Legal, Privacy & Fees
1. Fees
Commission is charged per sale on a sliding scale. Each band applies only to the portion of an order inside it, in the same way income tax brackets work, so a larger order never pays a smaller fee than a smaller one.
| Portion of an order | Commission on that portion |
|---|---|
| First 30 USDG | 10% |
| 30 to 100 | 8% |
| 100 to 200 | 7% |
| 200 to 500 | 6% |
| 500 to 2,000 | 5% |
| 2,000 to 10,000 | 4% |
| Above 10,000 | 2% |
A minimum of 0.50 USDG applies per sale, so that very small orders still cover the cost of processing them. In practice a 100 USDG order pays 8.60, a 500 order pays 33.60, and a 10,000 order pays 428.60.
| Other charges | Amount | Paid by |
|---|---|---|
| Listing a business | 20 USDG, once | the business |
| Activating a receipt | 1.50 USDG, once per receipt | the holder |
| Resale of a receipt | the business's royalty, up to 10%, plus 1% to Spend2Stake | the seller |
| Claiming rewards | nothing beyond the network fee | the holder |
How rates can change
Commission rates are held in a public contract, not in our systems, and the rules about changing them are enforced by that contract rather than by our policy.
- Reductions take effect immediately and reach every listed business at once. No business has to re-list to benefit.
- Increases are capped and delayed. They can never exceed the ceiling written into the contract, must be announced on-chain, and take effect only after 30 days.
- Every business keeps the ceiling it joined on. The maximum rate a business can be charged is recorded on its own contract at deployment and can never be raised afterwards, whatever the published schedule says later.
2. Privacy Notice
What we collect
- Account data: email address, password (stored as a cryptographic hash), display name, country, and account role.
- Business data: business name, category, location, description, links, and the listing information a business chooses to publish. For businesses that request verification, the documents submitted for that purpose.
- Wallet addresses: the blockchain addresses you connect for payments, receipts, and payouts.
- Order data: what was bought, when, the order code, and where applicable a delivery address and contact number.
How we use it
- To operate your account, show your receipts and orders, and let a business fulfil what you bought.
- To send transactional email such as sign-in codes and order notices. We do not sell personal data.
- To calculate the SpenScore, which is a public trust signal built from verification status, delivery record, and reports from other users.
- To meet legal, accounting, and tax obligations.
What is public, and what is never published
Purchases, receipts, activations, reward claims, resales, and the split of every sale are recorded on Robinhood Chain and are permanently visible to anyone. Wallet addresses and amounts are pseudonymous but public, and nobody can delete them, including us.
Moderation records are public
When a listing is suspended or restored, the action and the reason are written to a public audit log that anyone can read. This is deliberate: a listing that disappears without an inspectable reason is worse for everyone than one whose removal can be checked.
Storage and processors
Account and order data are processed and stored with our infrastructure providers, currently Supabase for database and authentication, Netlify for hosting, and Resend for email delivery. Data may be processed outside your country of residence.
Automated systems
The SpenScore and the moderation queue are produced automatically from your activity and from reports by other users. Listings may be automatically flagged for human review, for example where several paid orders pass their stated collection date with no handover recorded. Suspension decisions are made by a person, not by the system.
Your rights
You may request access to, correction of, or deletion of your personal data by contacting us, subject to records we are required to retain. Data already written to the blockchain cannot be deleted by anyone, including us.
3. Terms of Use
What Spend2Stake is
Spend2Stake is an open marketplace. Businesses list what they sell. When you buy something, you receive it from the business, and you also receive an NFT receipt recording the purchase. If you activate that receipt, it earns a share of what that business sells afterwards, for as long as you hold it.
Anyone can list
There is no approval step and no waiting list. A business deploys its own contract, sets its own reward share, and starts selling. We do not vet listings before they appear.
What we do instead is publish what we know: whether a business has been verified, whether its own official channels confirm the listing, what proportion of its paid orders have actually been handed over, and what other buyers have reported. A listing that accumulates enough weighted reports is raised for human review and may be suspended.
Payment is direct and final
What you can do is report the business. Reports are weighted by whether you actually bought from it, and enough of them will suspend the listing. That protects the next buyer. It does not recover what you paid.
This is why the SpenScore and the delivery record are shown on every listing, and why we recommend checking both before spending anything significant, particularly with an unverified business that has no history.
Collection and delivery
Each product states how long the business has to hand it over. For in-person collection, your device produces a signature that the business scans, so an order cannot be recorded as collected without you present. For delivery, the business records a tracking reference.
If a claim period lapses with nothing handed over, the business no longer owes you the goods, and the lapse is counted against its public delivery record. Your receipt continues to earn regardless; those are separate things.
Rewards
- A receipt earns only once activated. Until then its share is distributed to holders who have activated.
- Rewards come from a share of actual sales. They are not fixed, not guaranteed, and go to zero if the business stops selling.
- Unclaimed rewards belong to whoever holds the receipt. If you sell it, they go with it.
- Rewards can be claimed at any time, directly from the contract, with or without this website.
Transfers
Receipts are standard NFTs and can be freely transferred or sold, on this platform or anywhere else. Activation travels with the receipt. Where a business has set a royalty, it is collected on resale through the standard mechanism marketplaces use.
Suspension and restoration
We may suspend a listing where there is evidence of fraud, prohibited goods, impersonation, or a pattern of orders taken and not fulfilled. Suspension hides the listing and stops new sales. It does not delete anything, and it does not affect existing holders: receipts continue to earn and can still be claimed, because a dispute between us and a business is not the fault of people who bought from it.
A suspension can be reversed at any time. Both actions are recorded publicly with a reason.
Stolen receipts
If a receipt is reported stolen, it can be frozen immediately so it cannot be sold on, and after a 72-hour public delay it can be reassigned to its original holder. This power moves the token only. It cannot be used to move funds, and every use of it emits a public event.
Verification
Verification is optional and is requested by the business. It involves checking documents such as a trade licence, incorporation record, and signatory identification. Verification means those documents were checked at a point in time. It is not a guarantee of conduct, solvency, or that any order will be fulfilled.
Prohibited listings
Businesses may not list anything unlawful in their jurisdiction or ours, anything requiring a licence they do not hold, counterfeit goods, or anything misrepresenting what the buyer will receive. Businesses certify that the information they submit is accurate and that the person listing has authority to bind the business.
No advice
Nothing on Spend2Stake is investment, legal, accounting, or tax advice. Figures shown anywhere on this site, including any illustration of what a receipt might earn, are illustrative and are not projections, targets, or promises.
4. Risks
Stated plainly, because these are the things most likely to go wrong.
- You can lose what you spend. Payment is final and we do not hold it. A business that takes your money and disappears cannot be made to return it by us.
- Rewards may be very small or nothing at all. They depend on how much that business sells and on how many other receipts are activated. Both change without notice.
- Anyone can list. Listings are not checked before they appear. Some will be bad.
- Your wallet is your responsibility. If you lose access to it, you lose access to your receipts and any rewards inside them. Nobody can restore it.
- Smart contracts can contain faults. The contracts behind this platform are public and can be read by anyone, and no amount of testing proves the absence of bugs.
- Networks can fail. Robinhood Chain is operated independently of us.
- Verification is not a guarantee. It confirms documents were checked, nothing more.