> For the complete documentation index, see [llms.txt](https://docs.onesafe.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.onesafe.io/legal/onesafe-terms-of-service.md). # Onesafe - Terms of Service ### ⬅️ [Back to all legal agreements](https://docs.onesafe.io/) ## OneSafe Terms of Service **Effective Date: June 15, 2026** **Last Updated: June 15, 2026** These Terms of Service ("Terms") form a legally binding agreement between you (the "Customer," "you") and Thresholdz Inc. ("OneSafe," "we," "us," or "our"), a Delaware corporation that provides integrated crypto- and fiat-compatible financial technology services for businesses and other legally recognized entities, including companies, startups, DAOs, and foundations. By applying for or using any of our Services, you accept and agree to these Terms. > **OneSafe is a financial technology company, not a bank.** OneSafe is not a bank, money services business, money transmitter, or broker-dealer, does not itself take deposits or hold or transmit funds, and does not provide banking, payment, or custody services. Banking, payment, and custody services are provided by OneSafe's licensed banking and custody partners — the regulated financial institutions through which accounts, payments, and custody of funds are made available — and your funds are held by those partners, not by OneSafe, subject to their terms. OneSafe provides the software, interface, and tools that let you access those services. **The Services are offered to businesses and entities only.** They are not offered to individuals acting in a personal, family, or household capacity, and are not intended for consumer use. ### 1. Use of the Services #### 1.1. Eligibility This is a contract between you and OneSafe. You must read and agree to these Terms before using the Services. If you do not agree, you may not use the Services. You may use the Services only if: * You are a company, DAO, foundation, or other legally recognized entity (the Services are not offered to individuals acting in a personal, family, or household capacity); * The individual accepting these Terms on your behalf is at least 18 years old and is authorized to bind the entity; * Neither you nor your beneficial owners are located in, organized under the laws of, or otherwise subject to, U.S. or international sanctions, and you are not based in a sanctioned or embargoed jurisdiction; * You are authorized to use the Services and to act on behalf of the entity; and * You agree to comply with these Terms and all applicable laws, rules, and regulations. #### 1.2. Creating an Account Your Account provides access to specific Services, which may include crypto-compatible features and third-party integrations. When creating an Account, you agree to provide accurate, current, and complete information ("Customer Information"). This may include, but is not limited to: * Legal name, business entity information, and nature of business; * Business address; * Personal details of administrators, authorized users, or beneficial owners; * Corporate registration certificates, identification, and proof of address. We may provide Customer Information to our licensed banking and custody partners or other third-party providers (such as our identity-verification provider) for verification, compliance, and eligibility purposes. We may deny your application or suspend your Account if Customer Information is outdated, incomplete, or incorrect. By creating an Account, you confirm you are authorized to provide such information. #### 1.3. Account Management and Security You must appoint at least one Administrator when applying. Administrators are authorized to manage the Account, including: * Adding or removing other Administrators or Users; * Managing cards or spend limits (if applicable); * Connecting third-party services; * Reviewing and updating Customer Information. You are solely responsible for all activity conducted under your Account. You agree to: * Use strong, secure passwords and enable multi-factor authentication (MFA); * Use strong second-factor authentication such as security keys where possible; * Notify OneSafe immediately if you suspect unauthorized access or a security breach; * Accept responsibility for the actions of all Users and Administrators. We may suspend access to your Account if we believe it has been compromised. #### 1.4. First-Party Funds You represent, warrant, and covenant that you access and use the Services solely on your own behalf and with your own funds, and that you will not use your Account to request, collect, hold, receive, or transmit funds or assets belonging to any third party. Use of the Account to move third-party funds is strictly prohibited and is grounds for immediate suspension, restriction, or termination of your Account. #### 1.5. Prohibited Use You agree not to: * Use the Services for any unlawful, abusive, or deceptive activities; * Use the Services to move, hold, or process funds or assets on behalf of any third party; * Impersonate individuals or entities, or misrepresent affiliations; * Interfere with the operation of the Services, including by introducing malware or accessing data without authorization; * Reverse engineer, decompile, or otherwise tamper with any part of the platform; * Use automated means to access the Services without our prior consent; * Violate the rights of others or engage in abusive, harassing, or discriminatory conduct; * Use the Services for the benefit of individuals, organizations, or countries on sanctions lists maintained by OFAC or other government authorities; * Use the Services to collect market intelligence for competing platforms; * Engage in abusive, threatening, or improper conduct toward OneSafe, its staff, or partners. #### 1.6. Beta Services OneSafe may offer certain features designated as Beta Services. These features may be unstable or incomplete and are provided "as-is." You acknowledge the risk of using Beta Services and agree not to rely on them for critical operations. Participation is optional and at your discretion. ### 2. Scope of Services #### 2.1. Crypto and Fiat-Compatible Services Subject to eligibility and partner integration, OneSafe provides: * Crypto on- and off-ramps; * Custodial and/or non-custodial wallet access; * Multi-asset account management; * Stablecoin and USD-denominated balances; * Transaction history and reporting tools. #### 2.2. Funds and Currency Support Balances in your OneSafe Account are held in supported stablecoins — currently USD Coin (USDC) or USDB — through OneSafe's licensed banking and custody partners. For convenience, your balance may be displayed in the Services as a U.S. Dollar (USD)-denominated amount. This display is a representation of the value of the underlying stablecoins and does not mean that OneSafe or its partners hold U.S. Dollars on your behalf, that balances are bank deposits, or that they are convertible to U.S. Dollars except as expressly made available through the Services. You may also hold balances in other supported crypto tokens. Supported assets may change at any time, with or without notice. **2.2.1. Unsupported Currencies, Tokens, and Networks; Risk of Loss** You are solely responsible for ensuring that any deposit, transfer, or other transaction to your OneSafe Account is made (i) in a currency, token, or asset that OneSafe currently supports, (ii) on a blockchain network or layer that OneSafe currently supports for that asset, and (iii) to the correct, current deposit address displayed in the Services at the time of the transaction. Supported assets, networks, and addresses may change at any time, with or without notice. OneSafe does not support, custody, monitor, recover, or accept any liability for: * Deposits or transfers of unsupported currencies, tokens, or other assets; * Transactions sent on an unsupported blockchain or layer (including sending an asset on the wrong chain or via an unsupported bridge); * Transactions sent to an incorrect, outdated, or invalid address; or * Transactions where you, your wallet, or a third-party service selected the wrong asset, network, or destination. You acknowledge and agree that any such transaction may result in the permanent and irreversible loss of funds, that OneSafe has no obligation to attempt recovery, return, credit, or replacement of such funds, and that OneSafe shall bear no liability whatsoever — contractual, statutory, or otherwise — for any loss, damage, or expense arising from or related to such transactions. To the extent OneSafe, in its sole discretion, elects to attempt a recovery, you agree that (a) recovery is not guaranteed, (b) OneSafe makes no representations or warranties as to outcome or timing, and (c) OneSafe may charge reasonable fees for the attempt regardless of outcome. #### 2.3. Cards and Payment Features OneSafe may facilitate access to virtual or physical payment cards via third-party partners. These cards may support: * Dynamic spend limits; * Multi-currency spending and conversions; * Rewards or benefits programs (if applicable). **2.3.1. Requesting Cards** Administrators may request Cards for Users but will only do so for individuals who are authorized. Cards may be denied or canceled due to changes in issuer policies, legal obligations, or risk concerns. Cards may be virtual or physical. Administrators can manage Cards through the Services. **2.3.2. Using Cards** Users may only use Cards for legitimate purposes. You must maintain internal controls to ensure Cards are used in accordance with your organizational needs and OneSafe's policies. You are responsible for all Charges made by Users, even if not authorized. Charges may be denied or reversed by card networks or partners. OneSafe is not responsible for such reversals. **2.3.3. Disputed Charges** If you dispute a Charge, contact the merchant directly. If unresolved, submit a dispute via OneSafe. Not all disputes will qualify for a chargeback, and resolution is subject to applicable network rules. You must notify OneSafe within 60 days of the Charge. We may credit your Account if the dispute is deemed valid. **2.3.4. Lost or Stolen Cards** Notify OneSafe immediately if a Card is lost, stolen, or misused. Administrators may request replacements. You are responsible for updating payment information for recurring charges if card details change. OneSafe may suspend Card functionality for security reasons. ### 3. Restricted Activities and Compliance #### 3.1. Restricted Activities You agree not to use the Services for activities that: * Violate AML/CTF regulations; * Involve unlicensed securities trading or fundraising; * Use privacy coins, coin mixers/tumblers, or obfuscation tools; * Support darknet markets, ransomware, or terrorist organizations. #### 3.2. Sanctioned Jurisdictions We do not provide Services to individuals or entities located in embargoed jurisdictions or listed on international sanctions lists maintained by OFAC, the EU, or other relevant authorities. #### 3.3. Enforcement Rights OneSafe may suspend or terminate your Account, freeze assets, or restrict access if we suspect any violation of these Terms or applicable laws, or as required by our licensed banking and custody partners or applicable law. ### 4. Fees and Charges #### 4.1. Fees You agree to pay all fees applicable to your use of the Services, which may include subscription or platform (SaaS) fees, FX or conversion spreads, transaction and payment fees, card fees, onboarding fees, and the miscellaneous and inactivity fees described below. Subscription or platform fees may be billed on a recurring (e.g., monthly or annual) basis. Applicable fees are disclosed on our website, in our documentation, in an applicable plan or order form, or as otherwise communicated to you. #### 4.2. Fees Are Non-Refundable Except where required by applicable law, all fees are non-refundable and are payable in full, are not contingent on your usage of the Services, and no refunds or credits will be provided for partial periods, unused Services, downgrades, or the voluntary or involuntary suspension or termination of your Account. #### 4.3. Authorization to Charge and Set-Off You authorize OneSafe to charge, debit, or deduct fees and other amounts you owe from your Account balance, a linked payment method, or amounts otherwise held for you. OneSafe may set off and deduct from your Account balance, or any amounts held for you, any fees, charges, chargebacks, reversals, or other amounts you owe to OneSafe or its partners under these Terms. #### 4.4. Changes to Fees OneSafe may change its fees from time to time. Continued use of the Services after any change constitutes acceptance of the new fees. #### 4.5. Miscellaneous and Inactivity Fees In addition to disclosed fees, OneSafe reserves the right to charge miscellaneous fees including, but not limited to, account inactivity fees, account closure fees, investigation or compliance processing fees, or other administrative charges as applicable. These fees may be assessed with or without prior notice if deemed necessary for cost recovery or risk management. #### 4.6. Taxes You are responsible for determining and paying any taxes related to your use of OneSafe Services. ### 5. Customer Acknowledgments and Assumption of Risk You understand and accept the risks inherent in crypto-related and cross-border financial services, and you use the Services on that basis. In particular, you acknowledge and agree that: * **Irreversibility.** Blockchain transactions are generally final and cannot be reversed, cancelled, or recalled by OneSafe once submitted to a network or partner. * **Asset, network, and address accuracy.** You are responsible for selecting the correct asset, network, and destination address, as described in Section 2.2.1. Sending unsupported assets, using an unsupported network, or sending to an incorrect address may result in the permanent and irreversible loss of funds, for which OneSafe is not responsible. * **Volatility and value.** The value of digital assets can be volatile and may decline, including to zero. OneSafe does not guarantee the value, liquidity, or convertibility of any asset. * **Stablecoin risk.** Supported stablecoins are issued by third parties, not by OneSafe. A stablecoin may lose its peg, decline in value, or become illiquid or non-redeemable, and OneSafe does not control, guarantee, or assume responsibility for any stablecoin issuer's reserves, redemption, or maintenance of value. * **No insurance.** Digital assets (including stablecoins and other crypto tokens) are not legal tender, are not backed or guaranteed by OneSafe, and are not covered by FDIC deposit insurance or SIPC protection. Any deposit insurance that may apply to fiat balances, if any, is provided solely by a licensed banking partner, only to the extent and subject to the conditions that partner specifies, and OneSafe does not guarantee its availability. * **Third-party reliance.** The Services rely on third-party providers, networks, and protocols that OneSafe does not control. OneSafe is not responsible for the acts, omissions, availability, security, or performance of any third party, including blockchain networks, wallet providers, and partners. * **Regulatory change.** Laws applicable to digital assets and cross-border payments are evolving, and changes may affect the availability of, or your ability to use, the Services. * **Not advice.** OneSafe does not provide legal, tax, accounting, investment, or financial advice, and nothing in the Services constitutes such advice or a recommendation. You are responsible for your own decisions. * **No fiduciary relationship.** Nothing in these Terms creates any fiduciary, advisory, trustee, or agency relationship between you and OneSafe. To the maximum extent permitted by law, you assume all risks described above and agree that OneSafe is not liable for losses arising from them. ### 6. User Responsibilities You agree to: * Provide accurate and truthful information; * Secure your login credentials and devices; * Use the Services lawfully; * Notify us immediately of unauthorized activity. You are responsible for all activity conducted through your Account. ### 7. Disclaimer of Warranties The Services are provided "AS IS" and "AS AVAILABLE," with all faults and without warranties of any kind. To the maximum extent permitted by law, OneSafe and the Indemnified Parties disclaim all warranties, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade. OneSafe does not warrant that the Services will be uninterrupted, secure, error-free, or free of harmful components, or that any data will be accurate or preserved without loss. No advice or information obtained from OneSafe creates any warranty not expressly stated in these Terms. ### 8. Limitation of Liability #### 8.1. Limitation of Liability To the maximum extent permitted by law, OneSafe, its affiliates, agents, directors, employees, suppliers, or licensors shall not be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to the use of, or inability to use, the Services. OneSafe is not responsible for any damage, loss, or injury resulting from hacking, tampering, or other unauthorized access or use of the Services or your Account. We further assume no liability or responsibility for any: * Errors or inaccuracies in content; * Personal injury or property damage resulting from your access to or use of the Services; * Unauthorized access to or use of servers or personal information stored therein; * Interruption or cessation of transmissions; * Bugs, viruses, or other malicious software transmitted via the Services; * Loss or damage incurred from content transmitted through the Services; * User Content or offensive/illegal conduct of any third party; * Deposits, transfers, or other transactions involving unsupported currencies, tokens, or networks, or sent to incorrect addresses, including any resulting permanent loss of funds, as further described in Section 2.2.1. To the maximum extent permitted by law, the total aggregate liability of OneSafe and the Indemnified Parties arising out of or relating to these Terms or the Services will not exceed the greater of (a) the total fees you paid to OneSafe for the Services in the six (6) months immediately preceding the event giving rise to the claim, or (b) US$1,000. This limitation applies regardless of the legal theory and even if we have been advised of the possibility of such damages. The foregoing limitations do not apply to liability that cannot be limited or excluded under applicable law, such as liability for fraud or willful misconduct. #### 8.2. No Guarantee of Access The Services may experience interruptions. We do not guarantee continuous or error-free access. #### 8.3. Force Majeure We are not liable for delays or failures due to causes beyond our control. ### 9. Indemnification To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless OneSafe, its affiliates, and their respective officers, directors, employees, agents, suppliers, licensors, and licensed banking and custody partners (the "Indemnified Parties") from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your access to or use of the Services; (b) your breach or alleged breach of these Terms or any representation, warranty, or covenant in them; (c) your violation of any applicable law or regulation, or the rights of any third party; (d) Customer Information you provide, or your failure to verify the identity or information of your Users; (e) any activity conducted under your Account, including by your Administrators and Users; (f) Charges, transactions, or instructions submitted through your Account; and (g) taxes you are responsible for. OneSafe may, at its option, assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate. This Section survives termination. ### 10. Term, Suspension, and Termination These Terms apply for as long as you have an Account or use the Services. You may stop using the Services at any time. OneSafe may suspend, restrict, freeze, or terminate your Account or access to the Services as described in Section 3.3, or where required by our licensed banking and custody partners or applicable law. On suspension or termination, OneSafe may restrict access and, working with its partners, return any remaining supported balances to which you are entitled to a verified account or wallet you control, subject to completion of applicable compliance checks, applicable law, and deduction of any amounts you owe. OneSafe is not liable for losses arising from a suspension or termination undertaken in good faith. Dormant or unclaimed balances may be handled in accordance with applicable unclaimed-property law. Termination does not relieve you of any obligation to pay fees or other amounts accrued before termination. ### 11. Dispute Resolution #### 11.1. Governing Law These Terms shall be governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles. #### 11.2. Arbitration All disputes shall be resolved through confidential binding arbitration administered by JAMS and governed by the Federal Arbitration Act. Arbitration may be conducted in person in your county of residence or via online/remote methods. Each party shall bear its own costs unless otherwise determined by the arbitrator. This clause does not preclude either party from seeking equitable relief for intellectual property infringement or data security violations. #### 11.3. Class Action Waiver You agree that any arbitration or proceeding shall be limited to disputes between you and OneSafe individually. You may not bring claims as a plaintiff or class member in any purported class or representative action. ### 12. Changes to These Terms We may update these Terms at any time. Updates will be posted to our website or account interface. By continuing to use the Services after an update, you accept the revised Terms. ### 13. Miscellaneous * **Entire Agreement.** These Terms, together with any policies and agreements referenced in them, constitute the entire agreement between you and OneSafe regarding the Services and supersede any prior agreements on the subject. * **Severability.** If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect, and the unenforceable provision will be enforced to the maximum extent permitted by law. * **Waiver.** OneSafe's failure to enforce any provision is not a waiver of its right to do so later. * **Assignment.** You may not assign or transfer these Terms without OneSafe's prior written consent. OneSafe may assign these Terms freely, including to an affiliate or in connection with a merger, acquisition, or sale of assets. * **Survival.** Provisions that by their nature should survive termination — including First-Party Funds, fees accrued, Assumption of Risk, Disclaimer of Warranties, Limitation of Liability, Indemnification, Set-Off, Dispute Resolution, Definitions, and this Section — survive termination. * **Relationship of the Parties.** You and OneSafe are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, or fiduciary relationship. * **No Third-Party Beneficiaries.** Except for the Indemnified Parties and OneSafe's licensed banking and custody partners, these Terms do not create any third-party beneficiary rights. * **Electronic Communications.** You consent to receive communications electronically as described in our Electronic Communications Consent and related policies. ### 14. Contact Information For legal notices or support inquiries, please contact: * **Email:** * **Address:** 3 Germay Drive, Wilmington, Delaware 19804, USA ### 15. Definitions * **"Administrator"** — A person authorized to manage an Account and act on behalf of the Customer. * **"Beta Services"** — Features made available for evaluation purposes that may be incomplete or unstable. * **"Charge"** — A transaction made using a Card. * **"Customer Information"** — Information provided during onboarding, including business and related personal data. * **"Fees"** — The fees described in Section 4, including subscription/platform (SaaS) fees, spreads, transaction and card fees, onboarding fees, and miscellaneous and inactivity fees. * **"Indemnified Parties"** — OneSafe, its affiliates, and their respective officers, directors, employees, agents, suppliers, licensors, and licensed banking and custody partners. * **"Licensed banking and custody partners"** — The regulated financial institutions through which accounts, payments, and custody of funds are provided. * **"OneSafe Account"** — Your registered account with OneSafe. * **"Services"** — The crypto- and fiat-compatible financial technology services provided by OneSafe. * **"User"** — Anyone authorized to access and use the Services on the Customer's behalf. By using OneSafe, you acknowledge and accept these Terms of Service. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.onesafe.io/legal/onesafe-terms-of-service.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.