Terms of Service

Last updated: March 2025 • Effective immediately upon account creation

1. Acceptance of Terms

By accessing or using CardFi ("the Service", "Platform", "we", "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

CardFi provides a virtual debit card platform that allows users to:

Create a virtual Visa/Mastercard debit card linked to USDT holdings
Deposit USDT via supported blockchain networks
Spend USDT at merchants where Visa/Mastercard is accepted
Monitor transactions and manage card settings

CardFi provides a fully operational USDT-powered virtual debit card platform. All transactions are processed through our secure payment infrastructure.

3. Eligibility

You must be at least 18 years of age to use this Service. By using the Service, you represent and warrant that you meet this requirement and that all information you provide is accurate and complete.

4. Account Registration

You are responsible for maintaining the confidentiality of your account credentials, including your password and 6-digit PIN. You agree to notify us immediately of any unauthorized access. We are not liable for losses resulting from unauthorized use of your account.

5. KYC / AML Compliance

Identity verification (KYC) is not required before card activation. However, we comply with applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. Completing KYC unlocks higher transaction limits and full platform access. Providing false identity information is grounds for immediate account termination.

6. Prohibited Uses

Using the service for illegal activities
Attempting to manipulate or circumvent security systems
Money laundering or terrorist financing
Creating multiple accounts to abuse free-tier benefits
Reverse engineering or scraping the platform

7. Fees

All card transactions are subject to a flat 1% fee. There are no monthly fees, no setup fees, and no inactivity fees. Network fees for blockchain deposits are charged by the respective blockchain networks and are not controlled by CardFi.

8. Compliance

CardFi operates in compliance with applicable financial regulations. Card services, where real, are provided through licensed issuing bank partners. Visa and Mastercard are registered trademarks of their respective owners.

9. Limitation of Liability

CardFi shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service. Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim.

10. Changes to Terms

We reserve the right to update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the new terms. Material changes will be communicated via email.

11. Contact

For questions about these Terms, contact us at support@cryptocard.io.