Legal documentation for Mesh Financial Services Pte Ltd and the MeshFX platform. These documents are being finalised ahead of our public launch. For any enquiries, contact us at hello@meshfx.com.
MeshFX is operated by Mesh Financial Services Pte Ltd, a company incorporated in Singapore (the "Company", "we", "us", or "our"). By accessing or using the MeshFX platform, you agree to be bound by these Terms of Service.
MeshFX provides a multi-currency digital cash platform that enables users to:
All digital currencies issued by MeshFX are backed 1:1 by the corresponding fiat currency or physical commodity held in a segregated trust account.
You must be at least 18 years of age and legally permitted to use financial services in your jurisdiction to create an account. We reserve the right to restrict access in jurisdictions where we do not currently operate.
You are responsible for maintaining the security of your account passphrase. MeshFX does not store your private key. If you lose access to your account, recovery requires your passphrase. We cannot recover accounts on your behalf.
Currency exchange transactions are subject to a flat fee of 0.1% of the exchanged amount. This fee is disclosed to you before you confirm any transaction. No other fees are charged for holding balances or making payments at participating merchants.
All fiat-equivalent balances are held in a segregated trust account at a regulated financial institution. These funds are kept entirely separate from the Company's own operating capital and are not available to the Company's creditors.
To the extent permitted by applicable law, MeshFX shall not be liable for indirect, incidental, or consequential damages arising from your use of the platform. Our total liability for direct damages shall not exceed the value of the transaction giving rise to the claim.
We may update these terms from time to time. We will notify you of material changes via the email address associated with your account. Continued use of the platform after notification constitutes acceptance of the revised terms.
These terms are governed by the laws of Singapore. Any disputes shall be subject to the exclusive jurisdiction of the courts of Singapore.
To operate your account and comply with financial regulations, we collect:
We use the information we collect to operate the platform, comply with applicable law and regulatory requirements, detect and prevent fraud, and communicate with you about your account.
We do not sell your personal data to third parties. We do not use your data for advertising.
Your data is stored on secure servers. Transaction records are stored on MeshChain, an immutable distributed ledger. These records cannot be deleted. We retain account data for the period required by applicable law, typically seven years from account closure.
You have the right to access, correct, or request deletion of your personal data, subject to our legal retention obligations. To exercise these rights, contact us at hello@meshfx.com.
The MeshFX website uses essential cookies only — for session management and theme preference. We do not use tracking or advertising cookies.
Mesh Financial Services Pte Ltd is incorporated in Singapore. We are in the process of obtaining the necessary financial services licences to operate in Singapore and other jurisdictions. Details of our licensing status will be updated here as applications progress.
Nothing on the MeshFX platform constitutes investment advice. MeshFX digital currencies are not investments. They do not appreciate or depreciate in value. They are digital representations of their underlying fiat currency or commodity, held 1:1 in trust.
Mesh Financial Services Pte Ltd is not a bank and does not accept deposits as a bank. Your funds are held in a segregated trust account, not a deposit account, and are not covered by deposit protection schemes unless explicitly stated.
While all MeshFX currencies are designed to be stable and fully backed, digital financial services carry operational risks. You should not hold more funds on the MeshFX platform than you are comfortable having at risk from operational or technical failures.
For legal, compliance, or privacy-related enquiries, write to us at hello@meshfx.com. We aim to respond within two business days.
Mesh Financial Services Pte Ltd
Incorporated in Singapore