The USD amount is locked at the exchange rate shown when you submit the form — not when XMR is received. You will receive exactly the USD shown in your order summary regardless of market movement during the 24-hour deposit window. Rate locks expire after 24 hours; if your XMR has not arrived by then, the order cancels and no funds are at risk.

Yes — as long as XMR has not yet arrived at the deposit address, you can cancel by messaging @ShroudSupport on Telegram with your order ID. Once XMR is detected on-chain, the order is irrevocable and USD settlement begins automatically.

Your routing and account numbers are encrypted with AES-256-GCM in your browser before the form is submitted. The encryption key is generated per-session and is never logged. The server receives only the ciphertext — it cannot read your bank details without the ephemeral key, which is purged immediately after the ACH/SEPA transfer is initiated. No plaintext bank data is ever written to a database.

Open a dispute within 7 days of your order confirmation using your order ID. Message @ShroudSupport on Telegram or use the dispute form below. We will investigate and either re-issue the transfer or return equivalent XMR to a wallet address you provide. All escrow funds are cryptographically accounted for and disputes are resolved within 48 hours.

No. We do not collect identity documents, do not file SARs, and do not share transaction data with third parties. We do not know who you are — only the bank account that will receive funds. Our infrastructure operates outside jurisdictions that mandate financial surveillance. Read our Manifesto for the full commitment.

When your order is created, USD equivalent is moved from the Shroud reserve into a 2-of-3 multi-sig escrow wallet. The three keyholders are: the Shroud settlement contract, an independent custodian, and a time-locked dispute arbiter. USD releases to your bank only when the on-chain Monero transaction reaches 10 confirmations. If the order expires or fails, 2-of-3 signers must agree to return funds to reserve — neither Shroud nor the custodian can unilaterally drain escrow.