How to Display Quote Disclaimers

Overview

Regulators in the US, the EEA and the UK require users to see certain notices before they buy or sell crypto. If you build your own checkout with the White-label API, you must show them in your UI.

Every Get Quote API response includes a termsIds array that lists the disclaimers for that quote. For each ID, show the text from this guide on the screen listed in Terms IDs.

Transak decides which IDs to return for each quote based on:

• User’s KYC country: the disclaimers depend on the country from the user’s KYC. If you call Get Quote without user authentication headers, termsIds is always empty.
• Order type: for EEA users, buy quotes return MICA_EEA_BUY and sell quotes return MICA_EEA_SELL.
• Order history (Transak and Coinme): on the user’s first order with the provider, the quote returns its full terms (TRANSAK_TERMS_OF_SERVICE or COINME_USER_AGREEMENT). On later orders, it returns a shorter confirmation, US_TERMS_RETURNING. Transak keeps track of this, so you only need to show what termsIds returns.
• Zero Hash orders: ZEROHASH_USER_AGREEMENT has no shorter version. The quote returns it on every order, so always show the full agreement.

The fiat currency of the quote does not decide which disclaimers are returned. An EEA user paying in USD still gets MICA_EEA_BUY, and a EUR quote for a user outside the EEA gets no MiCA disclaimer.

How it works?

{
  "data": {
    "termsIds": ["ZEROHASH_USER_AGREEMENT"],
    "quoteId": "097a4e42-553d-4162-834f-b02006cf0dd7",
    "fiatCurrency": "USD",
    "cryptoCurrency": "USDC",
    "network": "ethereum",
    ...
  }
}

Terms IDs

These are the Terms IDs that the Get Quote API can return in termsIds, with the screen where each disclaimer is shown.

Terms ID	Screen	Disclaimer	Sample
TRANSAK_TERMS_OF_SERVICE	Order confirmation screen	Transak Terms of Service
COINME_USER_AGREEMENT	Order confirmation screen	Coinme User Agreement
US_TERMS_RETURNING	Order confirmation screen	Returning US Users
ZEROHASH_USER_AGREEMENT	Order confirmation screen	Zero Hash User Agreement
MICA_EEA_BUY	Quote screen	MiCA Buy Disclaimer
MICA_EEA_BUY	Order confirmation screen	MiCA Buy Disclaimer
MICA_EEA_SELL	Quote screen	MiCA Sell Disclaimer
MICA_EEA_SELL	Order confirmation screen	MiCA Sell Disclaimer
GB_INVESTMENT_RISK_WARNING	Quote screen	UK Investment Risk Warning
GB_INVESTMENT_RISK_WARNING	Order confirmation screen	UK Investment Risk Warning

Click a Terms ID to jump to its disclaimer. Each one lists its type, screen and button, with a Preview tab that shows how the text renders and an HTML tab you can copy into your app.

US Disclaimers

• Transak and Coinme: on the user’s first order with the provider, termsIds returns its terms (TRANSAK_TERMS_OF_SERVICE or COINME_USER_AGREEMENT), with an Agree and Confirm order button. Once the user has agreed, later orders return US_TERMS_RETURNING instead, with a Confirm order button. Show whichever ID the quote returns; you don’t need to track which users have agreed.
• Zero Hash: ZEROHASH_USER_AGREEMENT is returned on every order, with the same text.

EEA Disclaimers (MiCA)

Show these on both the quote screen and the order confirmation screen, above the button, where the user sees them without scrolling. Do not place them inside their own scrolling area.

UK Disclaimer