> For the complete documentation index, see [llms.txt](https://xnect-me.gitbook.io/xnect.me/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://xnect-me.gitbook.io/xnect.me/payment-and-refund-policy.md).

# 💳 Payment & Refund Policy

## **🔐 Supported Payment Methods**

* **BNB (BEP-20)**: Fast, low-fee transactions via Binance Smart Chain
* **MetaMask/Trust Wallet**: Direct integration with leading crypto wallets
* **BNB Chain Bridges**: Convert from Ethereum/Polygon networks if needed

## **⏱️ Refund Conditions**

| Scenario             | Refund Amount         | Processing Time                |
| -------------------- | --------------------- | ------------------------------ |
| Unanswered Questions | 45% of question value | 24-48 hours                    |
| Fraudulent Activity  | 100% refund           | 72 hours (after investigation) |
| Technical Errors     | 100% refund           | Immediate upon verification    |

## **🚨 Security Measures**

* **Two-Factor Authentication**: Required for wallet connections
* **Transaction Limits**: Customizable daily spending caps
* **IP Whitelisting**: Restrict access to trusted devices

## **❓ Common Questions**

* **Q: How do I claim a refund?**\
  A: Unanswered questions trigger a 45% refund, questioner needs to claim the refund by themselves.
* **Q: Can I change my wallet address?**\
  A: After binding the wallet, replacement is not supported for the time being. Both the reward for answering and the share from onlookers for this question will be credited to the bound wallet. However, there is no restriction on the wallet used for making payments when asking questions.
* **Q: Are there transaction fees?**\
  A: Yes, BNB network fees apply (approximately $0.10-$0.50 per transaction).