Governing withdrawal eligibility, processing, and compliance standards
These Terms of Payout govern the rules, conditions, and procedures applicable to withdrawals made from DolRise user accounts. This document defines the legal framework under which Najumi Currency (NC) may be converted into fiat currency and transferred to a user’s designated payout method.
DolRise operates a digital internal economy where Najumi Currency (NC) represent platform value. When a user initiates a withdrawal, NC is converted into the user’s selected fiat currency through DolRise’s exchange mechanism, subject to active rates and applicable processing conditions.
These Terms apply to:
By initiating a withdrawal request, users acknowledge and agree to be bound by these Terms of Payout. If you do not agree with any provision contained herein, you must refrain from using DolRise payout services.
These Terms operate alongside:
In the event of any conflict between this document and other platform policies regarding withdrawals, these Terms of Payout shall prevail with respect to payout-related matters.
DolRise reserves the right to:
DolRise is not a bank and does not provide deposit insurance. Financial transfers may be executed through licensed third-party payment processors subject to their respective regulatory obligations.
The purpose of this section is to establish clarity, protect both platform integrity and user rights, and ensure lawful, secure, and transparent payout processing.
DolRise operates under its parent company, Najumi Tech. As part of the Najumi Tech ecosystem, DolRise utilizes an internal digital value unit known as Najumi Currency (NC). NC is the official in-app currency used across eligible Najumi Tech platforms, including DolRise.
Najumi Currency (NC) is not legal tender, not a cryptocurrency, and not a bank deposit. It does not represent physical cash, electronic money issued by a financial institution, securities, or investment instruments. Instead, NC functions as a digital value representation used exclusively within the Najumi Tech ecosystem to facilitate platform-based transactions, rewards, and payout calculations.
NC serves as the foundational accounting unit within DolRise. It is used to calculate rewards, earnings, incentives, promotional credits, and other value-based interactions within the platform. By using NC as a standardized internal unit, DolRise ensures consistency, transparency, and operational efficiency across its financial systems.
All earnings generated within DolRise are first denominated in NC. Where applicable and subject to eligibility requirements, NC may later be converted into a user’s preferred fiat currency through DolRise’s internal exchange mechanism.
DolRise operates as a product under Najumi Tech. The structure, valuation methodology, and exchange framework of NC are governed by Najumi Tech’s internal financial and compliance policies. DolRise implements these mechanisms as part of its operational infrastructure.
Najumi Tech reserves the right to determine exchange structures, update valuation methodologies, and maintain compliance standards applicable to NC within legal and regulatory boundaries.
Where withdrawals are permitted, NC may be converted into a user’s preferred fiat currency based on active exchange rates maintained within the DolRise exchange system. Exchange rates are subject to periodic review and may vary over time.
The conversion of NC into fiat currency does not grant the user ownership rights over NC beyond platform use, nor does it establish a banking relationship, deposit guarantee, or financial instrument classification.
By using DolRise, you acknowledge and agree that Najumi Currency (NC) is a platform-based accounting mechanism and not a regulated financial asset unless otherwise required by applicable law.
Access to payout functionality on DolRise is subject to strict eligibility requirements designed to ensure regulatory compliance, financial integrity, and platform security. By requesting or initiating any payout transaction, you represent and warrant that you meet the eligibility criteria outlined in this Section.
You must maintain a valid, fully registered DolRise account created using accurate and lawful personal information. Accounts created with false, misleading, incomplete, or fraudulent data are not eligible for payout services and may be suspended or permanently terminated.
Before initiating any payout of Najumi Currency (NC) into fiat currency, you must successfully complete identity verification procedures ("Know Your Customer" or KYC). This may include submission of government-issued identification, biometric verification, proof of address, or other documentation as required by DolRise or its parent company, Najumi Tech.
DolRise reserves the right to deny or delay payouts where identity verification is incomplete, inconsistent, or fails internal compliance checks.
Your account must be active, unrestricted, and not subject to suspension, investigation, or compliance review at the time of the payout request. DolRise may temporarily or permanently restrict payout access if your account is flagged for suspicious activity, policy violations, or regulatory review.
You are required to configure and maintain appropriate security measures, including a valid transaction PIN and secure login credentials. You are solely responsible for safeguarding your account access information. DolRise shall not be liable for losses resulting from your failure to protect your authentication credentials.
You must meet the minimum legal age required to enter into financial agreements in your jurisdiction. If it is determined that you do not meet the required legal age, DolRise reserves the right to suspend payout functionality and take further action as necessary.
You are responsible for ensuring that your use of payout services complies with all applicable laws and regulations within your jurisdiction, including tax laws, financial reporting requirements, foreign exchange regulations, and anti-money laundering obligations.
DolRise does not provide tax advice and assumes no responsibility for your compliance with local tax or financial reporting obligations.
DolRise may impose withdrawal limits, holding periods, transaction caps, compliance thresholds, or enhanced verification requirements based on jurisdiction, risk assessment, regulatory obligations, or internal security policies. Such controls may be updated without prior notice where legally permitted.
DolRise reserves the absolute right to suspend, delay, limit, or refuse any payout request where there is reasonable suspicion of fraud, abuse, policy violation, security risk, or regulatory concern. Additional documentation or clarification may be required before payout processing can proceed.
Access to payout services is a conditional privilege and not an inherent right. Continued eligibility depends on ongoing compliance with these Terms and all applicable DolRise policies.
DolRise, operated under Najumi Tech, maintains the right and responsibility to protect the integrity of its platform, financial infrastructure, and user community. In order to comply with applicable laws and internal risk management standards, DolRise reserves the right to take disciplinary action where necessary.
DolRise may suspend, restrict, freeze, or permanently terminate a user account at its sole discretion if it determines that the account has violated these Terms of Payout, the Global Terms of Service, or any applicable law or regulatory requirement.
Such action may include, without limitation:
DolRise may implement these measures without prior notice where it reasonably believes that immediate action is required to protect the platform, comply with law, or prevent financial harm.
Account suspension or termination may occur in cases including, but not limited to:
Najumi Currency (NC) is a controlled in-app currency governed by Najumi Tech. Where serious violations are identified, DolRise reserves the right to:
Forfeiture may occur where the user fails to provide sufficient evidence to resolve compliance concerns or where violations are confirmed following internal investigation.
DolRise reserves the right to conduct internal investigations into suspicious activity and may cooperate with law enforcement agencies, financial regulators, or competent authorities where required by law.
This may include sharing relevant data in accordance with applicable data protection and regulatory frameworks.
DolRise shall not be liable for any loss of NC or payout access resulting from enforcement actions taken in good faith under these Terms or in compliance with applicable legal obligations.
DolRise has implemented a structured, secure, and compliance-driven payout framework to ensure transparency, regulatory alignment, and financial integrity. When a user submits a withdrawal request involving Najumi Currency (NC), the request does not result in immediate fund disbursement. Instead, it enters a controlled multi-stage review process.
Upon submission, a payout request is recorded with a status of “Requested”. At this stage, the system performs automated validations including but not limited to:
If preliminary validation succeeds, the payout request progresses to the “Processing” stage. During this phase, DolRise may conduct automated fraud detection, regulatory screening, and, where necessary, manual compliance review.
DolRise reserves the right to delay, suspend, or reject any payout request where required for security, legal, compliance, fraud prevention, or regulatory obligations.
Standard payout processing time ranges between 1 to 3 business days, excluding weekends, public holidays, and banking system interruptions. Actual settlement timing may vary depending on:
DolRise does not assume responsibility for processing delays caused by external financial institutions, payment networks, or regulatory authorities outside its direct operational control.
Users may track payout status within their transaction history. Possible payout statuses include:
Where a payout is rejected, a reason may be provided, including but not limited to insufficient balance, failed KYC verification, security concerns, policy violations, or incorrect payout details.
DolRise may apply a processing fee to payout transactions. Any applicable fee will be transparently displayed before final confirmation of the withdrawal request. Users will be shown:
All exchange previews are estimates and subject to active rate conditions at the time of processing.
Users are solely responsible for ensuring that payout destination details are accurate and valid. DolRise shall not be liable for misdirected funds resulting from incorrect account information provided by the user.
Users are also responsible for compliance with all applicable tax obligations within their jurisdiction.
DolRise may apply a processing fee to payout transactions. This fee covers operational costs including wallet infrastructure, payment processing systems, security measures, regulatory compliance, and third-party provider integrations.
Processing fees may be structured as a fixed amount, a percentage of the payout value, or a combination of both. The applicable fee will be clearly displayed before the User confirms a payout request.
DolRise reserves the right to modify processing fees at its discretion, subject to updates to these Terms. Any changes will be reflected transparently within the platform.
Financial institutions, banks, or fintech providers involved in payout settlement may impose additional charges. These may include receiving bank fees, international transfer charges, currency settlement costs, or intermediary network fees.
DolRise does not control and is not responsible for third-party charges applied outside its infrastructure. Users are solely responsible for such external deductions.
Najumi Currency (NC) is a proprietary in-app digital unit and does not constitute legal tender. When a payout is requested, NC may be converted into the User’s preferred fiat currency through DolRise’s internal exchange mechanism.
Conversion rates are determined based on active rate configurations, internal rate tables, market conditions, liquidity considerations, and regulatory factors. The applicable exchange rate will be displayed at preview or confirmation stage.
Currency markets are subject to volatility. Exchange rates between NC and fiat currencies may fluctuate at any time. As such, the fiat amount received may differ from earlier previews if the rate changes before settlement.
DolRise shall not be liable for any losses arising from exchange rate fluctuations.
DolRise may apply either a rate snapshot captured at the time of payout request or a dynamic rate applied at settlement. Minor differences between previewed and settled amounts may occur depending on processing timelines.
Before confirming a payout, Users will be shown:
This transparency ensures informed decision-making and financial clarity.
DolRise does not guarantee any specific exchange rate. Market conditions, provider liquidity, regulatory changes, or system adjustments may affect conversion values.
Users are solely responsible for any taxes, levies, or regulatory deductions applicable in their jurisdiction. DolRise does not calculate, withhold, or remit personal tax obligations unless legally required to do so.
DolRise operates a structured payout system that involves the conversion of Najumi Currency (NC) into fiat currency through regulated financial channels. While we strive to ensure accuracy and reliability, certain payout requests may fail, be delayed, reversed, or require additional review due to technical, compliance, or third-party factors.
A payout request may fail for several reasons, including but not limited to:
Where a payout fails prior to final settlement, DolRise may return the equivalent NC amount to the user’s wallet, subject to applicable fees or processing costs already incurred. If the transaction has progressed beyond certain banking stages, recovery may not be possible.
DolRise reserves the right to reverse, suspend, or cancel any payout transaction where:
In such cases, DolRise may temporarily freeze associated funds, suspend account access, or conduct a compliance review before reaching a final decision.
Najumi Currency (NC) is an internal digital unit and not legal tender. Once NC has been converted and a payout has been successfully processed and settled to the user’s designated payment destination, refunds are generally not permitted.
Refunds may only be considered in cases of demonstrable system error attributable directly to DolRise, or where required by applicable law.
DolRise shall not be held liable for losses arising from:
Users are responsible for ensuring the accuracy of all payout details before submitting a withdrawal request.
Where a payout fails due to correctable issues, users may submit a new payout request once the issue has been resolved. However, repeated failed payout attempts, fraudulent activity, or violations of these Terms may result in account suspension or permanent withdrawal restrictions.
DolRise maintains internal compliance and fraud detection mechanisms to protect the integrity of the payout system and ensure fairness across all users.
DolRise operates as a technology platform that enables users to earn and convert Najumi Currency (NC) into fiat currency through the payout system. DolRise is not a tax authority, financial advisor, or governmental agency. Each user is solely responsible for understanding and complying with all applicable tax laws in their country of residence.
DolRise does not provide tax advice. We do not calculate, withhold, report, or remit taxes on behalf of users unless legally required to do so by applicable law. Users are encouraged to consult a qualified tax professional regarding their specific tax obligations.
Users acknowledge and agree that they are fully responsible for:
Tax regulations vary significantly across jurisdictions. Depending on local laws, payouts received from DolRise may be considered taxable income, cross-border financial inflow, or digital service earnings. Users are solely responsible for understanding how their local regulations apply.
DolRise may retain transaction history, payout records, and related data in accordance with applicable financial regulations. Where legally required, DolRise may disclose relevant payout or transaction information to competent regulatory authorities, tax agencies, or law enforcement bodies.
DolRise shall not be liable for any unpaid taxes, penalties, interest, or legal consequences arising from a user's failure to comply with tax laws. All financial and tax-related responsibilities remain with the user.
In jurisdictions where law requires withholding or reporting, DolRise reserves the right to comply with such legal obligations, including withholding amounts where mandated by regulation.
By using the DolRise payout system, you acknowledge and agree that tax compliance is your personal responsibility and that DolRise assumes no advisory or fiduciary role in relation to your tax matters.
To protect the integrity, liquidity, and long-term sustainability of Najumi Currency (NC) and the DolRise payout infrastructure, DolRise may apply daily and weekly payout limits to user accounts.
DolRise may restrict the maximum amount of NC that a user can withdraw within a single 24-hour period. Daily limits may vary depending on:
Newly created or partially verified accounts may be subject to lower withdrawal limits, while fully verified accounts may qualify for higher limits at DolRise’s sole discretion.
In addition to daily limits, DolRise may apply weekly payout restrictions. These limits may include:
Weekly limits are designed to reduce fraud risk, prevent abuse of the payout system, and maintain the financial stability of the platform.
Weekly limits may be calculated using a rolling 7-day window rather than a fixed calendar week. This means that payout activity is evaluated based on the previous seven consecutive days from the time of a new payout request.
DolRise reserves the right to modify, reduce, increase, or suspend payout limits at any time without prior individual notice. Such changes may result from:
If a payout request exceeds applicable daily or weekly limits, DolRise may reject, delay, or require additional verification before processing the transaction.
Payout limits do not constitute a guaranteed right to withdraw specific amounts. DolRise retains full discretion to restrict, suspend, or revoke payout privileges where necessary to protect users, comply with legal obligations, or safeguard the Najumi Currency ecosystem.
DolRise, operated under Najumi Tech, strives to provide a secure, transparent, and compliant payout infrastructure for Najumi Currency (NC). However, the platform operates within defined legal and operational limits. This section outlines the extent and boundaries of DolRise’s liability in connection with payouts and related financial activities.
DolRise shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to the use of payout services. This includes, but is not limited to, loss of profits, loss of business opportunities, reputational harm, or financial loss resulting from payout delays, exchange rate fluctuations, or system interruptions.
Users are solely responsible for ensuring that all payout-related information submitted — including bank account numbers, account names, routing identifiers, and selected currencies — is accurate and complete. DolRise shall not be responsible for funds sent to incorrect accounts due to user error or inaccurate information.
Currency conversion rates are subject to market fluctuations and may vary over time. DolRise does not guarantee that a specific exchange rate will remain available at the time of payout execution. Users acknowledge and accept all currency conversion risks associated with NC-to-fiat exchange.
DolRise shall not be held liable for any failure or delay in performance resulting from circumstances beyond its reasonable control, including but not limited to regulatory changes, government actions, banking restrictions, technical failures, cyber incidents, natural disasters, political instability, or telecommunications disruptions.
Payout processing may involve third-party financial institutions, payment processors, banking partners, or regulatory intermediaries. DolRise shall not be liable for errors, delays, compliance actions, or restrictions imposed by such third parties, except where directly caused by DolRise’s proven negligence.
DolRise reserves the right to suspend or terminate accounts, withhold payouts, or restrict access to NC balances where fraud, abuse, policy violations, or regulatory risks are suspected. Such actions shall not constitute grounds for liability, compensation, or damages against DolRise unless required by applicable law.
To the fullest extent permitted by law, DolRise’s total aggregate liability for any claim related to payout services shall not exceed the total NC amount involved in the specific payout transaction giving rise to the claim.
Payout services are provided on an “as is” and “as available” basis. DolRise does not guarantee uninterrupted availability, error-free operation, or continuous access to payout infrastructure.
In jurisdictions where financial regulations require temporary holds, reporting, enhanced verification, or compliance review, DolRise shall not be liable for delays or restrictions resulting from lawful regulatory obligations.
By using DolRise payout services, users acknowledge that they have read, understood, and agreed to these limitations of liability.
Before initiating any formal legal proceeding, you agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms of Payout, Najumi Currency (NC), or any payout-related activity through good-faith discussions with DolRise.
You must submit your concern through our official support or legal communication channels, providing sufficient details to allow us to investigate the matter. DolRise will review the issue in a fair and timely manner in accordance with applicable laws and internal compliance procedures.
If a dispute cannot be resolved informally, it shall be resolved through binding arbitration rather than court litigation, except where prohibited by applicable law.
Arbitration shall be conducted by a neutral arbitrator and the decision rendered shall be final and binding on both parties. You agree to waive any right to a trial by jury or participation in a class action lawsuit, to the fullest extent permitted by law.
All disputes must be brought on an individual basis. You agree not to participate in any class action, collective action, or representative proceeding against DolRise or Najumi Tech in connection with payout services or Najumi Currency.
To the extent arbitration does not apply, or where court proceedings are legally required, you agree that any dispute shall be subject to the exclusive jurisdiction of the competent courts in the country where Najumi Tech is incorporated or principally operates.
These Terms of Payout and any dispute arising from them shall be governed by and construed in accordance with the laws of the jurisdiction in which Najumi Tech is registered, without regard to conflict of law principles.
Any claim relating to payout services must be brought within the legally permitted timeframe after the event giving rise to the dispute. Failure to raise a claim within the applicable limitation period may result in permanent waiver of such claim.
Any arbitration or dispute resolution process shall remain confidential unless disclosure is required by law or necessary to enforce an arbitral award.
During the resolution of any dispute, DolRise reserves the right to continue enforcing its policies, including account restrictions, payout holds, compliance reviews, or suspension measures where necessary for security, regulatory compliance, or fraud prevention.
DolRise, operated under Najumi Tech, reserves the right to modify, update, or amend these Terms of Payout at any time to ensure continued compliance with applicable laws, financial regulations, operational requirements, and evolving business practices. This authority is necessary to maintain the integrity, security, and lawful administration of the DolRise payout system and Najumi Currency (NC).
Updates may occur for various reasons, including but not limited to:
Minor updates that do not materially affect user rights—such as typographical corrections, clarifications, formatting improvements, or non-substantive wording changes—may take effect immediately without prior notice.
If an amendment materially affects user rights, payout procedures, withdrawal limits, applicable fees, suspension policies, or other critical provisions, DolRise will provide reasonable notice through appropriate channels, which may include:
Each updated version of these Terms will include an updated “Effective Date.” Continued use of DolRise payout services after the effective date constitutes acceptance of the revised Terms.
If you do not agree with the updated Terms, you must discontinue use of payout services. DolRise is not obligated to continue providing payout functionality to users who decline to accept updated terms.
DolRise maintains version tracking for legal documentation. Each version will be clearly labeled with its publication date and version number to ensure transparency and accountability. Historical versions may be retained for regulatory, audit, or compliance purposes.
Notwithstanding any amendments, DolRise retains the right to suspend, restrict, or investigate accounts where necessary to comply with legal obligations, enforce platform rules, or protect against fraud, abuse, or financial misconduct.
These update provisions are designed to ensure that the DolRise payout system remains secure, legally compliant, and aligned with international standards of financial governance.
This Terms of Payout document constitutes the official and legally binding framework governing all payout activities conducted through DolRise using Najumi Currency (NC). DolRise operates under Najumi Tech, the parent company responsible for managing NC infrastructure and financial compliance standards.
These Terms of Payout become effective on 25 February 2026. From this date forward, all payout requests, financial withdrawals, conversions, and related monetary activities on DolRise shall be governed exclusively by the provisions outlined in this document.
Continued use of the payout system after the effective date constitutes full acceptance of these Terms. If you do not agree with any portion of these Terms, you must immediately discontinue use of payout services.
This document was officially published on 18 February 2026, providing users with notice prior to enforcement.
Version: 1.0.0.0
This is the initial official release of DolRise’s Terms of Payout under the Najumi Currency (NC) financial framework.
Najumi Tech maintains a structured version control system to ensure transparency, traceability, and regulatory integrity. Any future updates to this document will:
These Terms operate alongside DolRise’s Global Terms of Service, Global Privacy Policy, and Payout Privacy Policy. In the event of inconsistencies, Najumi Tech reserves the right to interpret and enforce the applicable governing framework in accordance with international compliance standards.
By using DolRise’s payout system on or after 25 February 2026, you confirm that you have read, understood, and agreed to these Terms of Payout in full.