Beta Terms of Use

Smart XLM Market project features currently operate in a testing environment. Simulated positions and promotional records are separate from the USDT deposit ledger. Testing resets do not authorize deletion of verified USDT deposit records or earned USDT rewards.

1. Account XLM and reference projects

Dashboard XLM is an off-chain platform credit, not custody of Stellar cryptocurrency. Available account credits, including existing account balances, may be requested for manual USDT settlement at the platform rate shown in Withdraw (currently 0.18 USDT per XLM). BDT display uses ৳128 per USDT. The saved rate and USDT amount are fixed for each request. This is an operator payout obligation, not an on-chain XLM transfer or Stellar market-price guarantee.

The requested XLM is immediately held and cannot also be allocated to a level. A successful manual payment settles it once; rejection restores it. Only one active account XLM request is allowed, with up to ten new requests per 24 hours. An administrator reserves the request, sends USDT externally to the submitted Binance UID, and records a unique successful order ID. Recording approval does not send money. Administrators cannot approve their own payouts. Historical test-credit grants remain in the ledger; new test-credit minting is disabled.

Project positions lock account credits until released. Listed companies and units are reference information, not company shares or ownership rights. Fixed cycle profit is credited once to available account XLM when the saved cycle ends. Level 1: 1 day / 2.2%; Level 2: 3 days / 7.1%; Level 3: 5 days / 12.1%; Level 4: 7 days / 16.6%; Level 5: 12 days / 28.2%. The principal and rate are fixed per purchase, with profit rounded down to seven XLM decimals. New purchases use these rates; existing purchases retain their saved principal, rate and cycle profit. The background worker checks every minute; account refresh also processes due credits. Release returns the original principal without paying the same profit again. A new purchase is required to reinvest. There is no automatic price increase or renewal. These credits are operator obligations, not returns from the named reference companies.

Withdrawal transaction fee

Every new account XLM withdrawal and spin-reward payout request has a 10% platform withdrawal fee. Before submission, the form shows the gross USDT equivalent, fee and net USDT to receive. For example, 100 USDT gross means a 10 USDT fee and 90 USDT net. Net USDT is rounded down to six decimals. The full gross XLM amount is held once; the administrator sends only the saved net amount. No second fee is deducted on approval or payment. Pending requests can be cancelled before administrator reservation. Cancellation or rejection restores the entire held XLM, including the fee portion, or leaves the full unpaid spin reward available. Processing requests cannot be cancelled by the member. A corrected or new request receives its own saved fee quote. Previously saved requests keep their original quote.

Payment processing times

New deposits require at least 15 USDT received after network fees; requests below the displayed minimum are not accepted. Deposit credit has a target processing window of up to 6 hours from a complete amount and TxID submission, subject to independent payment verification. Withdrawal requests, including account XLM settlement, referral rewards and spin prizes, have a target processing window of up to 12 hours from a valid submission and are paid manually to the supplied Binance UID. Incorrect payment details, incomplete references or an unconfirmed transfer can delay processing. Check request history for the recorded status. These windows do not initiate automatic transfers or guarantee a transfer before verification.

2. Deposit availability

A separate USDT deposit workspace supports manual receipt verification when receiving instructions are configured and enabled. Use only the recipient and network shown in the deposit form. After sending, submit the actual USDT amount and complete transaction reference together. Existing unfinished requests retain their saved receiving details and offer. Submitted references are not proof of payment; only verified received USDT is credited. Verified received USDT automatically converts into platform account XLM at the operator rate in effect at approval, currently 0.18 USDT per XLM. XLM credit equals received USDT divided by that rate, truncated to seven decimals. Each receipt credits once; the original receipt remains in history and its USDT amount cannot be spent again. Existing unspent approved receipts are converted once at activation. Mainnet XLM delivery is not provided. Use Account XLM to request manual settlement in USDT through your Binance UID. Do not send funds to testnet addresses. Deposits do not purchase company shares or guarantee any return.

Deposit-funded XLM withdrawals

Approved deposits become available platform account XLM and can fund level allocations or an Account XLM payout request. A payout holds the requested XLM until an administrator pays USDT to the saved Binance UID or rejects the request. No identity documents or transaction PIN are required by this request flow. The payout quote saves the displayed rate and USDT amount. Approval alone does not send funds. Referral rewards join the main XLM balance; spin prizes remain separate.

3. Promotional credits

SWM promotional credits are separate from XLM, have no guaranteed exchange value and are non-withdrawable. Availability, redemption rules and campaign eligibility may be limited or modified during beta testing. Unless a separately verified service is activated, mobile-recharge redemptions are unavailable.

USDT spin reward rules

When the offer is enabled, a new deposit submission saves the eligibility rate displayed in its form in BDT per USDT. An unfinished request created earlier retains its original saved rate. One single verified and approved receipt worth at least ৳4,000 at that saved rate unlocks one lifetime spin per member account. Smaller receipts are not combined. Deposits created while paused or before this offer existed do not qualify retroactively. Later rate changes do not alter saved offers. A pause stops new offers without removing existing earned spins.

New spin results use six possible prizes: 2, 3, 4, 5, 6 and 7 USDT. The combined chance of 2, 3 or 4 USDT is 80% (each 4/15, approximately 26.67%); the combined chance of 5, 6 or 7 USDT is 20% (each 1/15, approximately 6.67%). These are independent probabilities per spin, not a guaranteed split in any group of members. Previously recorded prizes keep their original amount. Unused spins use the current prize distribution when claimed. The server records one result permanently; spinning does not deduct the deposit balance. Extra deposits do not provide another spin. This reward is separate from simulated XLM and SWM promotional points.

After spinning, the member may request the recorded reward using their own Binance UID. An administrator reviews the recipient and manually sends the reward; submitting a request does not mean payment has occurred. The UID cannot change while a request is pending or being processed. Rejected requests may be corrected and resubmitted, up to ten submissions. A paid reward cannot be requested again. Payment completion includes a successful Binance order reference. This workflow pays spin rewards only; it does not enable withdrawal of the deposit balance.

XLM referral reward rules

A registration using an existing member’s valid referral code is recorded as pending. The referral owner and referred account are fixed when registration is recorded. Self-referrals are excluded. The first verified, approved USDT deposit from a valid attributed account automatically credits its referrer once, provided both accounts have confirmed emails and are not suspended. A submitted or rejected deposit does not qualify. Further deposits from the same referred account do not add referral rewards. Previously verified pending referrals are reconciled under this rule. Rejected referrals are not automatically reopened. Existing manual approvals remain valid; administrators can review exceptions.

Each approved referral awards ৳500 worth of XLM as a platform reward credit. The administrator sets the BDT-per-XLM valuation used when the reward is credited; the XLM quantity is 500 divided by that saved rate, truncated to seven decimal places. Each referred account can generate only one reward. Later rate changes do not revalue previously credited XLM quantities. Rejected referrals earn no reward.

Approved referral earnings appear in referral history and are added once to the main account XLM balance. Existing unspent rewards are moved at their original XLM quantity without revaluation. Referral history is a record of earnings, not an additional spendable balance. No XLM is delivered on-chain. Existing invitation activation requirements and registration limits still apply.

Using referral earnings

There is no separate referral withdrawal. Referral-funded account XLM can be allocated to levels or included in a standard Account XLM withdrawal request. The normal account quote, Binance UID, hold, manual payment and rejection rules apply. Each referral ledger entry funds the main wallet once, so the same earnings cannot be withdrawn from a second balance.

4. Reference companies

Named companies and their logos are used only for illustrative reference listings. The platform does not imply affiliation, endorsement or an offer to buy those companies’ shares or securities.

5. Acceptable use and security

Do not create fraudulent identities, attack systems, automate abuse, bypass access controls or interfere with other users. Keep login credentials private. Beta participation may be restricted, suspended or ended to protect system integrity.

6. Data and corrections

Simulated positions, balances and campaign credits may need correction following technical errors. Administrative changes should be traceable. Any personal information provided is subject to the Privacy Notice.

7. Before a wider public launch

These beta terms are provisional. The responsible operator must publish confirmed business contact details and obtain appropriate legal and financial-regulatory review before accepting real funds or launching financial products. See the Risk Disclosure.