Terms of Service

By using VTrust Africa ("Platform", "we", "us") you agree to these terms. The Platform lists real assets and sells shares on Stellar. You are responsible for your local laws and for keeping your wallet safe.

1. How the Platform Works

VTrust Africa connects asset owners with investors. Asset owners list real-world assets and choose whole-asset sale or fractional tokenization using Stellar native assets. Investors browse the marketplace and purchase whole assets or shares. Ownership and funding progress are recorded on-chain. Payments use a designated payment token (for example, USDC on Stellar). Material state changes run through Soroban smart contracts or native Stellar operations. The interface triggers and displays those actions.

2. Transaction Executions and Wallet Confirmations

Every action that changes on-chain state (listing an asset, tokenizing, buying shares, withdrawing proceeds, and similar actions) requires one or more transactions. Each transaction must be signed and confirmed in your Stellar wallet. The Platform shows loading and status messages. You must complete the matching wallet prompts for the action to succeed.

2.1 Buying shares: trustlines and purchases

On Stellar, you must explicitly trust an asset before you can receive it. This is handled with a trustline. The typical flow is:

1. Establish trustline. Before your first purchase of a specific asset, you will be prompted to add a trustline for that asset in your wallet. This is a one-time setup for each unique asset.
2. Confirm purchase. Once a trustline is established, you can execute purchases in a single transaction. The contract transfers your payment token and assigns fractional shares to your Stellar account.

Do not close the app or reject a prompt midway. The transaction must complete for the purchase to succeed. If the transaction fails or is rejected, the purchase will not go through and you can try again.

2.2 Other actions

Listing an asset, tokenizing, and withdrawing proceeds each require one or more wallet confirmations as shown in the app. Wait for in-app success messages and check a block explorer (for example, Stellar Expert) to confirm transactions were included in the ledger.

3. In-app communications

The Platform shows notifications and messages to guide you through each step:

• Loading means a transaction is in progress on the Stellar ledger. Complete the matching wallet prompt and wait for the next message.
• Success means that step completed. Proceed to the next step if prompted.
• Errors. If a transaction fails (for example, insufficient XLM for fees or a missing trustline), an error message will be shown. You can retry after fixing the issue.

These messages are for guidance only. On-chain confirmation through a block explorer is the source of truth for whether a transaction succeeded.

4. Risks and disclaimers

Soroban smart contracts and Stellar transactions carry risk. You use the Platform at your own risk. We do not guarantee availability, accuracy of off-chain data, or that any asset or token will retain value. You are solely responsible for your wallet, keys, and compliance with applicable law. Nothing here is financial, legal, or tax advice.

5. Changes

We may update these terms to reflect protocol upgrades or network changes. Continued use after changes constitutes acceptance.

6. Contact

For questions about these terms or the Platform, see our Support page.