Terms of Service

• You have read and understood these Terms;
• You agree to be legally bound by these Terms;
• You are legally capable of entering into a binding agreement; and
• You will comply with all applicable laws and regulations while using the Services.

If you do not agree to these Terms, you must immediately discontinue your use of the Services.

Stabl Money may update these Terms from time to time to reflect changes in our products, technology, legal requirements, regulatory obligations, security standards, or business operations. Updated versions become effective once published unless a different effective date is stated. Your continued use of the Services after any update constitutes acceptance of the revised Terms.

Your use of the Services is also subject to our Privacy Policy and any additional terms that apply to specific features, products, or partner-powered services made available through the Stabl Money platform. Where additional terms apply, they will be presented before you use the relevant feature.

• You are at least eighteen (18) years of age, or the legal age of majority in your jurisdiction, whichever is greater.
• You have the legal capacity and authority to enter into a binding agreement.
• You are accessing and using the Services only for your own benefit or, where permitted, on behalf of a legal entity that has authorized you to act on its behalf.
• You are not prohibited from using the Services under any applicable law, regulation, court order, or governmental restriction.
• You are not subject to economic or trade sanctions, nor are you listed on any sanctions or restricted persons list maintained by any competent governmental authority.
• You will use the Services only for lawful purposes and in full compliance with all applicable laws, regulations, and financial crime prevention requirements.

Access to certain products or features may require additional eligibility checks, including identity verification, compliance screening, residency verification, or approval by one or more third-party service providers.

Stabl Money reserves the right to request additional information or documentation at any time to verify your identity, eligibility, or compliance with applicable legal and regulatory requirements.

If you fail to meet any eligibility requirement, provide inaccurate information, or no longer satisfy our compliance standards, Stabl Money may suspend, restrict, or permanently terminate your access to some or all of the Services without prior notice, where permitted by applicable law.

• Self-custodial digital wallet functionality;
• Storage and transfer of supported digital assets;
• Stablecoin payment capabilities;
• Fiat deposit and withdrawal features through authorized third-party providers;
• Virtual bank account or virtual IBAN functionality;
• International money transfer tools;
• Digital payment cards and related wallet features;
• Currency conversion functionality;
• Rewards, referral programs, and promotional features;
• Identity verification and compliance services;
• Additional products or features introduced by Stabl Money from time to time.

Certain Services are provided through licensed financial institutions, regulated payment providers, banking partners, blockchain infrastructure providers, identity verification providers, and other independent third parties.

Stabl Money acts solely as the technology platform for many of these Services and does not itself operate as a bank, deposit-taking institution, money transmitter, exchange, investment adviser, broker, trustee, or custodian unless expressly stated otherwise.

The availability of any feature may vary based on your country of residence, applicable law, regulatory requirements, partner availability, technical limitations, or internal risk assessments.

Stabl Money may add, modify, suspend, restrict, or discontinue any Service or feature at any time where necessary for legal, regulatory, operational, security, commercial, or technical reasons.

• your account has been compromised;
• fraudulent or unauthorized activity has occurred;
• your account presents security or compliance risks;
• you violate these Terms; or
• such action is necessary to comply with applicable laws or requests from competent authorities or service providers.

Unauthorized access attempts, misuse of another person's account, or attempts to bypass our security controls are strictly prohibited and may result in permanent account termination together with any other legal remedies available under applicable law.

• You remain the sole owner and controller of your supported digital assets.
• You are responsible for maintaining the security of your device, authentication methods, and account credentials.
• Blockchain transactions are generally irreversible once confirmed on the relevant network.
• Loss of access to your device or authentication credentials may limit or permanently prevent access to your wallet.
• Stabl Money does not guarantee uninterrupted access to blockchain networks or third-party infrastructure used by the Services.
• The availability of supported assets, blockchain networks, and wallet functionality may change over time at Stabl Money's discretion.

• Sending digital assets;
• Swapping supported assets;
• Bridging assets across supported blockchain networks;
• Deploying or activating smart wallet functionality;
• Connecting your wallet with approved applications or services;
• Other blockchain actions initiated directly by you.

Each authorization applies only to the specific transaction or action presented at the time of confirmation unless expressly stated otherwise.

You remain solely responsible for reviewing all transaction details before approving any request, including wallet addresses, blockchain networks, token types, transaction amounts, gas fees, and any other relevant information.

Stabl Money is not responsible for transactions authorized by you, including those approved by mistake, through phishing, malware, compromised devices, or fraudulent third-party applications.

• Recipient wallet address;
• Blockchain network;
• Digital asset type;
• Transfer amount;
• Applicable blockchain fees;
• Any additional transaction information displayed within the application.

Blockchain transactions cannot generally be cancelled, modified, or reversed once they have been confirmed by the relevant blockchain network.

Stabl Money has no ability to recover assets sent to an incorrect wallet address, unsupported blockchain network, incompatible smart contract, or unauthorized recipient.

Transaction confirmation times depend entirely on the relevant blockchain network and supporting infrastructure and may vary due to network congestion, validator activity, maintenance, or other factors beyond our control.

From time to time, Stabl Money may sponsor or reduce network fees for selected users, features, or promotional campaigns. Such sponsorship may be modified or discontinued at any time without creating any ongoing obligation.

• Identity verification;
• Banking and payment infrastructure;
• Virtual account services;
• Stablecoin settlement;
• Blockchain infrastructure;
• Card issuance and processing;
• Foreign exchange services;
• Fraud prevention;
• Compliance screening;
• Customer communications; and
• Other financial or technology services.

Your use of any third-party service may be subject to additional terms, privacy policies, eligibility requirements, fees, or operating rules imposed by the relevant provider.

Stabl Money does not own, control, or operate these third-party services and does not guarantee their availability, performance, accuracy, security, or uninterrupted operation.

Where appropriate, Stabl Money may facilitate access to partner services solely as a technology platform. Responsibility for regulated financial services remains with the applicable licensed provider.

• Identity verification;
• Compliance screening;
• Source-of-funds verification;
• Bank account verification;
• Additional documentation requested by our service providers.

Transaction processing times may vary depending on banking hours, compliance reviews, payment networks, intermediary institutions, or operational factors outside the control of Stabl Money.

Third-party providers may reject, suspend, delay, reverse, or investigate transactions where required by law, regulatory obligations, fraud prevention procedures, or internal risk controls.

• Separate cardholder agreements;
• Spending limits;
• Transaction monitoring;
• Foreign exchange charges;
• Merchant acceptance rules;
• Chargeback procedures;
• Additional compliance requirements.

Availability of card features may differ by country, regulatory approval, partner availability, and user eligibility.

• Banking schedules;
• Compliance reviews;
• Transaction limits;
• Network availability;
• Local regulations;
• Operational requirements.

Stabl Money does not guarantee that every deposit or withdrawal request will be completed successfully or within a specific timeframe.

• Modify eligibility requirements;
• Change reward values;
• Suspend promotional campaigns;
• Cancel rewards obtained through fraud, abuse, duplicate accounts, or violations of these Terms.

Rewards have no guaranteed cash value unless expressly stated otherwise.

• Verify your identity;
• Prevent fraud;
• Comply with applicable laws;
• Meet anti-money laundering (AML) obligations;
• Conduct sanctions screening;
• Prevent financial crime;
• Protect the integrity of the Services.

You agree to provide accurate information and promptly respond to any request for additional documentation.

Failure to complete required verification or compliance procedures may result in delayed access, feature restrictions, transaction holds, account suspension, or account termination.

• Violate any applicable law or regulation;
• Engage in money laundering, terrorist financing, sanctions evasion, or fraud;
• Use the Services to process proceeds of illegal activity;
• Provide false, misleading, or inaccurate information;
• Access or attempt to access another user's account without authorization;
• Circumvent security, compliance, or technical controls;
• Reverse engineer, decompile, or exploit the Services except where permitted by law;
• Introduce malware, viruses, or other harmful code;
• Interfere with the operation, security, or availability of the Services; or
• Use the Services in any manner that could expose Stabl Money, its users, or its partners to legal, regulatory, financial, or reputational risk.

Stabl Money reserves the right to investigate suspected violations and take any action permitted by applicable law.

• Blockchain congestion or network failures;
• Smart contract vulnerabilities;
• Digital asset price volatility;
• Stablecoin de-pegging events;
• Phishing, malware, SIM-swap attacks, and social engineering;
• Device compromise or unauthorized account access;
• Regulatory changes;
• Compliance investigations;
• Banking or payment partner interruptions;
• Third-party service failures; and
• Permanent loss resulting from incorrect wallet addresses or unsupported blockchain transactions.

You acknowledge that blockchain transactions are generally irreversible and that digital assets may lose value.

You are solely responsible for evaluating these risks before using the Services.

• Availability of the Services;
• Continuous or uninterrupted operation;
• Accuracy or completeness of information;
• Merchantability;
• Fitness for a particular purpose;
• Non-infringement;
• Security against all cyber threats; or
• Compatibility with every device, blockchain network, financial institution, or third-party provider.

No information provided by Stabl Money shall constitute legal, tax, accounting, financial, or investment advice.

• Loss of profits;
• Loss of revenue;
• Business interruption;
• Loss of digital assets;
• Loss of goodwill;
• Loss of data;
• Loss of opportunity; or
• Any damages arising from third-party failures, blockchain events, regulatory actions, or unauthorized access.

Where liability cannot legally be excluded, Stabl Money's total aggregate liability shall be limited to the maximum extent permitted by applicable law.

• Your use of the Services;
• Your violation of these Terms;
• Your violation of applicable law;
• Your misuse of any third-party service;
• Information or content submitted by you; or
• Any dispute between you and another user or third party.

This obligation survives termination of these Terms to the extent permitted by law.

• Security;
• Fraud prevention;
• Compliance obligations;
• Legal or regulatory requirements;
• Protection of users or third parties;
• Violation of these Terms; or
• Operational or technical reasons.

You may discontinue using the Services at any time.

Termination of your account does not affect obligations that arose before termination or provisions intended to survive termination.