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Drakkar BitBlik coordinator - terms of use

By Drakkar November 13, 2026

Drakkar — Terms of Use

Version: 1.0
Effective date: 2026-11-13
Coordinator: Drakkar
Operator and support contact: @54ll…77vn

1. About the service

Drakkar is an independently operated coordinator using the BitBlik protocol to facilitate exchanges between BLIK payments in Polish złoty (PLN) and bitcoin over the Lightning Network.

The coordinator manages trade messages, Lightning hold invoices, settlement and dispute handling according to the protocol and the circumstances of each trade.

Drakkar is not a bank and is not affiliated with the BLIK payment system or the developers of BitBlik. The service is not a savings account or a general-purpose wallet. Do not send funds outside the invoices and instructions generated for your specific trade.

2. Eligibility and permitted use

You must be at least 18 years old, legally able to enter into the transaction, and permitted to use this service under the laws applicable to you.

Use only funds and payment instruments you are authorized to use, and comply with your bank’s applicable terms and restrictions.

Fraud, stolen funds, unauthorized account access, money laundering, evasion of applicable sanctions, and other unlawful uses are prohibited.

Do not use the service to move money for an unknown third party or in response to pressure, impersonation, or promises of a commission. If someone directs you to generate a BLIK code or approve a payment you do not understand, stop.

We may refuse new trades or restrict access where reasonably necessary to address suspected abuse, technical risk, or legal obligations. This does not automatically forfeit funds involved in an existing trade.

3. Before accepting a trade

Review the payment method, amount, exchange rate or premium, fees, and time limits shown in the application before committing.

Creating, reserving, or funding an offer does not mean the exchange has completed. Follow the trade’s current status and instructions.

A BLIK code is sensitive payment information. Submit it only through the intended trade flow. Never disclose your bank password, PIN, one-time login credentials, Nostr private key, wallet seed, or recovery phrase to the operator or another trader.

Check the amount and transaction details shown by your banking application before approving a request. Do not approve unexpected or duplicate requests.

If the displayed amounts or instructions appear incorrect, do not proceed. Contact the operator.

4. Fees

The coordinator’s maker and taker fee rates are displayed in the application. Review the applicable fees, any offer-specific premium, and the resulting amounts before accepting a trade.

Percentage-based coordinator fees are calculated from the applicable satoshi amount and rounded up to a whole satoshi. For example, a 0.5% fee on 10,000 sats is 50 sats.

Banks, wallets, payment providers, and the Lightning Network may impose separate charges outside the coordinator’s control.

Changes to fee rates apply to new trades, not retroactively to alter an existing trade’s agreed fees.

5. Trade responsibilities and time limits

Both parties must remain available during the trade and complete their steps within the displayed time limits.

You are responsible for:

  • Funding only the invoice associated with your trade.
  • Providing a valid BLIK code when required.
  • Approving only the corresponding intended banking request.
  • Accurately reporting whether payment or cash receipt occurred.
  • Providing valid receiving details when requested.
  • Promptly raising a dispute if the actual outcome differs from the application’s status.

Do not report a payment as successful unless it actually succeeded. Do not report failure solely because an application update or notification is delayed.

Expiry of a code, invoice, or timer does not by itself prove whether a payment succeeded. An uncertain outcome may require reconciliation or dispute review.

6. Settlement, cancellation, and refunds

Lightning hold invoices allow funds to remain pending while a trade progresses. Depending on the trade state, an invoice may be settled or cancelled, and a separate Lightning payout may be required.

Cancellation of an unsettled hold invoice generally releases the held payment through the payer’s wallet and the Lightning Network. It is not the same as reversing a settled payment.

Completed BLIK transactions and settled Lightning payments may be irreversible. The coordinator cannot promise to reverse bank transactions or recover funds from another person.

If a payment outcome is uncertain, further action may be paused while the original transaction is checked. A timeout or temporarily unavailable status does not by itself justify a replacement payment.

Where a refund or payout is due, completion may depend on valid receiving details, wallet availability, liquidity, network conditions, and dispute review. Refunds are not guaranteed to be immediate.

7. Disputes and support

Report disputed trades as soon as possible through the application’s dispute process. Contact the operator through the Nostr identity listed above if additional assistance is needed.

Include the trade identifier and a clear explanation of what happened.

Relevant evidence may include banking confirmations, transaction status, timestamps, amounts, ATM or payment receipts, trade messages, and Lightning payment information.

Redact unrelated transactions and personal information where possible. Never send bank passwords, PINs, recovery phrases, or private keys. Do not publish BLIK codes or dispute evidence on public Nostr feeds.

Decisions may take account of protocol records, payment status, evidence from both parties, and inconsistencies in the available information. Further information may be requested before a decision is made.

Support is manually operated and is not available continuously. No fixed response or resolution time is guaranteed. Do not use the service if you require immediate or round-the-clock assistance.

Requests for reconsideration should explain which facts or evidence were missed. Nothing in these terms removes rights or remedies available under applicable law.

8. Availability and risks

The service is not guaranteed to be available continuously.

Risks include software defects, delayed messages, relay outages, bank restrictions, insufficient Lightning liquidity, connectivity failures, compromised devices, and dishonest counterparties.

Technical protections reduce some risks but do not guarantee successful completion of every trade or recovery of every loss. Use amounts appropriate to your understanding and tolerance of these risks.

Keep control of your account keys and maintain application backups. Losing keys or browser storage may prevent access to trade history or the ability to prove control of an account.

9. Privacy and records

The coordinator processes information needed to operate trades and resolve problems. This may include Nostr public keys, offer details, amounts, timestamps, payment identifiers, invoice information, messages, logs, and dispute evidence.

Offers and some coordinator information are published through Nostr and may be public. Copies may remain on independent relays or with other participants after the operator removes local copies.

Private messages and evidence may use encryption, but this does not make the service anonymous or prevent intended recipients from retaining or disclosing information.

Banks, counterparties, relays, evidence-storage services, and other infrastructure providers may process information under their own policies.

Trade records, logs, and backups are not guaranteed to be automatically deleted. Records may be retained for operation, security, dispute resolution, and applicable legal obligations. Contact the operator for information about retention or to make a privacy request.

Do not submit unnecessary personal information. The operator cannot delete copies held independently by other users, banks, or Nostr infrastructure.

Information may be disclosed when legally required or where permitted and reasonably necessary to investigate fraud or protect affected parties.

10. Responsibility and liability

You are responsible for your decisions, device security, and compliance with applicable law. The operator remains responsible for their conduct to the extent required by applicable law.

To the extent legally permitted, the operator does not guarantee uninterrupted operation or successful completion of every trade and excludes liability for indirect or consequential losses.

Nothing in these terms excludes liability that cannot lawfully be excluded, including applicable liability for fraud, intentional misconduct, or gross negligence, or mandatory consumer rights.

11. Changes and suspension

Material revisions will be identified with a new version and effective date.

Revised terms apply to new trades accepted after they take effect, not retroactively to change an existing trade’s agreed fees or outcome.

Acceptance of new trades may be suspended for maintenance, security, operational, or legal reasons. Existing obligations and disputes remain subject to appropriate handling.

12. Applicable law and contact

These terms are subject to applicable law and do not override mandatory consumer protections or other rights that cannot legally be waived.

For questions, complaints, disputes, or privacy requests, contact:

@54ll…77vn

Include your trade identifier where relevant. Do not include private keys, recovery phrases, bank login credentials, or an active BLIK code.

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