Refund & Dispute Policy

Digital Treasury is payment infrastructure used by businesses to move money to and from their own customers and counterparties. This policy explains how money is returned across the rails we support and how disputes are handled. It is distinct from any refund policy a business using our platform sets for its own products.

1. Platform fees

Platform and per-transaction fees are governed by each customer's order form or license agreement. During the current development phase the platform uses simulated bank rails and no live fees are charged for money movement.

2. ACH returns & reversals

ACH payments may be returned under NACHA rules (for example, insufficient funds or unauthorized debit) within the applicable return windows. Returns are surfaced with their reason code and posted back to the ledger automatically. Reversals of erroneous entries follow NACHA's reversal rules and time limits.

3. Wire & RTP

Wire and real-time payments are generally irrevocable once settled. Recovery of a mistaken instant payment depends on the receiving institution's cooperation and is not guaranteed; we assist with recall requests where the network supports them.

4. Card disputes & chargebacks

For card programs, cardholders may dispute a transaction with their issuer under card-network rules. Disputes and chargebacks are processed under those rules and timelines; we provide the tooling and evidence handling to represent a dispute.

5. How to raise a dispute

If you are an end customer of a business that uses Digital Treasury, contact that business first — they own the underlying transaction. Platform customers can raise operational disputes with us through the contact page. Nothing here limits rights you have under Regulation E or other consumer-protection law.

6. Phase status

No live money is moved in the current phase, so no real returns or chargebacks occur yet. This policy governs production behavior enabled under an executed agreement.