Integrated platform, electronic fund transfer, E-SIGN, card, subscription, rewards, business account, privacy and digital asset terms.
Effective Date June 1, 2026
Last Updated May 15, 2026
Company Fyntiq Technologies LLC
Fyntiq Technologies LLC (“Fyntiq,” “we,” “us,” or “our”) is a financial-technology company and is not a bank, insured depository institution, card issuer, money transmitter or digital-asset custodian. Regulated banking, money movement, card issuance, fiat-to-digital-asset conversion and related services are provided by licensed or regulated financial partners identified in applicable program disclosures. Fyntiq provides technology, account access, orchestration, customer experience and related support services.
Your Fyntiq Wallet may reflect USDC or another supported digital representation of value. Crypto assets, including USDC, are not FDIC-insured deposits. Funds maintained temporarily as deposits at an insured depository institution may qualify for deposit insurance only if all applicable requirements are satisfied; Fyntiq does not guarantee pass-through insurance eligibility or coverage.
These Fyntiq Wallet Terms and Conditions (“Terms”) are a legally binding agreement between you and Fyntiq governing your access to and use of the Fyntiq Wallet application, website, wallet, assigned USD account details, payment and transfer functionality, cards, subscriptions, rewards, business accounts and all related products and services (collectively, the “Services”).
Fyntiq Technologies LLC is a Wyoming limited liability company. Its mailing address is:
5830 E 2nd Street, Suite 7000
Casper, Wyoming 82609
United States
Customer Support: support@fyntiq.com | Legal Notices: legal@fyntiq.com | Privacy: privacy@fyntiq.com. Customer support is intended to be available 24 hours a day, seven days a week, but may be interrupted for maintenance, outages, provider availability or events outside Fyntiq’s reasonable control.
By creating an account, clicking to accept, using the Services, receiving or activating a Fyntiq Card, or continuing to use the Services after updated Terms become effective, you acknowledge that you have read, understood and agreed to these Terms and all incorporated documents.
Account: your Fyntiq Wallet account, including any consumer or business profile, assigned account details, wallet balance, cards and related access rights.
Available Balance: the amount displayed as available for supported transactions, which may exclude pending, reserved, restricted, disputed, unsettled or otherwise unavailable amounts.
Business Account: an Account established for a verified legal entity or business purpose.
Card: a Fyntiq-branded virtual or physical Visa card made available under an issuer program.
Cardholder Agreement: the issuer-approved agreement and disclosures attached or otherwise provided as Exhibit A.
Digital Asset: USDC or another supported blockchain-based representation of value.
Internal Transfer: a transfer between eligible Fyntiq Accounts.
Partner: a regulated financial institution, licensed money-service provider, card issuer, card network, payment processor, wallet-infrastructure provider, digital-asset provider, identity provider or other service provider supporting the Services.
PIN: the four-digit security PIN selected or assigned for sensitive actions.
Statement: a periodic or transaction statement made available electronically through the Services or another agreed delivery method.
Transaction: any funding, deposit, transfer, conversion, card purchase, ATM withdrawal, refund, reversal, fee, adjustment, reward or other activity involving the Services.
USDC: USD Coin or a successor supported dollar-referenced digital asset.
User: the verified individual or business that accepts these Terms.
Wallet Balance: the value reflected in the Account, which may be represented by USDC and may differ from the Available Balance.
You must be at least 18 years old and legally capable of entering a binding agreement. Fyntiq may separately offer a sponsored or guardian-authorized minor product subject to separate terms.
The Services may be available to eligible individuals and businesses. Joint Accounts are not supported. A Business Account currently supports one verified authorized representative.
Fyntiq may permit one User to maintain multiple wallets or Cards, subject to eligibility, program configuration, verification, country availability and Fyntiq approval. Fyntiq may restrict or consolidate duplicate or improperly established Accounts.
The Services are not available in every country or territory. You may not use the Services from or for the benefit of a comprehensively sanctioned, embargoed, prohibited, unsupported or otherwise restricted jurisdiction, person or entity. Sanctions may be comprehensive or targeted. Fyntiq may apply current governmental sanctions programs, restricted-party lists and Partner requirements rather than a static country list.
You may not use a VPN, proxy, remote desktop, anonymization service, location-spoofing technology or similar method to conceal or materially misrepresent identity, residency, location, device or eligibility. Legitimate security use may be restricted when it interferes with compliance or fraud controls.
You must promptly notify Fyntiq of changes to residence, citizenship, tax residency or primary country of access. A change may lead to re-verification, adjusted limits, reduced functionality, card replacement or cancellation, suspension or closure.
KYC is performed during sign-up. No financial functionality is available before successful verification. Unverified Users cannot add, receive, send, withdraw, order or use a Card, or initiate bank transfers.
You must provide accurate and current identity, contact, tax, residence, source-of-funds, occupation, business, beneficial-owner, controlling-person and expected-activity information requested by Fyntiq or its Partners.
Fyntiq and its Partners may verify information through documents, databases, public records, device data, identity technologies, biometric comparison, sanctions screening, fraud databases and other lawful sources.
If verification fails or information is incomplete, inaccurate or unverifiable, Fyntiq may decline to open or permanently close the Account. Fyntiq may be unable or prohibited from disclosing confidential risk or suspicious-activity criteria.
Fyntiq may request additional documents, source-of-funds or source-of-wealth information, tax forms, interviews, certifications or renewed verification at any time. Fyntiq may suspend the Account during review. Refusal may result in permanent termination.
Accounts created or operated using false, stolen, altered, incomplete, synthetic or impersonated identity information may be rejected, frozen, restricted or terminated and reported as permitted by law.
Fyntiq is a technology company. Licenses, regulatory permissions and regulated financial-service functions are held or performed by Fyntiq’s financial Partners. Fyntiq does not represent that it is a bank, card issuer, licensed money transmitter or digital-asset custodian unless expressly stated in a specific disclosure.
Specific features may be subject to separate Partner terms, privacy notices, fee schedules, program disclosures and eligibility rules. You authorize Fyntiq to present and facilitate acceptance of such terms.
The Cardholder Agreement controls for Card issuance, Card Transactions, issuer obligations and legally required Card disclosures. Transaction-specific remittance, wire, ACH or conversion disclosures control for the applicable Transaction. Mandatory law controls over inconsistent language.
Fyntiq may change Partners, account details, routing information, card issuers, settlement arrangements, conversion providers or other infrastructure. Features may be migrated, restricted or discontinued as necessary.
Fyntiq Wallet is intended to use a non-custodial wallet architecture. Fyntiq does not possess or have access to your private keys or recovery credentials in a manner that enables Fyntiq customer support to independently transfer Digital Assets from your wallet. Your wallet-infrastructure provider and device configuration may govern key creation, storage, recovery and signing.
You are responsible for protecting your device, authentication methods, wallet credentials and recovery process. Loss of access may be irreversible if the supported recovery process cannot restore access.
Users currently cannot withdraw USDC or another Digital Asset to an external blockchain address. Value may be used through a Fyntiq Card, eligible ATM withdrawal, Internal Transfer, or eligible U.S. bank withdrawal.
USDC is designed to track the U.S. dollar but may depeg, lose value, become illiquid, be frozen or blacklisted by an issuer, be affected by blockchain congestion, forks, smart-contract defects, regulatory action, reserve concerns, provider insolvency or network disruption. Fyntiq does not guarantee one-to-one market value at all times.
Subject to final Partner documentation, Digital Assets associated with your non-custodial wallet are intended to be controlled for your benefit rather than held as Fyntiq corporate assets. Legal ownership, insolvency treatment and recovery rights may depend on wallet architecture, Partner terms, applicable law and the facts of a particular event.
The Wallet is a payments product, not an investment, brokerage, savings, staking or yield account. No interest, yield or investment return is offered unless expressly disclosed under separate terms.
Eligible Users receive dedicated routing, account, reference or payment instructions for supported incoming USD deposits, wires, ACH transfers and direct deposit. These details are assigned to the User but may be changed, replaced, suspended or deactivated because of Partner, legal, fraud, inactivity, closure, compliance or operational requirements.
Assigned details are for supported incoming money movement and do not create a conventional checking account with Fyntiq. Unless expressly offered, the Services do not provide paper checks, check writing, cash deposits, mobile check deposit, money-order deposit, cashier’s checks, safe-deposit services, loans, overdrafts or joint ownership.
Fyntiq does not accept cash, checks, money orders or mailed deposits. Do not send cash or checks to Fyntiq, a Partner or an address associated with assigned account details.
Incoming payments may be rejected, returned or held when the sender, beneficiary or account-owner information does not match the verified User or Business.
You are responsible for updating employers, payors and counterparties when assigned account or routing details change. Fyntiq is not responsible for deposits sent to deactivated instructions after notice of a change.
Unless expressly stated otherwise, incoming USD credited through assigned account details is automatically converted to USDC and reflected in the Wallet Balance.
Fyntiq currently intends to convert eligible USD to USDC at a one-to-one rate without a Fyntiq conversion fee, unless a fee, spread or different rate is explicitly disclosed before the Transaction. Third-party bank, card, wire or network fees may still apply.
Conversion and availability depend on final receipt, screening, settlement and Partner processing. A pending or displayed credit is not necessarily final settlement.
Fyntiq may delay, suspend, reverse or correct a conversion if funding fails, a deposit is recalled, fraud is suspected, settlement is reversed, systems malfunction or a Digital Asset becomes unavailable or materially impaired.
Fyntiq or its Partners may apply commercially reasonable rounding for fractional amounts and disclose any material adjustment where required.
Depending on eligibility and country, Users may fund through payment cards, bank transfers, ACH, wires, direct deposit or supported third-party fiat services.
By initiating funding, you represent that you own or are authorized to use the selected payment method and authorize processing and any disclosed debit.
Wallet, deposit, funding, direct-deposit, ACH, wire, transfer, purchase, ATM and withdrawal limits are displayed in the dashboard when applicable and may vary by User. Fyntiq may also apply undisclosed internal controls where reasonably necessary for fraud, security or compliance.
Fyntiq may reject, delay, block, cancel, return or hold an incoming Transaction for any lawful reason, including KYC, AML, sanctions, fraud, mismatched ownership, legal process, Partner restrictions, technical issues or unusual activity.
Incoming funds may be reversed if recalled, returned, unauthorized, fraudulent, duplicated, mistakenly credited, not finally settled or required to be reversed by law or program rules. Fyntiq may debit the Wallet and recover the amount from other funds payable to you.
A Transaction shown as pending, completed, received or available may still be subject to final settlement, reversal, reserve, hold or correction.
Direct deposit is available only to eligible Users and payors using supported rails and accurate assigned account details.
Fyntiq may reject or return direct deposits intended for another person or business, containing inconsistent ownership information or otherwise not permitted by the program.
Fyntiq does not guarantee that payroll or benefits will arrive by a particular date or “early.” Any early availability depends on receipt of payment instructions and successful processing and may be changed or discontinued.
Employers, government agencies and originating institutions may reverse or correct payroll, benefits or other deposits. You authorize Fyntiq to debit such amounts and must immediately repay any negative balance.
Deposits submitted after account closure or a change in assigned details may be rejected or returned. Fyntiq is not liable for payor failure to update instructions.
Incoming ACH credits are subject to originator authorization, network rules, screening, settlement and return rights.
Where Fyntiq permits an ACH debit from a linked bank account, you authorize the amount and timing shown during the Transaction. Fyntiq or its Partner may verify ownership through instant verification, micro-deposits or other methods.
Where permitted and properly authorized, returned ACH entries may be reinitiated. Variable debit amounts or recurring debits will be disclosed as required.
You may revoke a recurring ACH authorization or request a stop payment through the method and timing stated in the applicable authorization or as required by law. Revocation does not affect entries already processed.
An ACH may be returned for insufficient funds, closed account, unauthorized entry, ownership mismatch or other reasons. Any applicable fee will be disclosed in the Fee Schedule or dashboard.
You are responsible for complete and accurate wire instructions, including beneficiary name, account number, bank identifiers, purpose and any intermediary information.
A wire may be processed based on account or bank identifiers even if a beneficiary name differs, to the extent permitted by applicable law and network rules.
Cutoff times, holidays, intermediary banks, compliance reviews and local banking practices may affect processing. Estimates are not guarantees.
Sending, intermediary or receiving institutions may deduct fees. The beneficiary may receive less than the amount sent.
Wires may be final once transmitted. Fyntiq may assist with a recall request but does not guarantee recovery. A receiving institution or authority may refuse or delay return.
Fyntiq or a Partner may reject, delay or return a wire for incomplete instructions, compliance concerns, unsupported country or institution, technical issues or other lawful reasons.
Eligible Users may send and receive funds between Fyntiq Accounts. You must verify the recipient, username and amount. Once submitted, a transfer cannot be canceled by the sender and is generally final.
Fyntiq may reverse, restrict or recover an Internal Transfer involving fraud, unauthorized activity, mistake, duplicate processing, legal process, sanctions, account compromise, violation of these Terms or system error.
A consumer transfer that qualifies as a remittance transfer is governed by the transaction-specific disclosures, receipt, cancellation rights, error-resolution rights and other protections presented for that transfer. Those terms control over inconsistent provisions here.
For a covered remittance transfer, a qualifying error notice generally must be received no later than 180 days after the disclosed date of availability, subject to applicable law and the transaction disclosure.
The general inability to cancel an Internal Transfer does not limit a statutory cancellation right that applies to a covered remittance transfer.
Withdrawals to a connected bank account are currently supported only for eligible U.S.-based Users unless expressly expanded.
A linked bank account must generally be held in the User’s legal name or the verified Business’s legal name.
Fyntiq may permit multiple linked bank accounts, each subject to verification and risk review.
Fyntiq may delay, decline, limit, cancel or return a withdrawal because of fraud, sanctions, legal process, ownership mismatch, unusual activity, insufficient balance, pending reversals, Partner restrictions or operational issues.
Processing times are estimates and may be affected by weekends, holidays, cutoffs, reviews, receiving-bank procedures or outages.
Adding funds, sending funds, withdrawing funds, viewing sensitive information or other high-risk activity may require the four-digit PIN.
Fyntiq support does not have access to and will not ask for your full PIN.
Access may be locked after three incorrect PIN attempts. Recovery may require re-verification or a cooling-off period.
Fingerprint, facial recognition or device biometrics may substitute for the PIN for selected actions, but Fyntiq may still require the PIN or other authentication at any time.
You must protect devices, credentials, email, phone number and biometrics; review activity; install security updates; and immediately report suspected compromise.
Fyntiq may restrict rooted, jailbroken, emulated, modified, infected, compromised or unsupported devices; limit simultaneous sessions; require approval of new devices; terminate sessions; or impose waiting periods.
Fyntiq and its Partners may collect device identifiers, IP addresses, approximate location, network data, login history, device configuration, authentication results, transaction behavior and fraud signals for security and compliance.
Every eligible verified User may receive a virtual Card. Physical Card availability depends on country, tier, eligibility, inventory, delivery and program approval.
Fyntiq Essential is intended for a Visa Platinum product; Fyntiq Plus for Visa Signature; and Fyntiq Black for Visa Infinite. The exact product, benefits and availability may differ by issuer, country and program.
The issuer-approved Cardholder Agreement attached or provided as Exhibit A is incorporated into these Terms. It controls for Card issuance, Card Transactions, issuer obligations, unauthorized Card use and required Card disclosures.
Physical and replacement Card fees are currently $0 unless a different amount is displayed before confirmation. Fees are subject to change.
Expedited delivery may be offered for the fee displayed in the dashboard. Delivery dates are estimates.
Eligible Cards may be added to Apple Pay or Google Pay, subject to device, country, tokenization and provider eligibility.
Cards and Card details may be used only by the named User and may not be shared, sold, rented, lent or transferred.
Merchants may request estimated or increased authorizations, including for hotels, restaurants, fuel, rentals and gratuities. Holds may reduce the Available Balance until released or settled.
Fyntiq may decline a Transaction or disable, restrict, replace or cancel a Card for insufficient funds, limits, fraud, sanctions, prohibited activity, account status, technical issues or other lawful reasons. Users may freeze and unfreeze eligible Cards, but a freeze may not stop already authorized, recurring, offline, delayed or tokenized Transactions.
You must immediately freeze and report a lost, stolen or compromised Card, device, PIN or credentials. Liability and reimbursement are governed by applicable law and Exhibit A.
ATM withdrawals are available only where supported. Fyntiq may restrict ATM access by country, location, operator, tier, amount or risk profile.
The current Fyntiq ATM fee is up to 3% of the withdrawal amount plus $1.00 per withdrawal, subject to change. The applicable fee will be disclosed in the dashboard or Fee Schedule.
ATM operators, acquirers, networks or conversion providers may impose separate fees.
ATM limits are displayed in the dashboard and may vary by User. An ATM operator may impose a lower limit.
You must promptly report a cash-dispense error and provide requested documentation. Investigation is subject to law, network rules, issuer procedures and ATM records.
A Card Transaction or ATM withdrawal in a currency other than the Wallet’s billing currency may be converted by the card network or other provider using its applicable exchange rate on the authorization, processing or settlement date.
The final rate may differ from a displayed estimate because of settlement timing or network methodology.
A merchant or ATM may offer conversion into a familiar currency. This service is controlled by the merchant or ATM and may use a less favorable rate or added fee.
Any Fyntiq foreign-transaction or cross-border fee will be disclosed in Exhibit A, the Fee Schedule or the dashboard. Third-party fees may also apply.
Fyntiq Essential is currently free, subject to future changes after required notice.
Fyntiq Plus is currently $29.99 per month, subject to change.
Fyntiq Black is currently $49.99 per month, subject to change.
Fyntiq may offer monthly or annual billing. The amount, renewal frequency, annual Card dues and charge date will be shown before enrollment.
Paid plans automatically renew until canceled. You authorize Fyntiq to charge the Wallet Balance or another authorized payment method at each renewal.
A Card tier may include annual Card or membership dues disclosed before issuance. Once a Card is issued, produced, renewed or activated, disclosed dues may be fully earned and remain payable after downgrade or cancellation, except where law requires otherwise.
Upgrades may take effect immediately with a disclosed full or prorated charge. Downgrades ordinarily take effect at the end of the current period and do not eliminate fees or annual dues already incurred.
You may cancel through available controls. Cancellation prevents future renewals but does not generally create a refund for the current period or earned Card charges, except as required by law.
Fyntiq may retry, deduct from the Wallet, suspend benefits, downgrade, replace or restrict a Card, terminate the subscription or collect unpaid amounts.
Fyntiq will provide confirmations, renewal reminders, price-change notices and cancellation acknowledgments when required by applicable law.
Visa Platinum, Signature and Infinite benefits may be provided or administered by Visa, an issuer or another third party. Benefits vary by issuing country, exact product, eligibility, activation, merchant and current benefit terms. Placement on a network tier does not guarantee every commonly advertised benefit.
Only benefits expressly shown as active for the Card in the Services, Exhibit A or an applicable benefit guide are available. Registration, specified booking channels, Card payment or additional fees may be required.
Fyntiq may embed cashback offers from participating merchants. Eligibility depends on the offer, merchant participation, transaction coding, settlement and stated conditions.
Rewards may remain pending until final settlement and expiration of return or review periods. Pending or unvested rewards have no cash value.
Fyntiq may reverse, withhold or forfeit rewards because of refunds, chargebacks, reversals, fraud, abuse, manufactured spending, coding errors, ineligible purchases, account closure or violation of offer terms.
Rewards and benefits may be modified or discontinued subject to law. You are responsible for applicable taxes.
The current Fee Schedule is incorporated into these Terms and may be displayed in the dashboard or as an appendix. Fees applicable to a Transaction will be disclosed before confirmation where required.
Fees may include subscription fees, annual Card dues, physical or replacement Card charges, delivery, ATM, foreign transaction, card funding, ACH, wire, returned transfer, inactivity, conversion, collection and other disclosed charges.
Fees may change after any notice required by law. A displayed dashboard fee governs the Transaction when accepted, subject to mandatory law and Exhibit A.
You authorize Fyntiq to deduct fees from the Wallet Balance, incoming funds, rewards, refunds or another authorized payment method.
Banks, card networks, ATM operators, merchants, intermediaries, mobile-wallet providers or other third parties may charge separate fees not controlled by Fyntiq.
Fyntiq does not ordinarily provide overdraft or credit. You may not intentionally spend more than the Available Balance.
A negative balance may result from reversals, delayed presentment, returned funding, adjustments, fees, refunds or corrections and is immediately due.
Fyntiq may recover amounts owed from future deposits, transfers, Wallet balances, rewards, refunds, other Fyntiq Accounts you own or another authorized payment method, to the extent permitted by law.
Fyntiq may impose a reserve or hold for fraud, disputes, reversals, compliance, legal process, account closure, unusual activity or anticipated liabilities for as long as reasonably necessary.
Fyntiq may restrict or close an Account, use collection agencies or pursue lawful recovery. Reasonable costs and attorneys’ fees may be charged where permitted.
Fyntiq need not disclose confidential fraud rules, risk models, suspicious-activity information or Partner controls.
You may not use the Services for unlawful activity, fraud, money laundering, terrorist financing, sanctions evasion, bribery, tax evasion, human trafficking, child exploitation, stolen or counterfeit goods, unauthorized regulated goods, identity fraud, account brokering, credential sharing, transaction laundering, Card testing, circular transactions, manufactured rewards, abusive disputes, malware, infringement or evasion of limits.
Otherwise-lawful adult entertainment, cannabis, firearm and cryptocurrency Transactions are not categorically prohibited by Fyntiq, but may be declined or restricted based on law, geography, merchant category, issuer, network, Partner or risk controls.
Fyntiq may reject, reverse, block, freeze, suspend, report or terminate activity that violates this section.
The person opening a Business Account represents that they have authority to bind the Business.
The Business must provide legal, registration, tax, address, website, industry, expected activity, beneficial-owner, controlling-person, officer, director and source-of-funds information requested.
Business Accounts currently support one authorized account User. Multiple administrators or employee users are not supported unless Fyntiq expressly adds the feature.
The Business is responsible for all Account activity and any person who obtains access.
The Business Account must be used primarily for legitimate business purposes, not personal, family or household use.
Fyntiq may impose reserves, delayed availability, industry restrictions, limits, enhanced verification or documentation.
Eligible Businesses may receive supported payments through Fyntiq Wallet. Merchant acquiring, payment links, invoices, chargebacks and Buyer Protection may require a separate merchant agreement.
Disputes about the Business’s goods or services remain the Business’s responsibility unless a separate Buyer Protection program expressly applies.
Accounts, usernames, assigned account details, Cards, PINs, credentials, tokens and access rights are personal and nontransferable.
You may not sell, rent, lease, lend, sublicense, transfer, pledge, assign, broker or permit another person to control an Account.
You must keep legal name, email, phone, residential and mailing addresses, citizenship, tax residency, identification and other profile information current.
Fyntiq may require re-verification or restrict access following a new device, unusual location, country move or other risk event.
Fyntiq will make Statements and Transaction records available electronically through the application, dashboard, email or another disclosed method.
Periodic Statements will be made available at the frequency required by applicable law and program rules. Transaction receipts or confirmations may be made available after individual Transactions.
You are responsible for maintaining compatible access and downloading records needed for your purposes. Fyntiq may determine how long historical Statements remain available online, subject to legal retention duties.
You may request available copies from support. A reasonable fee may apply if disclosed and permitted by law.
You should promptly review Statements and activity and report suspected errors or unauthorized Transactions in accordance with Section 26.
Immediately notify Fyntiq if a Card, device, PIN or credentials are lost, stolen or compromised. Prompt notice may limit losses.
For an unauthorized electronic fund transfer or other error governed by the Electronic Fund Transfer Act or Regulation E, notice generally must be received no later than 60 days after the periodic Statement reflecting the Transaction was transmitted or made available to you. Nothing in these Terms reduces a longer non-waivable period or right.
Different and potentially shorter liability rules may apply when a lost or stolen access device is involved. Report the event immediately rather than waiting for a Statement.
For a covered remittance transfer, a qualifying error notice generally must be received within 180 days after the disclosed date of availability, subject to applicable law and the Transaction disclosure.
Report through in-app support or support@fyntiq.com and provide sufficient Account, Transaction, amount, date and explanation information. Never email a full PIN or full Card credential.
Fyntiq, the issuer or responsible Partner may investigate and may request an affidavit, identification, receipts, communications, device data, proof of location, police report or other evidence.
An investigation may be suspended or resolved based on available evidence if you do not cooperate.
Provisional credit is not guaranteed unless required by law and may be reversed if the claim is denied or fraudulent.
To the extent permitted by law, reimbursement may be denied or reduced if fraud, gross negligence, intentional misconduct, credential sharing or delayed reporting materially contributed. Fyntiq may recover credits based on false claims and may terminate or report the Account.
Card, ACH, wire, remittance, ATM, Internal Transfer and third-party funding disputes may be governed by different law or specific disclosures, which control where they provide additional rights.
You consent to receive agreements, Statements, disclosures, tax forms, confirmations, notices and records electronically by email, in-app message, dashboard, SMS, push notification or website posting.
You must maintain a compatible device, internet connection, supported browser or application, valid email and phone number, and the ability to view, download and retain records.
You may request a paper copy of an available electronic record by contacting support. Any fee will be disclosed and must be permitted by law.
You must keep electronic contact information current. A communication sent to the last information provided is deemed delivered to the extent permitted by law.
You may withdraw consent by contacting support and following the required process. Because electronic delivery is essential, withdrawal may require closure of the Account after outstanding obligations are resolved.
This section summarizes Fyntiq’s handling of personal information. Additional or jurisdiction-specific privacy notices may supplement it and are incorporated by reference.
Fyntiq may collect identity, contact, tax, financial, Transaction, device, approximate location, account, support, business, verification, risk, fraud, sanctions and usage information.
Information may be used to provide the Services, verify identity, prevent fraud, comply with law, process Transactions, provide support, personalize features, communicate, enforce agreements, improve products and protect rights and security.
Fyntiq may share information with Partners, financial institutions, issuers, networks, processors, merchants, identity and fraud providers, professional advisers, affiliates, authorities and law enforcement as necessary or described in applicable privacy notices.
Device-based biometric templates may be controlled by your device provider. Identity-verification vendors may process facial images or biometric-derived information as disclosed and consented to during verification.
Information may be processed in countries other than your residence, subject to applicable safeguards.
Fyntiq may retain information for legal, regulatory, fraud, tax, audit, litigation, security, Partner and business purposes after closure.
Privacy questions or legally available requests may be submitted to privacy@fyntiq.com. Identity verification may be required before processing.
Fyntiq may respond to subpoenas, warrants, court orders, levies, garnishments, regulatory inquiries and law-enforcement requests and may restrict funds or disclose information.
Fyntiq may withhold notice when prohibited, ordered, necessary to preserve an investigation or reasonably necessary for security or legal compliance.
Depending on applicable law, Fyntiq or a Partner may block property, reject a Transaction, freeze access, return funds, retain blocked property or make required reports. A blocked Transaction may not be immediately returnable.
Fyntiq and its Partners may monitor and report suspicious activity and may be prohibited from notifying you.
Fyntiq may place holds and process legal claims as required. You are responsible for asserting any exemption. Government-benefit protections will be applied where required.
Fyntiq may share necessary information with Partners, regulators and authorities for compliance, fraud prevention and legal process.
Submit complaints to support@fyntiq.com with your contact information, Account identifier, description and requested resolution.
A formal legal complaint or notice may be sent to legal@fyntiq.com and the mailing address in Section 40.
Card issuance, Card Transaction and issuer complaints may also be directed to the issuer using the contact information in Exhibit A.
Nothing in these Terms prevents you from submitting a complaint to a regulator or governmental authority. Fyntiq does not require arbitration before a regulatory complaint.
An estate representative, guardian or other legally authorized person should promptly notify Fyntiq of a User’s death or incapacity.
Fyntiq may require a death certificate, court appointment, letters testamentary, guardianship order, identification, tax forms, indemnity or other evidence.
Fyntiq may restrict the Account, cancel Cards and suspend Transactions while evaluating authority and competing claims. Residual funds may be released only through a method selected by Fyntiq and permitted by Partners and law.
No payable-on-death or beneficiary designation exists unless expressly made available and completed through the Services.
You may request closure through the application. Before closure, you must resolve pending Transactions, disputes, fees, negative balances, reserves and remaining funds.
Fyntiq may delay closure while Transactions, investigations, disputes, reserves, legal process, sanctions or obligations remain pending. Selecting “Close Account” does not extinguish debts or recovery rights.
Fyntiq may restrict, suspend or terminate an Account for violation, legal requirements, Partner requirements, fraud risk, inactivity, unsupported location, compromise, nonpayment, inaccurate information or product discontinuation.
Funds may remain restricted as reasonably necessary for fraud, disputes, reversals, legal process, sanctions, liabilities or regulatory obligations.
Eligible residual funds may be returned through a verified bank transfer, check, refund, Card credit or another method selected by Fyntiq.
Inactive Accounts may be restricted, reverified, closed or charged a properly disclosed inactivity fee. Unclaimed balances may be transferred under applicable escheat law.
If a banking, Card, Digital Asset or other Partner relationship ends, or Fyntiq discontinues the program, Fyntiq may migrate Accounts, replace details, convert or return supported value, require withdrawal, cancel Cards or close Accounts, subject to law and Partner terms.
The Services depend on Partners. Features may be subject to separate terms and may be delayed, suspended or discontinued because of Partner decisions, outages, regulation, network congestion or technical failures.
Beta, pilot, preview or experimental features may be incomplete, contain errors, have limited support, change without notice or be discontinued.
Fyntiq may add, modify, replace, restrict or discontinue features, countries, payment methods, Cards, fees, limits, Partners, integrations or benefits, with notice where required.
Marketing, roadmaps, beta access or past practice does not guarantee continued availability.
Fyntiq grants a limited, revocable, nonexclusive and nontransferable license to use the Services for their intended purpose.
You may not copy, reverse engineer, decompile, scrape, automate without permission, bypass security, introduce malware, interfere with the Services, misuse trademarks or falsely imply affiliation.
Unless prohibited by law, feedback submitted to Fyntiq may be used without restriction or compensation, without identifying you publicly unless permitted.
You are responsible for determining, reporting and paying taxes arising from use of the Services, Transactions, business activity, rewards or receipt of funds.
Fyntiq may request tax documentation, report information, withhold amounts or restrict the Account where required.
Fyntiq does not provide tax advice.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT EXPRESS, IMPLIED OR STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS, TITLE, NON-INFRINGEMENT, ACCURACY, SECURITY OR UNINTERRUPTED OPERATION.
Fyntiq does not guarantee that a Digital Asset maintains value, a Transaction completes, a merchant accepts a Card, an ATM dispenses cash, a deposit arrives early, a benefit remains available or a Partner remains operational.
Warranty exclusions apply only to the extent permitted by law.
TO THE FULLEST EXTENT PERMITTED BY LAW, FYNTIQ AND ITS AFFILIATES, OWNERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, REVENUE, DATA, BUSINESS, GOODWILL OR OPPORTUNITY.
To the fullest extent permitted by law, Fyntiq is not liable for financial-institution, card-network, processor, wallet, Digital Asset, blockchain, mobile-wallet, telecommunications, internet, ATM, merchant, government or third-party failures.
To the fullest extent permitted by law, aggregate liability will not exceed the greater of fees directly paid to Fyntiq during the preceding 12 months or $100. This cap does not apply where prohibited.
To the fullest extent permitted by law, you will defend, indemnify and hold harmless Fyntiq and related parties from claims arising from misuse, violation, fraud, unlawful conduct, business activity, goods or services sold, customer disputes, information provided or unpaid taxes. A consumer is not required to indemnify Fyntiq for conduct where prohibited.
Fyntiq is not liable for delay or failure caused by events outside reasonable control, including disaster, weather, war, terrorism, unrest, labor disputes, cyberattack, utility or internet outage, blockchain disruption, government action, sanctions, legal change, bank or network failure, pandemic or transportation interruption.
Before arbitration or litigation, the complaining party must send a written notice describing the Account, facts and requested relief. Notices to Fyntiq must be sent to legal@fyntiq.com and the mailing address in Section 40. The parties will attempt resolution for 30 days.
Except for eligible small-claims matters and certain injunctive relief, disputes arising from these Terms, the Services, Account, Card, Transaction, communications, privacy, suspension or relationship will be resolved by final, binding individual arbitration.
Unless otherwise agreed, arbitration will be administered by the American Arbitration Association under applicable Consumer or Commercial Rules. A court may appoint a comparable administrator if necessary.
YOU AND FYNTIQ MAY BRING CLAIMS ONLY INDIVIDUALLY, NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE OR PRIVATE-ATTORNEY-GENERAL ACTION.
TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND FYNTIQ WAIVE TRIAL BY JURY.
Either party may pursue an individual small-claims case. Fyntiq may seek injunctive relief for intellectual-property misuse, fraud, unauthorized access, cybersecurity threats, confidential-information misuse, account brokering or data theft.
You may opt out by sending written notice to legal@fyntiq.com within 30 days after first accepting these Terms, stating your full name, Account email or telephone number and clear intent to opt out.
Wyoming law governs, without regard to conflicts principles, except that the Federal Arbitration Act governs arbitration and non-waivable federal or consumer law remains controlling. Non-arbitrable disputes are subject to state or federal courts serving Natrona County, Wyoming, unless law requires otherwise.
If Exhibit A contains an issuer arbitration provision applicable to a Card dispute, that provision controls for the subject it governs. The provisions should be interpreted to avoid conflicting proceedings.
Fyntiq may amend these Terms and will provide notice of material changes through email, in-app notice, dashboard, website or another lawful method. Continued use after effectiveness constitutes acceptance unless affirmative consent is required.
Fyntiq may assign these Terms to an affiliate, successor, acquirer, purchaser, program manager or service provider. You may not assign, transfer or delegate rights, obligations, Accounts or Cards without Fyntiq’s prior written consent.
These Terms, Exhibit A, applicable Fee Schedule, Transaction disclosures, benefit guides and incorporated notices form the agreement for the Services.
Invalid provisions are enforced to the maximum permitted extent and the remainder remains effective. Failure to enforce is not a waiver.
Debts, reversals, investigations, retention, intellectual property, disclaimers, liability limits, indemnification, arbitration and other provisions that logically survive continue after closure.
English controls unless law requires otherwise. Headings are for convenience only.
Fyntiq Technologies LLC, 5830 E 2nd Street, Suite 7000, Casper, Wyoming 82609, United States.
Unless law requires another method, email notices are deemed received when successfully transmitted without bounce-back, and mailed notices are deemed received upon documented delivery. Legal process must comply with applicable law and may need to be served on Fyntiq’s registered agent rather than the customer-service address.
This schedule summarizes current Fyntiq fees known as of the Last Updated date. Fees are subject to change after any required notice. A fee displayed and accepted in the dashboard may govern a particular Transaction. Partner and third-party fees may apply separately.
| Product or Service | Current Fyntiq Fee | Notes |
|---|---|---|
| Fyntiq Essential | $0 recurring subscription | Features and fees subject to change. |
| Fyntiq Plus | $29.99 per month | Automatic renewal; annual option may be offered. |
| Fyntiq Black | $49.99 per month | Automatic renewal; annual option may be offered. |
| Physical Card | $0 currently | Country and eligibility restrictions apply; subject to change. |
| Replacement Card | $0 currently | Subject to reason, country and future changes. |
| Expedited Card Delivery | Displayed before confirmation | Availability varies. |
| ATM Withdrawal | Up to 3% + $1.00 per withdrawal | ATM operator and FX fees may apply separately. |
| Fiat-to-USDC Conversion | $0 Fyntiq conversion fee at 1:1, unless explicitly disclosed | Third-party funding, bank, card or network fees may apply. |
| Foreign Transaction / Cross-Border | See Exhibit A or dashboard | Network conversion and third-party fees may apply. |
| ACH, Wire and Bank Transfer | Displayed before confirmation | Intermediary and receiving institution fees may apply. |
| Annual Card Dues | Displayed before Card issuance | May remain due once the Card is issued, produced, renewed or activated. |
| Inactivity Fee | None currently disclosed | May be introduced after required notice. |
This Appendix is intended to consolidate key consumer electronic-fund-transfer disclosures. It supplements, and does not replace, any issuer or Partner disclosure required by law. The responsible Partner’s legally required disclosure controls where applicable.
Depending on eligibility, the Services may support Internal Transfers, incoming ACH, direct deposits, wires, bank withdrawals, card funding, Card purchases, ATM withdrawals, recurring Transactions and other electronic transfers shown in the dashboard.
For purposes of a specific transfer, “Business Day” means the day defined in the applicable Transaction disclosure or Partner agreement. Weekends, federal holidays, cutoffs and Partner operations may affect processing.
Limits are displayed in the dashboard and may vary by User. Fees are stated in Appendix 1, Exhibit A, the dashboard or the Transaction disclosure.
Fyntiq will provide electronic Transaction confirmations and periodic Statements as required. You may request available copies from support.
Immediately report a lost or stolen access device or credentials. For an unauthorized electronic fund transfer shown on a periodic Statement, notice generally must be received within 60 days after the Statement was transmitted or made available. Other timing and liability rules may apply. Section 26 contains the reporting and investigation process.
Recurring or preauthorized transfers may be stopped or revoked using the method and timing in the applicable authorization and as required by law. You are responsible for maintaining sufficient Available Balance and accurate linked account information.
Fyntiq may disclose information about your Account or Transactions as necessary to complete Transactions, verify condition or existence of an Account, comply with legal process, investigate fraud, enforce agreements or as otherwise described in Section 28 and applicable privacy notices.