01How to read this list

This list is part of our Terms of Service. It applies to your business, to your customers when you offer them Monerails services, to your cardholders and to the AI agents you connect to Monerails.

It is not exhaustive: our regulated partners, the card networks and the law of each country may impose additional restrictions. An activity that is legal in your country may still be declined if it does not fit our risk policy.

02Illegal activities

Any activity, product or service that is illegal in the country of your business, your customers or the recipients, including:

• selling stolen or illegally obtained goods, or personal data without a legal basis;
• fraud, scams, identity theft and phishing;
• bribery, money laundering and terrorist financing;
• human trafficking, forced labour and any exploitation of children.

03Weapons, ammunition and explosives

• firearms, parts, accessories and ammunition; regulated bladed weapons;
• explosives, fireworks and pyrotechnics;
• dual-use goods and military or surveillance equipment subject to export controls.

04Drugs and regulated products

• narcotics, psychotropic substances and their precursors;
• cannabis and derived products, including CBD where its sale is not authorised in the country concerned;
• drug paraphernalia;
• prescription drugs sold without a prescription, falsified medicines, and supplements marketed with misleading health claims;
• tobacco and vaping products sold in breach of local regulation.

05Adult content and services

• pornography and sexually explicit content, escort and prostitution services;
• any content involving minors or non-consenting people, which is reported to the authorities immediately.

06Unlicensed financial services

Financial activities carried out without the required licence or authorisation, including:

• money transmission, remittances or currency exchange on behalf of third parties;
• unlicensed lending, payday loans, microfinance, factoring and buy-now-pay-later;
• deposit taking, issuing electronic money or payment instruments;
• providing payment services to third parties (sub-merchants or "facilitators") without Monerails’ written approval;
• unlicensed investment advice, portfolio management and investment products.

07Deceptive schemes and unfair practices

• pyramid and Ponzi schemes, and multi-level marketing where earnings depend mainly on recruitment;
• promises of guaranteed returns, passive income or "money doubling";
• online savings circles and crowdfunding without governance or transparency;
• deceptive billing, subscriptions that are hard to cancel, hidden fees;
• aggressive debt collection, or collecting debts for third parties without authorisation.

08Crypto-assets

Crypto-asset exchanges, token offerings (ICOs, IDOs), mixers and anonymisation services, and non-compliant wallets are not accepted.

Crypto-asset transactions are only possible through the conversion rail built into Monerails, in the countries and within the limits shown in the dashboard, and subject to verification.

09Counterfeits and intellectual property

• counterfeit goods, replicas and brand imitations;
• unauthorised sale or distribution of protected content (software, films, music, books, games);
• tools to circumvent technical protection measures, pirate decoder cards or boxes.

10Sanctions and evasion

• any transaction with a person or entity subject to sanctions of the United Nations, the United States (OFAC), the European Union or the United Kingdom;
• any activity linked to a country or territory subject to comprehensive sanctions;
• shell banks and institutions that provide services to them;
• shell companies with no real activity, accounts opened on behalf of an undisclosed third party, and nominees.

11Activities with a high risk of fraud

• resale of event or travel tickets above face value where the law prohibits it;
• unregistered or unlicensed travel and visa agencies;
• credit repair, "lost funds recovery" or debt cancellation services;
• sale of online accounts, reviews, followers or identities;
• sale of fake documents, diplomas or certificates;
• occult or psychic services with promises of results.

12Restricted activities (prior approval)

The following activities may be accepted after an in-depth review, evidence of the required licences and written approval from Monerails and our partners. Specific conditions may apply (limits, reserve, additional controls):

• Gambling and betting. only operators holding a valid licence in every country where they offer their services, with age and location checks.
• Licensed financial services. payment, microfinance and money transfer institutions, and lenders holding their authorisation.
• Alcohol. in line with local rules on sale and minimum age.
• Pharmacies and health products. authorised businesses, on presentation of their licence.
• Fundraising and non-profits. registered organisations, with evidence of how funds are used.
• Travel and events. registered agencies and organisers holding the necessary authorisations.
• Precious metals and stones. with traceability of origin.
• High-volume subscriptions and distance selling. with clear cancellation and refund terms.
• Platforms and marketplaces. that collect or pay out on behalf of third-party sellers.

13Rules for virtual cards

Monerails cards are meant for the business spending of your company, your customers and your AI agents. They may not be used for:

• any activity listed on this page, or prohibited by Visa or Mastercard network rules;
• gambling, betting and buying casino chips;
• buying crypto-assets, gift cards or prepaid instruments for resale;
• cash withdrawals or quasi-cash, or moving funds to other cards or wallets;
• spending in a country or with a merchant subject to sanctions;
• card testing, splitting payments to get around a limit, or use of a card by an unauthorised person.

Cards are subject to limits and may be frozen automatically after repeated declines or unusual use. You remain responsible for the rules you set for each card and each agent.

14Use of the API and AI agents

• do not try to get around limits, verification checks or security measures;
• do not resell or sublicense API access without written approval;
• do not use Monerails or partner data to build a competing service or for prohibited profiling;
• govern AI agents with limits, allowed merchant lists and approval rules, and supervise their spending.

15What happens in case of a breach

If we find, or reasonably suspect, a prohibited activity or an unapproved restricted activity, we may, on our own initiative or at the request of our partners:

• decline or reverse a transaction, freeze cards and suspend payouts;
• hold funds for as long as necessary, within the limits set by law and by our partners;
• suspend or close your account;
• report the activity to our regulated partners and to the competent authorities.

You can ask us whether your activity is accepted before opening an account by describing your business model: compliance@monerails.com.