TERMS OF USE
Effective Date: October 1,2023
Website: https://developer.capstone.cn.com
Company: Capstone Limited ("Capstone", "we", "us", or "our")
1. INTRODUCTION
These Terms of Use govern your access to and use of https://developer.capstone.cn.com (the "Website"), operated by Capstone Limited. This Website facilitates project-based development engagements with developers contracted and paid by Capstone Limited.
2. SERVICES
Capstone Limited operates as a multifaceted technology solutions provider, specializing in the orchestration and delivery of global software development services. Through our platform, we manage end-to-end project engagements by contracting vetted developers, consultants, and engineering teams to fulfill tailored technical requirements on behalf of our enterprise and institutional clients.
In addition to managed developer engagements, Capstone also curates and commercializes a proprietary library of enterprise-grade code modules, templates, and API components. These assets are designed to accelerate deployment and integration within regulated or high-performance environments, such as fintech infrastructure, trading platforms, AML/KYC systems, and back-office automation.
This dual business model allows Capstone to serve clients with:
Fully managed development teams under fixed milestones or agile sprints.
Ready-to-deploy proprietary code solutions built for scalability, security, and compliance.
All transactions, including developer compensation and code licensing, are executed through transparent, auditable processes aligned with global financial standards.
3. MODE OF PAYMENT
All payments made by Capstone to developers are executed solely via wire transfer. Capstone does not use checks, digital wallets, or cash disbursements for any developer compensation.
4. PAYMENT MEMO FORMAT FOR COMPLIANCE
Each wire transfer made by Capstone will contain a reference code in the memo field. This code is mandatory for traceability, bank compliance, and internal audit requirements.
4.1 Standard Format
Payments will be processed with the following standardized memo reference:
Format:
Sent Order Based On BFXWW Inc. Ref ID [Unique Transaction Number]
4.2 Examples
Version Update as of Today:
Line 1: Payment of Invoice
Line 2: BFX (Batch File Exchange)
Line 3: ww/inc/Reference/231564
Line 1: Invoice Payment : Goods & Services
Line 2: BFX - WW
Line 3: inc/Reference/23156432
Send OBO-BFX-WW Inc/ Ref id 02345678
Send OBO-BFX-NA Inc/ Ref id 01011121
4.3 Definitions
Sent obo = Sent Order Based On
BFXWW Inc. = Batch File Exchange – Worldwide Transactions
BFXNA Inc. = Batch File Exchange – North America Transactions
Ref ID = A unique transaction reference identifier issued internally by Capstone for reconciliation and verification.
The use of either BFXWW Inc. or BFXNA Inc. is determined by the developer’s region:
BFXWW Inc. = Developers located outside North America
BFXNA Inc. = Developers located within North America (U.S., Canada, Mexico)
4.4 Purpose
This memo format:
Establishes the payment as Capstone’s contractual obligation.
Enables traceability across banking institutions.
Facilitates regulatory reviews and AML monitoring.
Distinguishes Capstone payments from third-party or pass-through transactions.
5. REGULATORY COMPLIANCE
Capstone adheres to global banking compliance standards and performs full KYC/KYB due diligence on all counterparties. All wire payments are issued from Capstone’s own bank accounts under its legal name and authority.
6. MODIFICATION OF TERMS
Capstone reserves the right to amend these Terms at any time. Updated versions will be posted on the Website. Continued use of Capstone.cn.com implies acceptance of the modified Terms.
7. CONTACT INFORMATION
For bank verification, audit support, or compliance inquiries:
Capstone Limited - Compliance Department