, shell PATH exports, or wallet runtime files After the script finishes, skip to [After install](#after-install) to verify. The sections below cover manual installation for operators who installed from source or need to copy files to a custom location. ## What the skill pack contains The skill pack folder includes: * `SKILL.md` - the main skill definition loaded by compatible hosts * `agents/` - host adapter files (`AGENTS.md` for Codex/OpenClaw, `CLAUDE.md` for Claude Code, `cursor-agentpay-sdk.mdc` for Cursor, `openai.yaml` for OpenAI-compatible hosts) * `references/` - the playbooks the agent host actually follows: * `capabilities.md` - what the SDK can and cannot do * `install-and-workflows.md` - setup, funding, and transfer recipes * `intents-and-policies.md` - intent mapping and policy configuration * `scripts/` - helper scripts for agent-driven workflows: * `prepare-funding-request.mjs` - generates funding instructions, QR codes, and formatted output for wallet top-up requests * `vendor/qrcodegen.mjs` - QR code generation library used by the funding request script Operators should review the files in `references/` to understand what their agent host is doing on their behalf. ## What you copy Clone the repository if you have not already: ```bash git clone https://github.com/worldliberty/agentpay-sdk.git ``` The skill pack is the [`skills/agentpay-sdk/`](https://github.com/worldliberty/agentpay-sdk/tree/main/skills/agentpay-sdk) folder inside the checkout. Do not copy the whole repository into the host's skills directory. If you reinstall or update the pack, replace the existing destination folder instead of copying into it repeatedly. ## Codex ```bash mkdir -p ~/.codex/skills cp -R agentpay-sdk/skills/agentpay-sdk ~/.codex/skills/ ``` ## OpenClaw ```bash mkdir -p ~/.openclaw/skills cp -R agentpay-sdk/skills/agentpay-sdk ~/.openclaw/skills/ ``` ## Claude Code ```bash mkdir -p ~/.claude/skills cp -R agentpay-sdk/skills/agentpay-sdk ~/.claude/skills/ ``` ## Cursor Cursor has a purpose-built `.mdc` adapter file. Use it instead of `AGENTS.md`: ```bash cp agentpay-sdk/skills/agentpay-sdk/agents/cursor-agentpay-sdk.mdc ./.cursor/rules/agentpay-sdk.mdc ``` The `.mdc` file includes `alwaysApply: false` front-matter so Cursor only invokes it when relevant. ## After install Open a new host session and try: ``` What can you do with AgentPay SDK? ``` A correct install should let the host speak concretely about wallet setup, funding, policy, transfers, and approvals without needing extra pasted instructions. ## Next step With the skill pack installed, continue to [Workflows](/agentpay-sdk/workflows) for the end-to-end operator flow. # Workflows The install pages put the SDK on the machine. The workflow pages explain how to operate it successfully after that point. All operations described below execute locally on the operator's machine. WLFI does not custody, process, or facilitate any transaction. ## Core workflow 1. [Create or reuse a wallet](/agentpay-sdk/workflows/wallet-setup) - includes encrypted offline backup 2. [Fund the wallet](/agentpay-sdk/workflows/funding) 3. [Define the base spending policy](/agentpay-sdk/workflows/policy) 4. [Add manual approval](/agentpay-sdk/workflows/manual-approval) - only if some requests should pause for human review 5. [Submit transfer requests](/agentpay-sdk/workflows/transfers) 6. [Use Machine Payments Protocol (MPP)](/agentpay-sdk/workflows/mpp) That is the main product path. Everything else is supporting configuration or maintenance. ## Request execution path Once the wallet is funded and policy exists, every transfer request follows one of two security-controlled runtime paths: it either clears policy and broadcasts immediately, or it pauses for manual approval.
AgentPay SDK request workflow showing policy evaluation, signing, broadcast, and optional manual approval

The local daemon is the enforcement point: policy is checked before signing, and signing happens locally.

Read the sequence from left to right: * **Request -> Policy** — The CLI submits the request to the local daemon via Unix socket. The daemon forwards it to the Policy Engine (`vault-policy` / `PolicyEngine`) for evaluation against all applicable policies. Policy always runs before signing. See [Policy](/agentpay-sdk/workflows/policy) for how `AllPolicies` vs `PolicySet` attachments affect evaluation. * **Auto-approve path** — If policy allows the request, the daemon delegates to the signer (`vault-signer`), which returns `raw_tx_hex`. The CLI then broadcasts to the EVM RPC and returns the result. * **Manual approval path** — If a manual approval rule matches, the daemon pauses the request and returns an approval ID. The operator approves via local CLI. After approval, the daemon signs and the CLI broadcasts. That second branch is configured through [Manual approval](/agentpay-sdk/workflows/manual-approval). ## Use Machine Payments Protocol (MPP) Use this step when the workflow includes an MPP-enabled endpoint. AgentPay SDK supports both `agentpay mpp` and `agentpay x402` for this path. Continue to [Machine Payments Protocol (MPP)](/agentpay-sdk/workflows/mpp) for the full MPP / x402 flow, examples, amount handling, and session notes. ## Supporting pages * [Use cases](/agentpay-sdk/use-cases) - concrete day-to-day scenarios including gift card purchases * [Agent auth](/agentpay-sdk/workflows/agent-auth) - credential rotation and migration * [Reset and uninstall](/agentpay-sdk/workflows/reset-and-uninstall) - clear state or remove AgentPay SDK * [Troubleshooting](/agentpay-sdk/workflows/troubleshooting) - common errors and repair ## Recommended first live test If you want one realistic end-to-end validation path, use this: 1. Run `agentpay admin setup` 2. Fund the wallet on the EVM network you plan to use 3. Define a modest base policy for routine transfers 4. Submit a small test transfer that should clear policy 5. Add a manual approval threshold for larger requests 6. Submit a larger test transfer that should trigger manual approval 7. Approve it through the local admin CLI The default reference example in these docs uses BSC and USD1, but the same sequence applies on any supported EVM network once your chain and token settings are correct. # Set up or reuse a wallet All wallets created by AgentPay SDK are **non-custodial**. Private keys are generated and stored on the operator's machine. Signing and broadcast happen locally. WLFI does not host, custody, or have access to any wallet or private key. Throughout this documentation, "wallet" always refers to this non-custodial, operator-controlled wallet. Before creating a new wallet, check whether this machine already has one you can reuse. ## Check for an existing wallet ```bash agentpay wallet --json ``` * If the command succeeds, the machine already has a wallet profile that can be reused. * If it fails because wallet metadata is unavailable, move to the first-time setup path below. Do not guess based on files alone - this is the supported reuse check. Key fields in the output: | Field | Purpose | | ------------------------------ | --------------------------------------- | | `address` | Wallet address - use this for funding | | `policyAttachment` | `AllPolicies` or a specific `PolicySet` | | `attachedPolicyIds` | Active policy IDs | | `balances[].balance.formatted` | Human-readable balance per token/chain | ## Run first-time setup Use: ```bash agentpay admin setup ``` The command prompts locally for the vault password when needed. Keep that step local. Do not paste the vault password into chat or shared logs. {% hint style="warning" %} The daemon locks out admin authentication after 5 consecutive failed attempts for 30 seconds. If you hit the lockout, wait before retrying. {% endhint %} For non-interactive environments (CI, automation), use `--vault-password-stdin`: ```bash echo "$VAULT_PASSWORD" | agentpay admin setup --vault-password-stdin ``` The `--vault-password` inline flag and `AGENTPAY_VAULT_PASSWORD` environment variable are blocked for security. The CLI will reject them with an error. Use `--vault-password-stdin` or a local TTY prompt instead. Because setup installs or refreshes a root-managed local daemon, it can also require local machine authorization during the setup flow. ### Notable setup flags | Flag | Purpose | | ------------------------------ | ------------------------------------------------------------------ | | `--plan` | Dry-run preview - shows what setup would do without making changes | | `--yes` / `-y` | Skip the interactive confirmation prompt | | `--reuse-existing-wallet` | Reattach the current local vault instead of creating a new wallet | | `--vault-password-stdin` | Read the vault password from stdin (CI / automation) | | `--network ` | Set the active network during setup | | `--restore-wallet-from ` | Restore from an encrypted offline backup | | `--backup-output ` | Create an encrypted wallet backup after setup | | `--non-interactive` | Disable all interactive prompts (CI) | The full list includes policy flags (`--per-tx-max-wei`, `--daily-max-wei`, `--weekly-max-wei`, etc.), token/recipient registration, and advanced gas controls. Run `agentpay admin setup --help` for the complete reference. ## What setup creates `agentpay admin setup` is the supported first-run path. It: * stores the vault password securely * installs or refreshes the managed local daemon * waits for the daemon to become ready * creates the vault key and agent key * imports agent auth material into macOS Keychain * prints the wallet address and related identifiers A typical successful run ends with values like: ``` setup complete address: 0x... vault key id: ... agent key id: ... daemon socket: /Library/AgentPay/run/daemon.sock state file: /var/db/agentpay/daemon-state.enc chain: bsc agent auth token: stored in macOS Keychain keychain service: agentpay-agent-auth-token ``` If you rerun setup on a machine that already has wallet metadata, the CLI can ask for confirmation before overwriting the current wallet attachment. Without `--yes`, setup prompts: * `Type OVERWRITE to replace the current wallet:` - you must type exactly `OVERWRITE` * `Type REUSE to reattach the current local vault:` - when using `--reuse-existing-wallet` Use `--plan` for a dry-run preview that shows what setup would do without making changes. {% hint style="warning" %} **Vault password recovery.** If you forget the vault password and do not have a valid encrypted offline backup, there is no recovery path for the existing encrypted daemon state. The only option is `agentpay admin reset`, which discards the current wallet and allows you to create a new one. If you do have a backup, use `agentpay admin setup --restore-wallet-from ` instead of resetting. Treat the vault password and the backup as the master recovery credentials. {% endhint %} ## Wallet backup and restore The SDK supports encrypted offline wallet backups. A backup captures the wallet private key and metadata in an encrypted file protected by a separate backup password. The backup file uses **scrypt** key derivation + **AES-256-GCM** authenticated encryption, written with mode `0600` (owner-only). The outer JSON contains public wallet metadata for identification; the private key is inside the encrypted ciphertext. ### Create a backup After first-time setup, create an encrypted backup: ```bash agentpay admin wallet-backup export --output ~/agentpay-backups/backup.json ``` The CLI prompts for a backup password. Do not reuse the vault password for the backup. Store the backup file and password separately from the machine. Interactive first-time setup skips the offline backup wizard by default so the first-run path stays short. If you want a backup during setup, pass `--backup-output `. Otherwise export one afterward with `agentpay admin wallet-backup export --output `. For non-interactive backup creation during setup: ```bash agentpay admin setup --backup-output ~/agentpay-backups/backup.json --backup-password-stdin ``` ### Verify a backup Verify that a backup file is intact and the password is correct: ```bash agentpay admin wallet-backup verify ~/agentpay-backups/backup.json ``` Verification decrypts the backup and confirms the metadata matches without importing anything. ### Restore from a backup If the wallet is lost or you are setting up a new machine, restore from the backup: ```bash agentpay admin setup --restore-wallet-from ~/agentpay-backups/backup.json ``` The CLI prompts for both the backup password and the new vault password. The restored wallet retains the same address and key material as the original. {% hint style="info" %} Backup passwords are never accepted as inline flags or environment variables. The CLI rejects `--backup-password` and any environment variable form for security. Use a local TTY prompt or `--backup-password-stdin`. {% endhint %} ## Example host request If you are using a host with the skill pack installed, a good first request is: ``` Check whether this machine already has a crypto wallet. If not, guide me through setup and show me the wallet address when it is ready. ``` After setup, continue directly to [Funding](/agentpay-sdk/workflows/funding). # Fund the wallet A new wallet starts empty. Before it can submit transactions, it must hold the right asset on the right network, plus enough native gas to pay for the transaction. For transfers and approvals, always check funding before you submit requests. All transactions are constructed, signed, and broadcast locally - WLFI is not involved in any transfer of funds. The examples below use the default BSC + USD1 configuration from the [overview](/agentpay-sdk/overview#built-in-defaults). The same logic applies on any EVM chain - only the chain, token address, and gas asset change. ## Check the balances Always verify two balances: the asset you want to transfer **and** the chain's native gas token. A wallet with enough `USD1` will still fail if it has no `BNB` for gas. Check native gas first: ```bash agentpay rpc balance --address
--rpc-url --json ``` Then check the ERC-20 balance when needed: ```bash agentpay rpc balance \ --address
\ --token \ --rpc-url \ --json ``` For the default BSC + USD1 path: ```bash agentpay rpc balance \ --address
\ --rpc-url https://bsc.drpc.org \ --json agentpay rpc balance \ --address
\ --token 0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d \ --rpc-url https://bsc.drpc.org \ --json ``` If the wallet is short, stop and fund it before attempting the transfer. ## What a funding request should include A useful funding request should include: * wallet address * network name * chain ID * asset needed for value, if relevant * asset needed for gas * a funding QR or funding URI if you want a mobile-friendly top-up path The skill pack includes a helper script at `scripts/prepare-funding-request.mjs` that generates structured funding instructions with a QR code. Agent hosts with the skill pack installed can invoke it automatically when they detect a funding gap. In a host-driven flow, a request can be as simple as: ``` Prepare a transfer of 50 USD1. If the wallet is underfunded, stop and show me the wallet address, network, and funding instructions first. ``` ## Example This is the point where a host should stop cleanly instead of retrying a doomed transfer.
Funding instructions shown in Codex for a BSC wallet

When the wallet is short on gas or token balance, the correct next step is to show funding instructions, not to keep attempting the transfer.

Once funding is in place, continue to [Policy](/agentpay-sdk/workflows/policy), then [Transfers](/agentpay-sdk/workflows/transfers). If some requests should pause for human review, add [Manual approval](/agentpay-sdk/workflows/manual-approval) between those two steps. # Define policy {% hint style="danger" %} **Default behavior.** A fresh default setup uses `AllPolicies` with no policies, so everything is permitted until you explicitly configure spending limits. If you switch to a specific `PolicySet` with no policies attached, every request is denied. {% endhint %} Define what should go through automatically. Manual approval is a separate step covered in [Manual approval](/agentpay-sdk/workflows/manual-approval). Policy is evaluated locally before signing - WLFI is not involved in any transfer of funds. ## What most users need For a first setup, base policy means: 1. Pick the token you care about 2. Confirm its network mapping 3. Set `per-tx`, `daily`, and `weekly` limits 4. Save and apply That is enough. Skip destination overrides, gas caps, and manual approval rules until later. ## Fastest path: use the TUI ```bash agentpay admin tui ``` The TUI keeps everything visible: saved networks, saved tokens, current draft, and a clear apply step. ## The three TUI views * `Tokens`: set token mappings and spending limits (this is where you spend most time) * `Networks`: confirm or save chain key, chain ID, RPC URL, and active network * `Bootstrap`: apply the saved token inventory to the wallet
AgentPay Admin Policy Editor showing the Tokens view

Tokens is the main policy workspace. This is where most users define the default policy.

AgentPay Admin Policy Editor showing the Networks view

Networks holds the saved chain inventory and RPC URLs used for token metadata and policy expansion.

AgentPay Admin Policy Editor showing the Bootstrap view

Bootstrap validates and applies the saved token policy set in one run.

## Minimal TUI walkthrough Use this order for the normal base-policy path: 1. Open `agentpay admin tui`. 2. If you need a new network or different RPC, go to `Networks`, fill in `Network Key`, `Network Chain ID`, `Network Name`, and `Network RPC URL`, then save it. 3. Go back to `Tokens`. 4. Select the token you want to configure, or create a new draft. 5. In `Network Multi-Select`, toggle each network you want with `Space`. Use `←`/`→` to move between saved networks. 6. In `Editing Network`, pick the specific network mapping you want to edit. 7. Mark `Native Asset` for native gas assets, or enter `Token Address` for an ERC-20. 8. Use `Fetch Metadata` after the network RPC is saved so the editor can populate token name, symbol, and decimals. 9. Fill in `Per-Tx Limit`, `Daily Limit`, and `Weekly Limit`. 10. Save the token. 11. Go to `Bootstrap` and apply the saved inventory. That is the normal path. For the built-in BSC reference profiles: * `bnb` is recognized as the native gas asset on `bsc` (available as a TUI reference profile, but not pre-seeded into your config) * `usd1` is pre-seeded on `eth` and `bsc` with no spending limits * `bsc` is already seeded as a saved network ## Useful TUI keys You do not need every key at once. These are the ones that matter for normal use: * `Tab` / `Shift+Tab` or `[` / `]`: move between `Tokens`, `Networks`, and `Bootstrap` * `Up` / `Down` or `j` / `k`: move between fields * `Left` / `Right` or `h` / `l`: cycle a selectable field * `Space`: toggle booleans and network membership selections * `Enter`: run the action on the selected field * `Ctrl+S`: bootstrap and apply the saved inventory * `Ctrl+N`: start a new token or network draft * `Ctrl+R`: reload saved data and discard the current dirty draft * `Ctrl+O`: add a destination override (Tokens view) * `Ctrl+M`: add a manual approval rule (Tokens view) * `q` / `Esc` / `Ctrl+C`: quit * `Home` / `End`: jump to the first or last field `Ctrl+S` works from any view, not only from Bootstrap. When a token or network draft is dirty, `Ctrl+S` persists the draft and reapplies wallet policies in one step. There is no separate "save only" step for dirty drafts in the TUI. Two action rules are worth remembering: * `Save Token` saves the current token draft * `Bootstrap` applies the saved token inventory to the wallet If the saved view and the current draft do not match, the draft is not saved yet. ## Direct CLI examples If you already know the exact values you want, you can define the same base policy directly. Default BSC native asset policy: ```bash agentpay admin token set-chain bnb bsc \ --native \ --decimals 18 \ --per-tx 0.01 \ --daily 0.2 \ --weekly 1.4 \ --json ``` Default BSC USD1 policy: ```bash agentpay admin token set-chain usd1 bsc \ --address 0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d \ --decimals 18 \ --per-tx 10 \ --daily 100 \ --weekly 700 \ --json ``` These examples use token units for `--per-tx`, `--daily`, and `--weekly`. ## What to skip for now Most users can ignore these on the first pass: * destination-specific overrides * advanced gas, fee, tx-count, or calldata caps * manual approval rules Add those only after the base policy is working. {% hint style="info" %} **Destination overrides can only tighten.** A destination override can reduce the per-tx, daily, or weekly limit for a specific recipient, but it cannot raise the limit above the matching token policy. This is a security invariant enforced by the policy engine. {% endhint %} ## Policy evaluation model This section is reference material. You do not need it to set up a working policy. ### All policies must pass Every applicable policy must pass independently. If any one denies a request, the request is denied. ### Scope filters Each policy carries three scope filters - **Assets**, **Recipients**, **Networks** - each set to `All` or a specific set of IDs. A policy only applies when all three match the request. Requests outside every policy's scope hit `NoApplicablePolicies` and are denied. ### Policy attachment Each agent key sees either `AllPolicies` (every enabled policy, including future ones) or a named `PolicySet` (explicit list of policy IDs), controlled by `policyAttachment` in the wallet profile. ### Calldata decoding For `broadcast` requests containing ERC-20 `transfer`, `approve`, Permit2 `permit`, or EIP-3009 `transferWithAuthorization` / `receiveWithAuthorization` calldata, the engine decodes the inner recipient and amount and applies per-transaction spending limits. Requests with both ERC-20 calldata and a native value are rejected. ## Additional policy types Beyond the three base spending limits (`PerTxMaxSpending`, `DailyMaxSpending`, `WeeklyMaxSpending`) and `ManualApproval`, the SDK policy engine also supports: * `DailyMaxTxCount` - daily transaction count limit * `PerTxMaxFeePerGas` - gas price ceiling per transaction * `PerTxMaxPriorityFeePerGas` - priority fee ceiling per transaction * `PerTxMaxCalldataBytes` - calldata size limit per transaction * `PerChainMaxGasSpend` - per-chain gas budget These can be configured through the TUI or via `agentpay admin setup` flags such as `--daily-max-tx-count`, `--per-tx-max-fee-per-gas-wei`, `--per-tx-max-priority-fee-per-gas-wei`, `--per-tx-max-calldata-bytes`, and `--max-gas-per-chain-wei`. ## Shared config vs live wallet state The `agentpay admin token set-chain`, `agentpay admin chain add`, and similar editors update the local shared config in `~/.agentpay/config.json`. They do **not** change the live daemon wallet by themselves. `agentpay config show --json` prints that local shared config snapshot. Treat it as a saved source-of-truth draft, not as proof that the current daemon policy attachment already changed. To apply shared-config edits to the live wallet, use `agentpay admin tui` and save the draft there, or rerun `agentpay admin setup --reuse-existing-wallet`. To inspect the concrete contents behind wallet `attachedPolicyIds`, read the IDs from `agentpay config show --json`, then query the daemon directly with `agentpay admin list-policies --policy-id `. ## Spend window accounting Spend window policies are signing-budget controls, not post-settlement accounting. A request counts against daily/weekly usage once the daemon successfully approves and signs it, including completed manual approvals, even if the signed transaction is broadcast later or ultimately fails on-chain. ## Policy rejection messages When a request is denied, the CLI prints a message from the policy engine. Common examples: | Message pattern | Meaning | Fix | | ----------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------- | | `no enabled policies attached to this agent key` | No policies are attached to this wallet profile | Attach policies via TUI Bootstrap or `--attach-bootstrap-policies` during setup | | `no policy scope allows recipient/asset/network for this action` | Policies exist but none match the request's asset + recipient + network | Add a policy whose scope covers the requested asset, recipient, and chain | | `policy rejected request: per transaction max < requested ` | The request exceeds the per-transaction spending limit | Raise `Per-Tx Limit` for that token or reduce the transfer amount | | `policy rejected request: window usage + requested > max ` | The request would exceed the daily or weekly spending window | Wait for the window to reset or raise the daily/weekly limit | | `policy rejected request: gas max < requested ` | Gas budget exceeded | Raise `PerChainMaxGasSpend` or reduce gas usage | | `policy rejected request: tx_count usage + 1 > max ` | Daily transaction count limit reached | Wait for the daily window to reset or raise `DailyMaxTxCount` | | `policy rejected request: max_fee_per_gas_wei < requested ` | Max fee per gas limit exceeded | Raise `PerTxMaxFeePerGas` or lower the gas price | | `policy rejected request: max_priority_fee_per_gas_wei < requested ` | Priority fee limit exceeded | Raise `PerTxMaxPriorityFeePerGas` or lower the priority fee | | `policy rejected request: calldata max bytes < requested ` | Calldata size limit exceeded | Raise `PerTxMaxCalldataBytes` or reduce calldata | | `policy rejected request: missing required transaction metadata ()` | Required tx metadata missing | Ensure the transaction includes the required metadata fields | | `policy rejected request: amount max < requested ` | Transfer exceeds a manual approval rule's maximum - hard-denied without entering the approval flow | Reduce the transfer amount or raise `Approval Max Amount` in the manual approval rule | | `policy requires manual approval for requested amount within range ..=` | The request matched a manual approval rule | Approve or reject via CLI | When you are ready to introduce a human approval step, continue to [Manual approval](/agentpay-sdk/workflows/manual-approval). # Manual approval Manual approval is an optional layer you add after the base policy is working. Use it when some requests should pause for human sign-off even though smaller routine requests go through automatically. All signing and broadcasting remains local - WLFI is not involved in any transfer of funds. ## When to add manual approval Add manual approval only after the base policy is defined. Typical use cases: * routine transfers should go through automatically, but larger transfers should pause * a specific token should require approval above a threshold * a request to a sensitive recipient should require an explicit human decision ## Where you define it The clearest place to define manual approval is the `Tokens` view in `agentpay admin tui`. Manual approval is attached to the selected token and network context, which is why it belongs after the base token policy is already in place. ## Minimal TUI path Use this when you want to add a simple approval range: 1. Open `agentpay admin tui`. 2. Go to `Tokens`. 3. Select the token whose requests should be approval-gated. 4. Confirm the correct network mapping in `Editing Network`. 5. Add a manual approval draft with `Ctrl+M` or the `Add Manual Approval` field. 6. Fill in the approval rule: * `Approval Recipient` if the rule should apply to one recipient only * `Approval Min Amount` * `Approval Max Amount` * `Approval Priority` 7. Save the token. 8. Go to `Bootstrap` and apply the saved inventory. If you leave `Approval Recipient` blank, the rule can apply across recipients for that token and network scope. If `Approval Min Amount` is omitted, the rule defaults to 0 wei, effectively triggering approval for any transfer amount within the max range. Amounts that exceed `Approval Max Amount` are hard-denied by the policy engine - they do not enter the approval flow. ## Direct CLI path If you prefer the command line over the TUI, use `admin add-manual-approval-policy` directly: ```bash # 50 USD1 min (18 decimals = 50 × 10^18 wei), 1000 USD1 max, BSC (chain 56) agentpay admin add-manual-approval-policy \ --min-amount-wei 50000000000000000000 \ --max-amount-wei 1000000000000000000000 \ --network 56 \ --json ``` Supported flags: | Flag | Required | Default | Description | | ------------------------ | -------- | -------------- | ------------------------------------------------------- | | `--min-amount-wei ` | Yes | - | Minimum transfer amount (in wei) that triggers approval | | `--max-amount-wei ` | Yes | - | Maximum transfer amount (in wei) covered by this rule | | `--priority ` | No | `100` | Evaluation priority (lower = evaluated first) | | `--token
` | No | all assets | ERC-20 token scope (repeatable) | | `--allow-native-eth` | No | `false` | Include the native asset in scope | | `--network ` | No | all networks | Restrict the rule to a single chain ID | | `--recipient
` | No | all recipients | Restrict the rule to a single recipient | After creating the rule, apply the updated policy set with `agentpay admin tui` (Bootstrap view) or rerun setup with `--attach-bootstrap-policies`. {% hint style="info" %} **Manual approval is an overlay, not an override.** Matching transfers must still satisfy every stricter hard limit (per-tx, daily, weekly, gas, fee, calldata caps) before they reach the approval flow. A manual approval rule does not relax hard spending limits. {% endhint %} To inspect current policies: ```bash agentpay admin list-policies --json agentpay admin list-policies --policy-id --json ``` ## Where manual approval happens Manual approval happens at request time, not when policy is saved. The runtime flow looks like this: 1. A transfer or approval request is submitted 2. Policy checks the request 3. If the request matches a manual approval rule, it pauses instead of proceeding automatically 4. The CLI or host returns an approval request id 5. The operator approves or rejects the request
Codex showing that a request now requires approval

A host should present manual approval as a pending request, not as a failed transfer.

## Approve from the CLI Approve or reject pending requests from the terminal: ```bash agentpay admin list-manual-approval-requests agentpay admin approve-manual-approval-request --approval-request-id agentpay admin reject-manual-approval-request --approval-request-id --rejection-reason "user rejected" agentpay admin resume-manual-approval-request --approval-request-id ``` Use `resume-manual-approval-request` when the original broadcast command has already exited after approval was granted. `resume-manual-approval-request` also supports `--rpc-url` (override the RPC endpoint for the resumed broadcast), `--no-wait` (skip waiting for an on-chain receipt), `--vault-password-stdin`, `--non-interactive`, `--daemon-socket`, and `--json`. The CLI is the approval path for all manual approval requests. ## Broadcast auto-wait When a request hits manual approval during `transfer --broadcast`, `transfer-native --broadcast`, or `approve --broadcast`, the CLI keeps the original process alive and polls the daemon every 2 seconds for up to 5 minutes. If the request is approved within that window, the CLI continues automatically - do not rerun the original command. If the original broadcast command has already exited after approval: ```bash agentpay admin resume-manual-approval-request --approval-request-id ``` Commands outside the `--broadcast` flow still print the approval details and exit immediately, so you approve or reject separately. ## Approval output shape When a request triggers manual approval, the CLI returns a JSON object with: ```json { "command": "transfer", "approval_request_id": "", "cli_approval_command": "agentpay admin approve-manual-approval-request --approval-request-id " } ``` The CLI exits with a non-zero exit code to signal that the request is pending, not failed. Continue to [Transfers](/agentpay-sdk/workflows/transfers) for the full transfer command reference. # Submit transfer requests With the wallet set up, funded, and policy in place, you can submit transfer requests. AgentPay SDK enables operators to perform native-asset transfers, ERC-20 transfers, ERC-20 approvals, and explicit transaction broadcasts across EVM networks. All signing and broadcasting is performed locally on the operator's machine. WLFI does not facilitate, process, or custody any funds. ## Before you submit Before any transfer or approval, confirm three things: 1. The machine already has a wallet 2. The wallet is funded on the correct network 3. Policy allows the request or intentionally routes it into approval If any of those are unclear, go back to [Wallet setup](/agentpay-sdk/workflows/wallet-setup), [Funding](/agentpay-sdk/workflows/funding), or [Policy](/agentpay-sdk/workflows/policy) first. ## Create a native-asset transfer Use `transfer-native` for the network's native asset: ```bash agentpay transfer-native \ --network \ --to 0x1111111111111111111111111111111111111111 \ --amount 0.001 \ --json ``` `--amount` uses configured asset units, not wei. `transfer-native` supports `--broadcast` to sign and send the transaction through RPC in the same step, the same way `transfer` and `approve` do. ## Create an ERC-20 transfer Use `transfer` for ERC-20 transfer requests: ```bash agentpay transfer \ --network \ --token \ --to 0x2222222222222222222222222222222222222222 \ --amount 1 \ --json ``` If you want the CLI to broadcast the signed transaction through RPC in the same step, add `--broadcast`. {% hint style="info" %} After broadcast, the CLI waits up to 30 seconds for an on-chain receipt, polling every 2 seconds. A timeout does **not** mean the transaction failed - it may still be pending in the mempool. Check manually with `agentpay rpc receipt --hash `, or pass `--no-wait` to skip receipt polling entirely. {% endhint %} ## Approve a spender Use `approve` when another wallet or contract needs allowance: ```bash agentpay approve \ --network \ --token \ --spender 0x3333333333333333333333333333333333333333 \ --amount 1 \ --json ``` Like `transfer`, `approve` also supports `--broadcast`. Approving a spender allows that address or contract to transfer tokens from the wallet up to the approved amount. Only approve trusted contracts and use the smallest practical allowance. ## Additional flags The `transfer`, `transfer-native`, and `approve` commands support additional broadcast-related flags when used with `--broadcast`: * `--from
` - sender address override * `--nonce ` - explicit nonce override * `--gas-limit ` - gas limit override * `--max-fee-per-gas-wei ` - max fee per gas override * `--max-priority-fee-per-gas-wei ` - priority fee per gas override * `--tx-type ` - typed transaction value (default `0x02`) * `--no-wait` - skip the 30-second on-chain receipt wait after broadcast * `--reveal-raw-tx` - include the signed raw transaction bytes in output * `--reveal-signature` - include `r`/`s`/`v` signer fields in output * `--rpc-url ` - RPC URL override, used only for broadcast The standalone `broadcast` command requires `--gas-limit` and `--max-fee-per-gas-wei` explicitly and resolves the sender address and RPC URL from config rather than taking `--from` or `--rpc-url` overrides. The `broadcast` and `tx broadcast` commands additionally support `--value-wei`, `--data-hex`, and `--delegation-enabled`. Run `agentpay --help` for the full flag reference. ## Additional signing actions Beyond standard transfers and approvals, the SDK daemon also supports signing: * **Permit2 PermitSingle** - Permit2 typed-data authorization * **EIP-3009 TransferWithAuthorization** - gasless transfer authorization * **EIP-3009 ReceiveWithAuthorization** - gasless receive authorization These are submitted through the `broadcast` command with the appropriate calldata. The policy engine decodes these payloads and applies spending limits to the inner amount. Refer to the SDK source code and `agentpay broadcast --help` for calldata construction details. ## Broadcast explicitly The lower-level broadcast commands sign through the daemon and send to chain in one step. {% hint style="warning" %} Both `broadcast` and `tx broadcast` sign **and** send to the network. They are not sign-only commands. Use `transfer` or `approve` without `--broadcast` if you want sign-only output. {% endhint %} ### Nonce reservation For broadcast transactions, the SDK automatically reserves an exact nonce with a 2-minute lease before signing. If signing fails, the nonce reservation is released. This prevents nonce conflicts when multiple agents share a vault key. Policy-checked broadcast: ```bash agentpay broadcast \ --network \ --to 0x1111111111111111111111111111111111111111 \ --gas-limit 21000 \ --max-fee-per-gas-wei 2000000000 \ --value-wei 1000000000000000 ``` Explicit sign-and-send: ```bash agentpay tx broadcast \ --network \ --rpc-url \ --from \ --to \ --value-wei 1000000000000000 ``` {% hint style="warning" %} **Amount units differ by command.** `transfer`, `transfer-native`, and `approve` accept `--amount` in token units (e.g. `5` for 5 USD1). `broadcast` and `tx broadcast` accept only wei-denominated fields (`--value-wei`). Do not mix them up. {% endhint %} ## Example sequence This is a minimal ERC-20 transfer flow using the default BSC + USD1 example: ```bash agentpay wallet --json agentpay rpc balance --address
--rpc-url https://bsc.drpc.org --json agentpay transfer \ --network bsc \ --token 0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d \ --to 0x1111111111111111111111111111111111111111 \ --amount 5 \ --broadcast \ --json ``` If policy requires approval, the request pauses locally and waits for a human decision. Signing and broadcast still happen locally. ## Broadcast auto-wait When a `--broadcast` command (`transfer`, `transfer-native`, or `approve`) hits a manual approval rule, the CLI stays alive and polls the daemon every 2 seconds for up to 5 minutes. If approved within that window, it continues automatically - do not rerun the command. If the original process has already exited after approval, use `agentpay admin resume-manual-approval-request --approval-request-id ` instead of rebuilding the transaction. For the full approval flow (local CLI, output shape), see [Manual approval](/agentpay-sdk/workflows/manual-approval). ## Example host requests With the skill pack installed, these requests should map cleanly: ``` Sign and broadcast a transfer of 5 USD1 on BSC to 0x1111111111111111111111111111111111111111. ``` ``` Sign and broadcast a transfer of 0.001 BNB on BSC to 0x2222222222222222222222222222222222222222. ``` ``` Approve 10 USD1 on BSC for 0x3333333333333333333333333333333333333333. ``` {% hint style="info" %} These examples use `bsc` and `eth` because those networks have built-in default RPC URLs. If you reference a network without a saved RPC URL, add `--rpc-url` or configure one first with `agentpay admin chain add`. {% endhint %} ## Request security Every sign request sent to the daemon carries: * **One-time request ID** - UUID for replay detection; the daemon rejects any ID it has seen before * **2-minute default request TTL** - configurable up to 5 minutes; requests claiming longer are rejected * **30-second clock skew tolerance** - future-dated requests beyond 30 seconds are rejected * **32 KB max payload** - oversized payloads are rejected with `PayloadTooLarge` before policy evaluation These apply to all sign, nonce-reserve, and nonce-release operations. For the core workflow sequence, return to [Workflows](/agentpay-sdk/workflows). # Machine Payments Protocol (MPP) With the wallet set up and funded, AgentPay SDK can also call HTTP APIs that require inline payment. This page covers the MPP and x402 request flow through `agentpay mpp` and `agentpay x402`. ## What this page means by API In this page, an API means a remote HTTP service endpoint, usually a URL such as ``, that accepts a request and returns a response. Examples include: * a search endpoint * a scrape endpoint * a chat completion endpoint In a normal API flow, the client usually authenticates with an API key. In an MPP or x402 flow, the endpoint can instead return a machine-readable payment requirement. AgentPay SDK handles that payment step and then retries the original request in the same flow. ## Background Machine Payments Protocol (MPP) is an open standard for machine-to-machine payments via HTTP `402 Payment Required`. It was co-developed by Tempo and Stripe. MPP standardizes a machine-native payment flow for API requests, tool calls, and content instead of relying on custom billing integrations or ordinary API key provisioning. For the protocol overview, see [mpp.dev](https://mpp.dev/overview). ## Before you submit Before any MPP or x402 request, confirm three things: 1. The machine already has a wallet 2. The wallet is funded on the chain required by the service 3. The target endpoint supports MPP or x402 If any of those are unclear, go back to [Wallet setup](/agentpay-sdk/workflows/wallet-setup) or [Funding](/agentpay-sdk/workflows/funding) first. ## Submit an MPP request Use `agentpay mpp` for MPP-enabled HTTP endpoints: ```bash agentpay mpp ``` The URL is required. The rest of the HTTP request controls are optional. For example: ```bash agentpay mpp \ --method POST \ --header 'Content-Type: application/json' \ --json-body '{"query":"example request","numResults":5}' \ --json ``` The command supports reusable HTTP request controls including: * `--method` * repeatable `--header` * `--data` * `--json-body` * `--amount` * `--deposit` * `--session-state-file` * `--close-session` Use `--json` when you want structured non-streaming output. ## How the request works MPP lets a client request a resource, receive a machine-readable payment challenge, satisfy that challenge, and receive the real response without leaving the original HTTP flow. MPP is payment-method agnostic at the protocol level. This page covers the AgentPay SDK client path: how `agentpay mpp` responds to an MPP-enabled endpoint and completes the request. An MPP request has three main pieces: * **Challenge** - the server returns `402 Payment Required` and describes the payment requirement in the `WWW-Authenticate` header * **Credential** - the client retries the request with proof that the payment requirement was satisfied * **Receipt** - the server returns the requested resource and may include a `Payment-Receipt` header confirming the response Typical runtime sequence: 1. The CLI sends the request to the target endpoint 2. The endpoint returns `402 Payment Required` with the payment challenge 3. `agentpay mpp` reads the challenge and determines the amount, token, recipient, and chain required by the service 4. The CLI satisfies the challenge and retries the request with payment proof 5. The service verifies the payment and returns the actual response ## Funding Before using an MPP endpoint, the wallet must already hold the payment asset required by the service challenge on the required chain. For MPP charge flows: * the payment chain comes from the server challenge * AgentPay SDK supports any EVM-compatible network for charge flows * on Tempo, the CLI uses the Tempo payment path * on other EVM networks, the CLI uses the corresponding ERC-20 payment path Tempo mainnet with chain ID `4217` is included in the current AgentPay SDK release. If the wallet does not hold the required asset or does not have enough balance, the request cannot complete. In that case, go back to [Funding](/agentpay-sdk/workflows/funding) first. ## Check the amount `agentpay mpp` supports two basic amount modes: * omit `--amount` when you want the CLI to accept the amount requested by the service challenge * provide `--amount` when you want the CLI to verify that the server challenge matches the expected amount before paying Example with explicit amount verification: ```bash agentpay mpp \ --amount 0.005 \ --method POST \ --header 'Content-Type: application/json' \ --json-body '{"input":"example payload"}' \ --json ``` Use this when you want the CLI to refuse a request if the challenged amount differs from the amount you expected. ## Use session mode on Tempo For repeated requests on Tempo, `agentpay mpp` also supports session-style flows. Session mode is useful when the same workflow will make multiple related requests and you want to reuse session state instead of treating each request as a separate one-shot payment. This path supports session open, voucher signing, optional `--deposit`, persisted reuse through `--session-state-file`, and explicit close through `--close-session`. Example: ```bash agentpay mpp \ --deposit 1 \ --session-state-file ~/.agentpay/tempo-session.json \ --header 'Content-Type: application/json' \ --json-body '{"prompt":"hello"}' \ --json ``` Related flags: * `--deposit` - funds the session * `--session-state-file` - persists session state across CLI invocations * `--close-session` - closes the saved session and removes the local state when the flow is complete Session mode is Tempo-only. ## Use x402 Use `agentpay x402` for x402-protected HTTP endpoints: ```bash agentpay x402 ``` As with `agentpay mpp`, the URL is the required part of the command. Other HTTP request controls such as `--method`, repeatable `--header`, `--data`, and `--json-body` are optional. `agentpay x402` follows the same broad pattern: the server returns a payment requirement, the CLI satisfies it, and the original request is retried automatically. In the current AgentPay SDK release, `agentpay x402` supports exact-payment and EIP-3009 x402 flows. The distinction in AgentPay SDK terms is simple: * use `agentpay mpp` for MPP-enabled endpoints * use `agentpay x402` for x402 payment flows where the server challenge defines the exact payment requirement ## Output Successful MPP responses can include a decoded `Payment-Receipt`. In `--json` mode, AgentPay SDK includes that decoded receipt under `payment.receipt` when present. Tempo session responses can also include `payment.closeReceipt` when the close step returns one. For Tempo session event streams in text mode, the CLI can also handle `payment-need-voucher` events automatically, including top-up and voucher replenishment when needed. ## Operator notes Keep these constraints in mind: * all request handling still happens locally on the operator's machine * the wallet must be funded before the request starts * `--json` is best for non-streaming responses * MPP session mode is supported only on Tempo For the full workflow sequence, return to [Workflows](/agentpay-sdk/workflows). # Agent auth Agent auth is the local credential the CLI uses to authenticate against the managed wallet runtime. These commands are for maintenance, not part of the normal transfer flow. In the current macOS-first flow, the preferred storage location is macOS Keychain. Avoid storing this material in plaintext configuration or shell history. ## Auth token resolution order When a command needs the agent auth token, the CLI resolves it in this priority order: 1. `--agent-auth-token-stdin` (preferred; secure pipe input) 2. macOS Keychain (automatic lookup by agent key id) 3. `--agent-auth-token` flag (warns about shell history exposure) 4. `agentAuthToken` field in `config.json` (deprecated; requires `--allow-legacy-agent-auth-source`) 5. `AGENTPAY_AGENT_AUTH_TOKEN` environment variable (deprecated; requires `--allow-legacy-agent-auth-source`) The first source that returns a value wins. Sources 3–5 print a warning to stderr. ## Check status Use this to see whether the current machine has agent auth stored for the configured agent key: ```bash agentpay config agent-auth status --json ``` ## Set or import agent auth If you need to store agent auth explicitly, prefer stdin over a visible command-line flag: ```bash agentpay config agent-auth set \ --agent-key-id \ --agent-auth-token-stdin ``` If you have a private bootstrap JSON output from admin setup, import it instead: ```bash agentpay config agent-auth import --json ``` By default, the source file is **redacted** after import. Use `--keep-source` to leave the source file intact (prints a security warning), or `--delete-source` to delete the source file entirely instead of redacting it. ## Migrate legacy config storage If older state left `agentAuthToken` in `config.json`, migrate it into Keychain: ```bash agentpay config agent-auth migrate --json ``` This is the supported cleanup path for legacy plaintext storage. If the Keychain already holds a different token for the same agent key ID, migration will fail unless you pass `--overwrite-keychain`. `agentpay repair` also performs this same migration automatically as part of its general health fixes. See [Troubleshooting](/agentpay-sdk/workflows/troubleshooting) for details. ## Rotate or revoke Rotate when you want to replace the current credential but keep the wallet attachment in place: ```bash agentpay config agent-auth rotate ``` Revoke when the current agent key and its bearer token should no longer be trusted: ```bash agentpay config agent-auth revoke ``` Both commands can prompt for the vault password locally. ## Clear local storage only If you only want to remove the locally stored Keychain token without revoking the agent key on the daemon side, use: ```bash agentpay config agent-auth clear --json ``` This is different from `revoke`. `clear` removes local storage only - specifically, the Keychain token, `agentKeyId` from config, and any legacy `agentAuthToken` from config. `revoke` invalidates the agent key on the daemon side and removes local credentials as part of the revocation path. ## Next step If you need to clean up or remove the SDK entirely, continue to [Reset and uninstall](/agentpay-sdk/workflows/reset-and-uninstall). # Reset or uninstall This page covers the two cleanup paths in AgentPay SDK. They are not the same: * `reset` clears wallet-specific state so the machine can be set up again * `uninstall` removes AgentPay from the machine ## Reset {% hint style="warning" %} **Before resetting**, check whether you have an encrypted offline wallet backup. If you do, you can restore the same wallet on this or another machine with `agentpay admin setup --restore-wallet-from ` instead of destroying the wallet state. Only reset when you intentionally want to discard the old wallet and create a new one. {% endhint %} Use reset when you want to discard the current wallet attachment and start over without removing the CLI itself. ```bash agentpay admin reset agentpay admin reset --yes agentpay admin reset --yes --delete-config ``` Without `--yes`, the CLI prints a destructive warning to stderr and prompts: ``` Type RESET to delete the managed local daemon state and wallet credentials: ``` You must type exactly `RESET` to proceed. For automation or CI-style flows, use `--non-interactive` together with `--yes` to suppress all interactive prompts. `--delete-config` goes further and removes `~/.agentpay/config.json` instead of only clearing wallet-specific credentials. Because the managed local daemon and its state are root-managed, reset can prompt for the local root password. ### What reset removes and keeps **Removed by reset:** * managed LaunchDaemon (`com.agentpay.daemon`) * agent auth token from macOS Keychain * `agentKeyId` and `agentAuthToken` from config * bootstrap artifacts * managed local daemon state (`/var/db/agentpay/daemon-state.enc`) * daemon socket **Kept by reset** (unless `--delete-config` is passed): * the rest of `config.json` (chain settings, RPC URLs, etc.) ## Uninstall Use uninstall when you want AgentPay removed from the machine entirely: ```bash agentpay admin uninstall agentpay admin uninstall --yes ``` Without `--yes`, the CLI prints a destructive warning to stderr and prompts: ``` Type UNINSTALL to delete all AgentPay managed files and local credentials: ``` You must type exactly `UNINSTALL` to proceed. Uninstall removes everything that reset removes, plus: * `/Library/AgentPay/` (entire directory) * `/var/db/agentpay/` (entire directory) * `/var/log/agentpay/` (entire directory) * `~/.agentpay/` (entire directory) * the daemon password stored in System Keychain * one-click installer artifacts (shell RC blocks, skill symlinks, PATH shims) * source-built CLI artifacts (if installed from source) For automation, use `--non-interactive` together with `--yes`. Because this removes root-managed files, uninstall can also prompt for the local root password. If something went wrong and you ended up here to recover, see [Troubleshooting](/agentpay-sdk/workflows/troubleshooting) before resetting - repair may be enough. ## When to use which Choose reset when: * the machine should keep `agentpay` installed * the current wallet state should be discarded * you plan to run `agentpay admin setup` again afterward Choose uninstall when: * the machine should stop running AgentPay entirely * you are cleaning up a development or test machine * you do not want to leave AgentPay state behind under user or root-managed paths ## Next step If you reset and want to set up again, continue to [Wallet setup](/agentpay-sdk/workflows/wallet-setup). # Troubleshooting This page covers common error messages and symptoms from the AgentPay SDK and how to resolve them. ## Policy denial messages For policy rejection messages and their meanings, see [Policy rejection messages](/agentpay-sdk/workflows/policy#policy-rejection-messages). ## Daemon socket errors **Symptom:** `connection refused` or `no such file or directory` for the daemon socket. **Possible causes:** * The daemon is not running - rerun `agentpay admin setup` to install and start it * The socket path was changed or removed - check with `agentpay config show --json` * A reset or uninstall removed the daemon - run setup again **Default socket path:** `/Library/AgentPay/run/daemon.sock` ## Vault password lockout **Symptom:** Repeated `authentication failed` errors followed by a silent 30-second pause. **Cause:** The daemon locks out admin authentication after 5 consecutive failed attempts for 30 seconds. **Fix:** Wait 30 seconds and retry with the correct vault password. If you have forgotten the vault password and have an encrypted offline backup, restore it with `agentpay admin setup --restore-wallet-from `. If you have no backup, the only recovery path is `agentpay admin reset`, which discards the current wallet state. ## RPC chain ID mismatch **Symptom:** `chain id mismatch` or unexpected transaction failures. **Cause:** The configured RPC URL returns a different chain ID than the one saved in your chain profile. **Fix:** Verify the RPC URL matches the expected chain: ```bash agentpay rpc chain --rpc-url --json agentpay admin chain list --json ``` If they differ, update the chain profile: ```bash agentpay admin chain switch --rpc-url --save --json ``` ## Gas estimation failure **Symptom:** `gas estimation failed` or `insufficient funds for gas`. **Possible causes:** * The wallet does not have enough native gas token for the transaction * The RPC endpoint rejected the `eth_estimateGas` call * The transaction would revert on chain **Fix:** 1. Check native balance: `agentpay rpc balance --address
--rpc-url --json` 2. Fund the wallet with native gas if needed 3. If using `broadcast`, try setting `--gas-limit` explicitly ## Receipt polling timeout **Symptom:** `receipt timeout` after broadcasting. **Cause:** The CLI waits up to 30 seconds for an on-chain receipt. A timeout does **not** mean the transaction failed - it may still be pending in the mempool. **Fix:** * Check manually: `agentpay rpc receipt --hash --rpc-url --json` * Use `--no-wait` to skip receipt polling if you prefer to check later * If the transaction is stuck, it may need a higher gas price - resubmit with `--max-fee-per-gas-wei` ## Deprecated admin bootstrap command **Symptom:** `unknown command: admin bootstrap` or similar. **Cause:** The standalone `admin bootstrap` command was removed. Bootstrap functionality is now integrated into `agentpay admin tui` (Bootstrap view) and `agentpay admin setup --attach-bootstrap-policies`. **Fix:** Use the TUI or setup flags instead: ```bash agentpay admin tui # go to Bootstrap view agentpay admin setup --attach-bootstrap-policies ``` ## Vault password input blocked **Symptom:** `insecure --vault-password is disabled` or `AGENTPAY_VAULT_PASSWORD is disabled for security`. **Cause:** The `--vault-password` flag and `AGENTPAY_VAULT_PASSWORD` environment variable are intentionally blocked. **Fix:** Use `--vault-password-stdin` for non-interactive environments: ```bash echo "$VAULT_PASSWORD" | agentpay admin setup --vault-password-stdin ``` Or use the interactive TTY prompt (default behavior). ## Status and repair Before investigating further, run `agentpay status` to get a snapshot of wallet, daemon, and credential health: ```bash agentpay status --json ``` Key flags: * `--strict` - exits with code 1 on warnings (useful in CI) * `--json` - machine-readable output ### What status checks The `status` command inspects every layer of the wallet runtime and reports issues as warnings: | Area | What is checked | | ------------------- | ------------------------------------------------------------------------------------------------ | | Config | `config.json` exists and is parseable | | Agent key ID | `agentKeyId` is present and is a valid UUID | | macOS Keychain | Agent auth token is stored for the configured agent key ID | | Legacy config token | `agentAuthToken` is not still present in `config.json` | | Active chain | `chainId`, `chainName`, and `rpcUrl` are configured; RPC URL passes trust validation | | Chain profiles | Every saved chain profile has a trusted RPC URL | | Bootstrap artifacts | Scans `~/.agentpay/bootstrap-*-*.json` for plaintext secrets, expired leases, or untrusted files | | Daemon socket | Default `/Library/AgentPay/run/daemon.sock` exists and passes file system trust checks | | State file | `/var/db/agentpay/daemon-state.enc` exists and passes trust checks | | Rust binaries | `agentpay-daemon`, `agentpay-admin`, `agentpay-agent` are installed and trusted | Status returns a `ready` boolean and a `warnings[]` array. When `--strict` is set, any warning causes exit code 1. ### What repair fixes If status reports fixable issues, run `agentpay repair` to automatically fix common problems: ```bash agentpay repair --json ``` Repair performs two main actions: 1. **Legacy agent auth migration** - moves `agentAuthToken` from `config.json` into macOS Keychain, then scrubs the plaintext entry from config. This is the same operation as `agentpay config agent-auth migrate`. 2. **Bootstrap artifact cleanup** - deletes or redacts auto-generated `bootstrap-*-*.json` files in `~/.agentpay/` that still contain plaintext secrets. If problems persist, see [Reset and uninstall](/agentpay-sdk/workflows/reset-and-uninstall) for a clean-slate path. For the main product flow, return to [Workflows](/agentpay-sdk/workflows). Repair flags: * `--agent-key-id ` - target a specific agent key * `--overwrite-keychain` - force re-import of agent auth into Keychain even if Keychain already holds a different token * `--redact-bootstrap` - redact plaintext bootstrap output files instead of deleting them * `--strict` - fail on warnings * `--json` - machine-readable output Repair output includes a before/after status comparison with `fixedWarnings`, `remainingWarnings`, and `newWarnings`. If the issue persists after repair, consider `agentpay admin reset` followed by a fresh setup. ## Deprecated agent auth commands **Symptom:** `use config agent-auth rotate` or `use config agent-auth revoke` error when running `agentpay admin rotate-agent-auth-token` or `agentpay admin revoke-agent-key`. **Cause:** These standalone admin passthrough commands are blocked. Agent auth lifecycle commands have moved to the `config agent-auth` subcommand group. **Fix:** Use the new commands: ```bash agentpay config agent-auth rotate # instead of admin rotate-agent-auth-token agentpay config agent-auth revoke # instead of admin revoke-agent-key ``` For the main product flow, return to [Workflows](/agentpay-sdk/workflows). To start fresh, see [Reset and uninstall](/agentpay-sdk/workflows/reset-and-uninstall). # Overview WLFI Markets is a non-custodial DeFi interface that allows users to supply supported digital assets and access liquidity through third-party protocol collateralized borrowing. All core functionality available through WLFI Markets is **provided by the Dolomite protocol**. WLFI Markets acts as an interface layer that enables users to interact with Dolomite's on-chain lending markets in a clear and compliant manner. WLFI Markets does not custody assets, issue loans, or control protocol behavior. All asset movements, lending logic, collateralization rules, and liquidations are executed by Dolomite smart contracts. *** ## Core principles WLFI Markets is built around the following core principles: * **Provided by Dolomite**\ All supply, borrow, repay, withdraw, and liquidation functionality is executed by Dolomite smart contracts. * **Non-custodial**\ Users retain full control of their assets at all times. * **Transparent**\ All positions and transactions are visible on-chain. * **Collateral-based**\ Liquidity availability is determined by collateral value and protocol-defined parameters. WLFI Markets is designed to provide a transparent, user-controlled interface to decentralized lending infrastructure while clearly distinguishing between the interface layer and the underlying protocol. *** ## Supply Supplying adds supported digital assets into Dolomite's lending markets through WLFI Markets. Supplied assets can be used as collateral to support borrowing activity or can be held to earn potential rewards, subject to Dolomite's rules. {% hint style="info" %} Suppliers earn rewards on their supplied assets based on the current supply rate. Rates vary by asset and adjust dynamically based on utilization. {% endhint %} *** ## Borrow Borrowing creates a position that allows supported assets to be drawn against the value of supplied collateral. The amount that can be borrowed and the conditions under which borrowing is permitted are determined by Dolomite based on protocol-defined parameters such as collateral value and liquidation thresholds. Borrowed assets remain outstanding until repaid and are backed by supplied collateral. {% hint style="warning" %} If collateral values decline or borrow positions increase beyond protocol limits, the position may be liquidated by the protocol. {% endhint %} *** ## Repay Repaying reduces or closes an outstanding borrow position. Repayment decreases the outstanding borrowed balance and improves your collateral ratio. As borrow positions are reduced, collateral requirements are relaxed and liquidation risk decreases. {% hint style="info" %} Until a borrow position is fully repaid, supplied collateral remains subject to protocol requirements and may be partially or fully restricted from withdrawal. {% endhint %} *** ## Withdraw Withdrawing removes previously supplied assets from Dolomite's lending markets back to your wallet. Withdrawals are permitted only when the remaining supplied assets continue to satisfy Dolomite's collateral requirements. Assets that are backing active borrow positions may be partially or fully restricted from withdrawal. {% hint style="info" %} Attempting to withdraw assets in a way that would leave a position undercollateralized will be restricted by the protocol. {% endhint %} *** ## Collateral ratio The collateral ratio represents the relationship between supplied collateral and outstanding borrow positions. This ratio is calculated and enforced by Dolomite smart contracts and is used to determine whether a position satisfies protocol-defined collateral requirements. Changes in asset values or borrow positions directly affect the collateral ratio. * **Collateral Ratio > 1.0**: Your position is safe * **Collateral Ratio = 1.0**: You're at the liquidation threshold * **Collateral Ratio < 1.0**: Your position can be liquidated {% hint style="warning" %} If the collateral ratio falls below protocol thresholds, the position may be subject to liquidation, resulting in loss of collateral. {% endhint %} *** ## Activity The Activity page displays a historical record of on-chain actions related to your position, including supply, borrow, repay, and withdraw transactions. All activity data reflects transactions executed through Dolomite smart contracts and cannot be modified by WLFI Markets. *** ## Supported network WLFI Markets currently operates on Ethereum Mainnet only. Asset availability and functionality depend on Dolomite market support and may change over time. *** ## Security and risk WLFI Markets does not implement lending, borrowing, or risk logic. All financial functionality is provided by the Dolomite protocol. Users should refer to Dolomite's official documentation for detailed information on protocol mechanics, audits, and security practices. [Dolomite Audit & Security](https://docs.dolomite.io/audits-and-security) {% hint style="warning" %} Users are responsible for understanding the risks associated with interacting with decentralized lending protocols before participating. {% endhint %} *** ## Legal and compliance considerations {% hint style="warning" %} WLFI Markets is an interface, not a lending institution. All lending and borrowing functionality is provided by Dolomite. {% endhint %} WLFI Markets does not provide financial advice or guarantees. Access to WLFI Markets may be restricted based on jurisdiction and compliance requirements. *** ## What's next? Now that you understand the basics of WLFI Markets, you can: * [**Supply**](/wlfi-markets/how-to-guides/supply) - Learn how to supply assets to earn rewards * [**Borrow**](/wlfi-markets/how-to-guides/borrow) - Understand how to borrow against your collateral * [**Withdraw**](/wlfi-markets/how-to-guides/withdraw) - Learn how to remove your supplied assets * [**Repay**](/wlfi-markets/how-to-guides/repay) - Understand how to pay back borrowed assets *** ## Additional resources * [Concepts](/wlfi-markets/concepts) - Deep dive into WLFI Markets concepts * [Markets](/wlfi-markets/markets) - View all available markets * [E-Mode](/wlfi-markets/e-mode) - Learn about efficiency mode for optimized borrowing * [Dolomite Documentation](https://docs.dolomite.io) - Technical documentation for the underlying protocol # Concepts Understanding the core concepts of WLFI Markets is essential for effectively using the protocol. This guide explains the fundamental building blocks that make WLFI Markets work, from liquidity pools and markets to risk management parameters. *** ## Overview WLFI Markets is provided by [Dolomite](https://dolomite.io), a decentralized protocol that enables users to supply assets to earn rewards and borrow assets using their supplied assets as collateral. The protocol operates through a system of liquidity pools, markets, and risk parameters that work together to create a secure and efficient lending and borrowing platform. {% hint style="info" %} **Key Concepts** The main concepts covered in this guide are: * **Liquidity Pool**: The shared pool of assets that enables lending and borrowing * **Markets**: Individual asset instances within the pool with specific risk parameters * **Collateral**: Assets you supply that back your borrow positions * **Collateral Ratio**: Your position's safety metric * **Liquidation Threshold**: The point at which positions become at risk * **Rates**: Dynamic rates that adjust based on market conditions * **Utilization**: How much of the available liquidity is being used * **E-Mode**: Efficiency mode for optimized stablecoin borrowing * **Risk Parameters**: Settings that govern each market's behavior {% endhint %} *** ## Liquidity pool It's a shared pool of assets where suppliers provide liquidity that borrowers can access through overcollateralized positions. ### How liquidity pools work When you supply assets to Dolomite through WLFI Markets, your tokens are added to the liquidity pool. This pool serves as the source of funds for borrowers, who can borrow assets against their supplied collateral. The pool operates through decentralized smart contracts that manage: * **Asset Deposits**: Suppliers add assets to the pool * **Asset Withdrawals**: Suppliers can remove their assets (subject to utilization) * **Borrowing**: Borrowers access liquidity from the pool using collateral * **Repayment**: Borrowers return assets to the pool * **Reward Accrual**: Suppliers earn rewards while borrowers pay rates dynamically ### Pool dynamics The liquidity pool is dynamic and changes based on user activity: * **Supply**: When users supply assets, the pool grows, increasing available liquidity * **Borrow**: When users borrow, liquidity decreases, affecting utilization rates * **Rates**: As utilization changes, rates adjust automatically to balance supply and demand * **Liquidity Availability**: The amount available to borrow depends on what's supplied and not currently borrowed {% hint style="warning" %} **Important** The liquidity pool is shared across all users. When you supply assets, they become part of the pool and can be borrowed by others. Your supplied assets continue to earn rewards and can be withdrawn (subject to utilization), but they're part of the shared pool while supplied. {% endhint %} *** ## Markets A **market** is an instance of a specific token within the WLFI Markets liquidity pool. Each market represents a supported asset (like USD1, USDC, ETH, cbBTC, USDT, or WLFI) with its own set of risk parameters and configurations. ### Market characteristics Each market in WLFI Markets has: * **Market ID**: A numerical identifier used to reference the market (more efficient than token addresses) * **Underlying Asset**: The actual token (e.g., ETH, USD1) * **Price Oracle**: Determines the current price of the asset * **Borrow Rate Model**: Defines how rates adjust based on utilization * **Risk Parameters**: Settings like liquidation threshold and margin ratios * **Supply and Borrow Caps**: Limits on total supply and borrowing capacity ### Market parameters Markets are configured with specific parameters that govern their behavior: | Parameter | Description | | ------------------------- | --------------------------------------------------------- | | **Liquidation Threshold** | The point at which a position becomes liquidatable | | **Supply Cap** | Maximum total amount that can be supplied to the market | | **Borrow Cap** | Maximum total amount that can be borrowed from the market | | **Borrow Rate Model** | How rates adjust based on utilization | | **Can Be Collateral** | Whether the asset can be used as collateral | {% hint style="info" %} **Market IDs** Markets are referenced by numerical IDs rather than token addresses. This design allows for efficient on-chain lookups and stable references even if underlying token implementations change. When interacting with the protocol programmatically, always use Market IDs. {% endhint %} For a complete list of available markets, see the [Markets](https://github.com/worldliberty/public-docs/blob/main/markets.md) documentation. *** ## Collateral **Collateral** refers to assets you supply to WLFI Markets that can be used to secure borrowed positions. The **liquidation threshold** determines how much you can borrow against your collateral. ### Understanding borrowing power The liquidation threshold represents the maximum percentage of your collateral's value that you can borrow. For example: * If you supply $10,000 worth of ETH with an 85% liquidation threshold, you can borrow up to $8,500 worth of other assets * Some assets cannot be used as collateral for borrowing ### How collateral works When you supply assets to WLFI Markets: 1. **Collateral Value**: Your supplied assets are valued at their current market price 2. **Borrowing Power**: The liquidation threshold determines how much you can borrow 3. **Position Safety**: Lower borrowing amounts mean more collateral buffer, reducing liquidation risk 4. **Dynamic Updates**: As asset prices change, your borrowing power adjusts automatically {% hint style="warning" %} **Important** Not all assets can be used as collateral. Always check an asset's collateral status before supplying if you plan to borrow. {% endhint %} *** ## Collateral ratio The **Collateral Ratio** is a critical metric that indicates the safety of your borrow position. It measures how close your position is to liquidation. ### Understanding collateral ratio Collateral Ratio is calculated as: ``` Collateral Ratio = Total Collateral Value / Total Borrowed Value ``` * **Collateral Ratio > 1.0**: Your position is safe * **Collateral Ratio = 1.0**: You're at the liquidation threshold * **Collateral Ratio < 1.0**: Your position can be liquidated ### Collateral ratio ranges | Collateral Ratio | Status | Description | | ---------------- | ------------ | ---------------------------------------- | | **> 2.0** | Safe | Healthy position with significant buffer | | **1.5 - 2.0** | Good | Adequate safety margin | | **1.1 - 1.5** | Warning | Approaching liquidation threshold | | **1.0 - 1.1** | Dangerous | Very close to liquidation | | **< 1.0** | Liquidatable | Position can be liquidated | ### Monitoring collateral ratio Your Collateral Ratio changes based on: * **Asset Price Movements**: If collateral prices drop or borrowed asset prices rise, Collateral Ratio decreases * **Borrow Position Growth**: As your borrow position grows over time, your Collateral Ratio decreases * **Supplying More**: Adding more collateral increases Collateral Ratio * **Withdrawals**: Removing collateral decreases Collateral Ratio * **Borrowing**: Taking on more debt decreases Collateral Ratio * **Repayment**: Paying back debt increases Collateral Ratio {% hint style="warning" %} **Critical** Always monitor your Collateral Ratio, especially when: * Market volatility is high * You're approaching the liquidation threshold (1.0) * You have large borrow positions * Asset prices are moving against your position If your Collateral Ratio drops below 1.0, your position can be liquidated, resulting in loss of collateral. {% endhint %} You can view your Collateral Ratio on the Dashboard or in the Collateral Ratio dialog, which shows a visual representation of your position's safety and your current liquidation threshold. *** ## Liquidation threshold The **Liquidation Threshold** is the maximum borrowing ratio at which your position can be liquidated. Once your position exceeds this threshold, it becomes eligible for liquidation. ### How liquidation works When your position exceeds the liquidation threshold: 1. **Liquidation Eligibility**: Your position becomes eligible for liquidation 2. **Liquidator Action**: Anyone can liquidate your position to earn a liquidation reward 3. **Collateral Withholding**: A portion of your collateral is withheld to cover your borrow position 4. **Liquidation Penalty**: A penalty is applied to the liquidated amount ### Understanding the threshold The liquidation threshold defines the maximum amount you can borrow relative to your collateral. For example: * **Liquidation Threshold**: 85% (when liquidation becomes possible) If asset prices move against you or borrow rates accrue, your position can exceed the threshold. ### Preventing liquidation To avoid liquidation: * **Monitor Collateral Ratio**: Keep it well above 1.0 * **Add Collateral**: Supply more assets to increase your collateral value * **Repay Debt**: Reduce your borrowed amount * **Maintain Buffer**: Don't borrow at maximum capacity; keep a safety margin {% hint style="warning" %} **Important** Liquidation can result in significant losses. The liquidator receives a reward, and you pay a penalty. Always maintain an optimal Collateral Ratio to avoid liquidation risk. {% endhint %} *** ## Rates Rates in WLFI Markets are dynamic and adjust automatically based on market conditions. Suppliers earn rewards on their supplied assets, while borrowers pay rates on their borrowed assets. ### Supply rates **Supply rates** are the rates that suppliers earn on their deposited assets. These rates: * **Accrue Continuously**: Rewards are calculated and added to your balance continuously * **Vary by Asset**: Different assets have different supply rates * **Adjust Dynamically**: Rates change based on utilization and market conditions * **Include Incentives**: May include additional rewards like USD1 Points ### Borrow rates **Borrow rates** are the rates that borrowers pay on their borrowed assets. These rates: * **Accrue Continuously**: Rates accumulate on your debt over time * **Vary by Asset**: Different assets have different borrow rates * **Adjust Dynamically**: Rates increase as utilization increases * **Impact Collateral Ratio**: Higher rates mean faster debt growth ### Rate models Rates follow a utilization-based model: * **Low Utilization**: Lower rates to encourage borrowing * **Optimal Utilization**: Rates begin to increase more steeply * **High Utilization**: Higher rates to discourage borrowing and encourage supply This model helps balance supply and demand, ensuring liquidity remains available. ### Net rate Your **Net Rate** represents your overall earning or paying rate across all positions: ``` Net Rate = (Rewards Earned on Collateral - Rates Paid on Debt) / Net Worth ``` * **Positive Net Rate**: You're earning more than you're paying * **Negative Net Rate**: You're paying more than you're earning {% hint style="info" %} **Rate Updates** Rates update continuously as market conditions change. The rates you see are current rates and may change based on utilization, governance decisions, and market dynamics. {% endhint %} *** ## Utilization **Utilization** measures how much of the available liquidity in a market is currently being borrowed. It's expressed as a percentage of total supplied assets that are borrowed. ### Understanding utilization Utilization is calculated as: ``` Utilization = Total Borrowed / Total Supplied × 100% ``` * **Low Utilization (0-50%)**: Plenty of liquidity available, lower rates * **Medium Utilization (50-80%)**: Moderate liquidity, moderate rates * **High Utilization (80-100%)**: Limited liquidity, higher rates ### Impact on rates Utilization directly affects rates: * **Low Utilization**: Lower rates to incentivize borrowing * **Increasing Utilization**: Rates gradually increase * **High Utilization**: Significantly higher rates to: * Discourage additional borrowing * Incentivize suppliers to add more liquidity * Ensure liquidity remains available for withdrawals ### Utilization and your position High utilization can affect your ability to: * **Borrow More**: Limited liquidity may restrict additional borrowing * **Withdraw**: If utilization is very high, there may be insufficient liquidity for withdrawals * **Rates**: Higher utilization means higher borrow rates, increasing your debt faster {% hint style="info" %} **Optimal Utilization** Each market has an optimal utilization rate where the rate model transitions. Below optimal, rates increase slowly. Above optimal, rates increase more rapidly to balance supply and demand. {% endhint %} *** ## E-Mode (efficiency mode) **E-Mode** (Efficiency Mode) is a feature that optimizes borrowing when your collateral and borrowed assets are in the same risk category (e.g., stablecoins). ### How E-Mode works When E-Mode is active: * **Higher Liquidation Threshold**: You can borrow more against your collateral (e.g., 90% instead of 85%) * **Same Category Only**: Both collateral and borrowed assets must be in the same category * **Automatic Activation**: E-Mode activates automatically when you supply and borrow assets from the same category * **Category Restrictions**: You can only borrow assets from the same category while E-Mode is active ### E-Mode categories Common E-Mode categories include: * **Stablecoins**: USD1, USDC, USDT etc. * **ETH**: ETH-related assets * **Other Categories**: As defined by protocol governance ### Benefits and considerations **Benefits:** * Higher borrowing power * More efficient capital utilization * Lower collateral requirements for same borrowing amount **Considerations:** * Limited to same-category assets * Higher liquidation threshold means less safety buffer * Must maintain category alignment to keep benefits {% hint style="info" %} **E-Mode Activation** E-Mode activates automatically when you supply and borrow assets from the same category. For example, supplying USD1 and borrowing USDC will activate Stablecoin E-Mode, giving you higher borrowing power for stablecoin-to-stablecoin positions. {% endhint %} For more details, see the [E-Mode](/wlfi-markets/e-mode) documentation. *** ## Risk parameters **Risk parameters** are settings that govern each market's behavior and determine how assets can be used within WLFI Markets. These parameters are set by [Dolomite governance](https://docs.dolomite.io/dolomite-governance) and can vary between markets. ### Key risk parameters | Parameter | Description | Impact | | ------------------------- | ---------------------------------------- | ---------------------------------------------- | | **Liquidation Threshold** | Point where liquidation becomes possible | Defines your safety margin and borrowing power | | **Margin Ratio** | Used for margin calculations | Affects borrowing capacity | | **Margin Premium** | Additional margin requirement per asset | Adjusts threshold for specific assets | | **Supply Cap** | Maximum total supply | Limits market size | | **Borrow Cap** | Maximum total borrowing | Controls borrowing capacity | | **Borrow Rate Model** | How rates adjust | Affects supply and borrow rates | | **Liquidation Reward** | Reward for liquidators | Incentivizes liquidations | ### Parameter variations Risk parameters can vary: * **Between Markets**: Different assets have different parameters based on risk assessment * **Over Time**: Governance can adjust parameters based on market conditions * **By Category**: E-Mode categories may have different parameter sets ### How parameters affect you Risk parameters directly impact: * **Borrowing Capacity**: Liquidation threshold determines how much you can borrow * **Position Safety**: Liquidation threshold defines your risk level * **Rates**: Rate models affect what you earn or pay * **Market Availability**: Caps limit total supply and borrowing {% hint style="warning" %} **Parameter Changes** Risk parameters can change through [Dolomite governance](https://docs.dolomite.io/dolomite-governance). Monitor protocol announcements and parameter updates, as they may affect your positions and strategies. {% endhint %} For more information about risk management, see the [Dolomite Risk Management documentation](https://docs.dolomite.io/risk-management). *** ## How concepts work together These concepts work together to create the WLFI Markets ecosystem: 1. **Suppliers** add assets to **Markets** within the **Liquidity Pool** 2. **Borrowers** use supplied assets as **Collateral** to borrow other assets 3. **Liquidation Threshold** determines borrowing capacity based on collateral value 4. **Collateral Ratio** monitors position safety 5. **Rates** adjust based on **Utilization** to balance supply and demand 6. **E-Mode** optimizes borrowing for same-category assets 7. **Risk Parameters** govern all market behavior Understanding these relationships helps you: * Make informed decisions about supplying and borrowing * Manage risk effectively * Optimize your positions * Avoid liquidation *** ## What's next? Now that you understand the core concepts, you can: * [**Supply** ](https://github.com/worldliberty/public-docs/blob/main/how-to-guides/supply.md)- Learn how to supply assets to earn rewards * [**Borrow**](https://github.com/worldliberty/public-docs/blob/main/how-to-guides/borrow.md) - Understand how to borrow against your collateral * [**Withdraw**](https://github.com/worldliberty/public-docs/blob/main/how-to-guides/withdraw.md) - Learn how to remove your supplied assets * [**Repay**](https://github.com/worldliberty/public-docs/blob/main/how-to-guides/repay.md) - Understand how to pay back borrowed assets *** ## Additional resources * [WLFI Markets Overview](/wlfi-markets/overview) - High-level overview of WLFI Markets * [Markets](/wlfi-markets/markets) - Complete list of available markets * [E-Mode](/wlfi-markets/e-mode) - Learn more about efficiency mode * [Dolomite Documentation](https://docs.dolomite.io) - Technical documentation for the underlying protocol # Markets WLFI Markets is provided by [Dolomite](https://dolomite.io), a decentralized protocol. Markets represent the supported assets that can be supplied, borrowed, and used as collateral within the protocol. {% hint style="info" %} **How Markets Work** Dolomite wraps around tokens to create markets and are accessed via numerical ID (not token address). Each Market specifies the [Price Oracle](https://github.com/dolomite-exchange/dolomite-margin/blob/master/contracts/protocol/interfaces/IPriceOracle.sol) used to determine the price for its asset, the [Interest Setter](https://github.com/dolomite-exchange/dolomite-margin/blob/master/contracts/protocol/interfaces/IInterestSetter.sol) contract which determines the interest rates, and other essential [risk parameters](https://docs.dolomite.io/risk-management). {% endhint %} *** ## Ethereum mainnet markets WLFI Markets currently operates on Ethereum Mainnet with the following supported markets:
IDAssetAddress
0WETH0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2
1USD10x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d
2USDC0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48
5USDT0xdAC17F958D2ee523a2206206994597C13D831ec7
13WLFI0xdA5e1988097297dCdc1f90D4dFE7909e847CBeF6
18cbBTC0xcbb7c0000ab88b473b1f5afd9ef808440eed33bf
*** ## Asset categories ### Stablecoins
AssetDescription
USD1World Liberty Financial's USD-backed stablecoin
USDCCircle's USD Coin
USDTTether USD
### ETH & BTC
AssetDescription
WETHWrapped Ether
cbBTCCoinbase Wrapped Bitcoin
### Governance tokens
AssetDescription
WLFIWorld Liberty Financial governance token
*** ## Understanding market IDs Markets in Dolomite are referenced by ascending numerical IDs rather than token addresses. This design allows for: * **Efficient indexing** - Numerical IDs are more gas-efficient for on-chain lookups * **Consistent references** - Market IDs remain stable even if underlying token implementations change * **Easy integration** - Developers can reference markets by simple integers {% hint style="warning" %} **Important** When interacting with the protocol programmatically, always use Market IDs rather than token addresses to ensure compatibility with the Dolomite smart contracts. {% endhint %} *** ## Adding new markets New markets can only be listed by the protocol administrator. Over time, governance may have the right to add assets through an ownership adapter or listing committee appointed by the DAO. {% hint style="info" %} For more detailed technical information about markets, including risk parameters and interest rate models, visit the [Dolomite Documentation](https://docs.dolomite.io/markets). {% endhint %} # E-Mode E-Mode (Efficiency Mode) is a feature that enables higher capital efficiency when borrowing correlated assets. When you supply collateral and borrow an asset within the same risk category, the third-party protocol on WLFI Markets automatically applies a more favorable liquidation threshold. {% hint style="info" %} **Automatic activation** E-Mode activates automatically based on the assets in your position. There's no manual toggle - simply supply and borrow correlated assets to benefit from enhanced liquidation thresholds. {% endhint %} *** ## How E-Mode works Dolomite groups assets into risk categories based on their price correlation. When all assets in your position belong to the same category, the protocol applies optimized margin requirements. {% hint style="info" %} **Supported E-Mode categories** While Dolomite supports additional E-Mode categories across its deployments, WLFI Markets currently supports two modes: 1. **Stablecoin E-Mode** - For positions containing only USD-pegged stablecoins 2. **Ethereum-correlated E-Mode** - For positions containing only ETH and ETH-derivative assets {% endhint %} {% hint style="warning" %} **Default margin requirement** If no E-Mode is active, WLFI Markets uses the default margin requirement (117.65% / 85% liquidation threshold). Mixing assets from different categories in any position will cause the entire position to use the default margin requirement. {% endhint %} | Mode | Assets | Margin requirement | Liquidation threshold | | ------------------------------ | ---------------- | ------------------ | --------------------- | | **Stablecoin E-Mode** | USD1, USDC, USDT | Lower | Higher | | **Ethereum-Correlated E-Mode** | ETH | Lower | Higher | ### Example: Stablecoin E-Mode If you supply **USD1** as collateral and borrow **USDT**, both assets are stablecoins pegged to USD. Because their prices move together, the risk of liquidation due to price divergence is minimal. E-Mode recognizes this correlation and allows you to borrow more against your collateral. If you then borrow **ETH** in the same position, the margin requirement automatically adjusts to the default rate since ETH is not correlated with stablecoins. *** ## Asset categories WLFI Markets on Ethereum Mainnet supports the following asset categories for E-Mode: ### Stablecoin E-Mode
Market IDAssetDescription
1USD1World Liberty Financial's USD-backed stablecoin
2USDCCircle's USD Coin
5USDTTether USD
Positions containing only stablecoins benefit from E-Mode's enhanced liquidation threshold. Borrowing one stablecoin against another stablecoin as collateral qualifies for this mode. ### Ethereum-correlated E-Mode
Market IDAssetDescription
0ETHEthereum
Positions containing only ETH-correlated assets benefit from enhanced liquidation threshold. {% hint style="info" %} **Coming soon** For now, WLFI Markets only supports supplying ETH (which will be automatically wrapped to WETH) in this category. Additional ETH-derivative assets will be added in the future. {% endhint %} *** ## Benefits of E-Mode
BenefitDescription
Higher Borrowing PowerBorrow more against your collateral when using correlated assets
Capital EfficiencyOptimize your positions without additional collateral
Automatic ApplicationNo configuration needed—E-Mode applies based on your position composition
Flexible PositionsAdd non-correlated assets anytime; the margin requirement adjusts automatically
*** ## E-Mode and liquidation risk {% hint style="warning" %} **Important** While E-Mode allows higher liquidation thresholds, it does not eliminate liquidation risk. Even correlated assets can experience temporary price divergence. Monitor your collateral ratio and maintain appropriate buffers. {% endhint %} When E-Mode is active, your liquidation threshold remains tied to the enhanced margin requirements. If your position's collateral ratio drops below 1.00, it becomes eligible for liquidation regardless of whether E-Mode is active. ### Best practices * **Monitor your collateral ratio** regularly, especially during periods of high market volatility * **Maintain a buffer** above the minimum collateralization threshold * **Understand the assets** in your position and their correlation dynamics *** ## Technical details E-Mode is provided by Dolomite's Account Risk Override system. The protocol evaluates your position's composition on every transaction and applies the appropriate margin category automatically. | Mode | Minimum collateralization | Liquidation threshold | | ------------------------------ | ------------------------- | --------------------- | | **Default** | 117.65% | 85% | | **Stablecoin E-Mode** | Enhanced | Higher | | **Ethereum-Correlated E-Mode** | Enhanced | Higher | {% hint style="info" %} For more technical information about risk parameters and margin calculations, visit the [Dolomite Risk Management Documentation](https://docs.dolomite.io/risk-management). {% endhint %} # How to guides Step-by-step guides to help you navigate WLFI Markets and make the most of its features. Whether you're supplying assets, borrowing, or tracking your activity, these guides walk you through each process. ## Available guides | Guide | Description | | ---------------------------------------------------- | --------------------------------------------------------------------------------------------------------- | | [**Supply**](/wlfi-markets/how-to-guides/supply) | Learn how to supply assets to third-party protocols on WLFI Markets to earn rewards and use as collateral | | [**Withdraw**](/wlfi-markets/how-to-guides/withdraw) | Remove your supplied assets from WLFI Markets back to your wallet | | [**Borrow**](/wlfi-markets/how-to-guides/borrow) | Access liquidity by borrowing assets against your supplied collateral | | [**Repay**](/wlfi-markets/how-to-guides/repay) | Pay back your borrowed assets to reduce your borrow position | | [**Activity**](/wlfi-markets/how-to-guides/activity) | View your transaction history and track all your positions | | [**Rewards**](/wlfi-markets/how-to-guides/rewards) | Understand and view your USD1 Points earned through the protocol | ## Getting started If you're new to WLFI Markets, we recommend following these guides in order: 1. [**Supply**](/wlfi-markets/how-to-guides/supply) - Start by supplying assets to the protocol 2. [**Borrow**](/wlfi-markets/how-to-guides/borrow) - Use your supplied collateral to borrow other assets 3. [**Repay**](/wlfi-markets/how-to-guides/repay) - Pay back your borrowed assets when ready 4. [**Withdraw**](/wlfi-markets/how-to-guides/withdraw) - Remove your assets from the protocol ## Prerequisites Before using WLFI Markets, ensure you have: * A compatible Web3 EVM wallet (MetaMask, Phantom, Binance Wallet, OKX Wallet, or others) * ETH in your wallet to cover gas fees * Your wallet connected to the Ethereum network ## Additional resources * [WLFI Markets Overview](/wlfi-markets/overview) - Learn about WLFI Markets * [Concepts](/wlfi-markets/concepts) - Understand core concepts like collateral ratio, liquidation, and rates * [E-Mode](/wlfi-markets/e-mode) - Learn about efficiency mode for stablecoin positions * [Markets](/wlfi-markets/markets) - View all available markets and rates # Supply Supplying assets to third-party protocols through WLFI Markets allows you to earn potential rewards and use your supplied assets as collateral for borrowing. This guide walks you through the complete process of supplying assets to WLFI Markets. ## Overview When you supply assets using the WLFI Markets interface, you: * **Earn Potential Rewards**: Potentially receive rewards on your supplied assets * **Enable Borrowing**: Use your supplied assets as collateral to borrow other assets * **Earn USD1 Points**: Accumulate points when supplying USD1 * **Flexible Access**: Withdraw your supplied assets at any time, subject to available liquidity ## Prerequisites Before supplying, ensure you have: * A compatible Web3 EVM wallet (MetaMask, Phantom, Binance Wallet, OKX Wallet, or others) * Sufficient assets in your wallet to supply * ETH in your wallet to cover gas fees for the transaction * Your wallet connected to the Ethereum network {% hint style="info" %} If you don't have any assets to supply, you'll need to transfer compatible assets to your wallet first. {% endhint %} ## Step 1: Navigate to the dashboard Visit the [WLFI Markets application](https://markets.worldlibertyfinancial.com) and navigate to the **Dashboard** page. You can access it directly by clicking "Dashboard" in the top navigation bar. Before connecting your wallet, you'll see the available assets to supply and borrow, along with their current rates.
WLFI Markets Dashboard showing available assets and Connect wallet prompt

The WLFI Markets Dashboard displays all available assets with their supply and borrow rates

## Step 2: Connect your wallet Click the **Connect wallet** button in the center of the page or in the top-right corner of the navigation bar. A modal will appear with a list of supported wallet providers. Select your preferred wallet from the available options.
Wallet connection modal showing available wallet options

Choose your preferred wallet provider to connect to WLFI Markets

{% hint style="info" %} If you don't have a wallet yet, click **"I don't have a wallet"** at the bottom of the modal for guidance on setting one up. {% endhint %} After selecting your wallet, complete the following connection steps: **1. Wallet connection request** Your wallet will prompt you to connect. Open your wallet extension to approve the connection.
Wallet requesting connection approval

Open your wallet extension to approve the connection request

**2. Sign in with Ethereum** After connecting, you'll be asked to sign a message to verify wallet ownership. Click **"Sign In"** to proceed.
Sign In With Ethereum prompt

Sign the message to verify you own this wallet

**3. Awaiting confirmation** The application will wait for you to confirm the signature in your wallet.
Awaiting signature confirmation

Confirm the signature request in your wallet

### Accept Terms of Service On your first visit or when the Terms of Service have been updated, you'll be prompted to read and accept the third-party Terms of Service. Scroll through the terms to review them fully.
Once you've read the terms, click the **"Agree and sign"** button. Your wallet will prompt you to sign a message confirming your acceptance.
Once connected and terms accepted, the dashboard will update to show your personal balances and positions. ## Step 3: Select the asset to supply Once your wallet is connected, the dashboard displays your wallet balances for each asset in the **"Available to supply"** section. Review the available assets and their details: | Column | Description | | --------------------- | --------------------------------------------------------- | | **Asset** | The token name and icon | | **Wallet balance** | Your current wallet balance and USD value | | **Supply rate** | The reward rate you'll earn | | **Can be collateral** | Whether the asset can be used as collateral for borrowing | Locate the asset you want to supply and click the **Supply** button next to it.
Dashboard showing Available to supply section with Supply buttons for each asset

Click the Supply button next to the asset you want to supply

{% hint style="warning" %} **Important**: Ensure you have sufficient ETH in your wallet to cover gas fees. If your wallet shows a zero balance for all assets, you'll need to fund your wallet before proceeding. {% endhint %} ## Step 4: Enter the amount and review the transaction After clicking **Supply**, a modal appears where you can specify your supply details: ### Enter the supply amount 1. Enter the amount you want to supply in the input field 2. The USD equivalent value is displayed below the amount 3. Click **"Set max"** to supply your entire wallet balance of that asset ### Review the transaction overview Before confirming, review the transaction details: | Field | Description | | -------------------- | ------------------------------------------------------ | | **Supply rate** | The current rate you'll earn on this supply | | **Collateral ratio** | How your collateral ratio will change after the supply | | **Gas fee** | The estimated transaction cost in ETH and USD | ### Token approval For assets other than ETH, you'll need to approve the token spending for each supply. Click the **"Approve \[Asset] to continue"** button and confirm the approval transaction in your wallet.
Supply modal showing the Approve USD1 to continue button

Approve token spending before your supply transaction

{% hint style="info" %} **E-Mode Activation**: When supplying stablecoins like USD1, E-Mode may automatically activate in the Stablecoin category. This enables higher borrowing power when borrowing other stablecoins. Learn more about [E-Mode](/wlfi-markets/e-mode). {% endhint %} ## Step 5: Complete the supply Once the token is approved, review the final transaction details and complete your supply: 1. Click the **"Supply \[Asset]"** button (e.g., "Supply USD1") 2. Confirm the transaction in your connected wallet 3. Wait for the transaction to be processed on the Ethereum network
Supply modal showing the Supply USD1 button to complete the supply

Click the Supply button to complete your supply

After the transaction is confirmed, you'll see a success message with the details of your supply:
Transaction complete modal showing successful supply of 47 USD1 with link to view on Explorer

Your supply is complete! You can view the transaction on the blockchain explorer

Once complete: * Your supplied asset will appear in the **"My supplies"** section on the dashboard * Your **Net worth** and **Collateral ratio** will update accordingly * You'll start earning supply rewards immediately * Your **USD1 Points** will begin accumulating (if applicable) {% hint style="success" %} **Success!** Your assets are now supplied to WLFI Markets. You can view your position on the Dashboard and track your earnings in real-time. {% endhint %} ## Understanding your position After supplying, the Dashboard displays your position details: | Metric | Description | | -------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Net worth** | Total USD value of your supplied assets minus borrowed assets | | **Net rate** | The combined effect of all supply and borrow positions on net worth, including incentives. It is possible to have a negative net rate if debt rate is higher than supply rate | | **Collateral ratio** | Your collateral ratio and loan to value determine the assurance of your collateral. To avoid liquidations you can supply more collateral or repay borrow positions | | **USD1 Points** | Points accumulated from supplying USD1 | ## What's next? Now that you've supplied assets to WLFI Markets, you can: * [**Borrow**](/wlfi-markets/how-to-guides/borrow) - Use your supplied collateral to borrow other assets * [**Withdraw**](/wlfi-markets/how-to-guides/withdraw) - Remove your supplied assets when needed * [**Activity**](/wlfi-markets/how-to-guides/activity) - Track your transactions and position history * [**Rewards**](/wlfi-markets/how-to-guides/rewards) - View your USD1 Points based on your engagement in the protocol ## Additional resources * [WLFI Markets Overview](/wlfi-markets/overview) * [Markets](/wlfi-markets/markets) - View all available markets and rates * [E-Mode](/wlfi-markets/e-mode) - Learn about efficiency mode for stablecoin borrowing # Withdraw Withdrawing assets from third-party protocols on WLFI Markets allows you to move your supplied funds back to your wallet. This guide walks you through the complete process of withdrawing assets from WLFI Markets. ## Overview When you withdraw assets using the WLFI Markets interface: * **Receive Your Funds**: Assets are transferred directly back to your connected wallet * **Stop Earning on Withdrawn Amount**: You'll no longer earn supply rewards on the withdrawn portion * **Flexible Access**: Withdraw your supplied assets at any time, subject to available liquidity * **Preserve Remaining Position**: Any assets you don't withdraw continue earning rewards ## Prerequisites Before withdrawing, ensure you have: * Assets currently supplied to WLFI Markets * ETH in your wallet to cover gas fees for the transaction * Your wallet connected to the Ethereum network {% hint style="warning" %} **Important**: If you have an active borrow position, withdrawing collateral may affect your collateral ratio. Ensure you maintain an optimal ratio to avoid liquidation. {% endhint %} ## Step 1: Navigate to the dashboard Visit the [WLFI Markets application](https://markets.worldlibertyfinancial.com) and navigate to the **Dashboard** page. You can access it directly by clicking "Dashboard" in the top navigation bar. Before connecting your wallet, you'll see the available assets to supply and borrow, along with their current rates.
WLFI Markets Dashboard showing available assets and Connect wallet prompt

The WLFI Markets Dashboard displays all available assets with their supply and borrow rates

## Step 2: Connect your wallet Click the **Connect wallet** button in the center of the page or in the top-right corner of the navigation bar. A modal will appear with a list of supported wallet providers. Select your preferred wallet from the available options.
Wallet connection modal showing available wallet options

Choose your preferred wallet provider to connect to WLFI Markets

{% hint style="warning" %} Make sure to connect the same wallet you used to supply assets. Your supplied positions are tied to your wallet address. {% endhint %} After selecting your wallet, complete the following connection steps: **1. Wallet connection request** Your wallet will prompt you to connect. Open your wallet extension to approve the connection.
Wallet requesting connection approval

Open your wallet extension to approve the connection request

**2. Sign in with Ethereum** After connecting, you'll be asked to sign a message to verify wallet ownership. Click **"Sign In"** to proceed.
Sign In With Ethereum prompt

Sign the message to verify you own this wallet

**3. Awaiting confirmation** The application will wait for you to confirm the signature in your wallet.
Awaiting signature confirmation

Confirm the signature request in your wallet

Once connected, the dashboard will update to show your personal balances and positions. ## Step 3: Locate your supplied assets Once your wallet is connected, the dashboard displays your current position. Navigate to the **"My supplies"** section to view your supplied assets. This section shows: | Column | Description | | --------------- | ------------------------------------------- | | **Asset** | The token name and icon | | **Balance** | Your current supplied balance and USD value | | **Supply rate** | The reward rate you'll earn | | **Actions** | Supply more or withdraw funds | Additionally, you'll see summary information at the top: * **Total collateral** - The total USD value of your supplied collateral * **Supply rate** - The weighted average rate for all supplied assets, including incentives Locate the asset you want to withdraw and click the **Withdraw** button next to it.
Dashboard showing My supplies section with USD1 supplied and Withdraw button highlighted

Click the Withdraw button next to the asset you want to remove from WLFI Markets

{% hint style="warning" %} **Important**: Ensure you have sufficient ETH in your wallet to cover gas fees for the withdrawal transaction. {% endhint %} ## Step 4: Enter withdrawal amount and review After clicking **Withdraw**, a modal appears where you can specify your withdrawal details: ### Enter the withdrawal amount 1. Enter the amount you want to withdraw in the input field 2. The USD equivalent value is displayed below the amount 3. Click **"Set max"** to withdraw your entire supplied balance of that asset ### Review the transaction overview Before confirming, carefully review the transaction details: | Field | Description | | -------------------- | ---------------------------------------------------------- | | **Remaining supply** | The amount that will remain supplied after withdrawal | | **Collateral ratio** | How your collateral ratio will change after the withdrawal | | **Gas fee** | The estimated transaction cost in ETH and USD |
Withdraw modal showing amount input, remaining supply, collateral ratio change, and gas fee

Review the withdrawal amount and transaction details before confirming

{% hint style="danger" %} **Collateral Warning**: If you have outstanding borrows, withdrawing too much collateral can push your position toward liquidation. Monitor your collateral ratio carefully. {% endhint %} ## Step 5: Complete the withdrawal Once you've reviewed the transaction details: 1. Click the **"Withdraw \[Asset]"** button (e.g., "Withdraw USD1") 2. Confirm the transaction in your connected wallet 3. Wait for the transaction to be processed on the Ethereum network After the transaction is confirmed, you'll see a success message with the details of your withdrawal:
Transaction complete modal showing successful withdrawal of 47 USD1 with link to view on Explorer

Your withdrawal is complete! You can view the transaction on the blockchain explorer

Once complete: * The withdrawn assets will appear in your wallet * Your **"My supplies"** section will update to reflect the new balance * Your **Net worth** will adjust accordingly * If you withdrew all of an asset, it will be removed from "My supplies" {% hint style="success" %} **Success!** Your assets have been withdrawn from WLFI Markets and are now available in your wallet. {% endhint %} ## Understanding withdrawal limitations ### Utilization rate In some cases, you may not be able to withdraw the full amount of your supplied assets. This occurs when the asset has high utilization, meaning a large portion of the supplied assets are actively being borrowed. If you encounter this situation, you have several options: * **Partial Withdrawal**: Withdraw the available amount now and the remainder later * **Wait for Repayments**: As borrowers repay their loans, more liquidity becomes available * **High Rate Benefit**: During high utilization, supply rates are significantly elevated, so your remaining balance earns higher rewards {% hint style="info" %} When utilization is very high, the supply rate increases substantially. This incentivizes new supplies and encourages borrowers to repay, naturally rebalancing liquidity over time. {% endhint %} ### Collateral constraints If you have active borrow positions, your withdrawable amount may be limited by your collateral requirements: * You cannot withdraw collateral that would cause your position to become undercollateralized * The maximum withdrawable amount is calculated based on your current borrow balance and liquidation threshold * Consider [repaying](/wlfi-markets/how-to-guides/repay) some of your borrows first if you need to withdraw more collateral ## What's next? After withdrawing assets from WLFI Markets, you can: * [**Supply**](/wlfi-markets/how-to-guides/supply) - Supply assets back to WLFI Markets to earn rewards * [**Borrow**](/wlfi-markets/how-to-guides/borrow) - Use remaining collateral to borrow other assets * [**Repay**](/wlfi-markets/how-to-guides/repay) - Pay back borrowed assets to free up collateral * [**Activity**](/wlfi-markets/how-to-guides/activity) - Track your transactions and position history ## Additional resources * [WLFI Markets Overview](/wlfi-markets/overview) * [Markets](/wlfi-markets/markets) - View all available markets and rates * [E-Mode](/wlfi-markets/e-mode) - Learn about efficiency mode for stablecoin borrowing # Borrow Borrowing on third-party protocols through WLFI Markets allows you to access liquidity without selling your assets. Use your supplied collateral to borrow other assets while your collateral continues to earn rewards. This guide walks you through the complete process of borrowing on WLFI Markets. ## Overview When you borrow using the WLFI Markets interface: * **Access liquidity**: Get funds without selling your holdings * **Keep earning**: Your supplied collateral continues to earn rewards while being used * **Flexible use**: Borrowed assets are sent directly to your wallet for any purpose * **Borrow rate**: You'll pay a borrow rate on the amount borrowed until repaid ## How borrowing works ### Collateral At a high level, borrowing is performed by putting up collateral for a loan, and then assets are borrowed against that collateral. Your collateral is used to ensure lenders get repaid in the case that a loan isn't repaid. So if you borrow $100 of ETH, there needs to be enough collateral supplied so that lenders can always be repaid that $100 of ETH. Unlike some protocols where you need to explicitly enable collateral, WLFI Markets automatically uses your supplied assets as collateral. Your collateral continues earning rewards even while being used to secure borrows. ### Liquidation Liquidation is what occurs when the value of your collateral becomes too low compared to the amount borrowed. Generally this will happen when the value of your collateral drops too low, or the value of the assets borrowed gets too high. For example, if you supply $100 of USD1 as collateral and borrow $60 of ETH, your position is well collateralized. But if the price of ETH were to double, the value of what you owe would be $120, meaning that your $100 of collateral would be insufficient to repay lenders. That is why the position would be liquidated before reaching that point, converting your USD1 to ETH and repaying the ETH lenders that supplied your borrowing. Liquidation occurs when your collateral ratio drops below 1. When liquidated, enough of the collateral is sold to repay lenders, plus a liquidation penalty which is paid out to the protocol to disincentivize risky positions. ### Collateral ratio Your collateral ratio is a representation of how much collateral you have compared to how much you are borrowing. This takes into account a buffer called a liquidation threshold to make sure that lenders can be repaid even in turbulent market conditions. For example, if you have $100 of USD1 as collateral and are borrowing ETH, the liquidation won't occur when the ETH is also worth $100, since converting your USD1 to ETH in order to repay lenders may result in getting less than $100, leaving lenders without reimbursement. Each asset has a different liquidation threshold based on the risk associated with liquidating that asset. A higher ratio means a safer position: * **High ratio (e.g., 5+)**: Safe position with plenty of collateral buffer * **Low ratio (e.g., 1-2)**: Risky position close to liquidation threshold * **Below 1**: Position is at risk of liquidation {% hint style="warning" %} **Same-Asset Restriction**: You cannot borrow an asset that you've already supplied as collateral. For example, if you supply USD1, you cannot borrow USD1. This ensures the integrity of the lending pool. {% endhint %} ## Understanding asset information The **Available to borrow** section on the dashboard shows which assets you can borrow and the maximum amount available for each asset based on your collateral. For detailed information about each asset, visit the market-specific page by clicking on an asset. There you'll find the following metrics to help you make informed borrowing decisions:
Market-specific page showing detailed asset information

The market page displays comprehensive information about each asset

### Key Metrics | Metric | Description | | ------------------------- | ------------------------------------------------------------------------------------------------------------------- | | **Total supplied** | The total amount being supplied for the selected asset across all users | | **Total borrowed** | The amount of that asset being borrowed across all positions from all users | | **Available liquidity** | The difference between total supplied and total borrowed, representing assets available for borrowing or withdrawal | | **Utilization rate** | The percentage of total supply currently being borrowed. Higher utilization means higher borrow rates | | **Oracle price** | The price used to value assets, supplied by Chainlink oracles based on prices across many exchanges | | **Liquidation threshold** | The maximum amount relative to your collateral that can be borrowed before liquidation | | **Liquidation penalty** | The penalty paid when a position is liquidated, used to disincentivize risky positions | | **E-Mode** | Efficiency mode category for the asset, enabling higher borrowing power when borrowing correlated assets | ### Utilization and rates The utilization rate directly affects both supply and borrow rates: * **High utilization**: Higher borrow rates (more demand for the asset) * **Low utilization**: Lower borrow rates (less demand for the asset) This mechanism balances supply and demand in the lending pool. ### Collateral-only assets Some assets may be marked as "Collateral Only" and are not available for borrowing. These assets can only be supplied as collateral. ## Prerequisites Before borrowing, ensure you have: * Assets already supplied as collateral (see [Supply Guide](/wlfi-markets/how-to-guides/supply)) * ETH in your wallet to cover gas fees for the transaction * Your wallet connected to the Ethereum network {% hint style="warning" %} **Important**: Borrowing carries risk. If your collateral value drops or your debt increases, you may face liquidation. Only borrow what you can safely manage. {% endhint %} ## Step 1: Navigate to the dashboard Visit the [WLFI Markets application](https://markets.worldlibertyfinancial.com) and navigate to the **Dashboard** page. You can access it directly by clicking "Dashboard" in the top navigation bar. Before connecting your wallet, you'll see the available assets to supply and borrow, along with their current rates.
WLFI Markets Dashboard showing available assets and Connect wallet prompt

The WLFI Markets Dashboard displays all available assets with their supply and borrow rates

## Step 2: Connect your wallet Click the **Connect wallet** button in the center of the page or in the top-right corner of the navigation bar. A modal will appear with a list of supported wallet providers. Select your preferred wallet from the available options.
Wallet connection modal showing available wallet options

Choose your preferred wallet provider to connect to WLFI Markets

{% hint style="warning" %} Make sure to connect the same wallet you used to supply assets. Your supplied positions are tied to your wallet address. {% endhint %} After selecting your wallet, complete the following connection steps: **1. Wallet connection request** Your wallet will prompt you to connect. Open your wallet extension to approve the connection.
Wallet requesting connection approval

Open your wallet extension to approve the connection request

**2. Sign in with Ethereum** After connecting, you'll be asked to sign a message to verify wallet ownership. Click **"Sign In"** to proceed.
Sign In With Ethereum prompt

Sign the message to verify you own this wallet

**3. Awaiting confirmation** The application will wait for you to confirm the signature in your wallet.
Awaiting signature confirmation

Confirm the signature request in your wallet

Once connected, the dashboard will update to show your personal balances and positions. ## Step 3: Ensure you have collateral Before you can borrow, you must have assets supplied as collateral. Check the **"My supplies"** section to verify you have supplied assets. If the "My borrows" section shows "You have no borrow positions" with a message to "first supply collateral", you need to [supply assets](/wlfi-markets/how-to-guides/supply) before proceeding. Once you have collateral: * Your **Total collateral** value is displayed in the "My supplies" section * The **Available to borrow** section shows how much you can borrow of each asset ## Step 4: Select the asset to borrow Navigate to the **"Available to borrow"** section on the right side of the dashboard. This section shows all assets available for borrowing along with: | Column | Description | | ----------------------- | ------------------------------------------------------ | | **Asset** | The token name and icon | | **Available to borrow** | Maximum amount you can borrow based on your collateral | | **Borrow rate** | The rate you'll pay on borrowed amounts | Locate the asset you want to borrow and click the **Borrow** button next to it.
Dashboard showing Available to borrow section with Borrow buttons for each asset

Click the Borrow button next to the asset you want to borrow

{% hint style="info" %} **Note**: Assets you've supplied as collateral will show "0" available to borrow with a warning icon. You cannot borrow the same asset you've supplied. {% endhint %} ## Step 5: Enter borrow amount and review After clicking **Borrow**, a modal appears where you can specify your borrow details: ### Enter the borrow amount 1. Enter the amount you want to borrow in the input field 2. The USD equivalent value is displayed below the amount 3. Click **"Set max"** to borrow the maximum available amount (not recommended) ### Review the transaction overview Before confirming, carefully review the transaction details: | Field | Description | | -------------------- | ----------------------------------------------------- | | **Collateral ratio** | How your collateral ratio will change after borrowing | | **Gas fee** | The estimated transaction cost in ETH and USD |
Borrow modal showing amount input, collateral ratio change, gas fee, and governance notice

Review the borrow amount and how it affects your collateral ratio

{% hint style="info" %} **Governance Notice**: Parameter changes via governance can alter your account collateral ratio and risk of liquidation. Follow the [Dolomite governance](https://docs.dolomite.io/dolomite-governance) for updates. {% endhint %} ## Step 6: Understand liquidation risk If you attempt to borrow an amount that significantly reduces your collateral ratio, you'll see a liquidation risk warning: * A red warning banner will appear stating "Borrowing this amount will reduce your collateral ratio and increase risk of liquidation" * You must check the **"I acknowledge the risks involved"** checkbox before proceeding * Your collateral ratio preview will show how close you are to liquidation
Borrow modal showing liquidation risk warning with acknowledgment checkbox

High-risk borrows require acknowledging the liquidation risk before proceeding

{% hint style="danger" %} **Liquidation Warning**: A collateral ratio close to 1.0 means you're at high risk of liquidation. Consider borrowing a smaller amount to maintain a safer position. {% endhint %} ## Step 7: Complete the borrow Once you've reviewed the transaction details and are comfortable with the risk: 1. Click the **"Borrow \[Asset]"** button (e.g., "Borrow USD1") 2. Confirm the transaction in your connected wallet 3. Wait for the transaction to be processed on the Ethereum network After the transaction is confirmed, you'll see a success message:
Transaction complete modal showing successful borrow with option to add token to wallet

Your borrow is complete! Add the token to your wallet for easy tracking

Once complete: * The borrowed assets will appear in your wallet * Your borrow position will appear in the **"My borrows"** section * Your **Collateral ratio** will update to reflect the new position * The borrow rate will start accruing on your borrowed amount To add the token to your wallet interface and track your balance, click **"Add token to wallet"** in the success modal. {% hint style="success" %} **Success!** You've successfully borrowed assets on WLFI Markets. Remember to monitor your position and repay your loan to avoid liquidation. {% endhint %} ## Managing Your borrow position ### Monitoring your position After borrowing, regularly check your Dashboard to monitor: | Metric | Description | | -------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Net worth** | Total USD value of your supplied assets minus borrowed assets | | **Net rate** | The combined effect of all supply and borrow positions on net worth, including incentives. It is possible to have a negative net rate if debt rate is higher than supply rate | | **Collateral ratio** | Your collateral ratio and loan to value determine the assurance of your collateral. To avoid liquidations you can supply more collateral or repay borrow positions | | **E-Mode** | Efficiency mode status for optimized stablecoin borrowing | ### Staying safe To maintain a safe position: * **Keep a buffer**: Don't borrow the maximum available. Leave room for price fluctuations * **Monitor prices**: Watch both your collateral and borrowed asset prices * **Add collateral**: If your ratio drops, supply more assets to improve it * **Partial repay**: Reduce your debt to increase your collateral ratio ## E-Mode for stablecoins When borrowing stablecoins against stablecoin collateral, E-Mode may be active. E-Mode (Efficiency Mode) provides: * Higher loan-to-value ratios for correlated assets * More borrowing power when assets have similar price behavior * Optimized parameters for stablecoin-to-stablecoin positions Learn more about [E-Mode](/wlfi-markets/e-mode). ## What's next? Now that you've borrowed assets from WLFI Markets, you can: * [**Repay**](/wlfi-markets/how-to-guides/repay) - Pay back your borrowed assets to reduce debt * [**Supply**](/wlfi-markets/how-to-guides/supply) - Add more collateral to strengthen your position * [**Withdraw**](/wlfi-markets/how-to-guides/withdraw) - Remove collateral (if ratio permits) * [**Activity**](/wlfi-markets/how-to-guides/activity) - Track your transactions and position history ## Additional resources * [WLFI Markets Overview](/wlfi-markets/overview) * [E-Mode](/wlfi-markets/e-mode) - Efficiency mode for stablecoin borrowing * [Markets](/wlfi-markets/markets) - View all available markets and rates # Repay Repaying your borrowed assets on third-party protocols through WLFI Markets reduces your borrow position and improves your collateral ratio. This guide walks you through the complete process of repaying borrowed assets on WLFI Markets. ## Overview When you repay assets using the WLFI Markets interface: * **Reduce your borrow position**: Lower your outstanding borrowed amount * **Improve collateral ratio**: Increase your safety buffer against liquidation * **Free up collateral**: Unlock more of your supplied assets for withdrawal * **Stop accruing borrow rates**: Reduce the rates accumulating on your position ## Prerequisites Before repaying, ensure you have: * An active borrow position on WLFI Markets * Sufficient balance of the borrowed asset in your wallet to repay * ETH in your wallet to cover gas fees for the transaction * Your wallet connected to the Ethereum network {% hint style="info" %} To repay your borrow position, you need the borrowed asset in your wallet. For example, if you borrowed USD1, you need USD1 in your wallet to repay. {% endhint %} ## Step 1: Navigate to the dashboard Visit the [WLFI Markets application](https://markets.worldlibertyfinancial.com) and navigate to the **Dashboard** page. You can access it directly by clicking "Dashboard" in the top navigation bar.
WLFI Markets Dashboard showing available assets and Connect wallet prompt

The WLFI Markets Dashboard displays all available assets with their supply and borrow rates

## Step 2: Connect your wallet Click the **Connect wallet** button in the center of the page or in the top-right corner of the navigation bar. A modal will appear with a list of supported wallet providers. Select your preferred wallet from the available options.
Wallet connection modal showing available wallet options

Choose your preferred wallet provider to connect to WLFI Markets

{% hint style="warning" %} Make sure to connect the same wallet you used to borrow assets. Your borrow positions are tied to your wallet address. {% endhint %} After selecting your wallet, complete the following connection steps: **1. Wallet connection request** Your wallet will prompt you to connect. Open your wallet extension to approve the connection.
Wallet requesting connection approval

Open your wallet extension to approve the connection request

**2. Sign in with Ethereum** After connecting, you'll be asked to sign a message to verify wallet ownership. Click **"Sign In"** to proceed.
Sign In With Ethereum prompt

Sign the message to verify you own this wallet

**3. Awaiting confirmation** The application will wait for you to confirm the signature in your wallet.
Awaiting signature confirmation

Confirm the signature request in your wallet

Once connected, the dashboard will update to show your personal balances and positions. ## Step 3: Locate your borrow position Once your wallet is connected, the dashboard displays your current positions. Navigate to the **"My borrows"** section to view your active borrow positions. This section shows: | Column | Description | | --------------- | --------------------------------------------- | | **Asset** | The token name and icon of the borrowed asset | | **Debt** | Your current borrow balance and USD value | | **Borrow rate** | The rate you're paying on the borrowed amount | | **Actions** | Borrow more or repay buttons | Additionally, you'll see summary information at the top: * **Total debt** - The total USD value of your borrowed assets * **Borrow rate** - The weighted average rate for all borrowed assets * **Borrow power used** - The percentage of your available borrowing capacity currently in use Locate the asset you want to repay and click the **Repay** button next to it. {% hint style="warning" %} **Important**: Ensure you have sufficient balance of the borrowed asset in your wallet to repay. If you don't have enough, you'll need to acquire more before proceeding. {% endhint %} ## Step 4: Enter repay amount and review After clicking **Repay**, a modal appears where you can specify your repayment details: ### Enter the repay amount 1. Enter the amount you want to repay in the input field 2. The USD equivalent value is displayed below the amount 3. Click **"Set max"** to repay your entire borrow balance of that asset ### Review the transaction overview Before confirming, carefully review the transaction details: | Field | Description | | -------------------- | ------------------------------------------------------ | | **Remaining debt** | The amount that will remain borrowed after repayment | | **Collateral ratio** | How your collateral ratio will improve after repayment | | **Gas fee** | The estimated transaction cost in ETH and USD | {% hint style="info" %} **E-Mode Notice**: If E-Mode will activate or change as a result of your repayment, you'll see a notification indicating the new E-Mode category. {% endhint %} ### Token approval For the asset you're repaying, you'll need to approve the token spending. Click the **"Approve \[Asset] to continue"** button and confirm the approval transaction in your wallet. ## Step 5: Complete the repayment Once the token is approved, review the final transaction details and complete your repayment: 1. Click the **"Repay \[Asset]"** button (e.g., "Repay USD1") 2. Confirm the transaction in your connected wallet 3. Wait for the transaction to be processed on the Ethereum network After the transaction is confirmed, you'll see a success message with the details of your repayment: Once complete: * Your borrow position will be reduced by the repaid amount * Your **"My borrows"** section will update to reflect the new balance * Your **Collateral ratio** will improve * If you repaid the full amount, the asset will be removed from "My borrows" {% hint style="success" %} **Success!** You've successfully repaid borrowed assets on WLFI Markets. Your collateral ratio has improved and you've reduced your borrow position. {% endhint %} ## Partial vs full repayment ### Partial repayment You can repay any portion of your borrowed amount. This is useful when: * You want to improve your collateral ratio without fully closing your position * You only have partial funds available * You want to reduce rates accumulating on your position ### Full repayment To fully close a borrow position: 1. Click **"Set max"** to repay the entire borrowed amount 2. This ensures you repay all outstanding amounts including any accumulated rates 3. After full repayment, the asset will be removed from your "My borrows" section {% hint style="info" %} **Approval buffer for full repayment**: When repaying the full debt, your borrow position continues to accrue while the transaction is being confirmed on the network. To ensure the full debt can be repaid, the approval transaction includes a small buffer (slightly higher than the current debt). This allows the repay transaction to cover any additional amount that accrues during confirmation. Only the exact debt amount is repaid, not the full approved amount. {% endhint %} ## Benefits of repaying | Benefit | Description | | ----------------------------- | ---------------------------------------------------------- | | **Improved collateral ratio** | Reduces your risk of liquidation | | **Lower rates** | Stop rates from accumulating on the repaid portion | | **Free up collateral** | Allows you to withdraw more of your supplied assets | | **Reduced risk** | Less exposure to market volatility affecting your position | ## What's next? After repaying assets on WLFI Markets, you can: * [**Withdraw**](/wlfi-markets/how-to-guides/withdraw) - Remove your freed-up collateral * [**Supply**](/wlfi-markets/how-to-guides/supply) - Add more collateral to strengthen your position * [**Borrow**](/wlfi-markets/how-to-guides/borrow) - Take out a new loan with improved collateral ratio * [**Activity**](/wlfi-markets/how-to-guides/activity) - Track your transactions and position history ## Additional resources * [WLFI Markets Overview](/wlfi-markets/overview) * [Markets](/wlfi-markets/markets) - View all available markets and rates * [E-Mode](/wlfi-markets/e-mode) - Learn about efficiency mode for stablecoin borrowing # Activity The Activity page displays all actions done by your wallet on WLFI Markets. The transaction history helps you track your supplies, withdrawals, borrows, repayments, and other activities across all your positions. The **Activity** feature on WLFI Markets will display all completed actions you've taken, along with transaction-specific data and links to view them on the blockchain explorer. ## Overview The Activity page provides: * **Complete Transaction History**: View all your WLFI Markets transactions in one place * **Transaction Filtering**: Filter by transaction type (Supply, Borrow, Withdraw, Repay, Liquidation, Open Position) or by specific assets * **Asset Search**: Quickly find transactions involving specific tokens * **Export Functionality**: Download your transaction history as CSV or JSON files * **Blockchain Explorer Links**: Direct links to view each transaction on the blockchain explorer * **Chronological Organization**: Transactions grouped by date for easy navigation ## Navigating to activity The Activity feature can be found in the navigation panel at the top of the WLFI Markets app. Click on **"Activity"** to view your transaction history.
WLFI Markets Activity page showing transaction history

The Activity page displays all your WLFI Markets transactions organized by date

## Understanding transaction types The Activity page tracks several types of transactions: | Transaction Type | Description | | ----------------- | --------------------------------------------------------------------------------------------------- | | **Supply** | Supplies of assets into third-party protocols on WLFI Markets to earn rewards and use as collateral | | **Borrow** | Borrowing assets against your supplied collateral | | **Withdraw** | Removing supplied assets from WLFI Markets back to your wallet | | **Repay** | Paying back borrowed assets to reduce your debt | | **Liquidation** | Liquidations that occurred on your positions (if any) | | **Open position** | Initial creation of a borrow position | ## Filtering transactions ### Filter by transaction type You can filter transactions by type using the **"Transaction type(s)"** dropdown at the top of the page: 1. Click on the **"Transaction type(s)"** dropdown 2. Select one or more transaction types you want to view (e.g., "Supply", "Borrow", "Repay") 3. The list will update to show only transactions matching your selected types 4. Click the **X** button next to a selected filter to remove it, or clear all filters to see all transactions
Activity page showing transaction type filter dropdown

Filter transactions by type using the dropdown menu

### Search by asset You can search for transactions involving specific assets: 1. Click on the **"Search assets"** field at the top of the page 2. Type the name or symbol of the asset you're looking for (e.g., "USD1", "ETH", "USDC") 3. Select one or more assets from the dropdown 4. The transaction list will update to show only transactions involving your selected assets 5. Clear the search to view all transactions again
Activity page showing asset search dropdown with search results

Search for transactions by asset using the asset search field

{% hint style="info" %} The asset search supports partial matching, so you can type "USD" to find USD1, USDC, USDT, and other USD-denominated assets. {% endhint %} ### Combining filters You can use both filters simultaneously to narrow down your search. For example, you can filter for "Supply" transactions involving "USD1" to see only your USD1 supplies. ## Understanding transaction details Each transaction in the Activity page displays: ### Basic information * **Time**: The precise time the transaction occurred (displayed in 12-hour format, e.g., "05:53 PM") * **Action type**: The type of transaction (Supply, Borrow, Withdraw, Repay, Liquidation, Open Position) * **Transaction details**: * Asset icon and symbol * Amount (with + for supplies/repays, - for withdrawals/borrows) * USD equivalent value at the time of the transaction * **View button**: A button to open the transaction on the blockchain explorer ### Transaction types Each transaction type displays the asset icon, symbol, amount, and USD value at the time of the transaction: | Type | Amount Sign | Description | | ------------ | ----------- | --------------------------------- | | **Supply** | + | Assets added to the protocol | | **Borrow** | - | Assets borrowed from the protocol | | **Withdraw** | - | Assets removed from the protocol | | **Repay** | + | Borrowed assets paid back | ### Liquidation transactions Liquidation transactions show more detailed information: * **Liquidated collateral**: The collateral asset that was liquidated (with - sign) * **Covered debt**: The borrowed asset that was covered by the liquidation (with + sign) * USD values for both sides of the liquidation ## Viewing transactions on the blockchain To view any transaction on the blockchain explorer: 1. Find the transaction in your Activity list 2. Click the **"View"** button on the right side of the transaction row 3. A new tab will open showing the transaction details on the blockchain explorer (e.g., Etherscan) This allows you to see: * Transaction hash * Block number and confirmation status * Gas fees paid * Full transaction details and logs ## Exporting transaction history You can export your complete transaction history for record-keeping or analysis: ### Export as CSV 1. Click the **"Export"** button in the top-right corner of the Activity page 2. Select **"as .CSV"** from the dropdown menu 3. A CSV file will be downloaded containing all your transactions (respecting any active filters) 4. The file will be named `transactions-[timestamp].csv` The CSV file includes all transaction data in a flattened format, suitable for importing into spreadsheet applications like Excel or Google Sheets. ### Export as JSON 1. Click the **"Export"** button in the top-right corner of the Activity page 2. Select **"as .JSON"** from the dropdown menu 3. A JSON file will be downloaded containing all your transactions (respecting any active filters) 4. The file will be named `transactions-[timestamp].json` The JSON file contains the complete transaction data in a structured format, suitable for programmatic analysis or integration with other tools. {% hint style="info" %} **Note**: Exports include all transactions that match your current filters. If you have filters active, only filtered transactions will be exported. Clear filters to export your complete history. {% endhint %} ## Transaction organization Transactions are automatically organized by date, with the most recent transactions appearing first. Each date group shows: * The date header (e.g., "November 12, 2025") * All transactions that occurred on that date, with the most recent transactions within each day appearing first * Time stamps for each transaction within the day This makes it easy to: * Review your activity for specific days * Track patterns in your usage over time * Find transactions from a particular date ## Empty states ### No transactions If you haven't made any transactions yet, you'll see a message indicating "No transactions found" with a link to go to the Dashboard to start using WLFI Markets. ### No matching filters If you've applied filters but no transactions match your criteria, you'll see a "Nothing found" message with an option to reset your filters. ## Infinite scrolling The Activity page uses infinite scrolling to load more transactions as you scroll down. This means: * Initial load shows the most recent transactions * Older transactions load automatically as you scroll * No need to click "Load More" buttons * All your transaction history is accessible ## What's next? Now that you've borrowed assets from WLFI Markets, you can: * [**Supply**](/wlfi-markets/how-to-guides/supply) - Add more collateral to strengthen your position * [**Borrow**](/wlfi-markets/how-to-guides/borrow) - Borrow assets and track your borrow history * [**Withdraw**](/wlfi-markets/how-to-guides/withdraw) - Remove collateral (if ratio permits) * [**Repay**](/wlfi-markets/how-to-guides/repay) - Pay back your borrowed assets to reduce debt * [**Rewards**](/wlfi-markets/how-to-guides/rewards) - View your USD1 Points based on your engagement in the protocol ## Additional resources * [WLFI Markets Overview](/wlfi-markets/overview) * [E-Mode](/wlfi-markets/e-mode) - Efficiency mode for stablecoin borrowing * [Markets](/wlfi-markets/markets) - View all available markets and rates # Rewards The Rewards page on WLFI Markets displays your USD1 Points, a participation metric that recognizes users who supply USD1 through the protocol. This guide explains how to view your rewards and understand the USD1 Points Program. ## Overview When you supply USD1 on the WLFI Markets interface: * **Earn USD1 Points**: Accumulate points based on your supplied USD1 balance * **Automatic accrual**: No staking, claiming, or extra steps required * **Track your engagement**: View your total points earned on WLFI Markets and across third-party platforms {% hint style="warning" %} USD1 Points are intended to be a participation metric only. Points reflect your ongoing engagement with USD1. {% endhint %} ## Accessing the Rewards page To view your USD1 Points: 1. Visit the [WLFI Markets application](https://markets.worldlibertyfinancial.com) 2. Connect your wallet 3. Click **"Rewards"** in the top navigation bar The Rewards page displays your current USD1 Points balance on WLFI Markets and information about the program. ## What is the USD1 Points Program? The USD1 Points Program is a way of recognizing users who hold or use USD1 across platforms. When you supply USD1 through WLFI Markets, you can earn USD1 Points that track your participation in the ecosystem. ### Key characteristics * **Not a token**: USD1 Points are not a cryptocurrency or digital asset * **Non-transferable**: Points cannot be traded, sold, or moved between platforms * **Platform-specific**: Points earned on WLFI Markets are tracked separately from third-party platforms * **Participation metric**: Points reflect engagement ## How it works There's nothing to claim, no staking, and no extra steps. Once you supply USD1, you automatically start earning points. ### Earning points on WLFI Markets * When you supply USD1, it starts generating USD1 Points * Points update continuously based on your supplied amount of USD1 * Your total points earned on WLFI Markets are displayed on the Rewards page ### Requirements {% hint style="warning" %} The USD1 Points program requires a minimum balance of **1,000 USD1** to earn USD1 Points. {% endhint %} To earn USD1 Points on WLFI Markets: | Requirement | Description | | --------------------- | ---------------------------------------------------------- | | **Minimum balance** | Supply at least 1,000 USD1 | | **Maintain supply** | Keep USD1 supplied to the protocol | | **Automatic accrual** | Points accumulate based on your supplied balance over time | ## Understanding your points display The Rewards page shows: | Element | Description | | ----------------------- | --------------------------------------------------- | | **Your USD1 points** | Your current points balance | | **Update frequency** | Points update every 24 hours | | **WLFI Markets tab** | Points earned specifically on WLFI Markets | | **Total points earned** | The cumulative points you've earned on WLFI Markets | ## Third-party platforms You may also earn USD1 Points on third-party platforms that support USD1 activity. Availability, earning rules, and eligibility on those platforms may be determined by each platform's terms and conditions. Examples of eligible activities across the ecosystem may include: * Supplying USD1 through WLFI applications * Holding USD1 balances on certain platforms * Trading USD1 pairs on participating exchanges * Using USD1 in certain DeFi protocols {% hint style="warning" %} Points earned on third-party platforms are displayed on those platforms. {% endhint %} ## Important notes * USD1 Points are a participation metric only * Participation does not guarantee points accrual * Program rules may change over time * Availability may vary by platform and jurisdiction For complete details about the USD1 Points Program, see the [USD1 Points Program](/usd1-token/usd1-points-program) documentation. ## What's next? Now that you understand how rewards work on WLFI Markets, you can: * [**Supply**](/wlfi-markets/how-to-guides/supply) - Supply USD1 to start earning points * [**Borrow**](/wlfi-markets/how-to-guides/borrow) - Use your supplied collateral to borrow other assets * [**Withdraw**](/wlfi-markets/how-to-guides/withdraw) - Remove your supplied assets when needed * [**Activity**](/wlfi-markets/how-to-guides/activity) - Track your transactions and position history ## Additional resources * [USD1 Points Program](/usd1-token/usd1-points-program) - Complete program details * [WLFI Markets Overview](/wlfi-markets/overview) * [Markets](/wlfi-markets/markets) - View all available markets and rates # Gold Paper The World Liberty Financial Gold Paper outlines our vision, mission, and strategic framework. {% embed url="" %} World Liberty Financial Gold Paper {% endembed %} {% hint style="info" %} **Download:** [Click here to download the Gold Paper PDF](https://static.worldlibertyfinancial.com/docs/gold-paper.pdf) {% endhint %} # FAQ Find answers to frequently asked questions about World Liberty Financial, USD1, WLFI governance, and the token unlock process. ## USD1 ### What is USD1? USD1 is a stablecoin redeemable on a 1:1 basis for the U.S. Dollar (USD). USD1 is 100% backed by a reserve containing short term U.S. government treasuries, U.S. government money market funds, U.S. dollar deposits, and other cash equivalents, and all such reserve assets are held or maintained by BitGo Trust Company, Inc., a South Dakota-chartered trust company ("BitGo Trust"), and/or by BitGo Technologies LLC, a federally registered money services business and state-licensed money transmitter ("BitGo Tech", together with BitGo Trust and their other affiliates, "BitGo"). BitGo issues USD1, and World Liberty Financial, Inc. and its affiliated entities, own the World Liberty Financial USD1 brand and provide certain services. BitGo processes all initial purchases and redemptions of USD1 and provides related technical infrastructure and services. ### How is USD1 fully backed to be 1:1 with the US Dollar? Every USD1 in circulation is backed 1:1 by assets held in reserve by BitGo, primarily in U.S. Dollar deposits, U.S. government money market funds and other cash equivalents. For more information, please see the [reserve reports](https://www.bitgo.com/usd1/attestations/#reports) and the [proof of reserves](https://por.worldlibertyfinancial.com/). ### Can I convert my USD1 into fiat currency? Eligible customers of BitGo may redeem USD1 for an equivalent amount of USD directly from BitGo. Other holders of USD1 may be able to exchange USD1 via the various exchanges, platforms, and regulated custodians that have agreed to support the exchange of USD1 for USD, subject to their terms and eligibility requirements. ### Where can I use USD1? We expect that USD1 will be usable across a wide range of platforms, exchanges, multiple chains, and accepted at retail locations. It will also be integrated into WLFI's DeFi protocol, where, subject to eligibility, holders may engage in a variety of activities with USD1 including lending and borrowing once operational. We are working to actively build out the ecosystem to make USD1 as widely accessible as possible. ### Are USD1 reserves examined? USD1's reserves will be periodically examined by an independent third-party firm to confirm that every issued and outstanding USD1 is backed by an equivalent amount of reserve assets. *** ## WLFI Governance ### General #### Can you provide an overview of how to participate in WLF Protocol governance? The sole purpose of $WLFI (or the "token") is to participate in governance of the World Liberty Financial Protocol (the "WLF Protocol"), so we hope you will actively participate in proposing, discussing and voting on WLF Protocol governance matters. If you do not plan to participate, you should not purchase the token. We have created this user-friendly guide to help you become engaged in WLF Protocol governance and help to shape the future of DeFi, but if any questions are not answered below, please reach out to . WLF Protocol governance can be divided into three phases: (i) proposal submission, (ii) community review, and (iii) voting. $WLFI holders can make proposals, discuss proposals and ultimately vote on them. ### Proposals #### How do we discuss potential proposals? Proposals are discussed in the "Forum". The Forum is available at . Community members must register for an account prior to participating in the Forum. Please note that the Forum is not restricted to $WLFI token-holders. Any person with an account may participate in the Forum. While the Forum is the place to discuss potential WLF Protocol governance initiatives and "temperature check" initiatives prior to voting, no actual token voting occurs on the Forum, and no actions taken on the Forum determine votes, and some discussions on the Forum may be entirely social. #### How do I make a formal proposal for voting? Formal proposals are made through Snapshot at . Any user who owns and custodies a votable $WLFI token can create a proposal. World Liberty Financial LLC, a Florida limited liability company ("WLF" or the "Company") screens proposals prior to voting beginning on Snapshot. The Company reserves the right to disallow any proposal which, if implemented, would constitute or create an unreasonable risk of violation of a legal requirement (including a contractual obligation) or a security risk, in each case as defined in the WLF governing documents. These determinations are made in the discretion of the Company and such determinations are final. #### What happens after a proposal is submitted? Once a proposal is submitted, it enters the Community Review phase. During this period, all $WLFI owners can review the proposal, provide feedback, and discuss its implementation. There is no required minimum discussion period, but the voting period for a given proposal is typically two weeks, subject to change by the Company in certain circumstances. #### How do you prevent spam proposals? The Company screens proposals and may disallow any proposal it believes is reasonably likely to be spam in nature. Eventually, through the governance process, additional screening measures may be created that allow for users to directly make proposals. ### Voting #### How does voting work? Once a proposal is approved for voting, a "snapshot" of token holders will occur when the proposal is approved. Token holders who own tokens are eligible to vote. For the most part, proposals will be single choice, up or down, votes, but in certain instances (for example, if a proposal may have more than two possible outcomes) ranked choice voting may be appropriate. In order to participate in Snapshot voting you must both (a) own $WLFI tokens and (b) custody those tokens in a fashion which allows you to connect a wallet or similar application to Snapshot. Snapshot voting allows for off-chain voting (to avoid gas fees by voters) with the results stored and verifiable on-chain. #### How do I know if a proposal is open for voting? Proposals will generally be announced on Forum. Formal proposals may be made through Snapshot and can be viewed there. You must register with Forum to receive information on proposals for voting. #### How long are votes open? The voting period for any proposal will generally be two weeks, subject to change by the Company in certain circumstances. #### Are there any limits on how many tokens I can vote? Yes. In addition to the limitation of voting 5,000,000,000 tokens per token holder (i.e. 5% of the total supply and described in greater detail below), any tokens which are treasury tokens (i.e., owned by WLF), will not be voted. #### Can I transfer my $WLFI? All $WLFI were initially non-transferable. $WLFI holders approved a proposal in July 2025 to make a portion of the $WLFI tokens sold to early purchasers transferable, with the remainder of the $WLFI tokens sold to early purchasers is intended to be subject to a second vote by the community to determine the unlock and release schedule. Treasury tokens are also transferable unless specific restrictions have been imposed. The unlock schedules for initial grants to founders, advisors, and others generally remain non-transferable, and if unlocked are expected to be subject to a longer unlock schedule. The Company retains discretion to determine the timing of and any eligibility requirements for unlocking the Tokens. #### What happens if I do not vote? If you do not participate in discussion, proposals and voting, you will not be using the functionality of the $WLFI token, and miss out on the opportunity to help shape the future of the WLF Protocol and engaged with the $WLFI community. #### What is the approval threshold for voting? A passing proposal requires an initial minimum quorum of 1,000,000,000 $WLFI tokens voted, and a majority of the $WLFI tokens voted to be passed. These thresholds may be modified over time through the governance process. #### What if a token holder holds more than 5,000,000,000 $WLFI tokens (5% of the total supply)? WLF is intended to reflect distributed governance, so has decided to limit the voting power of a single token holder. Wallets with more than 5% of the total token supply, i.e. 5,000,000,000 or more $WLFI tokens will only be able to vote a maximum of 5,000,000,000 tokens. In addition, if WLF is aware of any person that holds more than 5,000,000,000 $WLFI tokens across multiple wallets or addresses, WLF will take steps to ensure that person is limited to voting no more than 5,000,000,000 tokens, regardless of the number of addresses or wallets that person uses to control their total $WLFI tokens. Early contributors and service providers with more than 5% have already notified WLF of their ownership positions and affiliate status. #### What is the difference between total token supply, outstanding token supply and votable token supply? **Total token supply** is the total supply of tokens ever minted. It is fixed at 100 billion tokens. **Outstanding token supply** is the total token supply minus tokens held in treasury by WLF. This includes tokens sold to purchasers in token sales and grants made to advisors, service providers, directors, officers and employees. **Votable token supply** is the outstanding token supply after being reduced by the number of tokens known to be held by persons who, together with affiliates own more than 5,000,000,000 $WLFI tokens. For example, if a holder owns 7,000,000,000 $WLFI tokens, such person is only permitted to vote 5,000,000,000 $WLFI tokens, and the total votable token supply is reduced by 2,000,000,000 $WLFI tokens. Because the votable token supply is variable, and will ultimately be determined by the number of $WLFI tokens sold or issued, WLF reserves the right to adjust the programmatic limitation on token voting to 5% of the actual voting token supply from time to time. #### If I hold my $WLFI through a third party custodian, how can I vote? You should contact your third party custodian for their policies and procedures for reflecting your votes. ### Proposal Implementation #### How are approved proposals implemented? Once a snapshot is approved, if such approval (or disapproval) requires on chain Platform action, the relevant Multi-Sig shall implement the action. This implementation will occur within a reasonable period of time from the passage of the proposals. Certain upgrade proposals may require extensive audits and other security verifications prior to being safely implemented within the Platform, and the time frame of implementation of a passed snapshot shall be within the sole reasonable discretion of the relevant Multi-Sig. #### Under what circumstances will a vote approved through WLF Protocol governance not be implemented? The Company reserves the right to disallow any proposed or approved proposal which, if implemented, would constitute or create an unreasonable risk of a legal violation (including any contractual obligation), or create a security risk, each as defined in the WLF governing documents. These determinations are made in the discretion of the Company and such determinations are final. ### Other Governance Questions #### Will the WLF Protocol governance platform be upgraded? There are no plans to upgrade the WLF Protocol governance platform. WLF Protocol governance platform may, through the procedures outlined herein, upgrade its voting procedures to include automated implementation of certain proposals or types of proposals, but you should assume no future upgrades will occur. Additionally, all of the parameters listed herein are simply the initial parameters of the platform, and subject to change through the voting process, as long as such changes would not cause WLF to violate any laws or contractual obligations. #### Can WLF Protocol governance be suspended if there is a major security risk or other threat? The WLF Protocol or any associated protocol could experience a "Material Adverse Event", meaning any event which prevents the WLF Protocol, or any associated protocol, from functioning in its normal, intended fashion for a prolonged period, or a "Security Risk", meaning any event which stops the WLF Protocol or endangers user's safe use of the WLF Protocol. During Material Adverse Events or Security Risks, WLF Protocol governance control over the WLF Protocol will be completely vested in the Multi-sigs until it is possible to resume normal WLF Protocol governance operations. In addition, a "Security Multi-sig" responsible for WLF Protocol governance, WLF Protocol updates, Material Adverse Events and Security Risks may be approved by token holders and WLF, which Security Multi-sig may have the power to respond to such matters. #### Is World Liberty Financial a Decentralized Autonomous Organization (a "DAO")? World Liberty Financial LLC is a Florida limited liability company. WLF administers the WLF Protocol that allows token holder voting for certain WLF Protocol governance decision making. WLF Protocol is not a DAO or an organization of any kind. The WLF Protocol is administratively controlled by one or more Multi-sigs. The number of "signers" and the person(s) who are signers are determined by the Company. While WLF Protocol governance is subject to changes initiated by proposals approved by voting token holders according to the procedures set forth herein, the Company is not subject to any such proposals or votes. $WLFI token holders do not owe any duties to each other or to the Company. The WLF governing documents indicate that the WLF Protocol will implement certain WLF Protocol governance proposals if approved by the $WLFI token holder community. *** ## Unlock $WLFI ### Who is eligible for the unlock feature? You are eligible if you purchased WLFI tokens during the public sale between approximately October 14, 2024 and March 14, 2025, participated in either the $0.015 or $0.05 price rounds, and still hold the tokens in the original wallet that received them. ### Why is my wallet balance showing 0 WLFI after signing the Token Unlock Agreement? This is expected after you sign the Token Unlock Agreement. Your tokens are held in the unlocking smart contract. You can view your allocation and claimable balance on the Unlock page. ### Can I claim partial amounts? When you claim, you receive all available unlocked tokens. You cannot select a specific amount. The claim function transfers all currently claimable tokens to your wallet. ### What happens if I don't claim immediately? Nothing. Your tokens remain safely in the unlocking contract. There's no deadline to claim, and you can claim at any time. Unclaimed tokens continue to accumulate as more tokens unlock. ### Can I transfer tokens before claiming? No. While tokens are in the unlocking contract, they cannot be transferred. You must claim them to your wallet first, then you can use them as you wish. ### What about the remaining 80% of tokens? The remaining 80% of tokens will be unlocked according to terms decided by the community through governance proposals. Stay tuned to [governance announcements](/wlfi-token/wlfi-governance) for updates. ### I purchased tokens but I'm not seeing the unlock option. What should I do? Ensure you're: 1. Connected with the same wallet that received the tokens 2. On Ethereum Mainnet 3. A participant from the original $0.015 or $0.05 sale rounds If you still don't see your allocation, please [contact support](/resources/contact). ### What if I'm blocked or see an error on the Unlock page? For security and compliance reasons, some accounts may be restricted. If you see a blocked message: 1. You may try again later 2. Contact support for general assistance 3. We cannot provide specific details about restrictions for security reasons ### Do I need ETH for the unlock process? Yes. Both the activation (signing) and claiming transactions require ETH for gas fees. Ensure you have sufficient ETH in your wallet before proceeding. *** ## Need More Help? If your question isn't answered here, please reach out to us: * **General inquiries**: * **Governance questions**: * **Support**: [Contact Support](/resources/contact) # Brand Assets Everything you need to represent our brand correctly. Please don't alter, stretch, rotate, or create your own version of the logo. Always leave enough clear space around it to ensure visibility and impact. {% hint style="info" %} **Download Complete Brand Kit** Get all brand assets in one package: [Download Brand Kit (ZIP)](https://static.worldlibertyfinancial.com/assets/brand/kit-v1.1.zip) {% endhint %} *** ## Logos Our logo comes in multiple variations to suit different use cases. Choose the appropriate version based on your background and context. {% tabs %} {% tab title="Logomark" %} The logomark is our iconic symbol that can be used independently. **Colored Version** Use on neutral backgrounds. ![Logomark Colored](https://static.worldlibertyfinancial.com/assets/brand/logomark-colored.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/logomark-colored.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/logomark-colored.svg) **Dark Version** Use on **light backgrounds** (white, light gray, etc.) ![Logomark Dark](https://static.worldlibertyfinancial.com/assets/brand/logomark-dark.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/logomark-dark.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/logomark-dark.svg) **Light Version** Use on **dark backgrounds** (black, dark gray, navy, etc.) {% hint style="info" %} Switch to dark mode to preview, or download the asset directly. {% endhint %} ![Logomark Light](https://static.worldlibertyfinancial.com/assets/brand/logomark-light.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/logomark-light.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/logomark-light.svg) {% endtab %} {% tab title="Primary" %} The primary logo is our main horizontal wordmark with the logomark. **Colored Version** Use on neutral backgrounds. ![Primary Colored](https://static.worldlibertyfinancial.com/assets/brand/primary-colored.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/primary-colored.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/primary-colored.svg) **Dark Version** Use on **light backgrounds** (white, light gray, etc.) ![Primary Dark](https://static.worldlibertyfinancial.com/assets/brand/primary-dark.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/primary-dark.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/primary-dark.svg) **Light Version** Use on **dark backgrounds** (black, dark gray, navy, etc.) {% hint style="info" %} Switch to dark mode to preview, or download the asset directly. {% endhint %} ![Primary Light](https://static.worldlibertyfinancial.com/assets/brand/primary-light.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/primary-light.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/primary-light.svg) {% endtab %} {% tab title="Stacked" %} The stacked logo is ideal for square spaces or vertical layouts. **Colored Version** Use on neutral backgrounds. ![Stacked Colored](https://static.worldlibertyfinancial.com/assets/brand/stacked-colored.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/stacked-colored.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/stacked-colored.svg) **Dark Version** Use on **light backgrounds** (white, light gray, etc.) ![Stacked Dark](https://static.worldlibertyfinancial.com/assets/brand/stacked-dark.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/stacked-dark.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/stacked-dark.svg) **Light Version** Use on **dark backgrounds** (black, dark gray, navy, etc.) {% hint style="info" %} Switch to dark mode to preview, or download the asset directly. {% endhint %} ![Stacked Light](https://static.worldlibertyfinancial.com/assets/brand/stacked-light.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/stacked-light.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/stacked-light.svg) {% endtab %} {% tab title="Abbreviated" %} The abbreviated logo uses "WLFI" for compact spaces. **Colored Version** Use on neutral backgrounds. ![Abbreviated Colored](https://static.worldlibertyfinancial.com/assets/brand/abbreviated-colored.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/abbreviated-colored.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/abbreviated-colored.svg) **Dark Version** Use on **light backgrounds** (white, light gray, etc.) ![Abbreviated Dark](https://static.worldlibertyfinancial.com/assets/brand/abbreviated-dark.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/abbreviated-dark.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/abbreviated-dark.svg) **Light Version** Use on **dark backgrounds** (black, dark gray, navy, etc.) {% hint style="info" %} Switch to dark mode to preview, or download the asset directly. {% endhint %} ![Abbreviated Light](https://static.worldlibertyfinancial.com/assets/brand/abbreviated-light.svg) [Download PNG](https://static.worldlibertyfinancial.com/assets/brand/abbreviated-light.png) | [Download SVG](https://static.worldlibertyfinancial.com/assets/brand/abbreviated-light.svg) {% endtab %} {% endtabs %} {% hint style="warning" %} **Logo Usage Guidelines** * Do not alter, stretch, or rotate the logo * Do not create your own version of the logo * Always leave enough clear space around the logo * Use the appropriate color variant for your background {% endhint %} *** ## Color palettes ### Primary colors Our primary color palette forms the foundation of our brand identity. | | | | | | :-----------------------------------------------------------------------: | :-----------------------------------------------------------------------: | :-----------------------------------------------------------------------: | :-----------------------------------------------------------------------: | | ![#E7AC08](https://placehold.co/150x100/E7AC08/000000.png?text=%23E7AC08) | ![#FAFAF9](https://placehold.co/150x100/FAFAF9/000000.png?text=%23FAFAF9) | ![#FEED8B](https://placehold.co/150x100/FEED8B/000000.png?text=%23FEED8B) | ![#1C1917](https://placehold.co/150x100/1C1917/ffffff.png?text=%231C1917) | | **Gold** | **Light** | **Crayola Yellow** | **Eerie Black** | | `#E7AC08` | `#FAFAF9` | `#FEED8B` | `#1C1917` | ### Secondary colors Our secondary palette provides additional flexibility for various design needs. | | | | | | :-----------------------------------------------------------------------: | :-----------------------------------------------------------------------: | :-----------------------------------------------------------------------: | :-----------------------------------------------------------------------: | | ![#733D12](https://placehold.co/150x100/733D12/ffffff.png?text=%23733D12) | ![#FF4800](https://placehold.co/150x100/FF4800/000000.png?text=%23FF4800) | ![#F5F5F4](https://placehold.co/150x100/F5F5F4/000000.png?text=%23F5F5F4) | ![#D7D3D0](https://placehold.co/150x100/D7D3D0/000000.png?text=%23D7D3D0) | | **Sepia Brown** | **Int. Orange** | **Platinum Gray** | **Quick Silver** | | `#733D12` | `#FF4800` | `#F5F5F4` | `#D7D3D0` | | | | | | :-----------------------------------------------------------------------: | :-----------------------------------------------------------------------: | :-: | | ![#7A726C](https://placehold.co/150x100/7A726C/ffffff.png?text=%237A726C) | ![#292524](https://placehold.co/150x100/292524/ffffff.png?text=%23292524) | | | **Davy's Gray** | **Raisin Black** | | | `#7A726C` | `#292524` | | ## Typography ### Sora Our primary font used in all brand communication. Sora is a modern, geometric sans-serif typeface that's free and available on Google Fonts. {% embed url="" %} Sora on Google Fonts {% endembed %} {% hint style="info" %} **Get the Font** Download Sora from Google Fonts: {% endhint %} *** ## Tokens Official token icons for WLFI and USD1. {% tabs %} {% tab title="WLFI" %} The official WLFI governance token icon. ![WLFI Token](https://static.worldlibertyfinancial.com/assets/brand/wlfi.svg) **Downloads:** * [WLFI PNG](https://static.worldlibertyfinancial.com/assets/brand/wlfi.png) * [WLFI SVG](https://static.worldlibertyfinancial.com/assets/brand/wlfi.svg) {% endtab %} {% tab title="USD1" %} The official USD1 stablecoin icon. ![USD1 Token](https://static.worldlibertyfinancial.com/assets/brand/usd1.svg) **Downloads:** * [USD1 PNG](https://static.worldlibertyfinancial.com/assets/brand/usd1.png) * [USD1 SVG](https://static.worldlibertyfinancial.com/assets/brand/usd1.svg) {% endtab %} {% endtabs %} *** ## Quick downloads | Asset | Format | Link | | -------------------------- | ------ | -------------------------------------------------------------------------------------- | | **Complete Brand Kit** | ZIP | [Download](https://static.worldlibertyfinancial.com/assets/brand/kit-v1.1.zip) | | **WLFI Token Icon** | SVG | [Download](https://static.worldlibertyfinancial.com/assets/brand/wlfi.svg) | | **USD1 Token Icon** | SVG | [Download](https://static.worldlibertyfinancial.com/assets/brand/usd1.svg) | | **Primary Logo (Colored)** | SVG | [Download](https://static.worldlibertyfinancial.com/assets/brand/primary-colored.svg) | | **Logomark (Colored)** | SVG | [Download](https://static.worldlibertyfinancial.com/assets/brand/logomark-colored.svg) | *** ## Usage guidelines {% hint style="danger" %} **Do NOT:** * Alter the proportions of the logo * Stretch or compress the logo * Rotate the logo * Add effects like shadows or gradients * Place the logo on busy backgrounds * Create your own versions of the logo * Use outdated versions of the logo {% endhint %} {% hint style="success" %} **DO:** * Use official assets from this page * Maintain clear space around the logo * Use appropriate color variants for your background * Keep the logo at a legible size {% endhint %} *** ## Need help? If you have any other brand-related questions, please contact us at . # Contact Have questions about World Liberty Financial, our products, or interested in a partnership? We're here to help. Choose the contact method that best fits your needs. ## Contact forms Visit our [Contact Page](https://worldlibertyfinancial.com/contact) to submit inquiries directly to our team. We offer two specialized forms to ensure your message reaches the right department. ### General inquiry Use the **General inquiry** form for: * Questions about WLFI or USD1 * Technical support requests * Partnership inquiries * Media and press inquiries * General feedback **Required information:** * First Name * Last Name * Email Address * Reason for Contact * Message ### USD1 minting Use the **USD1 minting** form if you're interested in minting USD1 stablecoins. This form is designed for businesses and institutional clients. **Required information:** * First Name * Last Name * Work Email * Company Name * Country * Job Title Our team will review your request and follow up with next steps. ## Email contacts For direct communication, you can reach us via email at the following addresses: | Purpose | Email Address | | --------------------- | -------------------------------------- | | **General Inquiries** | | | **Support** | | | **Governance** | | | **Privacy** | | | **Compliance** | | ### When to use each email #### General inquiries Use this address for: * General questions about World Liberty Financial * Business development opportunities * Partnership proposals * Media and press inquiries #### Support Use this address for: * Technical issues with the platform * Transaction or wallet-related problems * Account access issues * Bug reports #### Governance Use this address for: * Questions about WLFI governance * Proposal submissions and discussions * Voting-related inquiries * Governance process clarifications #### Privacy Use this address for: * Privacy-related concerns * Data access requests * GDPR/CCPA inquiries * Questions about our Privacy Policy #### Compliance Use this address for: * Regulatory and compliance inquiries * AML/KYC-related questions * Sanctions and restricted jurisdiction matters * Compliance documentation requests ## Community channels ### Governance forum Join the conversation with the WLFI community on our governance forum: [**governance.worldlibertyfinancial.com**](https://governance.worldlibertyfinancial.com/) The forum is the place to: * Discuss governance proposals * Share ideas with the community * Participate in "temperature check" discussions * Stay updated on protocol developments ### Voting platform Participate in official governance votes: [**vote.worldlibertyfinancial.com**](https://vote.worldlibertyfinancial.com/) ## Before you contact us To help us assist you more efficiently, please: 1. **Check the FAQ**: Many common questions are answered in our [FAQ section](/resources/faq) 2. **Search the docs**: Browse our documentation for guides and tutorials 3. **Include details**: When reporting issues, include: * Your wallet address (if applicable) * Transaction hash (if applicable) * Screenshots of any error messages * Steps to reproduce the issue ## Security concerns If you've discovered a security vulnerability, please report it responsibly: * **Do not** disclose the vulnerability publicly * Email with "SECURITY" in the subject line * Provide as much detail as possible about the vulnerability We take security seriously and appreciate responsible disclosure. # Privacy Policy {% hint style="info" %} **Last Updated:** March 3, 2026 {% endhint %} *** This Privacy Notice ("Notice") explains how World Liberty Financial LLC, a Florida limited liability company (collectively, "World Liberty," "we," "us") collects and uses your Personal Information and how we keep it secure. By accessing or using our various websites and services including this website (collectively the "Website"), you agree to the terms of this Notice and all of the terms incorporated herein by reference. Any privacy-related questions or complaints should be directed to . By using the Website and/or submitting or collecting any Personal Information via the Website, you accept and expressly consent and agree to our practices surrounding the collection, use, and sharing of your Personal Information in accordance with this Privacy Notice. {% hint style="warning" %} **IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY NOTICE, WE RECOMMEND YOU NOT ACCESS OUR WEBSITE.** {% endhint %} Depending on how you interact with us and where you are located, we may process Personal Information from or about you. "Personal Information" for purposes of this Notice means by way of example and not of limitation such information as your name, address, e-mail address, or telephone number. To the extent applicable, we will process Personal Information consistent with applicable privacy laws including but not limited to the California Consumer Privacy Act (as amended "CCPA"), the EU General Data Protection Regulation ("GDPR"), the UK General Data Protection Regulation ("UK GDPR"), and the Canadian Personal Information Protection and Electronic Documents Act ("PIPEDA"). {% hint style="info" %} **Please review this Notice carefully to understand what we do in regards to your Personal Information and:** * If you are a California resident, please review **Additional Disclosures for California Residents** for additional disclosures, our notice at collection and a description of your rights under the CCPA. * If your Personal Information is subject to the GDPR or UK GDPR, please review **Additional Disclosures for Data Subjects in the European Economic Area and the United Kingdom**. {% endhint %} *** ## 1. Information Collection ### A. Information You Provide We may collect the following Personal Information about you when you use the Website or through our services: | Type | Description | | ------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Correspondence and Content** | Within any messages you send to us (such as feedback and questions to information support), we may collect your name, email address, wallet address, and other contact information you provide to us as well as any other content included in the message. | | **Other Information** | You may choose to voluntarily provide other Personal Information to us that we have not solicited from you and in such instances, you are solely responsible for such information. | ### B. Information Collected Automatically We may collect the following Personal Information automatically through your interactions with our Website: | Type | Description | | ---------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Wallet Address** | We may collect the wallet address you use to connect to the Website to block wallets that are associated with certain legally prohibited conduct from the Website. Separately, we may collect your wallet address as part of "Usage Information" (as described below) to improve the Website and user experience of the Website. | | **Device Information** | We may collect information about the device you use to access the Website such as the device type, operating system, browser type, and screen height and width. This information helps us optimize the Website for different devices and troubleshoot any technical issues. | | **Usage Information** | We may collect information about how you use the Website including your wallet address, the time you access the Website, pages you visit, the features and assets you interact with, the links you click, and the search queries you make. By analyzing this data, we gain a deeper understanding of user behavior which in turn allows us to make continuous improvements to the Website and enhance the overall user experience. | {% hint style="info" %} We may collect this information through cookies and similar tracking technologies. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our **Cookies Policy** below. {% endhint %} ### C. Information Collected from Other Sources Our service providers or other third parties that we partner with may collect certain Personal Information from or about you, including certain identifiers (e.g., driver's license number or passport number), names, and requests. Depending on how you interact with us, we may receive some of this information. *** ## 2. Use of Information We may collect and use Personal Information for business purposes in accordance with the practices described in this Notice. Our business purposes for collecting and using information include: | Purpose | Description | | ---------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Provide Our Services and Communicate with You** | We use the Personal Information we have about you to provide our services and communicate with you, including responding to inquiries and providing notices. | | **Operating and managing the Website (including through authorized service providers).** | To make the site available to you and perform Website actions requested by you such as responding to your comments, questions, and requests and providing information support; sending you technical notices, updates, security alerts, information regarding changes to our policies and support administrative messages; detecting, preventing, and addressing fraud, breach of terms, and threats or harm; and compliance with legal and regulatory requirements. | | **Improving the Website** | To continually improve the Website and fulfill any other legitimate business purpose as permitted under applicable laws. | | **Merger or Acquisition** | In connection with or during negotiations of any proposed or actual merger, purchase, sale, or any other type of acquisition, financing, reorganization, or business combination. | | **Security and Compliance with Laws** | As we believe necessary or appropriate to operate and maintain the security or integrity of the Website, investigate possible wrongdoing, enforce our terms, and comply with applicable laws and legal processes. | | **Facilitating Requests** | To comply with your requests or directions. | {% hint style="info" %} Notwithstanding the above, we may use information that does not identify you (including information that has been aggregated or de-identified) for any purpose except as prohibited by applicable law. {% endhint %} *** ## 3. Sharing and Disclosure of Information We may share or disclose information that we collect in accordance with the practices described in this Notice and for the purposes set out in the "Use of Information" section above. The categories of parties with whom we may share information include: | Category | Description | | ------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Affiliates** | We share Personal Information with our affiliates and related entities, including where they act as our service providers or for their own internal purposes. | | **Professional Advisors** | We share Personal Information with our professional advisors for purposes of audits and compliance with our legal obligations. | | **Service Providers** | We share Personal Information with third-party service providers for business purposes including fraud detection and prevention, security threat detection, data analytics, information technology and storage, and blockchain transaction monitoring. Any Personal Information shared with such service providers is subject to the terms of this Notice. All service providers that we engage with are restricted to only utilizing the information on our behalf and in accordance with our instructions. | Notwithstanding the above, we may share information that does not identify you (including information that has been aggregated or de-identified) except as prohibited by applicable law. *** ## 4. Third-Party Websites We may also integrate technologies operated or controlled by other parties into parts of the Website. For example, the Website may include links that hyperlink to websites, platforms, and other interfaces or services not operated or controlled by us. {% hint style="warning" %} Please note that when you interact with other parties, including when you leave the Website, those parties may independently collect information about you and solicit information from you. The information collected and stored by those parties remains subject to their own policies and practices, including what information they share with us, your rights and choices on their website and devices, and whether they store information in the U.S. or elsewhere. {% endhint %} We encourage you to familiarize yourself with and consult their privacy policies and terms of use. For example, by using a third-party wallet to engage in transactions on public blockchains, your interactions with any third-party wallet provider are governed by the applicable terms of service and privacy policy of that wallet provider. *** ## 5. Cookies Policy We may use cookies and similar technologies on our Website to improve the functionality, security, and performance of our Website. This Cookie Policy explains what cookies are, how we use them, and how you can manage your preferences. ### A. What is a cookie? A cookie is a small text file that is placed on your hard drive by a web page server. Cookies contain information that can later be read by a web server in the domain that issued the cookie to you. Some of the cookies will only be used if you use certain features or select certain preferences, and some cookies will always be used. You can find out more about each cookie by viewing "What types of cookies do we use" below. We update this list periodically, so there may be additional cookies that are not yet listed. ### B. Why would we use cookies? We use cookies and other similar identifiers only to compile aggregate data about Website traffic and site interaction to offer better user experiences and tools in the future. ### C. What types of cookies do we use? {% tabs %} {% tab title="Strictly Necessary" %} These cookies are essential for the Website to function properly and enable basic features such as page navigation and access to secure areas of the site. {% endtab %} {% tab title="Analytical/Performance" %} These cookies allow us to analyze how visitors use the Website, which helps us improve its functionality and performance. {% endtab %} {% tab title="Functional" %} These cookies enable enhanced functionality and personalization of the Website. They may remember your preferences, such as the wallet you previously used to connect. {% endtab %} {% tab title="Session Replay" %} We may use cookies, which may be provided by our vendors, for purposes of session replay. These cookies record your interactions with our Website, including mouse movements, text, and other information, associated with your visit to our Website. This information is used to help us improve our website and better provide you with information you are interested in when you visit our website. They may be set by us or by third party providers whose services we have added to our pages. This information is used to help us improve our Website and better provide you with information you are interested in when you visit our Website. {% endtab %} {% endtabs %} ### D. How to disable cookies? You can manage the use of cookies through functionality built into your web browser or as provided on the Website, including through our cookie management system. Although you are not required to accept the Website's cookies, if you block or reject them, you may not have access to all features available through the Website. {% hint style="info" %} If you want to learn more about cookies or how to control, disable, or delete them, please visit for detailed guidance. {% endhint %} ### E. "Do Not Track" (DNT) and Universal Opt-Out Preference Signals Some web browsers (including Safari, Internet Explorer, Firefox, and Chrome) incorporate a "Do Not Track" (DNT) or similar feature that signals to web services that a visitor does not want to have their online activity and behavior tracked. If a web service operator elects to respond to a particular DNT signal, the web service operator may refrain from collecting certain Personal Information about the browser's user. Not all browsers offer a DNT option, and there is currently no industry consensus as to what constitutes a DNT signal. World Liberty supports DNT signals received from web browsers. For more information about DNT signals, visit [http://allaboutdnt.com](http://allaboutdnt.com/). New standards are being developed for a Universal Opt-Out Mechanism, such as the Global Privacy Control (GPC), which allows users with GPC-enabled browsers and devices to send a signal that will communicate the user's request to opt-out of sales of their Personal Information and to opt-out of certain sharing of their Personal Information. If we detect and recognize such a signal from your device or browser, we will honor it. *** ## 6. Analytics We may use third-party analytics platforms such as Google Analytics to track user interactions, preferences, and behavior during browsing sessions for users who have opted in for analytics. This data helps us improve our Website and analyze trends in our user base. {% hint style="info" %} **Google Analytics** For more information on how Google Analytics collects and processes data, please see [www.google.com/policies/privacy/partners/](https://www.google.com/policies/privacy/partners/). You can prevent the use of Google Analytics relating to your use of our website through this browser plug-in provided by Google: {% endhint %} *** ## 7. Data Security We implement and maintain reasonable administrative, physical, and technical security safeguards to help protect information about you from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. {% hint style="warning" %} Nevertheless, transmission via the Internet is not completely secure, and we cannot guarantee the security of information about you. {% endhint %} *** ## 8. Data Retention We retain information we collect as long as it is necessary to fulfill the purpose for which it was collected as outlined in this Notice and to the extent permitted by applicable legal requirements. Where you request the deletion of your information, we may continue to retain and use your information as permitted or required under applicable laws for legal, tax, or regulatory reasons or legitimate and lawful business purposes. *** ## 9. Your Rights Depending on where you are located, you may have the following rights related to the processing of your Personal Information: | Right | Description | | ----------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Request access to your Personal Information** | A "Data Subject Access Request" enables you to receive a copy of the Personal Information we hold about you and to check that we are lawfully processing it. | | **Request correction of the Personal Information that we hold about you** | This enables you to have any incomplete or inaccurate Personal Information we hold about you corrected, although we may need to verify the accuracy of the new data you provide to us. | | **Request erasure / deletion / removal of your Personal Information** | This enables you to ask us to delete or remove your Personal Information where we do not have a valid reason to continue to process it. You also have the right to ask us to delete or remove your Personal Information where you have successfully exercised your right to object to processing, where we may have processed your information unlawfully, or where we are required to erase your Personal Information to comply with local law. | | **Object to processing of your Personal Information where we are relying on a legitimate interest (or those of a 3rd Party)** | You may choose to exercise this right if there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms. | | **Object to sharing of your Personal Information** | You may have the right to limit the sharing of Personal Information, particularly for marketing purposes depending on where you live and the type of Personal Information in question. | | **Request restriction of processing of your Personal Information** |

This enables you to ask us to suspend the processing of your Personal Information in the following scenarios:

  • If you want us to establish the data's accuracy;
  • Where our use of the data is unlawful but you do not want us to erase it;
  • Where you need us to hold the data even if we no longer require it as you need it to establish, exercise, or defend legal claims;
  • You want us to restrict the use of any "sensitive data" (as defined under applicable law); or
  • You have objected to our use of your Personal Information, but we need to verify whether we have overriding legitimate grounds to process it.
| | **Data Portability / Request the transfer of your Personal Information to you or directly to another controller** | We will (unless there is an exemption) assist you by securely transferring your Personal Information directly to another controller where technically feasible or by providing you with a copy in a structured, commonly used, machine-readable format. | {% hint style="info" %} **How to Exercise Your Rights** To exercise any of these rights, please submit a request by emailing us at and include "Data Subject Rights Request" in the subject line. In the request, please specify which right you are seeking to exercise and the scope of the request. We may require specific information from you to help us verify your identity and process your request. If we are unable to verify your identity, we may deny your requests to know or delete. {% endhint %} *** ## 10. International Transfers Please be aware that information collected through the Website may be transferred to, processed, stored, and used in the European Economic Area, the United Kingdom, and other jurisdictions. Data protection laws in the EU and other jurisdictions may be different from those of your country of residence. Your use of the Website or provision of any information therefore constitutes your consent to the transfer to and from, processing, usage, sharing, and storage of information about you in the EU and other jurisdictions as set out in this Notice. {% hint style="info" %} Where applicable, we will transfer your Personal Information to third parties subject to appropriate or suitable safeguards such as standard contractual clauses. {% endhint %} *** ## 11. Children The Website is intended for general audiences and are not directed at children. To use the Website, you must legally be able to enter into the Agreement. {% hint style="warning" %} **COPPA Compliance** We do not knowingly collect Personal Information (as defined by the U.S. Children's Privacy Protection Act or "COPPA") from children. If you are a parent or guardian and believe we have collected Personal Information in violation of COPPA, please contact us at and we will remove the Personal Information in accordance with COPPA. {% endhint %} *** ## 12. Additional Disclosures for California Residents To the extent applicable, the CCPA poses certain obligations on us and grants certain rights to California residents ("California Resident," "you" or "your") with regard to Personal Information. If you are a California Resident, please review the following information about your potential rights with regard to your Personal Information under the CCPA. {% hint style="warning" %} The rights described herein are subject to exemptions and other limitations under applicable law. {% endhint %} ### A. Notice of Collection For further details on the information we may collect, including the sources from which we receive information, review the "Information Collection" section above. Depending on how you interact with us, we may collect and use these categories of Personal Information for the business purposes described in the "Use of Information" section above, including to manage the Website. {% hint style="success" %} We do not "sell" or "share" Personal Information as defined under the CCPA, if applicable. {% endhint %} Please review the "Sharing and Disclosure of Information" section above for further details about the categories of parties with whom we share information. We retain your Personal Information as described above in Data Retention. ### B. Our Collection, Use, and Disclosure of Personal Information In the preceding 12 months, depending on how you interact with us, we may have collected and disclosed for a business purpose the following categories of Personal Information to the following categories of third parties: | Category | Examples | Collected? | Categories of Recipients | | --------------------------------------------------------------------------------- | ----------------------------------------------------------- | ---------- | -------------------------------------------------------- | | **Identifiers** | Wallet address, IP address, device ID | Yes | Analytics service providers, Technical service providers | | Personal information categories listed in the California Customer Records statute | Name, email address (from contact form submissions) | Yes | Analytics service providers, Technical service providers | | Internet or other similar network activity | Page views, clicks, session data, interaction with services | Yes | Analytics service providers, Technical service providers | | **Geolocation Data** | Approximate location (city/region) inferred from IP address | Yes | Analytics service providers, Technical service providers | In addition, we may disclose and in the preceding 12 months, may have disclosed all of the categories of Personal Information identified above in the section "Information Collection" to the following categories of third parties: (i) judicial courts, regulators, or other government agents purporting to have jurisdiction over us, our subsidiaries or our affiliates, or opposing counsel and parties to litigation; and (ii) other third parties as may otherwise be permitted by law. We may disclose personal information to all of the third parties listed above to comply with our legal obligations or for the business or commercial purposes identified above in "Use of Information". We may disclose your Personal Information to our service providers such as IT providers, or email providers, other entities that have agreed to limitations on the use of your personal information, or entities that fit within other exemptions or exceptions in or as otherwise permitted by the CCPA. We also may disclose Personal Information to a third party at your request or direction or with your consent. ### C. Use and Disclosure of Sensitive Personal Information Certain Personal Information that we may collect and process may be considered "sensitive personal information" under the CCPA. The CCPA requires that we provide you with a right to limit our use or disclosure of such sensitive personal information in certain circumstances. {% hint style="info" %} Currently, we are not using or disclosing your sensitive personal information for purposes that would require that we provide you with a right to limit. {% endhint %} ### D. Your Rights Under the CCPA If you are a California resident, you may have the following rights under the CCPA in relation to Personal Information we have collected about from or about you to the extent required by the CCPA: * **Right to be Informed.** You have the right to be informed, at or before the point of collection, of the categories of Personal Information to be collected and the purposes for which the categories of Personal Information shall be used. * **Right to Know/Access:** You have the right to request certain information about our collection and use of Personal Information about you as described below: * The specific pieces of your Personal Information collected. * The categories of your Personal Information collected. * The categories of sources from whom your Personal Information is collected. * The purpose for collecting your Personal Information. * The categories of third parties with whom we have shared your Personal Information. * **Right to Delete:** You have the right to request that we delete certain Personal Information we have about you. * **Freedom from Discrimination:** You have a right of non-discrimination for the exercise of any of your privacy rights guaranteed by law such as the right to access, delete, or opt- out of the sale of your Personal Information. * **Right to Correct:** You have the right to request that we correct inaccurate Personal Information regarding the information you provide us. * **Right to Restrict the Use of Sensitive Personal Information:** You have the right to restrict the use of your sensitive Personal Information. * **Right to Access Information on Automated Decision-Making:** You have the right to access information collected through automated decision-making. Additionally, you can opt-out of our use of automated decision-making related to your Personal Information. * **Opt-Out of Sale.** Request that we do not "sell" (as that term is defined in the CCPA) your Personal Information (we do not). * **Opt-Out of Sharing.** Request to opt-out of the "sharing" (as that term is defined in the CCPA) of your Personal Information (we do not). * **Limit Use and Disclosure of Sensitive Personal Information.** Request to limit the use and disclosure of sensitive personal information where required by the CCPA (we are not currently using sensitive personal information for purposes that would require we provide you with such a right to limit). {% hint style="info" %} The CCPA does not restrict our ability to do certain things like comply with other laws or comply with regulatory investigations. We also reserve the right to retain, and not to delete, certain Personal Information after receipt of a Request to Delete from you where permitted by the CCPA or another law or regulation. {% endhint %} ### E. How to Exercise Your Rights Under the CCPA You can submit a Request to Know, Request to Correct, or Request to Delete ("Consumer Rights Request") or to access this notice in an alternative format, please submit a request using any of the methods: {% hint style="info" %} **Contact Methods** * Email: * Form: {% endhint %} We are only required to respond to verifiable Consumer Rights Requests made by you or your legally authorized agent. When you submit a Consumer Rights Request, we may ask that you provide clarifying or identifying information to verify your request. Such information may include, at a minimum, depending on the sensitivity of the information you are requesting and the type of request you are making, your name and email address. Any information gathered as part of the verification process will be used for verification purposes only. You are permitted to designate an authorized agent to submit a Consumer Rights Request on your behalf and have that authorized agent submit the request through the aforementioned methods. In order to be able to act, authorized agents have to submit proof that they are authorized to act on your behalf or have a power of attorney. ### F. Shine the Light Customers who are residents of California may request: * A list of the categories of Personal Information disclosed by us to third parties during the immediately preceding calendar year for those third parties' own direct marketing purposes * A list of the categories of third parties to whom we disclosed such information To exercise a request, please write to us at the email or postal address set out in the "Contact Us" section above and specify that you are making a "California Shine the Light Request." We may require additional information from you to allow us to verify your identity and are only required to respond to requests once per calendar year. *** ## 13. Additional Disclosures for Data Subjects in the European Economic Area and the United Kingdom ### A. Roles The GDPR and UK GDPR distinguish between organizations that process Personal Information for their own purposes (known as "controllers") and organizations that process Personal Information on behalf of other organizations (known as "processors"). {% hint style="info" %} **We act as a controller** with respect to Personal Information collected as you interact with the Website. {% endhint %} ### B. Lawful Basis for Processing The GDPR requires a "lawful basis" for processing Personal Information. Our lawful bases include where: | Lawful Basis | Description | | ------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Consent** | You have given consent to the processing of your Personal Information for one or more specific purposes either to us or to our service providers or partners. | | **Contractual Necessity** | Processing your Personal Information is necessary for the performance of a contract between you and us. | | **Legal Obligation** | Processing your Personal Information is necessary for compliance with a legal obligation. | | **Legitimate Interests** | Processing your Personal Information is necessary for the purposes of the legitimate interests pursued by us or a third party provided that your interests and fundamental rights and freedoms do not override those interests. | *** ## 14. How to Contact Us {% hint style="info" %} **Contact Information** Please contact with any questions about this notice or our data privacy and data protection practices. {% endhint %} # California Privacy Notice {% hint style="info" %} **For California Residents** This page provides information about your privacy rights under the California Consumer Privacy Act (CCPA). {% endhint %} *** ## Your California Privacy Rights If you are a California resident, you have specific rights regarding your Personal Information under the CCPA. We have detailed all of your rights and our practices in our [Privacy Policy](https://docs.worldlibertyfinancial.com/legal/pages/kjHvapC2vtstaoVy3Xrg#id-12.-additional-disclosures-for-california-residents) # Terms of Service {% hint style="info" %} **Last Updated:** March 03, 2026 {% endhint %} {% hint style="warning" %} **IMPORTANT NOTICE** EXCEPT AS SET FORTH HEREIN, ANY AND ALL DISPUTES BETWEEN YOU AND THE COMPANY SHALL BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION IN ACCORDANCE WITH SECTION 9 OF THESE TERMS. BY AGREEING TO THESE TERMS, YOU WAIVE YOUR RIGHTS TO RESOLVE DISPUTES IN A COURT OF LAW BY A JUDGE OR JURY AND TO PROCEED AGAINST THE COMPANY ON A CLASS OR REPRESENTATIVE BASIS. {% endhint %} {% hint style="info" %} **Arbitration Clause and Class Action Waiver** Please note that these Terms contain an arbitration clause and class action waiver. By agreeing to these Terms, you agree to resolve all disputes, except as otherwise set forth in Section 9, through binding individual arbitration, which means that you waive any right to have the dispute decided by a judge or jury, and you waive any right to participate in a class action. {% endhint %} These Terms of Service (the "Terms") explain the terms and conditions by which you may access and use any products or services provided by World Liberty Financial LLC, a Florida limited liability company, and its affiliates and subsidiaries (referred to herein as "WLFI," "we," "our," or "us"). The products and services shall include, but shall not necessarily be limited to, (a) a website-hosted user interface located at [www.worldlibertyfinancial.com](http://www.worldlibertyfinancial.com), and any websites owned, published, or posted by WLFI (the "Services"), (b) any mobile software application-hosted user interface, including all variations thereof for the iOS and Android operating systems, published by WLFI (the "App" and together with the Services, the "Interface"), (c) any other products and services that link to the Interface (collectively, the "Products" ). You must read these Terms carefully as they govern your use of the Products. By accessing or using any of the Products, you signify that you have read, understand, and agree to be bound by these Terms in their entirety. If you do not agree, you are not authorized to access or use any of our Products and should not use our Products. *** ## 1. Changes to these Terms of Service We reserve the right, in our sole discretion, to modify these Terms from time to time. If we make any material modifications, we will notify you by updating the date at the top of the Terms and by maintaining a current version of the Terms on [worldlibertyfinancial.com](https://worldlibertyfinancial.com/). You agree that it your responsibility to regularly check this website for updated Terms of Service. All modifications will be effective when they are posted, and your continued accessing or use of any of the Products will serve as confirmation of your acceptance of those modifications. If you do not agree with any modifications to these Terms, you must immediately stop accessing and using all of our Products. We reserve the following rights, which do not constitute obligations of ours, with or without notice to you, (a) to modify, substitute, eliminate or add to any of the Products; (b) to review, modify, filter, disable, delete and remove any and all content and information from any of the Products. We will not be liable if for any reason all or any part of the Products are unavailable at any time or for any period. From time to time, we may restrict user access in certain jurisdictions or globally, to some parts or the entire part of the Interface. *** ## 2. Use of the Products #### **2.1 The Interface and Relationship to Third Party Service Providers** The Interface is for informational purposes only. The Interface provides a web or mobile-based means of access to decentralized protocols on various public blockchains or other independent third-party digital- asset protocols, third-party services, third-party service providers, third-party applications, third-party sites, third-party technology, and third-party APIs ("Third-Party Providers"). The Interface is distinct from those Third-Party Providers and is generally one, but not the exclusive, means of accessing those Third-Party Providers. WLFI does not control or operate any version of Third- Party Providers on any blockchain network. By using the Interface, you understand that you are not buying or selling digital assets from us and that we do not operate any liquidity pools on Dolomite or other Third-Party Provider or control trade execution on those Third-Party Providers. When users pay fees for trades or digital asset transactions, those fees consist of (i) any protocol fees that may be enabled by Dolomite or other Third-Party Provider, and (ii) liquidity provider fees that accrue directly to liquidity providers to Dolomite or other Third-Party Provider. As a general matter, WLFI is not a liquidity provider into Dolomite or other Third-Party Provider liquidity pools and liquidity providers are independent third parties. The Interface is a purely non-custodial application, meaning we do not ever have custody, possession, or control of your digital assets at any time. To access the Interface, you must use a non-custodial wallet software, which allows you to interact with public blockchains. WLFI does not have access to your private keys. You are solely responsible for the custody of the cryptographic private keys to the digital asset wallets you hold and you should never share your wallet credentials or seed phrase with anyone. Your relationship with that non-custodial wallet provider is governed by the applicable terms of service with that third party wallet provider. We do not have possession, custody or control over the contents of your wallet or any digital assets appearing on the Interface and have no ability to retrieve or transfer its contents. By connecting your wallet to our Interface, you agree to be bound by these Terms, all of the terms incorporated herein by reference, and accept all the applicable terms, conditions, and risks that may apply to your use of Third-Party Providers. We accept no responsibility for, or liability to you, in connection with your use of a wallet and make no representations or warranties regarding how any of our Products will operate with any specific wallet. Likewise, you are solely responsible for any associated wallet and we are not liable for any acts or omissions by you in connection with or as a result of your wallet being compromised. Your reliance on any services provided by Third-Party Providers in connection with the Products is governed on one hand by these Terms but, on the other, will also generally be subject to separate terms and conditions set forth by the applicable Third-Party Provider. Those terms and conditions may involve separate fees and charges or may include disclaimers or risk warnings about reliance on or the accuracy of any information. Such terms may also apply a privacy policy different than that which WLFI maintains and incorporates into these Terms. It is your responsibility to understand the terms and conditions of Third-Party Providers, including how those service providers use any of your information under their privacy policies. #### **2.2 Services Provided by Third-Party Providers** WLFI provides the Interface but does not provide the Products provided by Third Party Providers. WLFI does not provide lending or borrowing services or related transaction execution services and does not act as a lender, borrower, broker, custodian, fiduciary, or advisor. WLFI does not hold regulatory licenses to provide digital asset exchange or related services, including the lending or borrowing of digital assets or facilitating these activities. Third Party Providers are not managed or controlled in any way by WLFI. Where WLFI has included links to the websites of Third-Party Providers, it makes no representation as to whether such Third-Party Providers hold any required regulatory licenses or permissions. All lending, borrowing, liquidation, interest, collateral, and settlement activities occur directly with or through those Third-Party Providers and are outside the control of WLFI. WLFI may receive compensation from certain or all of these Third-Party Providers or otherwise. Any references to third parties should not be interpreted as a recommendation, endorsement, or sponsorship by WLFI. The views or materials provided by third parties are for informational purposes only and are not indicative of future results. Any digital asset transactions related to WLFI Markets are conducted directly by the wallet holders with Dolomite Protocol, the digital asset trading protocol, and/or Dolomite.io, a resource for Dolomite Protocol, (collectively, "Dolomite"), a Third-Party Provider, or other Third-Party Provider. You are solely responsible for evaluating the risks of interacting with Dolomite or any other digital asset lending or borrowing arrangement. You understand that borrowing, lending, or otherwise transacting in digital assets involves significant risks, including, without limitation, the potential for complete loss of value, rapid and unforeseen changes in market prices, limited liquidity, and the possibility of automatic liquidation of collateral without notice. Digital asset protocols may rely on smart contracts, oracles, and third-party infrastructure that can fail, be hacked, or behave unpredictably, resulting in irreversible loss. By using Third-Party Providers through the Interface, you expressly agree that you have read, understand, and accept all of the applicable terms, conditions and risks that may apply to your use of those Third-Party Providers. WLFI does not guarantee performance, returns, repayment, protocol solvency, or the accuracy of third-party information, and digital assets accessed through WLFI are not insured by the FDIC, SIPC, or any governmental or other program. WLFI does not provide investment, legal, regulatory, tax, or compliance advice, and you should consult qualified professionals regarding your specific circumstances. WLFI is entitled to receive from integration and marketing fees from Dolomite. You agree to access Third- Party Providers exclusively for business purposes and do not intend to use any borrowing or lending services for personal, family, or household purposes. Access to Dolomite through WLFI Markets and the services of any other Third Party Providers may be restricted, and are not being actively marketed or directed to, certain jurisdictions or to persons in those jurisdictions, including Australia, Canada, China, the European Union, Indonesia, New York and certain other U.S. states, the Philippines, Singapore, and the United Kingdom, or any jurisdiction where such services are not permitted by Applicable Law (the "Jurisdictions"), and should not be acted upon in any way by persons in the Jurisdictions or in circumstances not permitted by Applicable Law. WLFI has also put in place arrangements to block access to the Interface by users from certain jurisdictions, which may be changed from time to time without notice. The issuance, redemption purchase or sale of USD1 is provided by BitGo Trust Company, Inc. and/or by BitGo Technologies LLC ("BitGo"). Additional information about USD1 and BitGo may be found on [worldlibertyfinancial.com](https://worldlibertyfinancial.com/). The WLFI Trade service is a third party service provided solely by Uniswap, a Third-Party Provider, directly between wallet holders and Uniswap. The WLFI Bridge service is a third party service provided solely by Chainlink CCIP, a Third-Party Provider, directly between wallet holders and Chainlink CCIP. By accessing or using services by any Third-Party Provider, you expressly agree that you have read, understand, and accept all the applicable terms, conditions, and risks that may apply to your use of that Third-Party Provider. #### **2.3 Use of Third-Party Services** You agree to comply with all terms, conditions, and policies applicable to any Third-Party Providers integrated with or made available through the Interface. You acknowledge that such Third-Party Providers are owned by their respective licensors and you further agree not to take any action that would violate the applicable licensor's ownership or intellectual property rights in the Third-Party Provider. If you authorize a Third-Party Provider to connect to your wallet and take actions on your behalf, you assume all risks associated with those connections and actions and you are ultimately responsible to us for those connections and actions. You also agree that you will not hold us responsible for, and will indemnify us against any liability arising out of or related to any act or omission of any third-party using your account or wallet credentials whether a developer or otherwise. You, and not WLFI, will be responsible for any and all costs and charges associated with your use of any services provided by Third-Party Providers. WLFI enables access to Third-Party Providers merely as a convenience and the integration or inclusion of such Third-Party Provider does not imply an endorsement or recommendation. Any dealings you have with Third-Party Provider while using our Products are between you and the Third-Party Provider. WLFI will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any Third-Party Provider. Some Third-Party Providers will provide us with access to certain information that you have provided to third parties, including through such services provided by Third-Party Providers, and we will use, store and disclose such information in accordance with our Privacy Policy. WLFI has no control over and is not responsible for such Third-Party Providers or their services, including for the accuracy, availability, reliability, or completeness of information shared by or available through Third-Party Providers, or on the privacy practices of Third-Party Providers. You acknowledge and agree that WLFI is not responsible for the quality, integrity, safety, accuracy, availability, reliability, or legality of any such third-party websites, or resources contained therein, and that WLFI is not responsible or liable for any content, advertising, products, or other material available from such third-party content or services. Further, you acknowledge that WLFI shall not be responsible or liable, directly or indirectly, for any damage, harm, injury, or loss of any kind caused or alleged to be caused by, or in connection with, the use of or reliance upon any content, material, or services available through any third-party content or services. #### **2.4 Rewards** In connection with your historic or current use of one or more of our Products, we or Third-Party Providers may provide you certain incentives, prizes or rewards for completing certain activities ("User Rewards"). Details regarding the criteria for earning a reward will be described by us or applicable Third-Party Providers. Criteria for obtaining a reward is subject to your compliance with applicable terms, certain eligibility requirements, and Applicable Law. We and Third-Party Providers reserve the right to change, modify, discontinue or cancel any rewards programs (including the frequency and criteria for earning such User Rewards), at any time and without notice to you. #### **2.5 Conditions for Accessing or Using the Products** As a precondition to accessing or using the Products, you represent and warrant to WLFI the following: * If you are an individual person, then you are of legal age in the jurisdiction in which you reside, and you have the legal capacity to enter into these Terms and be bound by them. * If you are a legally-created entity, then you must have the legal authority to accept these Terms on that entity's behalf, in which case "you" (except as used in this paragraph) will mean that entity. * You are not a resident, national, or agent of any country of which the United States (including but not limited to the list maintained by the Office of Foreign Assets Control of the U.S. Department of the Treasury), the United Kingdom, or the European Union embargoes goods or imposes similar sanctions (collectively, "Restricted Territories"). * You are not subject to economic or trade sanctions administered or enforced by any governmental authority; or otherwise, you are not a member of any sanctions list or equivalent maintained by the United States government, the United Kingdom government, the European Union, or the United Nations, including without limitation the U.S. Office of Foreign Asset Control ("OFAC") Specifically Designated Nationals and Blocked Person List (collectively, "Sanctions List Person"). * You do intend to, and to the extent practicable, will not transact with any person in Restricted Territories or Sanctions List Person. * Your access is not (a) prohibited by and does not otherwise violate or assist you in violating any applicable statute, rule, regulation, regulatory guideline, order, law, ordinance, or code; the common law and laws of equity; any binding court order, judgment, or decree; any applicable industry code, rule, guideline, policy, or standard enforceable by law (including as a result of participation in a self-regulatory organization); and any official interpretations of any of the foregoing; this includes guidelines passed or issued by any governmental entity or any competent court, including, without limitation, regarding the Bank Secrecy Act and anti-money laundering laws, applicable privacy laws, state money transmission statutes, sanctions laws, unclaimed property laws, the Electronic Fund Transfer Act and its implementing regulations, and any other applicable regulations or operating rules (collectively, "Applicable Law"); or (b) to contribute to or facilitate any illegal activity. * You do not, and will not, use VPN software or any other privacy or anonymization tools or techniques, or other means, to circumvent, or attempt to circumvent, any restrictions that apply. * Any digital assets you use in connection with the Interface are either owned by you or you are validly authorized to carry out actions using such assets. * You possess the requisite financial and technical sophistication to use the Products, such that, without limitation, you understand the inherent risks associated with using (1) financial instruments, such as leverage, margin, debt-financed transactions, collateral, and derivatives, and (2) cryptographic and blockchain-based systems, including that you have a working knowledge of the usage and intricacies of digital assets. In particular, you understand that (i) blockchain-based transactions are irreversible, and (ii) that information obtained via third-party smart contracts, other interfaces and blockchains are subject to various potential flaws, including but not limited to inaccuracies due to delays and varying methods used to synthesize data. As a precondition to accessing or using the Products, you acknowledge, understand, and agree to the following: * From time to time, the Products or access to Third-Party Providers may be inaccessible or inoperable for any reason, including, but not limited to: (a) equipment malfunctions; (b) periodic maintenance procedures or repairs that WLFI or any of its suppliers or contractors may undertake from time to time; (c) causes beyond WLFI's control, whether or not it could reasonably foresee such; (d) disruptions and temporary or permanent unavailability of underlying blockchain infrastructure; or (e) unavailability of third-party service providers or external partners for any reason. * The Products may evolve, which means Third-Party Providers may apply changes, replace, or discontinue (temporarily or permanently) the access at any time in their sole discretion. * The pricing information provided on the Products or on the Interface through Third-Party Provider is not necessarily current to “real time” or accurate to any particular degree, and does not represent an offer, a solicitation of an offer, or any advice. * You are solely responsible for your use of the Products and Third-Party Providers, including all of your transfers of digital assets. * To the fullest not prohibited by Applicable Law, we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, you hereby irrevocably disclaim, waive, and eliminate those duties and liabilities. * You are solely responsible for reporting and paying any taxes applicable to your use of the Products or Third-Party Providers. * We have no control over, or liability for, the delivery, quality, safety, legality, or any other aspect of any digital assets that you may transfer to or from a third party, and we are not responsible for ensuring that an entity with whom you transact completes the transaction or is authorized to do so. If you experience a problem with any transactions in digital assets using the Products or Third-Party Providers, you bear the entire risk. * Blockchain transactions require the payment of transaction fees to the appropriate network ("Gas Fees"). You will be solely responsible to pay the Gas Fees for any transaction that you initiate via any of our Products or use of Third-Party Providers. * We reserve the right to disable or modify access to the Products or access to Third-Party Providers, at our sole discretion, from time to time and with or without prior notice to you, to prohibit, modify, suspend or disable (temporarily or permanently) your access to the Products or access to Third-Party Providers through the Interface, in whole or in part, through any means available to us, for any reason whatsoever, including, without limitation, that you have engaged in any prohibited activity specified or described in these Terms, or violated any other representation, warranty, or obligation agreed by you in these Terms. Upon termination of your access, your right to use the Products will immediately cease. Although in such event the Third-Party Provider may continue to be accessible to you on-chain or through one or more third parties, your obligations hereunder do not then cease, and you hereby agree that all representations, warranties and obligations owed by you under these Terms to WLFI will continue to be so-owed if you are terminated and continue to access the Products, or access Third-Party Providers through the Interface. WLFI will not be liable for any losses suffered by you resulting from any from any prohibition, modification, suspension, or termination, for any reason, of your access to all or any portion of the Products or access to Third-Party Providers. *** ## 3. Risks {% hint style="warning" %} **Risk Warning** The use of technology related to blockchain, smart contracts, and cryptocurrencies, among others, entails a risk that by accessing transactions, you are assuming. WLFI does not own or control any underlying software through which blockchain networks are formed, including Third-Party Providers. The software underlying blockchain networks are open-source so anyone can use, copy, modify, and distribute it. {% endhint %} By using the Products, or accessing Third-Party Providers through the Interface, you acknowledge and agree: * That WLFI is not responsible for the operation of the open-source software and networks underlying the Products or Third-Party Provider and does not own or control the Third-Party Provider. * That there exists no guarantee of the functionality, security, or availability of that software and networks. * That the underlying blockchain network(s) and affiliated third-party apps and services, and Third- Party Providers, are subject to sudden updates, upgrades, or changes in operating rules or conditions, including as those events commonly referred to as “forks,” which may materially affect the Products or access to the Third-Party Providers. * You are responsible for securing your private key(s). We do not have access to your private key(s); losing control of your private key(s) will permanently and irreversibly deny you access to any blockchain-based network. Neither WLFI nor any other person or entity will be able to retrieve or protect your digital assets. If your private key(s) are lost, you will not be able to transfer your digital assets to any blockchain address or wallet. If this occurs, you will not be able to realize any value or utility from the digital assets you may hold. * You further understand that the markets for digital assets are highly volatile due to factors including (but not limited to) speculation, level of adoption, technological change, security, and regulation. You acknowledge and accept that the cost and speed of transacting through blockchain-based systems are variable and may increase dramatically at any time. You further acknowledge and accept the risk that your trading positions and/or digital assets may lose some or all of their value while they are supplied to Third-Party Providers, that you may suffer losses (including a total loss) due to hacks, exploits, the fluctuation of prices or position markings of digital assets or related instruments in a trading pair or liquidity pool, and experience significant price slippage and costs. * Transactions entered into in connection with Third-Party Providers are irreversible and final, and there are no refunds. You acknowledge and agree that you will access and use the Third-Party Providers at your own risk. * We must comply with Applicable Law, which may require us to, upon request by government agencies, take certain actions or provide information that may not be in your best interests. **Additional Risk Disclosures:** {% content-ref url="/pages/k7FBRDEVfpi3uR1lZJCy" %} [WLFI Risk Disclosures](/wlfi-token/wlfi-risk-disclosures) {% endcontent-ref %} {% content-ref url="/pages/JCbfzTqb9JlAor7IJ0a4" %} [USD1 Risk Disclosures](/usd1-token/usd1-risk-disclosures) {% endcontent-ref %} *** ## 4. Intellectual Property We own all intellectual property and other rights in each of our Products and their respective contents, including, but not limited to, software, text, images, trademarks, service marks, copyrights, patents, and designs. Subject to the terms of these Terms, we grant you a limited, revocable, non-exclusive, non- sublicensable, non-transferable license to access and use our Products solely in accordance with these Terms. You agree that you will not use, modify, distribute, tamper with, reverse engineer, disassemble or decompile any of our Products for any purpose other than as expressly permitted pursuant to these Terms. Except as set forth in these Terms, we grant you no rights to any of our Products, including any intellectual property rights. {% hint style="info" %} You understand and acknowledge that services provided by Third-Party Providers are not Products and we do not control Third-Party Providers. {% endhint %} By using any of our Products, you grant us a worldwide, non-exclusive, sublicensable, royalty-free license to use, copy, modify, and display any content, including but not limited to text, materials, images, files, communications, comments, feedback, suggestions, ideas, concepts, questions, data, or otherwise, that you post on or through any of our Products for our current and future business purposes, including to provide, promote, and improve the services. You grant to us a non-exclusive, transferable, worldwide, perpetual, irrevocable, fully-paid, royalty-free license, with the right to sublicense, under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon any suggestions or feedback for any purpose. You represent and warrant that you have, or have obtained, all rights, licenses, consents, permissions, power and/or authority necessary to grant the rights granted herein for any material that you list, post, promote, or display on or through any of our Products. You represent and warrant that such content does not contain material subject to copyright, trademark, publicity rights, or other intellectual property rights, unless you have necessary permission or are otherwise legally entitled to post the material and to grant us the license described above, and that the content does not violate any laws. *** ## 5. Privacy {% content-ref url="/pages/kjHvapC2vtstaoVy3Xrg" %} [Privacy Policy](/legal/privacy-policy) {% endcontent-ref %} *** ## 6. Prohibited Activities #### **6.1 Prohibited Activities** You agree that you will not, and you will not attempt to, engage in any of the following categories of prohibited activity in relation to your access and use of the Products: * Activity that seeks to defraud us or any other person or entity, including, but not limited to, providing any false, inaccurate, or misleading information in order to unlawfully obtain the property of another. * Engage in improper or abusive trading practices, including but not limited to (a) any fraudulent act or scheme to defraud, deceive, trick, or mislead; (b) trading ahead of another user of the Products or Third-Party Provider or front-running; (c) fraudulent trading; (d) accommodation trading; (e) wash trading; (f) pre-arranged or non-competitive transactions; (g) cornering; or (h) any activity that violates any Applicable Law, rule, or regulation concerning the integrity of trading markets, including, but not limited to, the manipulative tactics commonly known as “rug pulls” or pumping and dumping. * Activity that violates any Applicable Law, including those concerning the trading of securities or derivatives, including, but not limited to, the unregistered offering of securities and the offering of leveraged and margined commodity products to retail customers in the United States. * Buy, sell, or transfer stolen items, fraudulently obtained items, items taken without authorization, and/or any other illegally obtained items. * Promote or facilitate illegal activities, including but not limited to money laundering, terrorist financing, tax evasion, buying or selling illegal or counterfeit goods. * Use or access the Products for the benefit of an entity or individual subject to economic sanctions in the United States, and other appropriate jurisdictions. * Upload or transmit viruses, worms, Trojan horses, logic bombs, cancelbots, spiders, malware, or any other type of malicious or unauthorized code that will or may be used in any way that will affect the functionality or operation of the Products or the Third-Party Provider. * Activity that involves soliciting information from anyone under the age of 18 or that is otherwise harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, sexually explicit, libelous, invasive of another's privacy, hateful, discriminatory, or otherwise objectionable. * Impersonate another user of the Products or the Third-Party Provider or otherwise misrepresent yourself or your affiliation with a person or entity. * Use the Products in any way that harms WLFI, its service providers, suppliers, affiliates, or any other user of the Products. * Activity that involves sending illegal or impermissible communications such as bulk messaging, auto- messaging, auto-dialing, and the like. * Disguise your location through IP proxying or other methods. * Attempt to gain unauthorized access to the Products, user accounts, computer systems, or networks connected to the Products. * Use any device, software or routine that interferes with the proper working of the Products or otherwise attempt to interfere with the proper working of the Products, including taking any action that, at WLFI's sole discretion, is deemed to impose an unreasonable or disproportionately large load on WLFI's infrastructure or otherwise make excessive traffic demands of the Products. * Activity that seeks to interfere with or compromise the integrity, security, or proper functioning of any computer, server, network, personal device, or other information technology system, including, but not limited to, the deployment of viruses and denial of service attacks. * Activity that infringes on or violates any copyright, trademark, service mark, patent, right of publicity, right of privacy, or other proprietary or intellectual property rights under the law. * Engage or attempt to engage or encourage, induce or assist any third party, or yourself attempt, to engage in any of the activities prohibited under this Section or any other provision of these Terms. #### **6.2 Digital Asset Transactions and Trading** You agree and understand that: (a) all digital asset transactions you access through the Interface are considered unsolicited, which means that they are solely initiated by you; (b) you have not received any investment advice from us in connection with any digital asset transactions; and (c) we do not conduct a suitability review of any trades or digital asset transactions. #### **6.3 No Fiduciary Duties** These Terms are not intended to, and do not, create or impose any fiduciary duties on us. To the fullest extent permitted by law, you acknowledge and agree that we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated. You agree that no joint venture, partnership, employment, agency, special or fiduciary relationship exists between you and WLFI as a result of these Terms or your use of the Products. You further agree that the only duties and obligations that we owe you are those set out expressly in these Terms. #### **6.4 Compliance and Tax Obligations** One or more of our Products may not be available or appropriate for use in your jurisdiction. By accessing or using any of our Products, you agree that you are solely and entirely responsible for compliance with all Applicable Law that may apply to you. Specifically, your use of our Products or Third-Party Providers may result in various tax consequences, such as income or capital gains tax, value-added tax, goods and services tax, or sales tax in certain jurisdictions. It is your responsibility to determine whether taxes apply to any transactions you initiate or receive and, if so, to report and/or remit the correct tax to the appropriate tax authority. *** ## 7. Regulatory Considerations By using the Products or accessing the Third-Party Provider, you understand that WLFI is not registered or licensed by any regulatory agency or authority. No such agency or authority has reviewed or approved the use of the Products or the Third-Party Provider. We are not registered with the U.S. Securities and Exchange Commission as a national securities exchange or in any other capacity. You understand and acknowledge that we do not broker trading orders on your behalf. We also do not facilitate the execution or settlement of your trades, which occur entirely on public distributed blockchains or through Third-Party Providers. As a result, we do not (and cannot) guarantee market best pricing or best execution through our Products or through Third-Party Providers. Any references in the Interface to "best price" does not constitute a representation or warranty about pricing available through such Interface, Third-Party Provider, or elsewhere. We do not operate an exchange platform or offer trade execution or clearing services and have no oversight, involvement, or control concerning your transactions using the Third-Party Provider. All transactions between users of the Third-Party Provider are executed peer-to-peer directly between the users' blockchain addresses through a set of open-source smart contracts which are not controlled by WLFI. *** ## 8. Termination We may terminate these Terms and/or your access to and use of the Interface, in our sole discretion, at any time and without notice to you. Upon any termination, discontinuation or cancellation of these Terms, the Interface or your Account, (i) all rights and/or licenses granted to you under these Terms shall immediately cease and terminate and you shall forthwith cease the use of and/or access to the Interface and content in any way whatsoever; and (ii) notwithstanding the foregoing, the following provisions will survive: Section 4 (Intellectual Property), Section 9 (Dispute Resolution), Section 10 (Governing Law and Venue), Section 11 (Severability), Section 12 (Disclaimer of Warranties), Section 13 (Limitation of Liability), and Section 14 (Miscellaneous). *** ## 9. Dispute Resolution {% hint style="warning" %} **PLEASE READ THIS SECTION CAREFULLY** IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. IT CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER. {% endhint %} ### Binding Individual Arbitration Except for any disputes, claims, controversies, suits, actions, causes of action, demands or proceedings (collectively, "Disputes") in which either party seeks injunctive or other equitable relief for the alleged unlawful use of intellectual property, including, without limitation, copyrights, trademarks, trade names, logos, trade secrets or patents, you and WLFI (i) waive your and WLFI's respective rights to have any and all Disputes between the parties resolved in a court, and (ii) waive your and WLFI's respective rights to a jury trial. Instead, ANY AND ALL DISPUTES BETWEEN YOU AND WLFI MUST BE RESOLVED THROUGH BINDING ARBITRATION (which is the referral of a Dispute to one or more persons charged with reviewing the Dispute and making a final and binding determination to resolve it instead of having the Dispute decided by a judge or jury in court). Disputes subject to this provision include, without limitation, those arising from or related to (a) these Terms or the breach, termination or invalidity thereof; (b) any and all products or services sold, distributed or provided by WLFI; and (c) any and all interactions or transactions between the parties, whether heretofore or hereafter arising. ### No Class Arbitrations, Class Actions, or Representative or Collective Actions {% hint style="warning" %} Any Dispute arising out of or related to these Terms is personal to you and WLFI and will be resolved solely through individual arbitration and will not be brought as a class arbitration, class action or any other type of representative or collective proceeding. {% endhint %} There will be no class arbitration or arbitration in which an individual attempts to resolve a Dispute as a representative of another individual or group of individuals. Further, a Dispute cannot be brought as a class or other type of representative action, whether within or outside of arbitration, or on behalf of any other individual or group of individuals. ### Informal Dispute Resolution The following must occur prior to and as a condition precedent to commencing a formal arbitration under these Terms. Each party will notify the other party in writing of any Dispute within thirty (30) days of the date it arises or becomes known, so that the parties can attempt in good faith to resolve the Dispute informally. Notice to WLFI shall be sent by e-mail to WLFI at . Notice to you shall be by email to the then-current email address registered with WLFI. Your notice must include (i) your name, postal address, email address and telephone number, (ii) a description in reasonable detail of the nature or basis of the Dispute, (iii) the date of any purchase, transaction or interaction at issue, as well as relevant documentation or screen captures if available, and (iv) the specific relief that you are seeking. For a period of sixty (60) days from the date of receipt of notice by the other party, the parties agree to negotiate in good faith and in a timely manner about the Dispute, including through a minimum of one (1) telephonic dispute resolution conference. Dispute resolution conferences shall be individualized such that multiple individuals initiating claims cannot participate in the same conference, absent mutual agreement by the parties. If either party is represented by counsel, that party's counsel may participate in the dispute resolution conference, but the party also must appear at and participate in the conference. The parties agree that any relevant limitations periods and arbitral fee(s) or other deadlines will be tolled during the sixty (60) day informal dispute resolution period. After this sixty (60) day period, the relevant limitations periods and filing fee(s) or deadlines are no longer tolled until filing is effectuated under this Section. If you and WLFI cannot agree how to resolve the Dispute within the informal dispute resolution period and after participating in the mandatory dispute resolution conference, then either you or WLFI may, as appropriate and in accordance with this Section, commence an arbitration proceeding or, to the extent specifically provided for in this Section, file a claim in court. ### Arbitration Process Except as otherwise provided in this Section for disputes concerning the use of intellectual property and those eligible to be heard in small claims court, any and all Disputes between the parties, including without limitation those arising out of or relating to these Terms, or the breach, termination or invalidity thereof, shall be resolved through binding arbitration before the American Arbitration Association ("AAA") under its applicable rules and procedures including, where applicable, its Commercial Arbitration Rules, Consumer Arbitration Rules, and Mass Arbitration Supplementary Rules and their attendant procedures and fee schedules. You can review the AAA's rules and procedures at [www.adr.org/rules](http://www.adr.org/rules), or you can call the AAA at 1-800-778-7879. You or WLFI may initiate arbitration by written notice and compliance with all applicable AAA filing requirements; you may serve your individual demands on WLFI by mail at: 1200 South Pine Island Road Plantation, FL 33324 Email: Absent agreement otherwise by both parties, the place of arbitration shall be Miami, Florida. The language of the arbitration shall be English. The arbitrator(s) shall have experience adjudicating matters involving Internet technology, software applications, financial transactions and, ideally, blockchain technology. The arbitrator will apply substantive law consistent with the Federal Arbitration Act (9 U.S.C. § 1 et seq., "FAA") and applicable statutes of limitations. The arbitrator's award of damages must be consistent with the terms of the "Limitation of Liability" subsection of these Terms as to the types and amounts of Liability” subsection of these Terms as to the types and amounts of damages for which a party may be held liable. IF WE HAVE A DISPUTE ARISING OUT OF OR RELATING TO THE INTERPRETATION OR APPLICATION OF THIS ARBITRATION PROVISION, INCLUDING WITHOUT LIMITATION WHETHER IT IS VALID, CAN BE ENFORCED, OR APPLIES TO OUR DISPUTE, THAT DISPUTE WILL BE RESOLVED IN ARBITRATION. Except as may be required by law, neither a party nor its representatives may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of all parties. To the extent permitted by Applicable Law, the parties shall each be responsible for their own attorneys' fees and costs associated with the arbitration. ### Mass Arbitrations In the event that 25 or more individual claims are filed by the same or coordinated counsel or are otherwise coordinated, counsel for the claimants and counsel for the respondent shall each select five (5) cases (per side) to proceed in individual arbitral proceedings as part of a batching process. Any remaining claims that have complied with the procedures in this Section shall not be filed or deemed filed in arbitration, nor shall any arbitration fees be assessed in connection with those claims, until they are selected to be filed as part of this batching process. At the outset of disputes under this provision, you and WLFI agree to delegate to a Process Arbitrator all matters listed as within the scope of a Process Arbitrator's authority under the AAA Mass Arbitration Supplementary Rules, as well as disagreements concerning the validity, enforceability, and applicability of these terms, and any other matters that the parties mutually agree to delegate. During the batching process, a single arbitrator shall preside over each batch of cases. After decisions have been rendered in the first ten (10) cases, WLFI and all claimants shall engage in a global mediation in an attempt to resolve the remaining cases with the benefit of the decisions in the first batch of cases. If the parties are unable to resolve the remaining cases after the mediation, each side shall select another ten (10) cases (per side) to proceed to individual arbitral proceedings as part of a second batching process. The parties may, but are not required to, agree in writing to modify the number of cases to be included at each stage of the batching process. After decisions have been rendered in this second batch of cases, WLFI and all claimants shall engage in a second global mediation in an attempt to resolve the remaining cases with the benefit of the decisions in the first two (2) batches of cases. If the parties have not resolved the remaining disputes at the close of the second global mediation, WLFI or any individual claimant(s) whose claim has not been adjudicated may elect to opt out of arbitration by providing notice to the other party, and if the claimant or WLFI wishes to proceed with the claim they may file an individual (non-class, non-representative) action in court. If WLFI or any claimant(s) do not opt out, those remaining claims will proceed in arbitration in continued batches of one-hundred (100) claimants per batch (to the extent there are fewer than one-hundred (100) claimants outstanding, a final batch will consist of the remaining claimants). This batching process shall in no way be interpreted as authorizing class or representative arbitration or litigation of any kind. In order to increase the efficiency of the administration and resolution of arbitrations, and if consistent with the relevant rules and procedures, the arbitral tribunal shall: (i) designate a single arbitrator for each batch; (ii) provide for a single filing fee due per side per batch; and (iii) allow joint conferences and joint hearings, and such other coordinated procedures as the arbitrator deems appropriate. The applicable limitations period(s) and filing fee deadlines shall be tolled for each claim subject to this Section from the time that the arbitral filing requirements are satisfied with respect to that claim. A court shall have authority to enforce these mass arbitration provisions and, if necessary, to enjoin a court or arbitral filing in violation thereof. ### Severability of Dispute Resolution; Arbitration The agreement to arbitrate contained in this Section shall continue in full force and effect despite the expiration or termination of these or other related terms. If any term, clause or provision of this Section is held invalid or unenforceable, it will be held to the minimum extent required by law, and all other terms, clauses and provisions of this Section will remain valid and enforceable. Further, the waivers set forth in Section are severable from the other provisions of these Terms and will remain valid and enforceable, except as prohibited by Applicable Law. *** ## 10. Governing Law and Venue These Terms, and all questions concerning the construction, validity, enforcement and interpretation thereof, will be governed by and construed and enforced in accordance with the laws of the State of Delaware, without regard to conflict of law rules or principles (whether of Delaware or any other jurisdiction) that would cause the application of the laws of any other jurisdiction. The arbitration agreement in these Terms is governed by the FAA, including its procedural provisions, in all respects. State arbitration laws do not govern in any respect. The arbitrator will apply substantive law consistent with the FAA and the applicable statute(s) of limitations. Further, you and WLFI each agree that the Terms evidence a transaction involving interstate commerce and will be governed by and construed in accordance with federal law to the fullest extent possible. Any Dispute between the parties arising out of or relating to these Terms that is not subject to arbitration or cannot be heard in small claims court will be resolved and filed only in the courts of Miami, Florida. You hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of these Terms. *** ## 11. Severability If any term, clause, or provision of these Terms is held to be illegal, invalid, void, or unenforceable (in whole or in part), then such term, clause, or provision shall be severable from these Terms without affecting the validity or enforceability of any remaining part of that term, clause, or provision, or any other term, clause, or provision in these Terms, which will remain in full force and effect. Any invalid or unenforceable provisions will be interpreted to affect the intent of the original provisions. If such construction is not possible, the invalid or unenforceable provision will be severed from these Terms, but the rest of these Terms will remain in full force and effect. *** ## 12. Disclaimer of Warranties {% hint style="warning" %} YOU EXPRESSLY AGREE THAT USE OF THE PRODUCTS ARE AT YOUR SOLE RISK. THE PRODUCTS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS ONLY. THE COMPANY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, NON-INFRINGEMENT, TITLE, OPERABILITY, CONDITION, QUIET ENJOYMENT, VALUE, ACCURACY OF DATA, AND SYSTEM INTEGRATION. {% endhint %} *** ## 13. Limitations on Liability {% hint style="warning" %} **LIMITATION OF DAMAGES** TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL THE COMPANY OR ANY OF ITS OFFICERS, EMPLOYEES, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, ACTUAL, TREBLE, PUNITIVE, AND/OR EXEMPLARY DAMAGES (INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUES, GOODWILL, USE OR DATA, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE, COST OF SUBSTITUTE PRODUCTS OR SERVICES, BODILY INJURY, OR DEATH OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATED IN ANY WAY TO YOUR USE OF THE PRODUCTS, REGARDLESS OF WHETHER SUCH DAMAGES ARE UNDER THEORY OF BREACH OF CONTRACT, TORT, NEGLIGENCE, CONTRACT, WARRANTY, STATUTE, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE OR THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING CONTRARY CONTAINED HEREIN, THE COMPANY';S LIABILITY TO YOU ARISING FROM THESE TERMS, THE USE OF OR INABILITY TO USE THE PRODUCTS, WILL AT ALL TIMES BE LIMITED TO THE GREATER OF $5,000 USD OR THE AMOUNT PAID BY YOU TO THE COMPANY FOR ACCESS TO AND USE OF THE PRODUCTS. {% endhint %} YOU RELEASE THE COMPANY AND HOLD IT AND ITS THIRD-PARTY TECHNOLOGY PLATFORM PROVIDER, SUPPLIERS, AND THIRD-PARTY PROVIDERS, AND ANY THIRD-PARTY WHO PROMOTES THE PRODUCTS OR PROVIDES YOU WITH A LINK TO THE PRODUCTS, HARMLESS FROM ANY AND ALL CLAIMS, DEMANDS, AND DAMAGES OF EVERY KIND AND NATURE AS CITED ABOVE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE PRODUCTS. YOU WAIVE THE PROVISION OF ANY STATE OR LOCAL LAW LIMITING OR PROHIBITING A GENERAL RELEASE. YOU EXPRESSLY AGREE THAT YOU ASSUME ALL RISKS IN CONNECTION WITH YOUR ACCESS AND USE OF ANY OF OUR PRODUCTS. YOU FURTHER EXPRESSLY WAIVE AND RELEASE US FROM ANY AND ALL LIABILITY, CLAIMS, CAUSES OF ACTION, OR DAMAGES ARISING FROM OR IN ANY WAY RELATING TO YOUR USE OF ANY OF OUR PRODUCTS. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE THE BENEFITS AND PROTECTIONS OF CALIFORNIA CIVIL CODE § 1542, WHICH PROVIDES: "\[A] GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY." *** ## 14. Miscellaneous These Terms, as well as applicable terms on [worldlibertyfinancial.com](https://worldlibertyfinancial.com/), constitute the entire agreement between you and us relating to your use or access to the Products. We may assign our rights and obligations under these Terms. The Terms, and any rights or obligations under them, are not assignable, transferable or sublicensable by you except with WLFI's prior written consent, but may be assigned or transferred by us without restriction. Any attempted assignment by you without WLFI's prior written consent shall violate these Terms and be void. Our failure to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision. We will not be liable for any delay or failure to perform any obligation under these Terms where the delay or failure results from any cause beyond our reasonable control. Except as otherwise provided in herein, these Terms are intended solely for the benefit of you and us and are not intended to confer third-party beneficiary rights upon any other person or entity. You agree and acknowledge that all agreements, notices, disclosures, and other communications that we provide to you, including these Terms, will be provided in electronic form. # Disclaimer {% hint style="info" %} **Last Updated:** March 3, 2026 {% endhint %} *** ## General No legal, tax, investment, or other advice is provided by World Liberty Financial LLC and its affiliates and subsidiaries (“WLFI”). Please consult your legal, tax and investment professionals for questions about your specific circumstances. Digital assets are subject to several risks, including price volatility. Transacting in digital assets could result in significant losses and may not be suitable for some persons. Digital asset markets and exchanges are not necessarily regulated with the same controls or customer protections available with other forms of financial products and are subject to an evolving regulatory environment. Digital assets do not have legal tender status and are not covered by deposit protection insurance. The past performance of a digital asset is not a guide to future performance, nor is it a reliable indicator of future results or performance. Information is provided for informational purposes only and is not investment advice or a recommendation to buy, sell, hold, stake or otherwise transact in any digital asset. Access to the services described on this website may be restricted by laws and regulations in certain jurisdictions. Applicable legal requirements may prevent certain visitors from being solicited or offered certain services. Please note that the services described on this website are intended to inform eligible customers and do not constitute an offer to transact business with any person in any jurisdiction where such an offer would be considered unlawful. If you choose to access this website, you do so at your own initiative and risk and confirm your understanding that services described herein are only intended to be offered to eligible customers. Any references to third parties should not be interpreted as a recommendation, endorsement, or sponsorship by WLFI. The views or materials provided by third parties are for informational purposes only and are not indicative of future results. Third party applications may be accessed through the website. Third party applications are not offered, managed, or controlled in any way by WLFI. By using third party applications through this website, you expressly agree that you have read, understand, and accept all the applicable terms, conditions and risks that may apply to your use of those third party applications. ## WLFI Markets WLFI does not provide lending or borrowing services or related transaction execution services and does not act as a lender, borrower, broker, custodian, fiduciary, or advisor. WLFI does not hold regulatory licenses to provide digital asset exchange or related services, including the lending or borrowing of digital assets or facilitating these activities. WLFI provides access to (a) a website-hosted user interface located at worldlibertyfinancial.com, and any websites owned, published, or posted by WLFI (the "Services"), (b) any mobile software application-hosted user interface, including all variations thereof for the iOS and Android operating systems, published by WLFI (the "App" and together with the Services, the "Interface"). The Interface provides access to decentralized protocols on various public blockchains or other independent third-party digital-asset protocols, third-party services, third-party service providers, third-party applications, third-party sites, third-party technology, and third-party APIs ("Third-Party Providers"). Third-Party Providers are not managed or controlled in any way by WLFI. Where WLFI has included links to the websites of Third-Party Providers, it makes no representation as to whether such Third-Party Providers hold any required regulatory licenses or permissions. All lending, borrowing, liquidation, interest, collateral, and settlement activities occur directly with or through those Third-Party Providers and are outside the control of WLFI. WLFI may receive compensation from Third-Party Providers or otherwise. Any digital asset transactions related to WLFI Markets are conducted directly by the wallet holders with Dolomite Protocol, the digital asset trading protocol, and/or Dolomite.io, a resource for Dolomite Protocol, (collectively, "Dolomite"), a Third-Party Provider, or other Third-Party Provider. You are solely responsible for evaluating the risks of interacting with Dolomite or any other digital asset lending or borrowing arrangement. You understand that borrowing, lending, or otherwise transacting in digital assets involves significant risks, including, without limitation, the potential for complete loss of value, rapid and unforeseen changes in market prices, limited liquidity, and the possibility of automatic liquidation of collateral without notice. Digital asset protocols may rely on smart contracts, oracles, and third-party infrastructure that can fail, be hacked, or behave unpredictably, resulting in irreversible loss. By using Third-Party Providers through the Interface, you expressly agree that you have read, understand, and accept all of the applicable terms, conditions and risks that may apply to your use of those Third-Party Providers. WLFI does not guarantee performance, returns, repayment, protocol solvency, or the accuracy of third-party information, and digital assets accessed through WLFI are not insured by the FDIC, SIPC, or any governmental or other program. WLFI does not provide investment, legal, regulatory, tax, or compliance advice, and you should consult qualified professionals regarding your specific circumstances. WLFI is entitled to receive from Dolomite an integration and marketing fee from Dolomite. You agree to access Third-Party Providers exclusively for business purposes and do not intend to use any borrowing or lending services for personal, family, or household purposes. Access to Dolomite and any services may be restricted, and are not being actively marketed or directed to, certain jurisdictions or to persons in those jurisdictions, including Australia, Canada, China, the European Union, Indonesia, New York and certain other U.S. states, the Philippines, Singapore, and the United Kingdom, or any jurisdiction where such services are not permitted by Applicable Law (the "Jurisdictions"), and should not be acted upon in any way by persons in the Jurisdictions or in any other jurisdiction or in circumstances not permitted by applicable law. WLFI has also put in place arrangements to block access to the Interface by users from certain jurisdictions, which may be changed from time to time without notice. ## $WLFI Any purchases may have the effect on the market price of tokens and may stabilize, maintain or otherwise affect the market price of the tokens. As a result, the market price of the tokens may be higher than the price that otherwise might exist. From time to time, WLFI, persons engaged by WLFI or its affiliates or others, may purchase or sell tokens but are under no obligation to do so. If any purchases occur in the future, any such activity may be initiated, suspended, modified, or discontinued at any time, with or without notice. No token purchaser, holder or seller should rely on past purchases as an indication of future token purchases. DT Marks DEFI LLC, an entity affiliated with Donald J. Trump and certain of his family members, owns approximately 38% of the equity interests in WLF Holdco LLC, which holds the only membership interest in World Liberty Financial LLC, a Florida limited liability company and developer of the WLF protocol and operates the WLF governance platform. WLF Holdco LLC holds all of the rights to net protocol revenues from the WLF protocol (other than net proceeds from the sale of $WLFI tokens) pursuant to the terms of agreements with World Liberty Financial LLC. None of Donald J. Trump, his family members or any director, officer or employee of Trump Organization or of DT Marks LLC is an officer, director or employee of, WLF Holdco LLC or World Liberty Financial LLC. DT Marks DEFI LLC along with certain family members of Donald J. Trump also holds 22.5 billion $WLFI tokens, and DT Marks DEFI LLC is entitled to receive fees from World Liberty Financial LLC pursuant to a service agreement, equal to 75% of $WLFI token sale proceeds after deduction of agreed reserves, expenses and other amounts. Any references to or quotes or imagery attributed to or associated with Donald J. Trump or his family members should not be construed as an endorsement or representation or warranty with respect to any product or service offering. $WLFI tokens and use of the WLF protocol and governance platform are initially offered and sold solely by World Liberty Financial LLC or its affiliates. WLF Holdco LLC, DT Marks DEFI LLC, World Liberty Financial LLC, the WLF protocol, the WLF governance platform and $WLFI tokens are not political or associated with any political campaign. ## USD1 All reserve assets backing USD1 are held or maintained by BitGo Trust Company, Inc., a South Dakota-chartered trust company ("BitGo Trust"), and/or by BitGo Technologies LLC, a federally registered money services business and state-licensed money transmitter ("BitGo Tech," together with BitGo Trust and their other affiliates, "BitGo"). BitGo issues USD1, and World Liberty Financial LLC, and affiliated entities, own the World Liberty Financial USD1 brand and provide certain services. BitGo processes all initial purchases and redemptions of USD1 and provides related technical infrastructure and services. BitGo and entities affiliated with World Liberty Financial LLC, are entitled to interest earned on the reserve assets backing USD1 pursuant to agreements between these entities. DT Marks SC LLC, an entity affiliated with Donald J. Trump and certain of his family members, has an indirect economic interest through approximately 38% beneficial ownership of an affiliate of World Liberty Financial LLC which is entitled to interest earned on the reserve assets backing USD1 held or maintained by BitGo. Any references to or quotes or imagery attributed to or associated with Donald J. Trump or his family members should not be construed as an endorsement or representation or warranty with respect to any product or service offering. USD1 is being offered by BitGo and World Liberty Financial LLC, and their respective affiliates. USD1 is not political or associated with any political campaign. Additional disclosures can be found at . Access to the services described on this website may be restricted by laws and regulations in certain jurisdictions. Applicable legal requirements may prevent certain visitors from being solicited or offered certain services. Please note that the services described on this website are intended to inform eligible customers and do not constitute an offer to transact business with any person in any jurisdiction where such an offer would be considered unlawful. If you choose to access this website, you do so at your own initiative and risk and confirm your understanding that services described herein are only intended to be offered to eligible customers.