Last updated: November 2026
Perly is four products under one name, with one account behind the ones that need an account: Perly App at app.perly.io, a private Bitcoin portfolio ledger; Perly Charts at charts.perly.io, public market charts — free and without an account; Perly Invoice at invoice.perly.io, a way to write an invoice or a bill and get it paid; and this website, perly.io, which explains them. These terms cover all four. Using any of them is agreeing to them, and opening an account writes down that you did — the date, and the version of this text that stood that day. Perly Pay at pay.perly.io, where a business takes payments in bitcoin and stablecoins straight to its own wallet, is run under its own Terms of Service and Privacy Policy.
Getting in touch. “Perly”, “we” and “us” in this document mean the service described above. Anything about it: hi@perly.io.
Records, charts and documents. In the application you type in your own transactions; Perly stores them and computes figures such as cost basis, profit and loss and return from what you entered. Perly Charts draws numbers that public feeds publish, and series we compute from them. Perly Invoice makes the document and keeps the record of what was sent, seen and settled. That is the whole service.
Not advice. Nothing on any of the four sites — no figure, chart, signal, guide or sentence — is investment, financial, tax or legal advice. The arithmetic is only as good as the entries you make, a chart is only as good as the feed behind it, and every decision you take on either is yours.
No custody. Perly never holds, moves or has access to your assets. It does not ask for seed phrases, private keys or exchange API keys, and it cannot touch your coins. Where a page offers to pay with a browser wallet — the pay page of an invoice — the transfer is signed in your own wallet and goes straight from you to the address printed on the page. Nothing passes through us on the way.
One account for everything. You open it in the application and it signs you in wherever an account is needed; the market charts need none. Give an e-mail address you read — the letters about your account that the Privacy Policy lists go there — and keep your password, or the Google or X account you sign in with, to yourself. What is done from your account is done by you.
Your age. Nothing here asks it, and there is no gate. Decisions about money are better made grown up; that judgement stays with you.
Fourteen days, then reading. Every new account has the whole application for fourteen days from the day it is opened, with nothing to pay and no card to leave. After that, adding and changing entries stop, and so does setting up anything new around them — goals, DCA plans, price and market alerts, watched addresses. You still read and export everything, the alerts you already set keep running, and you can still delete your own entries, your portfolios and the account itself. Perly Charts and Perly Invoice are free and take no part in this.
What is free. The market charts: every feed, chart and history, with no account. Perly Invoice: writing, sending and downloading documents, within a daily limit — twenty new documents and fifty PDFs a day on an account, five PDFs a day from one address without one — and a ceiling on what one account may hold: 2,000 documents in all, 1,000 contacts and 1,000 saved items. And the first fourteen days of the application.
What is for sale. A seat in the club, paid once, or a year of the subscription, both bought inside the application at the prices published on the pricing page. The checkout names the amount and the address to pay it to, in bitcoin or a dollar stablecoin, and what you bought opens once the payment has arrived and its sender has been screened.
Who is paid. The money goes to the team that builds Perly, and it is spent on building it — on the servers it runs on, the data it reads and the work of improving it. No middleman sits between you and that: a payment leaves your wallet and arrives at the address the checkout prints.
No refunds. Perly takes crypto and nothing else — no cards and no bank transfers. A crypto payment goes one way: once it has left your wallet it cannot be called back from ours. So there are no refunds. The fourteen free days are what stands in a refund's place: the deciding happens before the money does.
Sanctions. An address named on a public sanctions list gets no access to the interface. Funds that come from such an address are neither used nor spent: they stay where they are.
Nothing ever locks your data. When the fourteen days are up you still read, export and delete everything for as long as the account exists. And unless you turned encryption off, the amounts, prices and notes in your ledger are encrypted on your own device anyway.
A new account sets an encryption password before its first portfolio, and the key is made in your browser from a password we never receive; the recovery code is shown to you once. Lose both and those portfolios can never be opened again — not by you, not by us. There is no reset and no back door; that is what makes the encryption worth having, and it is the one place in Perly where a forgotten password costs data. The backup file the application offers is how you make sure it never does. You may turn encryption off in Settings, for the whole account at once.
What it is. A place to write an invoice for money you are owed, or a bill for money you owe, send it as a link or a PDF, and record what became of it. It is free, it has no payment rail, and it never touches the money: a client pays you at the bank account or wallet address you printed on the document, and whether they did is something you confirm, not something we know. A transaction a payer reports is shown as reported, not verified. If you switch on watching for a document, our job asks the public nodes of the chains it can read whether the payout address on it has received the amount, and marks the document paid when it has — reading a public chain, not holding anything.
The sender's responsibilities. You are the issuer of every document you write. You answer for what it says — the parties, the amounts, the tax it charges or does not, the number it carries — and for your right to invoice at all. Tax is yours: Perly does arithmetic on the rate you type, does not know which tax applies to you, and is not a tax adviser. Send a document only to somebody who has reason to expect it, about a real debt. Impersonating a business, invoicing for goods or services that do not exist, changing a payout address to divert somebody's payment, or using a document to phish or defraud is forbidden; we remove such documents and close such accounts when we find them or are told. To report one, write to hi@perly.io with its link.
Links, and who can read them. Every saved document has an unguessable link. Anyone who holds that link can open the document — both parties, the lines, the totals and your payout details — for as long as the document exists, and unless the document is private, a chat that unfurls the link shows its number, your name and the total. Turn on the private link and it asks for an eight-character code first, which you pass on another way; that guards the link, it does not encrypt the document. You decide whom to give a link to. You can delete a document at any time, sent or not, and its link stops opening; or void it while it is unpaid — it stays in your records, and its link then says it was cancelled.
The addressee. When the address on a document belongs to a Perly account that has confirmed that same e-mail, the document also appears in that account's Inbox, read-only, and they are told on Telegram if they connected it. They may refuse a sender, and every sender they have never paid is marked as a stranger asking for money — check the amount and the payout details against something they sent you outside Perly before you pay. One sender may deliver at most twenty documents a day to one address. A recipient's “I have paid” and a reported transaction are claims, and the sender confirms them.
We send nothing to your clients. Perly Invoice does not post documents to them. You send the link or the PDF yourself, from your own address, and “Remind” opens your own mail program with the letter written.
Deleting. A document is yours to delete at any time, whatever its status: its link stops opening, it leaves the addressee's Inbox, and it cannot be brought back. A document that has been sent is a record the addressee holds too, so while it is unpaid you can void it instead — it stays in your records and in their Inbox, marked cancelled, and its link says so. Deleting your account removes every document you wrote, sent or not: their links stop opening and they leave the addressees' Inboxes, with your contacts, saved items, payout details and schedules going too. What a client already downloaded stays with them. A document written to you by somebody else is theirs, and deleting your account does not delete it from their records.
Numbers as they arrive. The charts draw what public feeds publish — exchanges, aggregators, public blockchain nodes, government statistics — and the series we compute from them. A feed can be late, wrong or gone, and a computed series can be wrong; a chart shows what its source said, and nothing on the site is a prediction or a recommendation to buy or sell anything. A chart may change, move or break between one visit and the next, and the feedback form in the site's menu asks you to say what to fix.
For your own use. The market data on the site is for your own personal, non-commercial use — one of our providers, CoinMarketCap, licenses it to us on exactly that condition. Read it, save a picture of a chart, share a link; do not scrape the site or its feeds, republish the data, or build a service on it. Sources are named beside the charts that use them, on one line: “Powered by CoinGecko · Data provided by CoinMarketCap.com”. The application's prices come from CoinGecko, and from other public feeds when it does not answer.
Feedback. A note you leave is read by a person, and a contact you add is used only to answer you. The Privacy Policy says what a note holds and how long it is kept.
As is. Perly is provided as-is and as-available, without a promise of uninterrupted availability, of accuracy or of fitness for a particular purpose. If the application is ever discontinued, its last release is opened under a free licence and you have a reasonable time to export your records — and the export works today, not only then.
Changes to these terms. The date at the top says when this text last changed, and the application records which version stood when you opened your account. You can export your data and leave at any time.
Ending. You can delete your account at any time in Settings. The deletion is immediate and permanent, and the Privacy Policy says exactly what goes and what stays. We close an account that breaks these terms — above all one used for fraud, phishing or attacks on the service — and we tell you why; unless the law forbids it, you can still export your records first.
What we are not liable for. Not for any trading, investment or tax decision you take, for any profit or loss you realise, for market movements, or for the acts of any exchange, wallet, bank, custodian or blockchain you use. Not for a client who does not pay an invoice, for a document whose figures you entered wrongly, or for what a person who holds a link you shared does with it. Not for a feed that was wrong or late on the charts. Not for indirect or consequential loss, for data you entered incorrectly, or for downtime — all to the extent the law allows. Perly reports what you recorded and what its sources published; it verifies neither.
What we do answer for. Our products and their working: that the application, the charts and the invoicing site do what these terms say they do, and that they keep running. That is the whole of it — beyond our own products and their working we answer for nothing.
What the law keeps. Nothing here limits what cannot be limited: liability for intent or gross negligence, for death or personal injury, or the rights a consumer has under the law of their own country that cannot be signed away. Those stay whatever this page says.
Talk first. Write to hi@perly.io before anything else. Most problems here are a wrong entry, a document a client has not paid yet or a misunderstanding, and a person answers.
What we cannot do. Perly holds no keys and no funds, so it cannot execute a trade, move a balance, reverse a payment or recover a lost wallet or vault — no matter who asks. If anyone claiming to be Perly asks for your seed phrase, private keys, exchange API keys or encryption password, it is not us. We never ask.
Questions: hi@perly.io
© 2026 Perly. All rights reserved.