T&C

IDD TERMS & CONDITIONS

International Digital Dollar (IDD) – 100% Decentralized Bank & Digital Currency

Last Updated: November 4, 2025

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1. Nature of the IDD Ecosystem

International Digital Dollar (“IDD”) operates as the first fully decentralized bank and digital currency governed exclusively through distributed code, community consensus, and DAO-based decision mechanisms.

IDD does not function as a traditional financial institution, nor does it rely on centralized corporate, governmental, or jurisdiction-specific control structures.

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2. Code-Defined Governance

The IDD ecosystem is governed by immutable smart contract logic, decentralized infrastructure, and transparent protocol rules.

These protocol rules serve as the primary operational framework regulating:

• Backing

• Minting

• Issuance

• Transactions

• Treasury mechanics

• Voting and governance rights

• User interaction with the ecosystem

In the IDD ecosystem, “the code is the governing framework.”

Human intermediaries do not hold operational authority.

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3. DAO-Based Self-Governance

All participants interact in a decentralized autonomous organization (DAO) where:

• Voting rights are distributed algorithmically

• Governance proposals are executed through smart contracts

• No single individual, company, or jurisdiction unilaterally controls system operations

This structure is designed to support international, self-managed, and peaceful coexistence among participants.

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4. Relationship to Centralized and Traditional Systems

IDD is not structured around the operational assumptions of traditional banking, corporate governance, or centralized regulatory models.

Accordingly, traditional centralized frameworks are not structurally aligned with the capabilities, functions, or decision-making processes of the IDD ecosystem.

IDD’s protocol was intentionally designed so that:

• Authority is distributed

• Rules are enforced automatically by the code

• No geographic legal system dictates the execution of the protocol’s internal logic

This does not mean IDD is “outside the law.”

Rather, IDD operates under a distinct, protocol-native governance model that differs fundamentally from centralized systems.

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5. Interpretation of “Compliance”

Because IDD operates through decentralized, code-driven consensus rather than human-administered policies, external observers may perceive the system as non-traditional or unfamiliar.

However:

• IDD adheres to the compliance requirements inherent to its decentralized architecture

• IDD maintains transparency and accountability through open-source code, auditable smart contracts, and community oversight

• IDD’s design follows principles of responsible, ethical, and internationally cooperative digital governance

IDD’s compliance is protocol-native, not centralized or jurisdiction-specific.

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6. User Eligibility

IDD allows participation from users of all ages, including those under 18, for non-custodial access to wallets, banking, and governance functions. There are no restrictions preventing minors from joining the ecosystem.

IDD is based on an international, decentralized protocol, designed to operate independently of any single country’s jurisdiction. While the protocol itself is globally accessible and governed by code and DAO-based consensus, users are responsible for complying with any applicable laws or regulations in their respective jurisdictions.

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7. User Responsibilities

All participants agree to:

1. Use the ecosystem responsibly

2. Abide by the DAO governance processes

3. Engage respectfully within the community and ecosystem

4. Ensure personal compliance with any applicable local rules or restrictions

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8. No Central Custody or Control

IDD:

• Holds no user funds

• Exercises no custodial authority

• Controls no private keys

• Cannot alter, reverse, or override user transactions

Users retain full custody and responsibility for their digital assets.

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9. Transparency and Open Protocol

The IDD protocol is open-source, auditable, and transparently governed.

Protocol updates occur only through:

1. DAO voting

2. Smart contract execution

3. Community-approved mechanisms

No unilateral changes can be made.

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10. Non-Speculative Nature of IDD

IDD is a protocol-governed stabledollar system, not a speculative cryptocurrency.

• IDDC represents the circulating digital dollar supply

• IBDC represents the internal issuance and accounting layer

• The $1 = $1 peg between them is determined algorithmically via governance

• Monetary expansion and contraction occur through protocol-defined mechanics

No part of IDD is designed to provide:

• guaranteed returns

• passive income promises

• appreciation expectations

• traditional investment contracts

All UBI, staking, and governance rewards are protocol-generated, not company-issued promises, and not external yield-sourced.

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11. DAO Governance

The IDD DAO is the authoritative decision-making structure for the Ecosystem.

DAO participants determine:

• monetary policy

• issuance parameters

• governance rules

• ecosystem upgrades

• treasury allocations

• Share/Stock/Stake conversions

• partner approval and integration

All governance actions are executed transparently on-chain and are binding within the Ecosystem.

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12. Protocol Risks

By using IDD, you acknowledge the following inherent risks:

• smart contract risk

• market volatility risk

• governance decision risk

• technological failure risk

• personal key-management risk

• liquidity or network congestion

• unanticipated protocol behavior

IDD cannot prevent these risks, nor guarantee the performance of external systems that interact with the Ecosystem.

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13. No Central Authority or Guarantees

Because IDD is decentralized:

• there is no central party who can guarantee outcomes

• there is no authority who can reverse transactions

• there is no company who can control monetary policy

• there is no governing body who can “fix” user mistakes

• there are no promises of profits, multipliers, or appreciation

The system operates solely according to its code and governance.

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14. Intellectual Property

All IDD branding, documentation, interfaces, and materials are owned by IDD or its contributors.

Use is granted only for personal, non-exclusive purposes.

Protocol code that is open-source remains under its respective license.

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15. Limitation of Liability

IDD, its contributors, developers, or DAO participants shall not be liable for:

• user losses

• incorrect transactions

• mismanagement of private keys

• reliance on user-generated expectations

• protocol risks

• market events

• third-party platform failures

Participation is at your own risk.

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16. Amendments

The DAO may modify or update these Terms at any time through governance voting.

Updates take effect when published.

Your continued use of the Ecosystem constitutes agreement to the updated Terms.

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17. Acceptance

By accessing or interacting with IDD, users acknowledge that they understand:

• The decentralized nature of the protocol

• Their personal control and responsibility over assets

• That IDD’s operations are governed by code, not centralized entities

• That traditional banking and financial regulations are not structurally relevant to internal protocol mechanics

✅ Suggested Statement

“$IDD ($IBDC / $IDDC) provides financial technology banking services via a fully decentralized, DAO-governed network. While offering stable-dollar issuance, staking, and reward functionality, the network is not a bank or regulated financial institution. All operations are transparent, automated via smart contracts, and fully decentralized.”

If you do not agree to these Terms, you must discontinue use of IDD.

 

👨💻CEO: $IDD LLC|AGEWP INC-🥇💯% Web2-5 DAO/SSS 🚉! Web2/3 MVP-Web4/5 IPO: 💯% DeFi AI/BI/ML/IoT Intl BCT Free Mrkt Socl Wallet/Ecosys. No Buy Trade/Stake MVP IPO+100% Dgtl/Virt StableDollar IPO Rewards👌🌎☮️💙♾️💲🔥✅

— Kyle Melcher

🌐💵  Founder & CEO: $IDD LLC.|AGEWP INC.