Privacy & TermsPayments, XCJ & Dedun Terms
How XCJ, Dedun wallets, transfers, partner exchanges, buyer protection and identity verification work.
What XCJ is
XCJ is the unit of value used across Xcojo products to pay, sell and earn. Your XCJ balance is held in your Dedun wallet and recorded in Xcojo’s ledger. XCJ is not a bank deposit or an investment, does not earn interest, and is not a cryptocurrency. Exchange rates between XCJ and local currencies are published by Xcojo and may change.
Buying and selling XCJ
You can buy or sell XCJ through approved Xcojo Partners and their agents in your country, online or at a counter, and through supported payment methods. Partners are independent businesses responsible for the local-currency side of the exchange and for meeting local laws. Always use partners listed in Dedun.
Limits and identity verification
Everyday amounts work with any Xcojo Account. Higher limits require optional identity verification (a government ID and selfie, reviewed by Xcojo staff). Large transfers are confirmed with your passkey. We may set, change or temporarily lower limits to prevent fraud and meet anti-money-laundering and counter-terrorist-financing obligations, and may ask for more information.
Transfers
Check the recipient before sending — transfers to other people are usually immediate and can’t be reversed by Xcojo. If you think you were scammed, report it right away in the Safety Center.
Buyer protection
On Beher and ECO, payment is held until the order is delivered or the trip completed. If something goes wrong, open a dispute; Xcojo reviews evidence from both sides and may refund the buyer or release the payment to the seller.
Fees
Fees (such as Beher and ECO service fees and partner exchange spreads) are shown before you confirm. Xcojo may change fees with notice.
Prohibited uses
Don’t use XCJ or Dedun for illegal activity, fraud, money laundering, sanctions evasion, gambling where illegal, or to buy prohibited items. We may freeze funds and report activity as the law requires.
Stocrib and third-party trading
Stocrib shows market information and lets you trade crypto through your own Bybit account. Xcojo is not a broker, exchange or adviser and does not hold your trading funds. See Stocrib’s risk disclosures.