Terms of use

Konekt Live

• Vouchers. A voucher gives internet at any BM community hotspot: 1 Hour (K2), Day Pass (K5, 1 GB), Weekly (K20, 5 GB), 14-Day (K35, 10 GB), 28-Day (K55, 20 GB) and Monthly (K60, 20 GB). Prices are set by BM and may change; the price shown when you buy applies.
• Time starts when you first connect and runs on the clock, whether or not you stay connected. The voucher ends when its time or its data runs out, whichever comes first. A part-used voucher keeps working at any other BM hotspot.
• Only vouchers bought through Konekt work at a BM hotspot. Keep your code private — anyone who has it can use it.
• Agents sell vouchers and take cash top-ups. Becoming an agent needs you to be 18 or older, two wantoks who vouch for you, a joining fee (K500, or K300 with two wantoks) and an annual renewal (K150). The Konekt Reseller Terms shown in the app when you apply form part of your agreement with us.
• At hotspots, you must not share one voucher between devices beyond what the voucher allows, or use the connection for anything unlawful.

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WanBung Live

• WanBung helps families organise and record contributions for brideprice, haus krai and kiosk fundraisers. BM does not decide what anyone owes; families and organisers do.
• Creating an event costs an event fee shown before you pay (currently K25).
• Paying online. Contributions paid online go to the event's BM Pay account. A platform fee of 2.5% applies to money paid online; money paid by bank transfer is passed on in full. Organisers are paid to their verified bank account, normally within 2 working days.
• In-kind pledges (pigs, food, goods) are arranged between families. BM records them but takes no part in delivering them.
• Kiosk fundraisers raise money to buy a Village Fast Internet Kiosk outright or to pay its hire deposit. The target is set by BM. When it is reached, BM staff confirm it and the money goes to Blockchain Melanesia for the kiosk; the fundraiser then closes to new pledges. Money given by bank transfer or mobile money outside BM Pay is handled by BM staff separately.

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Dinau Buk Live

• Dinau Buk records loans between people and book-up at stores. BM is not the lender. The lender sets the amount, the interest and the due date, and the borrower accepts or declines them before any money moves.
• A loan can be up to K1,000, and the interest a lender can set is capped at 100% of the loan. Borrowers should only accept terms they can repay.
• Repaying through a BM method (BM wallet or BSP Pay) carries a one-time 5% system fee, shown before you pay; repaying in cash carries no Dinau fee.
• We record whether repayments are made on time, to run Dinau Buk. We do not sell it.
• Lending features may need approval from the Bank of PNG; see our regulatory status page.

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Rentim Pilot

• Rentim connects owners with people renting homes, rooms and vehicles. The rental agreement is between the owner and the renter.
• Fees are shown before you confirm: 1% on property rent paid through the app, 7% on vehicle hire, and a K15 booking fee.
• Bonds are paid to the owner and returned by the owner at the end of the rental, less any damage agreed or decided. BM does not hold bonds.
• Leases in the app use plain-language clauses, including 30 days' notice to end. They are not legal advice.
• To hire a vehicle you must give a valid driver's licence, which the owner can see.

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SkulFi Pilot

• Schools use SkulFi to take and record school-fee payments. Schools pay a subscription (K500 a year, or K800 for Premium).
• Fee payments go to the school's own BM Pay account. SkulFi does not charge parents a fee on school-fee payments.
• The school sets the fees and decides on corrections and refunds. Every receipt and correction stays on record.
• Schools are responsible for the student and guardian details they enter, and for having the guardian's permission to do so.

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Wan PMV Pilot

• Wan PMV connects riders with drivers for rides, PMV fares and parcels. The ride is between you and the driver.
• The fare is worked out from a base fare, distance and time, with a K10 minimum, and is shown before you book.
• Drivers pay Wan PMV a 12% commission. Drivers must pass identity checks, keep their documents current, and follow the safety rules in the app; unpaid commission leads to penalties and then suspension.
• Use the SOS button only in a real emergency. It sends your live location and trip details to BM.

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Bisnis Stoa Pilot

• Bisnis Stoa gives trade stores a till, stock control and book-up records on a phone.
• After a free trial, a store pays a subscription: Basic K30 a month or Premium K60 a month. We remind you 7 days and 2 days before it renews.
• The store owner is responsible for the customer and book-up records they keep, and for treating their customers fairly.

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Haus Stap Pilot

• Haus Stap connects guests with hosts, guesthouses and hotels for short stays. The booking is between the guest and the host.
• Guests pay a booking fee shown before they confirm (K15 for hotels, K10 for other hosts). Hosts pay a commission (5% for hotels, 8% for others). Hosts are paid the day after check-in, into their BM Wallet. A host who adds a bank account in BM Pay (verified by BM) has their wallet balance sent to it in BM's regular payouts, once it reaches K50.
• If a guest cancels late, the money the guest does not get back is shared between the host and BM in the same proportion as a completed stay.
• If a host cancels a paid booking, the guest gets everything back (the stay, the booking fee and any extras) and the host gets nothing for that stay. The host must give a reason, which the guest sees. Hosts cannot cancel once the stay has started (then BM decides), and places that cancel often may be suspended.
• Guests can cancel up to check-in day; once the stay has started it can no longer be cancelled.
• Each listing shows its cancellation policy — Flexible, Moderate or Strict — before you book (see Cancellations). A booking cancelled within 24 hours of being made is refunded in full if check-in was at least 7 days away.
• Guests give their full name and ID number before check-in, which the host can see. Hosts must list only places they are allowed to rent out and keep them safe and as described.
• An unpaid booking holds the room for 1 hour, then it goes back on sale. If a payment arrives after the room has gone, everything the guest paid is returned to their BM Wallet.
• Hosts may offer paid extras from BM's list, at their own prices; BM's commission on extras is the same as on the stay.
• A "Security checked" badge means BM staff visited in person and confirmed a fence or gate that locks, a guard or the host on site at night, a guest room that locks with outside lights, and secure parking. It lasts 12 months and can be removed after a substantiated guest report. It is not a guarantee of safety.

Haus Stap: Privacy · Cookies · Refunds · Cancellations · Delivery · all Haus Stap policies

Bihain Baim Not yet open

Bihain Baim is not yet open to the public. When it opens, these rules will apply:

• You pay for a purchase in four instalments, one every two weeks. The customer fee is shown before you agree.
• How much you can borrow depends on the income you declare and an affordability limit. You must name wantoks who agree to help if a payment is late.
• The first 7 days of a late payment are free. After that there is a K2 fee (day 8) and a K5 fee (day 15), never more than 15% of the instalment.
• Merchants agree to a 7% merchant fee and are paid up front.
• Buy-now-pay-later may need approval from the Bank of PNG before it opens.

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PNGx In build

PNGx is in build and not yet generally available. When it opens, these rules will apply:

• Your crypto sits in your own wallet, created with your BM ID. Your keys are split so that no single party — not you alone, and not BM — can move your funds. BM cannot reverse a transaction on the blockchain.
• Crypto prices can fall as well as rise, and you can lose money. Crypto is not legal tender in PNG and is not a bank deposit.
• Fees are shown before you confirm, including the swap fee for your tier (0.50%–0.85%) and 1% to move kina in or out.
• Exchanging crypto for kina is a regulated activity. The kina ramp opens only once the necessary licensing is in place. Large trades go through our OTC desk, which asks anti-money-laundering questions required by law.

PNGx: Privacy · Cookies · Refunds · Cancellations · Delivery · all PNGx policies

Invest Antap In design

Invest Antap is in design and not available. Nothing on our website or in any demo is an offer to invest, deposit or earn a return. Terms will be published before it opens, subject to any approval it needs.

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Niubalus Planned

Niubalus bookings are not yet open. Flights are operated by Niubalus Logistics under PNG civil aviation rules, not by Blockchain Melanesia. Booking and payment terms will be published before bookings open.

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Singsing Live test

• Singsing lets bookers book bands, organisers sell gig tickets, and musicians hire instruments and production gear. Singsing is run by Blockchain Melanesia with Audio Technik PNG.
• Plans: booker K250 a year; band K50 a year; artist K35 a year.
• Band bookings are made under a Performance Agreement shown before you pay. You pay the band's price, a K10 lock-in, and a 10% Booking Guarantee fee. The band is paid half the day before the performance and half the day after.
• Tickets cost the face value plus 5% and K1. Each ticket is a signed QR code checked at the gate. Resale is capped at face value.
• Instrument hire: the renter pays 8% and the owner pays 12%, plus a bond. Hand-over and return are recorded with codes and photos.
• Klia music: songs you register are timestamped on the Solana blockchain, which is permanent. Only upload music you own or have the right to share.

Singsing: Privacy · Cookies · Refunds · Cancellations · Delivery · all Singsing policies

Yumitu Private pilot

Yumitu is in a private pilot. These terms apply to everyone taking part.

• Who can join. You must be 18 or older and use your own BM ID. One account per person. Yumitu is for Papua New Guineans living in PNG and PNG people living overseas. Matching is between women and men.
• Verification. Every member passes a live selfie check that compares your selfie with your profile photos. Your photos must be of you, show your face clearly, and must not show nudity, children, or an ID card, licence or bank card. Sex and date of birth cannot be changed after you are verified.
• Checks by computer and by people. Photos, voice intros and messages are checked before others see them — automatically, using an AI service from Anthropic, and by trained BM staff — against Papua New Guinea law (including the Cybercrime Code) and these rules. A check can hold back or hide a photo, voice intro or message. Only BM staff can ban an account.
• Not allowed: asking anyone for money, gifts, phone credit or bank details; scams and fake profiles; threats, harassment, blackmail or sharing someone's photos; sexual content; anyone under 18; pretending to be someone else; selling or promoting anything. Breaking these rules can get your account banned. A banned person who comes back on the same phone is hidden until staff review it.
• Balance between women and men. Each town and age group is kept at about 45–55% women. When a group is full, men may have to wait for a place (a queue that staff can switch on or off). Women never wait.
• Free and paid. Joining, verification, browsing, matching and chatting are free. Optional extras: Day pass K3, Week pass K10, Month pass K29 (Premium); 5 strong-likes K3; Evening boost K5; ID-Verified+ K10; Fast-track place K5; Matchmaker K250 (5 introductions hand-picked by BM staff over 30 days); Diaspora search K125 for 30 days. Women get Premium free for their first 90 days. Prices are shown before you pay through BM Pay. Nothing renews automatically.
• Matchmaker. You tell the matchmaker who you hope to meet; staff choose people and write a short reason. Both people must say yes before a chat opens. We cannot promise a match.
• Diaspora search. Lets you search all of PNG and PNG people overseas. Women living in PNG are shown to members overseas only if they switch this on themselves.
• Wantok in the loop. You can give up to three people you trust a private link that shows who you have matched with (never your messages). You are responsible for who you give it to; you can stop a link at any time and it ends after 90 days. People you match with can see that a wantok is in the loop.
• Yumitu nights are events sold on Singsing under Singsing's ticket terms.
• Safety check-in. If you give us a wantok's number for a date, you confirm they agreed to be contacted. We text them only if you miss your check-in. A text can fail or be late, so always tell someone yourself too.
• Meeting people. Members are verified, but BM cannot guarantee anyone's behaviour. Meet in a public place in daylight, tell someone you trust (the app's "Share my date" helps), and never send money to someone you met on Yumitu. Report anything worrying in the app.
• During the pilot some accounts are labelled TEST; they are run by BM and are not real people.

Yumitu: Privacy · Cookies · Refunds · Cancellations · Delivery · all Yumitu policies

BM Store Live

• The store sells Starlink kits and mounts, Tangem hardware wallets and Village Fast Internet Kiosks. Prices are in kina and include GST; the price at checkout applies.
• You can pay by BSP Pay, BM wallet or Visa card (through DOKU). Card details are entered on the payment provider's secure page; we never see or store your full card number.
• A Starlink kit needs a Starlink service plan, which is an agreement between you and Starlink.
• Manufacturer warranties are passed on to you. We help you make a warranty claim.

BM Store: Privacy · Cookies · Refunds · Cancellations · Delivery · all BM Store policies

Kiosk purchase & hire Live

• A Village Fast Internet Kiosk costs K100,000, delivered, installed and set up with Konekt.
• Hire: pay a 25% deposit (K25,000). After that, 40% of every voucher sold at that kiosk goes towards the remaining K75,000 until it is paid. There is no premium and no interest: you pay K100,000 in total, and the kiosk is then yours.
• While on hire, the kiosk belongs to Blockchain Melanesia. A hire needs an organisation with a signatory and a named Konekt agent, and is set out in a written hire agreement, which wins if it conflicts with this page.
• If sales stop, we may pause the service rather than remove the kiosk, and talk with you about the site.
• How sales are shared. Sales are counted at the kiosk where each voucher is first used; reward, free and staff-issued vouchers do not count. During a hire, 40% of each counted voucher goes to the balance, the kiosk's agent earns 15% of vouchers bought online (agents already keep 15% on cash sales through their discount), and Blockchain Melanesia keeps the rest, which pays for the Starlink plan, support and payments.
• Once the kiosk is yours (bought outright, or the hire paid off), you earn 60% of each counted voucher, the agent 15% as above, and Blockchain Melanesia 25%. Earnings are paid weekly into your BM Wallet after BM staff approve the week's payouts; there is no minimum. To be paid, open My kiosk in the Konekt app once so your BM ID is linked.

Kiosk purchase & hire: Privacy · Cookies · Refunds · Cancellations · Delivery · all Kiosk purchase & hire policies

Refer & Earn Live

• Anyone with a BM ID can take part. Your code is personal — you can't sell or transfer it.
• You earn when someone uses your link or code and their order is paid in full: 1 × K35 14-Day Konekt voucher for a Starlink kit or bundle, sent 7 days after payment (after the return window), or 15 × K55 28-Day Konekt vouchers for a Village Fast Internet Kiosk, sent once it is paid — or, for a hire, once the 25% deposit is paid.
• No reward for your own order, an order that is refunded or returned, or a sale that did not come through your link or code. One reward per order; if more than one code is used, the first one recorded counts.
• Vouchers go to the phone on your BM ID, follow the normal Konekt voucher rules and have no cash value. If a referred order is refunded after the reward was sent, unused vouchers may be cancelled.
• Share honestly: don't send your link to people who haven't agreed to hear from you, and don't pretend to be Blockchain Melanesia. We may cancel rewards for misuse, and we may change or end the programme — rewards already earned will still be sent.

Refer & Earn: Privacy · Cookies · Refunds · Cancellations · Delivery · all Refer & Earn policies

This website Live

• You may read, link to and quote from this website with attribution. Do not copy it as your own, try to disrupt it, or use its forms for unlawful or unsolicited messages.
• Roadmap items marked next, in build, in design or planned are plans, not promises. Nothing here is an offer of securities or an invitation to deposit money.
• Blockchain Melanesia, the cube mark and the app names are marks of Blockchain Melanesia Limited; Niubalus is a mark of Niubalus Logistics; Solana, Starlink, BSP, Tangem and Jupiter are marks of their owners.

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