Oko
Developer Terms of Use
Effective Date: 12 November 2025
These Developer Terms of Service, together with any documents and additional terms expressly incorporated by reference, which include any other terms or other agreements that Togra Corporation, its subsidiaries and Affiliates ("Oko”, "we", "us" and "our") post publicly or make available to you or the company or other legal entity that you represent ("Developer", "you" or "your") (collectively, these "Terms"), are entered between Oko and you concerning your use of, and access to:
IMPORTANT NOTICE REGARDING DEVELOPER SERVICES: These Developer Terms of Service specifically govern your integration and use of Oko services and your relationship with Oko as a Third-Party Application Provider. End users of applications that integrate Oko services are governed by Oko's separate User Terms of Service (available at https://terms-of-use.oko.app/). Unless otherwise defined, all capitalised terms shall have the meanings set out in the User Terms of Service. As a Developer integrating Oko services, you acknowledge specific obligations regarding the non-custodial nature of Oko's wallet architecture, the distributed authentication system involving Keyshare Nodes, and the technical limitations regarding credential recovery, as set forth in these Terms.
Please read these Terms carefully, as these Terms govern your use of the Services. By accessing and/or using our Services, you acknowledge that you have read, understood, accept and agree to be bound by these Terms. If you are accessing or using our Site and Services on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms. If you do not agree with any part of these Terms, you must not access or use our Services.
Subject to Developer's compliance with the terms and conditions, restrictions, and eligibility requirements described under this Agreement, Oko grants Developer a non-exclusive, limited, personal, non-transferable, non-assignable, temporary, revocable right and license to internally access and use Oko products and/or services, including Oko services, during the applicable Term for the lawful and business purposes of Developer, only as provided herein and only in accordance with Oko's applicable official documentation for such Services, as may be updated from time to time in Oko's sole discretion.
Developer acknowledges and agrees that the Services may include various components, features, and functionalities that Oko may provide from time to time, including but not limited to embedded wallet solutions, authentication infrastructure, distributed signature generation systems, and related blockchain connectivity services, and that such Services are subject to the terms and conditions set forth herein. The scope and availability of Services may vary and are subject to modification at Oko's discretion, as applicable.
For purposes of these Terms, "Oko" means Oko's embedded wallet solutions and authentication infrastructure that enables Developer to integrate wallet functionality into Developer's applications and services. Developer understands that Oko services may involve various technical components and architectural elements that may evolve over time in Oko's discretion.
Oko provides embedded wallet solutions and authentication infrastructure through Oko services that enable Developer to integrate wallet functionality into Developer's applications. Developer acknowledges that when end users create or use embedded wallets through Developer's application, such users are utilizing Oko's underlying wallet technology and security infrastructure, even though they may be interacting with the wallet through Developer's application interface.
The specific functionality, features, and capabilities available through Oko services may vary depending on various factors including but not limited to Developer's implementation choices, configuration settings, technical requirements, and the specific service tiers or packages selected by Developer. Oko reserves the right to modify, enhance, or discontinue specific features or functionalities of Oko services from time to time in its sole discretion.
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Developer acknowledges and agrees on behalf of its Users that:
(A) Oko only provides non-custodial wallet solutions, meaning that Users maintain final control over their wallet's assets and transactions, though the specific technical implementation of such control may vary depending on the configuration and features utilized by Developer;
(B) Oko and participating Keyshare Nodes in the distributed authentication network may individually verify user credentials and cooperate to securely generate valid signatures for cryptographic keys, as applicable to the specific services and configurations implemented by Developer;
(C) Oko and participating Keyshare Nodes do not have access to, or store, Users' complete private keys, credentials, or any Digital Assets within those wallets; and
(D) Due to the technical architecture of the system, Oko is not able to provide credential recovery services.
Oko's authentication and signature generation processes may utilize distributed network architectures that involve multiple Keyshare Nodes working cooperatively to provide secure authentication and transaction signing capabilities. Developer acknowledges that such distributed systems may have different performance, availability, and operational characteristics compared to centralized systems.
The availability, performance, and reliability of distributed authentication services may depend on various factors including but not limited to network conditions, node participation, technical configurations, and other variables that may be outside of Oko's direct control. Developer understands that distributed systems may experience technical issues, network disruptions, or other operational challenges from time to time.
Developer acknowledges that the specific technical details, protocols, and operational parameters of distributed authentication systems may be subject to change as Oko continues to develop and improve its technical infrastructure. Such changes may be implemented to enhance security, improve performance, ensure regulatory compliance, or for other business or technical reasons, as determined by Oko in its discretion.
Developer is responsible for all activities that occur in connection with Developer's use of the Services, including but not limited to the proper implementation and integration of Oko services into Developer's applications, ensuring appropriate user notifications and disclosures, obtaining necessary consents from end users, and maintaining compliance with applicable laws and regulations, as necessary for Developer's specific use case and implementation.
Developer agrees to provide all necessary notices to end users and obtain all required consents in connection with the integration and use of Oko Services, including the Embedded services. Such notices and consents may include but are not limited to disclosures regarding the non-custodial nature of wallet services, the distributed authentication architecture, data processing activities, security considerations, and any limitations on credential recovery capabilities.
Developer is responsible for securing Developer's own systems, applications, and infrastructure that interact with Oko Services (including the Embedded services), including but not limited to implementing appropriate access controls, data protection measures, and incident response procedures. Developer acknowledges that vulnerabilities or security issues in Developer's systems could potentially affect the security of embedded wallet services or user data.
Developer agrees that Developer will not access the Site, nor use the Services, or any portion(s) thereof or content found on the Site and/or Interface, in any way not expressly permitted by these Terms or in any way that violates the governing laws or any other applicable local, state, national and international laws and regulations of Developer’s citizenship or residency, or the jurisdiction of incorporation of the legal entity that Developer represent; and that if you do, we reserve the right to terminate your access to the Site and use of the Services, and you may be subject to various liabilities under the applicable laws. Specifically, Developer shall represent, warrant, and agree that you will not, and shall not encourage or authorize others to:
(a) use the Services in a way that violates any law or infringes the rights of any person;
(b) copy, rent, lease, sell, sublicence, or otherwise transfer your rights in relation to the Services and your Developer account to a third-party, unless in case of authorized business use as per these Terms;
(c) alter, reproduce, adapt, distribute, display, publish, reverse-engineer, translate, dissemble, decompile or otherwise attempt to create any source code that is derived from the Services;
(d) refuse to comply with additional verification procedures as determined to be necessary in our sole discretion, from time to time;
(e) circumvent, hack, disable, decompile, reverse-engineer, DDOS attack, password sniff, inject malicious code into, or interfere in any way with security-related features, robot- exclusion headers, technical measures, algorithms, source code, or digital rights management tools that restrict or limit use or copying of the Services or any contents on the Site and/or Interface;
(f) collect, cache, aggregate or store data or content accessed via the Services other than for purposes allowed under the Terms; you may not share such data or content with third-parties without our prior written authorization; you are expressly prohibited from recording data or content accessed via the Site through the use of any automated programs, software or any other methods of screen scraping;
(g) deep-link to any portion of the Services for any purpose;
(h) use the Services or any data or content contained on the Site in a manner that would constitute any fraudulent purpose;
(i) use the Service to encourage, promote, or participate in illegal activity, violate third-party rights, including intellectual property rights, or to violate the Terms or engage in any prohibited use;
(j) use the Services to facilitate, engage, or otherwise participate in trading with securities, as qualified by the applicable laws and regulations; and
(k) use the Services in a manner that could cause Oko to violate any applicable laws or regulations, or that could cause Oko to violate any contractual terms, representations, or warranties.
Developer acknowledges and agrees that Developer (and not Oko) is responsible for obtaining and maintaining all telecommunications, broadband, and computer hardware, equipment, software, and services needed for you to access the Site and use the Services, and paying all charges related thereto.
We, or a third-party engaged by us, subject to confidentiality obligations, shall be entitled to inspect and audit any records or activity related to your access of the Website or use of the Service for the purpose of verifying compliance with these Terms. We may exercise such audit right at any time upon notice and you will provide full cooperation and assistance to us, and shall ensure access to all information and records as necessary.
Oko shall use commercially reasonable efforts to provide Oko services in accordance with the applicable service level objectives, though such objectives may vary depending on the specific services utilized, the service tier selected by Developer, and various technical and operational factors. Developer acknowledges that the availability and performance of embedded wallet services may be affected by factors including but not limited to network conditions, blockchain network performance, distributed system dynamics, and maintenance activities.
From time to time, Oko may provide updates, enhancements, modifications, or other changes to Oko services. Oko reserves the right to modify its pricing or service terms as applicable. Oko shall use commercially reasonable efforts to provide Developer with reasonable prior notice of any material changes that might adversely impact Developer's use of Oko services, though the determination of what constitutes a material change shall be made by Oko in its reasonable discretion. Developer acknowledges that the Services may evolve over time and that continued use of the Services following any modifications shall constitute acceptance of such changes.
Oko may provide technical support and assistance to Developer in connection with the integration and use of Oko services. Developer acknowledges that Oko's support obligations are generally limited to issues directly related to Oko services and the underlying wallet infrastructure, and that Developer remains responsible for providing end user support for Developer's application, user interface, and business-specific features and functionality. Developer agrees to implement appropriate support processes and resources to address user inquiries and issues related to Developer's application and services.
All content and materials available on our Site and the Services, including but not limited to text, graphics, logos, images, and software, are the property of Oko, its Affiliates or its licensors are protected by copyright, trademark, and other intellectual property laws. Any software, documentation, technical specifications, or other materials provided to Developer hereunder shall be deemed a part of the Services and subject to the terms and conditions of this Agreement.
In relation to the Services (including the Embedded Services), the Developer shall not conduct any action that violates or may violate any intellectual property, including copyrights and trademark rights, or any other rights of Oko, its Affiliates or any third party. In particular, you acknowledge and agrees (a) that all intellectual property in the Services (including intellectual property in the application systems, text graphics, user interfaces, visual interfaces, sounds, artwork, designs, and computer code in respect thereof) is owned and/or licensed by Oko (“Oko IP”) and is protected by intellectual property laws, (b) by using the Services, you shall not acquire any right, title or interest in or to the Oko IP except for the right to use the Services pursuant to this Agreement, (c) not to (whether directly or indirectly) modify, adapt, copy, frame, scrape, rent, lease, license, transfer, loan, sell, distribute, publish, upload, display, transmit or create derivative works in respect of the Services in whole or in part and in any manner or form, (d) not to (whether directly or indirectly) use any data mining, robots, crawl, scrape, cache or use other similar data gathering or extraction methods to collection information from the Services (including using automated scripts), and shall not copy, modify, adapt, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, algorithm, methods or techniques embodied in the Services and/or the Oko IP, and/or sell, assign, sublicense, or otherwise transfer any right in the Oko IP.
For the avoidance of doubt, the Services may contain third party materials which are owned or licensed to by third parties, and Users shall not acquire any right, title or interest in such intellectual property rights of such third party materials.
This Agreement shall commence upon Developer's acceptance of these terms and shall continue until terminated in accordance with the provisions hereof. Either party may terminate this Agreement at any time, with or without cause, upon reasonable notice to the other party, though the specific notice requirements may vary depending on the circumstances of termination and the particular services being utilized. Oko will endeavour to provide reasonable notice of termination when practicable, of such cancellation of the Developer account but Developer acknowledges that immediate termination may be necessary in certain circumstances.
In the event that either party materially defaults in the performance of any respective duties or obligations under these Terms and does not substantially cure such default, or commence a cure, within thirty (30) days after being given written notice specifying the default, the non-defaulting party may, by giving written notice to the defaulting party, terminate this agreement. Oko may, by written notice to the Developer, terminate the Developer rights to use the Services without liability to Developer, if the Developer fail to pay the fees (where applicable) for the Services within thirty (30) days after the date on which Oko gives you notice of such non-payment. Any such suspension or termination of access to the Services does not relieve you from paying any past due amounts and any future amounts due to Oko through to the expiration date of this agreement or what would have been the expiration date had this agreement continued.
Upon termination, Developer's right to access and use Oko Services (including the Embedded services) shall immediately cease. Developer acknowledges that termination of this Agreement may affect the functionality of embedded wallets that have been integrated into Developer's applications, and that Developer may need to implement alternative solutions or migration procedures to maintain service continuity for end users.
OUR SITE AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. OKO DOES NOT WARRANT THAT OUR SITE OR THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF OUR SITE AND THE SERVICES IS AT YOUR OWN RISK.
THE PERFORMANCE OF THE SERVICES IS DIRECTLY LINKED TO THE PERFORMANCE OF THE UNRELATED THIRD PARTY SERVICE PROVIDERS. OKO DISCLAIMS ALL RESPONSIBILITY OF NON-PERFORMANCE OF THE SERVICE CAUSED BY NON-PERFORMANCE OF UNRELATED THIRD PARTY SERVICE PROVIDER.
OKO DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, OR FREE FROM DEFECTS, AND DEVELOPER ACKNOWLEDGES THAT THE USE OF BLOCKCHAIN TECHNOLOGY, DISTRIBUTED SYSTEMS, AND DIGITAL ASSET INFRASTRUCTURE INVOLVES INHERENT RISKS AND UNCERTAINTIES. OKO EXPRESSLY DISCLAIMS ANY LIABILITY, RESPONSIBILITY, OR OBLIGATIONS FOR ANY ISSUES, LOSSES, DAMAGES, OR PROBLEMS THAT MAY ARISE FROM FACTORS OUTSIDE OF OKO'S REASONABLE CONTROL.
YOU ACKNOWLEDGE AND UNDERSTAND THAT THE SERVICES AND ANY DIGITAL ASSETS YOU ACQUIRE THROUGH THE SERVICES COULD BE IMPACTED BY ONE OR MORE REGULATORY INQUIRIES OR REGULATORY ACTIONS, WHICH COULD IMPEDE OR LIMIT THE ABILITY OF OKO TO CONTINUE TO MAKE AVAILABLE OUR SERVICES TO YOU.
WITHOUT LIMITING THE FOREGOING, OKO MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING THE SECURITY, RELIABILITY, AVAILABILITY, OR PERFORMANCE OF DEVELOPER SERVICES, BLOCKCHAIN NETWORKS, DISTRIBUTED AUTHENTICATION NODES, OR OTHER SYSTEMS THAT MAY BE ACCESSED, UTILIZED, OR INTEGRATED IN CONNECTION WITH THE SERVICES.
OKO IS A DEVELOPER OF SOFTWARE. YOU UNDERSTAND, ACKNOWLEDGE AND AGREE THAT OKO (A) DOES NOT OFFER TRADE EXECUTION, CLEARING OR CUSTODY SERVICES; (B) HAS NO OVERSIGHT, INVOLVEMENT OR CONTROL CONCERNING YOUR TRANSACTIONS USING THE SERVICES; (C) EXCEPT AS OTHERWISE STATED IN THESE TERMS, DOES NOT, AT ANY POINT IN TIME, HAVE CUSTODY OF ANY OF YOUR DIGITAL ASSETS, WHICH SHALL AT ALL TIMES BE STORED IN THE OKO WALLET(S) AS CONNECTED BY YOU TO THE INTERFACE.
The Services or third parties may provide, links to other World Wide Web or accessible sites, applications, or resources. You acknowledge and agree that Oko is not responsible for the availability of such external sites, applications or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Oko will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such site or resource.
Developer agrees to indemnify and hold Oko, its Affiliates, and their directors, officers, employees, agents, third-party service providers and representatives (each, an ‘indemnified party’), harmless from any claim, demand or loss (including legal fees and any fines, fees or penalties imposed by any regulatory authority) arising out of or relate to (a) the Agreements; (b) your violation of any Applicable Law of any jurisdictions, or the rights of any third party, (c) your breach of any of the provisions of the Agreements; (d) your use of the Site, your Developer account, Oko Wallet, Embedded Wallet and/or the Services (including the Oko services); (e) the performance of any of our obligations under the Agreements with respect to you; or (f) any act, error, or omission of your use of your Developer account or any user (whether or not an approved Authorised Persons) of your Developer account, in connection with the Site, Oko Wallet, Embedded Wallet and/or the Services, including matters related to incorrect, incomplete, or misleading information, libel, infringement of an intellectual property right, in each case except to the except the loss is a direct result of the indemnified party’s own gross negligence, fraud or willful misconduct. You must pay the indemnified party on demand, any loss the indemnified party reasonably incurred in connection with the incidents described herein.
Neither party nor their respective Affiliates will be liable for any delay or failure to perform any obligation under these Terms where the delay or failure results from any cause beyond such party’s reasonable control, including but not limited to acts of God, utilities or other telecommunications failures, cyber attacks, earthquake, storms or other elements of nature, pandemics, blockages, embargoes, riots, acts or orders of government, acts of terrorism, or war.
You must comply with all applicable laws, regulations, licensing requirements and third party rights (including, without limitation, data privacy laws and anti-money laundering and countering the financing of terrorism laws) in your use of the Services.
This Agreement shall be governed by and construed in accordance with the laws of Panama, without giving effect to the rules, principles, or laws regarding conflicts of law thereof.
Any dispute arising under this Agreement (a “Dispute”) shall be resolved and shall be finally settled by arbitration in Panama at the Arbitration and Settlement Centre of Panama (“CECAP”) by a single arbitrator appointed under the arbitration rules of the CECAP in force at the time such arbitration is commenced. All disputes concerning or relating to arbitrability of Disputes under this Agreement or the jurisdiction of the arbitrators shall be resolved by the arbitrators. The venue and seat of arbitration shall be Panama, and all arbitration proceedings shall be confidential. The award rendered in any arbitration commenced hereunder shall be final and conclusive and binding upon the parties on the date it is rendered. The parties may enforce any award rendered by the arbitrator in any court of competent jurisdiction. IF FOR ANY REASON THIS ARBITRATION CLAUSE BECOMES NOT APPLICABLE, THEN EACH PARTY (I) TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HEREBY IRREVOCABLY WAIVES ALL RIGHTS TO TRIAL BY JURY AS TO ANY DISPUTE ARISING OUT OF OR RELATING TO THIS AGREEMENT; AND (II) SUBMITS TO THE EXCLUSIVE JURISDICTION AND VENUE OF THE COURTS LOCATED IN PANAMA, AND EACH PARTY AGREES NOT TO INSTITUTE ANY SUCH DISPUTE OR PROCEEDING IN ANY OTHER COURT IN ANY OTHER JURISDICTION OTHER THAN FOR PURPOSES OF ENFORCING AN ARBITRAL AWARD OR AWARD OF A COURT SPECIFIED IN THIS CLAUSE.
You and We agree that each may bring claims against the other only on an individual basis, and not as a plaintiff or class member in any purported class or representative proceeding. You and We expressly waive any right to file a class action or seek relief on a class basis. Unless both You and We agree, no arbitrator or judge may consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. If a court decides that applicable law precludes enforcement of any of this paragraph’s limitations as to a particular claim for relief, then that claim (and only that claim) must be severed from the arbitration and may be brought in court.
As a blockchain native company, we may interact with and provide Services to decentralized autonomous organizations (“DAOs”). Due to the unique nature of DAOs, to the extent the DAO votes in favor of and/or accepts all or any Services from Oko, the DAO has acknowledged and agreed to these Terms in their entirety.
Because we are constantly updating and developing Services, we sometimes need to provide additional terms for specific Services. For the avoidance of doubt, such Services are deemed part of the “Services” hereunder and shall also be subject to these Terms. These additional terms and/or agreements, which are available with the relevant Service, are incorporated by reference into these Terms.
In the event of a conflict between these Terms and any additional applicable terms or agreements we may provide for a specific Service, such additional terms or agreements shall control for that specific Service.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired.
You will not assign or otherwise transfer the agreement pursuant to these Terms or any of your rights and obligations under these Terms, without our prior written consent. We may assign the agreement pursuant to these Terms without your consent (a) in connection with a merger, acquisition or sale of all or substantially all of our assets, or (b) to any of our Affiliate or as part of a corporate reorganization; and effective upon such assignment, the assignee is deemed substituted for us as a party to these Terms and we are fully released from all of our obligations and duties to perform under these Terms. Subject to the foregoing, these Terms will be binding upon, and inure to the benefit of the parties and their respective permitted successors and assigns.
We may provide any notice to you under these Terms using commercially reasonable means, including: (i) posting a notice on the Site; (ii) sending a message to your email address; (iii) posting the notice in the interface of the Services; or (iv) using public communication channels. Notices we provide by posting on the Site or using public communication channels will be effective upon posting, and notices we provide by email will be effective when we send the email. It is your responsibility to keep your email address current to the extent you have an account. You will be deemed to have received any email sent to the email address then associated with your account when we send the email, whether or not you actually receive the email.
You may provide us notice under these Terms by contacting us by email at support@oko.app.
The failure by us to enforce any provisions under these Terms will not constitute a present or future waiver of such provision nor limit our right to enforce such provision at a later time. All waivers by us must be in writing to be effective.
These Terms, User Terms of Service, the Privacy Policy, and any other separate agreement between you and Oko constitute the entire understanding and agreement between you and us in respect of your access of the Website and use of the Service, and supersede any other communication, understanding or agreement between you and Oko concerning the Site and the Services.