TERMS OF SERVICE

Last Updated: Feb 24 2026

1. INTRODUCTION

These Terms of Service (the "Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Klydo, Inc., a Delaware corporation (d/b/a VaultLeap) ("VaultLeap," "Klydo," "we," "us," or "our").

Klydo, Inc. is the successor-in-interest to Klydo LLC, a California limited liability company, and has assumed all rights, obligations, and liabilities under any prior versions of these Terms. All references to "Klydo" or "VaultLeap" include both the Delaware corporation and its predecessor entity as applicable.

These Terms govern your access to and use of the VaultLeap website located at vaultleap.com and all related tools, mobile applications, web applications, APIs, and other services offered or operated by Klydo (collectively, the "VaultLeap Platform" or the "Services").

By accessing, browsing, or using the Services, creating an account, or initiating any transaction on the VaultLeap Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Services.

2. VAULTLEAP PLATFORM SERVICES

2.1. Nature of Services.

The VaultLeap Platform ("Platform") constitutes a proprietary financial technology interface that enables authorized users to access regulated financial services through licensed third-party partners, including the ability to:

  • Access United States Dollar (USD), Euro (EUR), and Mexican Peso (MXN) virtual account infrastructure through regulated banking partners, including ACH, SEPA, and SPEI payment rails
  • Receive payments and initiate transfers via ACH, SEPA, wire, and SPEI mechanisms, subject to geographic availability and partner constraints
  • Effectuate automated conversion between fiat currency and blockchain-based stablecoin assets (including but not limited to USDC and EURC)
  • Execute domestic and cross-border payment transfers through a unified technological orchestration layer

2.2. Eligibility and Access Requirements.

Utilization of the Platform requires:

  • Establishment and maintenance of an authorized VaultLeap account
  • Successful completion of all applicable identity verification and know-your-customer protocols as mandated by relevant regulatory frameworks
  • Connection of compatible digital asset storage solutions where applicable
  • Ongoing compliance with all Platform policies and applicable regulations

Klydo reserves the right to modify eligibility requirements at its sole discretion.

2.3. Non-Banking Status.

User expressly acknowledges and agrees that Klydo, Inc. (d/b/a VaultLeap) is a financial technology company, not a bank, financial institution, or money transmitter. All banking, payment, and money-movement services available through the Platform are provided by regulated financial-institution partners, each operating under its own regulatory authority and compliance program.

VaultLeap's Role:

VaultLeap's role is strictly limited to providing a technology interface, orchestration layer, and user experience that connects users to those regulated partners. VaultLeap does not hold customer funds, custody digital assets, or engage in money transmission. Any funds appearing in your VaultLeap interface are held by or settled through partner financial institutions in accordance with their respective terms and regulatory obligations.

Fees and Pricing:

Fees, pricing tiers, rate adjustments, points, rewards, and any tier-based benefits are determined and administered solely by Klydo, Inc. in its capacity as a technology service provider. Such fees and program benefits are for access to and use of the VaultLeap Platform and are independent of any fees charged by the underlying financial institutions or network providers. Only transactions processed through licensed partner banking rails (ACH, SEPA, SWIFT, or other equivalent channels) qualify toward VaultLeap fee calculations and Eligible Volume calculations as defined below. On-chain transfers do not qualify.

Your Acknowledgment:

By using the Services, you acknowledge that:

  • VaultLeap's relationship with you is that of a technology provider, not a financial institution
  • Your accounts and transactions remain subject to the terms and compliance programs of the underlying regulated entities
  • VaultLeap has no authority to receive, hold, or transmit your funds on its own behalf

3. ELIGIBILITY AND ACCOUNT CREATION

3.1. Eligibility.

To access and use the Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. You further represent and warrant that you are not barred from using the Services under any applicable law, including the laws of the United States or any other jurisdiction from which you may access the Services.

3.2. Account Creation and Verification.

To utilize the VaultLeap Platform's services, you must:

  • Create a secure account with accurate identification information
  • Complete identity verification processes as required by applicable regulations
  • Provide necessary documentation for KYC (Know Your Customer) compliance
  • Maintain current contact and banking details
  • Update information promptly when changed

3.3. Security Responsibilities.

You are solely responsible for:

  • Maintaining the security of your account credentials
  • Protecting access to any connected wallets or banking accounts
  • Ensuring that all activities occurring under your account are authorized by you
  • Notifying us immediately of any unauthorized use or security breach

4. PLATFORM ARCHITECTURE AND OPERATIONS

4.1. Dual-System Infrastructure.

The Platform employs a proprietary dual-system architecture:

4.1.1. Banking Interface System.

Provides users with access to banking infrastructure through partnerships with regulated financial institutions, enabling ACH/SEPA payment receipt, compliant documentation, and fiat currency transfers.

4.1.2. Currency Protection System.

Facilitates automated conversion between fiat currency and stablecoin digital assets, enabling value preservation against local currency volatility, with assets secured through non-custodial blockchain infrastructure.

4.2. Operational Independence.

The Banking Interface System and Currency Protection System operate as independent technological infrastructures with distinct security architectures, operational frameworks, and regulatory considerations. User acknowledges that:

  • Banking operations are subject to the terms, conditions, processing times, and regulatory requirements of our banking partners
  • Stablecoin operations execute independently on applicable blockchain networks and are subject to network conditions, validator consensus, and protocol governance
  • Klydo maintains appropriate technological firewalls between systems while enabling interoperability for user convenience
  • Each system maintains independent compliance frameworks appropriate to its regulatory classification

5. STABLECOIN CURRENCY PROTECTION PROVISIONS

5.1. Stablecoin Functionality.

The Platform facilitates automated conversion between fiat currency and blockchain-based stablecoin assets to mitigate exposure to local currency volatility.

5.2. Risk Acknowledgment.

User expressly acknowledges and assumes all risks associated with stablecoin assets, including but not limited to:

5.2.1. Issuer Risk.

Stablecoin value depends on the reserves, financial stability, and operational integrity of third-party issuers over whom Klydo exercises no control.

5.2.2. Regulatory Risk.

Stablecoin assets operate in an evolving regulatory landscape that may impact their availability, functionality, or legal status in various jurisdictions.

5.2.3. Technology Risk.

Blockchain infrastructure and smart contract systems may contain vulnerabilities or be subject to network congestion, forks, or other technological limitations beyond Klydo's control.

5.2.4. Market Risk.

While designed for stability, stablecoin assets may experience fluctuations in value, liquidity constraints, or redemption limitations.

5.3. Non-Custodial Architecture.

User expressly acknowledges that the Currency Protection System employs non-custodial architecture wherein:

  • User maintains exclusive control over private keys and stablecoin assets
  • Klydo cannot access, control, freeze, or transfer User's stablecoin assets
  • Klydo cannot reverse, modify, or cancel transactions once executed on the blockchain
  • User assumes sole responsibility for private key security

6. USER RESPONSIBILITIES AND PROHIBITED ACTIVITIES

6.1. User Responsibilities.

As a user of the Services, you agree to:

  • Complete required verification procedures truthfully and promptly
  • Maintain the security of your account credentials and wallet private keys
  • Ensure the accuracy of banking and payment information
  • Comply with all applicable laws and regulations when using the Services
  • Use the Services only for legitimate business or personal financial activities
  • Review and understand the functionality of both banking and stablecoin components
  • Implement appropriate security measures to protect access to your account and wallet
  • Report any unauthorized access or suspicious activity immediately

6.2. Prohibited Activities.

When using the Services, you agree not to:

  • Violate any applicable laws or regulations, including financial regulations and sanctions
  • Use the Services for money laundering, terrorist financing, or other illegal activities
  • Attempt to circumvent any security measures or verification procedures
  • Provide false or misleading information during verification processes
  • Interfere with the operation of the Services or underlying systems
  • Access or attempt to access other users' accounts or information
  • Use the Services to conduct transactions involving prohibited goods or services
  • Engage in any activity that may disrupt or negatively impact the VaultLeap Platform
  • Maintain or attempt to maintain duplicate accounts (each individual may hold only one personal account; each business entity may hold only one business account)
  • Attempt to circumvent pricing tiers, points calculations, subscription requirements, usage limits, tier eligibility, or plan restrictions through multiple accounts, transaction splitting, manufactured spending, automation, refund abuse, chargeback abuse, or other means

7. FEES, TIERS, AND PRICING

7.1. Overview.

VaultLeap applies a transparent pricing model for access to and use of the VaultLeap Platform. Certain fees, rates, limits, or feature access may vary based on your tier status, plan enrollment, and usage of the Services. All fees are subject to change at any time at Klydo's sole discretion. By continuing to use the Platform, you agree to the fee schedule and program rules in effect at the time a transaction is processed.

7.1.1. Eligible Volume.

"Eligible Volume" means transaction volume that qualifies for Tier Point accrual and tier calculations, as determined by VaultLeap in its sole discretion and as described on the Pricing page or Rewards page.

Eligible Volume generally includes:

  • Posted card purchase transactions made using the VaultLeap Card
  • Posted incoming and outgoing payments processed through VaultLeap virtual accounts via licensed partner banking rails (including ACH, SEPA, wire, or equivalent partner rails), if enabled for your account

Eligible Volume excludes:

  • On-chain transfers, internal wallet transfers, and blockchain-to-blockchain transfers
  • Gas fees and network fees
  • Reversals, refunds, cancellations, and chargebacks
  • ATM withdrawals and cash advances
  • Fraudulent, abusive, manufactured, or prohibited activity
  • Any activity VaultLeap or its partners determine to be ineligible

VaultLeap may add, remove, modify, or condition Eligible Volume categories at any time based on geography, plan, partner constraints, risk tier, product availability, or compliance requirements.

7.2. Tier-Based Virtual Account Fees.

VaultLeap may apply a Platform fee to certain transactions processed through VaultLeap virtual accounts and regulated banking rails (the "Virtual Account Fee").

The Virtual Account Fee rate is determined by your current tier status. Tiers are determined based on your rolling thirty-day (30-day) points total, calculated as described in Section 7.3.

7.2.1. Card-Endorsed Accounts.

For users who have been issued and activated a VaultLeap Card ("Card-Endorsed Accounts"), tier thresholds are based on points earned from eligible card spend:

Current Tier Thresholds — Card-Endorsed (Rolling 30-Day Points Total):

TierRolling 30-Day Points TotalVirtual Account Fee Rate
Standard0 – 29,9990.75%
Pro30,000 – 199,9990.65%
Zero200,000+0.00% up to $40,000/month; 0.55% thereafter

7.2.2. Non-Card-Endorsed Accounts.

For users who have not been issued or activated a VaultLeap Card ("Non-Card-Endorsed Accounts"), tier thresholds are based on points earned from eligible virtual account and liquidation address volume:

Current Tier Thresholds — Non-Card-Endorsed (Rolling 30-Day Points Total):

TierRolling 30-Day Points TotalVirtual Account Fee Rate
Standard0 – 2,499,9990.75%
Pro2,500,000+0.65%

The Zero tier is available exclusively to Card-Endorsed Accounts. Non-Card-Endorsed Accounts are not eligible for Zero-tier status or Zero-tier fee rates, regardless of points total or transaction volume.

Tier thresholds, tier names, and fee rates may be updated from time to time and are published at vaultleap.com/pricing.

7.2.3. Zero Tier Monthly Fee Cap.

Users qualifying for the Zero tier receive a 0.00% VaultLeap Platform fee on eligible virtual account transactions up to an aggregate maximum of $40,000 USD-equivalent per calendar month (the "Zero Tier Allowance").

Any eligible virtual account transaction volume processed above $40,000 USD-equivalent within the same calendar month will be subject to a 0.55% VaultLeap Platform fee, unless otherwise stated on the VaultLeap Pricing page.

The Zero Tier Allowance applies per user account, resets at the start of each calendar month, and does not roll over.

7.3. Points System; Earning and Calculation.

VaultLeap uses a points system to calculate tier eligibility and display rewards progress. Points are a unitless metric used only for determining tier status and related Platform benefits, unless VaultLeap expressly states otherwise in writing.

(a) Points Conversion.

For purposes of tier qualification, VaultLeap converts points into a USDC-equivalent tier metric. Unless otherwise specified, the conversion is:

10 points = 1 USDC equivalent

(b) Eligible Point Sources.

Points may be earned from Eligible Volume, which may include:

  • Posted card purchase transactions made with the VaultLeap Card (excluding pending transactions)
  • Posted incoming and outgoing payments processed through VaultLeap virtual accounts via licensed partner banking rails (including ACH, SEPA, wire, or equivalent partner rails), if enabled for your account
  • Promotional bonuses, seasonal campaigns, referral bonuses, or special event rewards, if offered at VaultLeap's sole discretion

Card-Endorsed Accounts earn points from eligible card spend. Non-Card-Endorsed Accounts earn points from eligible virtual account and liquidation address volume. The applicable point source determines which tier thresholds apply to your account.

VaultLeap may add, remove, or modify point sources at any time. VaultLeap may, from time to time, offer limited-time promotional campaigns, holiday bonuses, or special earning multipliers that allow users to earn additional points on qualifying activities. Such promotions are offered at VaultLeap's sole discretion, may have specific eligibility requirements, time limits, caps, or other restrictions, and may be modified, suspended, or terminated at any time without advance notice. Participation in promotional campaigns does not create any ongoing entitlement to similar promotions in the future.

(c) Excluded Activity.

Points are not earned from:

  • Any on-chain transfers, internal wallet transfers, or blockchain-to-blockchain transfers
  • ATM withdrawals or cash advances
  • Transactions that are reversed, refunded, canceled, or charged back
  • Fees, including blockchain network (gas) fees or partner fees
  • Fraudulent, abusive, manufactured, or prohibited activity
  • Any activity VaultLeap or its partners determine to be ineligible

(d) Posting and Timing.

Points are awarded only for posted or settled transactions as reflected in partner systems. Pending authorizations do not earn points. Delays in posting may occur based on merchant, network, or partner processing.

(e) Adjustments and Reversals.

If an eligible transaction is later reversed, refunded, or charged back, VaultLeap may deduct the corresponding points, including by posting negative point entries. Such deductions may reduce your rolling points total and may result in tier downgrade.

7.4. Rolling 30-Day Window; Tier Evaluation; Downgrades.

(a) Rolling Window.

Only points earned within the most recent thirty (30) days count toward your current tier.

(b) Expiration.

Points expire on a rolling basis and drop off when they are more than 30 days old.

(c) Continuous Recalculation.

Your tier may be recalculated continuously or periodically based on system evaluation. When your rolling 30-day total crosses a tier threshold, your tier status and applicable Virtual Account Fee rate may change automatically.

(d) Downgrades.

If your rolling 30-day total decreases below a tier threshold due to expiration, reversals, refunds, chargebacks, or other adjustments, your tier may downgrade and your Virtual Account Fee rate may increase.

(e) No Entitlement.

Tier status and tier-based benefits are not vested, guaranteed, or permanent, and may change at any time based on eligibility rules, partner constraints, compliance review, or program modifications.

VaultLeap may monitor usage and apply reasonable controls to prevent circumvention or abuse of the Zero Tier Allowance, including transaction splitting, account rotation, or other behavior intended to evade applicable fees.

(f) No Monetary Value; No Transfer.

Points are a unitless rewards metric used solely to determine tier eligibility and related Platform benefits. Points have no cash value, are not currency or property, and do not constitute stored value, a deposit, or any financial instrument. Points cannot be redeemed for cash, transferred, assigned, gifted, pledged, or sold, and have no value outside the VaultLeap Platform. Points are personal to the account that earned them and may not be combined across accounts.

(g) No Vested Rights; Program Discretion.

Points, tiers, and any associated benefits are not vested and do not create any legal rights or entitlements. VaultLeap may modify, suspend, or terminate the points program, tier thresholds, point conversion rates, eligibility rules, or associated benefits at any time, in whole or in part, in its sole discretion, including to address fraud, compliance requirements, operational constraints, or partner limitations.

(h) Forfeiture; Fraud and Abuse.

VaultLeap may withhold, reverse, adjust, or forfeit points if VaultLeap determines, in its sole discretion, that points were earned through prohibited activity, abuse, manipulation, refunds or chargeback patterns, policy violations, or activity that violates law, network rules, or partner requirements. Such actions may result in tier downgrade, loss of benefits, suspension, or account termination.

7.5. Transparency.

VaultLeap may display your current tier, rolling 30-day points total, and progress toward the next tier in your account profile or Rewards page. Display values are estimates based on available partner data and may change when transactions post, settle, reverse, or are reclassified.

7.6. Fee Changes and Notifications.

VaultLeap may revise, update, or discontinue any fee, rate, points conversion, tier threshold, or program rule at any time, at its sole discretion, to reflect market conditions, regulatory costs, network changes, fraud risk, or updates from partner financial institutions. Updated pricing will be published at vaultleap.com/pricing and will apply to future transactions. Your continued use of the Platform after publication constitutes acceptance of those changes.

Changes may also include the introduction, modification, or removal of subscription fees, premium tiers, or feature-based pricing.

Material Changes Notice:

For material changes to tier thresholds, subscription pricing, or program structure that negatively impact existing users, VaultLeap will provide thirty (30) days' advance notice via email or in-app notification. During this notice period, affected users may elect to:

  • (i) accept the new terms
  • (ii) downgrade to a free tier if available
  • (iii) close their account without penalty and receive any applicable refunds as described in Section 7.11

7.7. Billing and Deduction of Fees.

All applicable fees are automatically deducted at the time of processing. For blockchain-settled transactions, users remain responsible for applicable network ("gas") fees. Where partner financial institutions impose additional service charges, those charges are passed through without markup.

7.8. Foreign Exchange and Currency Conversion.

When converting between supported currencies (for example USD ↔ EUR, USD ↔ MXN, USD ↔ BRL, USDC ↔ EURC, and similar pairs), VaultLeap applies an exchange rate derived from the prevailing mid-market rate at the time of settlement, plus a small spread:

  • 0.50% (50 bps) for most currencies
  • 0.55% (55 bps) for BRL FX conversions (or other pairs where underlying liquidity or network costs are higher)

VaultLeap does not fix, guarantee, or represent that any quoted rate will match third-party or "mid-market" benchmarks. Conversion rates may include additional execution costs, liquidity spreads, or network fees passed through from VaultLeap's regulated banking and payment partners (including Bridge Ventures LLC (Bridge) and its providers). All conversions are displayed in USD-equivalent terms for transparency. Final settlement values may differ slightly from indicative quotes due to market movement, partner pricing, or third-party adjustments.

7.9. Third-Party and Regulatory Costs.

Some fees may include pass-through costs from regulated partners, financial institutions, or blockchain networks. VaultLeap does not control or guarantee third-party pricing and may adjust its rates to maintain compliance with partner or regulatory requirements. VaultLeap is not liable for changes imposed by third parties or regulatory bodies affecting transaction costs.

7.10. Taxes.

All fees are exclusive of applicable taxes. You are responsible for any taxes, duties, or governmental charges that apply to your use of the Services under your jurisdiction.

7.11. Subscription Plans and Premium Tiers.

VaultLeap may offer multiple service plans, including free, paid, promotional, enterprise, or premium tiers (each, a "Plan"), which may differ in pricing, features, limits, eligibility requirements, and availability.

Certain features, transaction limits, fee rates, integrations, or support levels may be available only to users enrolled in specific Plans. Plan details, pricing, and included features are described on the VaultLeap Pricing page and may be updated from time to time.

If a Plan includes a recurring subscription fee, such fees will be billed in advance on a monthly or annual basis, as disclosed at the time of enrollment. Subscription fees are non-refundable except where required by law.

VaultLeap reserves the right to modify, suspend, downgrade, or terminate any Plan, or a user's eligibility for a Plan, at any time due to compliance requirements, abuse, misuse, non-payment, or changes in partner or regulatory constraints.

Plan names, labels, and marketing descriptions are for convenience only and do not create legal entitlements, guarantees, or service-level commitments unless expressly stated in writing.

Pro Tier Subscription.

VaultLeap may offer users the ability to subscribe to the Pro tier for a recurring fee (the "Pro Subscription"), subject to availability and eligibility.

Current Pro Subscription pricing:

  • $249 USD per month, or
  • $2,390 USD per year (equivalent to a 20% discount on the monthly rate)

The Pro Subscription provides access to Pro-tier benefits, including the Pro-tier Virtual Account Fee rate (currently 0.65%), without requiring the user to meet the applicable points threshold, for the duration of the active subscription.

Billing and Payment Processing.

Pro Subscription fees are billed in advance on a recurring monthly or annual basis and are processed by a third-party payment processor, currently Stripe, in accordance with Stripe's terms and policies.

By enrolling in a Pro Subscription, you authorize VaultLeap and its payment processor to charge the applicable subscription fee to your selected payment method on a recurring basis until the subscription is canceled.

Pricing Changes for Existing Subscribers.

For existing Pro Subscription holders at the time of any price increase, the new pricing will apply starting with the first renewal period that occurs at least thirty (30) days after notice of the price change is provided via email or in-app notification.

Existing subscribers may cancel their subscription at any time before the new pricing takes effect without penalty, and no further charges will be applied after the current billing period ends.

Cancellation and Refunds.

You may cancel your Pro Subscription at any time through your account settings or by contacting VaultLeap Support at support@vaultleap.com. Cancellation will take effect at the end of the current billing period.

Subscription fees are non-refundable, except where required by applicable law or as provided in Section 7.6 for material adverse changes. No partial refunds, credits, or prorated refunds are provided for unused time, except:

  • Annual subscribers who cancel within fourteen (14) days of initial purchase may receive a prorated refund for unused months; or
  • Where VaultLeap materially reduces the features or benefits included in the Pro Subscription, affected subscribers may request a prorated refund for the remaining term

Relationship to Points and Tier Qualification.

A Pro Subscription does not grant points, does not affect points accrual, and does not count toward qualification for the Zero tier. Zero-tier eligibility, benefits, and limits may only be obtained through the applicable rolling 30-day points thresholds for Card-Endorsed Accounts or other criteria expressly defined by VaultLeap.

Users who qualify for Pro tier through points while also holding an active Pro Subscription will retain Pro-tier benefits regardless of points fluctuation for the duration of the subscription.

Suspension or Termination.

VaultLeap may suspend or terminate Pro Subscription benefits if payment fails, the subscription is canceled, or the associated VaultLeap account is suspended or restricted due to compliance requirements, suspected abuse, fraud, or legal obligations.

8. VAULTLEAP CARD SERVICES

8.1. Overview.

VaultLeap offers access to a prepaid Visa® debit card (the "VaultLeap Card" or the "Card") issued by Lead Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The VaultLeap Card allows eligible users to load funds onto the Card and spend those funds for everyday purchases wherever Visa® debit cards are accepted. The Card is managed and operated in partnership with Bridge Ventures LLC ("Bridge"), a licensed and regulated program manager.

8.2. Eligibility.

To receive a VaultLeap Card, you must:

  • Maintain an active, verified VaultLeap Account in good standing
  • Complete any additional identity verification required by Lead Bank or Bridge
  • Reside in a jurisdiction where the Card program is available

Lead Bank and Bridge may approve or deny issuance at their discretion in accordance with applicable law and compliance policies.

8.3. Supported Countries.

The VaultLeap Card is currently available to users located in:

  • The United States
  • Select countries in Latin America
  • Select regions in Africa

Availability is determined by Bridge and Lead Bank, and may expand to additional jurisdictions as regulatory and licensing requirements permit.

Availability is subject to change at any time based on compliance reviews, network restrictions, or local regulatory updates.

8.4. Relationship to VaultLeap Account and Card Funding.

  • (a) The VaultLeap Card is a prepaid card that must be funded by customer deposits. Users load funds onto the Card, and the Card draws only from the deposited Card balance.
  • (b) The Card balance is separate and independent from any VaultLeap Account balance or virtual account funds.
  • (c) Users are responsible for ensuring adequate Card balance is loaded before making purchases.
  • (d) The Card cannot be used for overdrafts, cash advances, or credit.
  • (e) VaultLeap does not extend credit or lend funds in connection with the Card.
  • (f) The Card does not establish a deposit relationship with VaultLeap, Bridge, or Lead Bank.

8.5. Fees.

VaultLeap and its partners maintain transparent, zero-fee pricing for the VaultLeap Card:

Fee TypeAmount
Monthly Fee$0
Per-purchase Fee$0
Reload Fee$0
International Transaction Fee0%

VaultLeap does not mark up foreign exchange rates. Any currency conversion for non-USD purchases is handled by Visa's network at the prevailing rate at the time of settlement.

The current Card fee schedule is posted at vaultleap.com/pricing and forms part of these Terms by reference.

8.6. Usage Limitations.

  • (a) The VaultLeap Card cannot be used for ATM withdrawals or cash advances.
  • (b) VaultLeap and its partners may apply reasonable spending limits for fraud prevention or regulatory compliance.
  • (c) Transactions that violate these Terms, network rules, or law may be declined or reversed.

8.7. International Transactions.

Purchases in currencies other than U.S. dollars are converted by Visa's network at its prevailing exchange rate without any additional fee from VaultLeap.

VaultLeap does not add FX markups or spreads on Card transactions. Users may experience minor differences between displayed and posted amounts due to Visa's own conversion rates or timing.

8.8. Card Issuance, Replacement, and Termination.

  • (a) The VaultLeap Card remains the property of Lead Bank and must be returned or destroyed upon request.
  • (b) VaultLeap or Lead Bank may cancel or replace a Card at any time for fraud, noncompliance, or inactivity.
  • (c) Users may cancel their Card through the VaultLeap Account interface at any time. Upon cancellation, any remaining Card balance may be transferred back to the user's VaultLeap Account or withdrawn through other available methods, subject to Lead Bank and Bridge policies and applicable regulations.
  • (d) Cancellation of the Card does not affect the user's VaultLeap Account or any balances held in VaultLeap virtual accounts.

8.9. Customer Support.

For Card assistance, contact VaultLeap Support at support@vaultleap.com. Certain issues may be escalated to Bridge or Lead Bank for resolution under applicable card-network and regulatory procedures.

8.10. Error Resolution and Unauthorized Transactions.

If you believe an error has occurred or an unauthorized transaction has been made using your VaultLeap Card, you must notify VaultLeap Support at support@vaultleap.com within 60 days of the date the transaction appears on your statement to preserve your rights under federal law.

You may also contact Bridge Ventures LLC's dispute department directly by phone at 1-833-237-8104 to report unauthorized or incorrect transactions.

Upon receipt of your notice, VaultLeap will acknowledge your claim within three (3) business days and forward it to Bridge and Lead Bank for investigation in accordance with Regulation E (12 C.F.R. Part 1005).

Most disputes are resolved within ten (10) business days after your claim is received; however, Bridge and Lead Bank may take up to forty-five (45) days to complete a detailed investigation if additional information is required.

During an extended investigation period, you may receive a provisional credit equal to the disputed amount. VaultLeap cannot reverse or refund transactions directly. All investigations and chargebacks are managed exclusively by Bridge and Lead Bank under their regulatory obligations.

For additional information about prepaid accounts and consumer rights, visit cfpb.gov/prepaid.

8.11. No FDIC Insurance; No Custody.

Funds loaded onto the VaultLeap Card are held and settled by Lead Bank. The Card balance is separate from any VaultLeap Account balance or virtual account balance. VaultLeap does not hold customer funds and is not a bank.

Card balances held by Lead Bank, Member FDIC, may be eligible for FDIC insurance subject to Lead Bank's terms and applicable FDIC regulations. Balances in VaultLeap virtual accounts reflect balances maintained by regulated partners and may not be FDIC insured. Users should review the specific terms provided by Lead Bank and VaultLeap's banking partners for information about deposit insurance coverage.

8.12. Program Changes.

VaultLeap, Bridge, and Lead Bank may modify or terminate the VaultLeap Card program at any time. Changes will be communicated through email or in-app notice. Continued use after changes take effect constitutes acceptance.

9. REFERRAL PROGRAM

9.1. Overview.

VaultLeap may operate a promotional referral program (the "Referral Program") allowing eligible users ("Referrers") to invite new users ("Referees") to the VaultLeap Platform and earn Tier Points based on a Referee's Eligible Volume, as determined by VaultLeap.

9.2. Eligibility.

To earn referral points, the Referrer must:

  • Maintain a verified VaultLeap Account in good standing
  • Hold an active Pro or Zero tier status (whether obtained through points qualification or subscription, if applicable)
  • Continue to satisfy all applicable identity, compliance, and usage requirements

Referees must complete identity verification and activate their VaultLeap account to be considered an active referral.

VaultLeap may require a Referee to meet additional activation criteria (including, where applicable, enabling certain features) to qualify as active, and such criteria may vary by geography, product availability, partner constraints, or compliance requirements.

9.3. Reward Structure.

Once a Referee becomes active, the Referrer may earn Tier Points equal to ten percent (10%) of the Referee's Eligible Volume during the applicable measurement period, as determined by VaultLeap.

Eligible Volume for referral calculations excludes on-chain transfers, internal wallet transfers, and any other excluded activity described in Section 7.1.1, Section 7.3(c), or as otherwise determined by VaultLeap.

Referral-derived Tier Points:

  • Count toward tier qualification and maintenance
  • Are subject to a monthly cap of 100,000 Tier Points
  • Do not constitute cash, stored value, prepaid funds, or card balance

9.4. Limitations and Abuse Prevention.

  • (a) Self-referrals are prohibited.
  • (b) VaultLeap may review, withhold, reverse, or void referral points in cases of suspected fraud, abuse, or regulatory restriction.
  • (c) Referral points are non-transferable and may not be redeemed for money, stablecoins, or card funds.
  • (d) Referral activity is subject to ongoing monitoring and compliance requirements.

9.5. Program Changes and Transition.

VaultLeap may modify, suspend, or terminate the Referral Program at any time. Changes become effective upon publication on the VaultLeap Platform. Participation is not guaranteed and is subject to continued eligibility.

Users participating in any prior version of the Referral Program as of the effective date of these Terms will be transitioned to the current program structure. For any material changes that negatively impact existing referrers, VaultLeap will provide thirty (30) days' advance notice via email, during which existing referrers may elect to:

  • (i) continue under the new terms; or
  • (ii) opt out of the program by contacting support@vaultleap.com.

9.6. Promotional Campaigns and Seasonal Bonuses.

VaultLeap may, from time to time and at its sole discretion, offer limited-time promotional campaigns, seasonal bonuses (including but not limited to holiday campaigns), increased referral rates, bonus point multipliers, or other special incentives related to the Referral Program.

Such promotional campaigns:

  • Are entirely discretionary and may be offered, modified, or terminated at any time without advance notice
  • May have specific eligibility requirements, participation caps, time limits, geographic restrictions, or tier-based access
  • Do not create any entitlement to similar promotions in the future or any expectation of recurring seasonal campaigns
  • May vary by user segment, account status, geographic region, or compliance tier
  • Are subject to abuse prevention monitoring and may be revoked if VaultLeap determines, in its sole discretion, that participation violates these Terms or involves fraudulent, manipulative, or prohibited activity

VaultLeap reserves the right to modify, suspend, or cancel any active promotional campaign at any time, including after commencement, if required by compliance obligations, partner constraints, fraud concerns, or operational limitations.

10. INTELLECTUAL PROPERTY

10.1. Ownership.

All intellectual property rights in the VaultLeap Platform, including but not limited to software, code, interfaces, content, design, structure, and documentation, are owned by Klydo or its licensors. These Terms do not transfer any ownership rights or grant any intellectual property licenses beyond the limited rights expressly set forth herein.

10.2. Limited License.

Subject to your compliance with these Terms, Klydo grants you a limited, non-exclusive, non-transferable, revocable license to access and use the VaultLeap Platform for your personal or internal business purposes.

10.3. Restrictions.

You shall not:

  • Copy, modify, distribute, sell, or lease any part of the VaultLeap Platform
  • Reverse engineer or attempt to extract the source code of the VaultLeap Platform
  • Create derivative works based on the VaultLeap Platform
  • Remove, obscure, or alter any proprietary notices on the VaultLeap Platform
  • Use the VaultLeap Platform in any manner that could damage, disable, overburden, or impair Klydo's systems
  • Access the VaultLeap Platform through any automated means or interfaces not provided by Klydo

10.4. Feedback.

Any feedback, suggestions, or ideas you provide regarding the VaultLeap Platform may be used by Klydo without any obligation to compensate you, and you hereby grant Klydo a perpetual, irrevocable, worldwide, royalty-free license to use such feedback for any purpose without compensation to you.

11. TERM AND TERMINATION

11.1. Term.

These Terms shall remain in effect until terminated by either you or Klydo as set forth herein.

11.2. Termination by User.

You may terminate these Terms at any time by closing your account and discontinuing use of the VaultLeap Platform. Termination will not relieve you of any obligations incurred prior to termination.

11.3. Termination by Klydo.

Klydo may terminate these Terms and your access to the VaultLeap Platform at any time for any reason, including but not limited to:

  • Violation of these Terms
  • Suspected fraudulent, illegal, or unauthorized activity
  • Regulatory or legal requirements
  • Extended periods of inactivity
  • Upon reasonable notice for any other reason at Klydo's sole discretion

Klydo may also, in its sole discretion and without terminating your account, suspend, revoke, adjust, or forfeit any points, tier status, rewards, benefits, discounts, or plan access associated with your account, including where required for compliance, fraud prevention, dispute processing, or partner constraints.

11.4. Effect of Termination.

Upon termination:

  • Your right to access and use the VaultLeap Platform will immediately cease
  • Any pending transactions may be canceled or completed at Klydo's discretion
  • You remain responsible for any outstanding obligations
  • Provisions of these Terms that by their nature should survive termination shall survive

12. DISCLAIMERS AND LIMITATIONS OF LIABILITY

12.1. Banking Services Disclaimer.

THE BANKING SERVICES ACCESSIBLE THROUGH THE PLATFORM ARE PROVIDED BY REGULATED FINANCIAL INSTITUTION PARTNERS. KLYDO DOES NOT ITSELF PROVIDE BANKING SERVICES AND MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE AVAILABILITY, FUNCTIONALITY, PERFORMANCE, OR SUITABILITY OF BANKING SERVICES PROVIDED BY SUCH PARTNERS. USER ACKNOWLEDGES THAT BANKING SERVICES ARE SUBJECT TO THE TERMS, CONDITIONS, AND LIMITATIONS IMPOSED BY PARTNER FINANCIAL INSTITUTIONS.

12.2. Stablecoin Disclaimer.

KLYDO DOES NOT ISSUE STABLECOINS AND MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE VALUE, STABILITY, LIQUIDITY, CONVERTIBILITY, OR FUTURE AVAILABILITY OF ANY STABLECOIN ASSET. USER EXPRESSLY ACKNOWLEDGES THAT STABLECOIN VALUES MAY FLUCTUATE, THAT REDEMPTION MECHANISMS MAY BE SUBJECT TO LIMITATIONS, AND THAT REGULATORY DEVELOPMENTS MAY MATERIALLY IMPACT STABLECOIN OPERATIONS.

12.3. Conversion Services Disclaimer.

CURRENCY CONVERSION RATES BETWEEN FIAT AND STABLECOINS ARE DETERMINED BY MARKET CONDITIONS AT THE TIME OF CONVERSION. KLYDO DOES NOT GUARANTEE FAVORABLE RATES, EXECUTION TIMING, OR THE CONTINUED AVAILABILITY OF CONVERSION SERVICES IN ANY JURISDICTION. CONVERSION OPERATIONS MAY BE AFFECTED BY BLOCKCHAIN NETWORK CONDITIONS, LIQUIDITY CONSTRAINTS, BANKING PARTNER POLICIES, OR REGULATORY REQUIREMENTS.

12.4. General Disclaimer.

THE VAULTLEAP PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. KLYDO DOES NOT WARRANT THAT THE VAULTLEAP PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED. KLYDO DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY INFORMATION OR CONTENT ON THE VAULTLEAP PLATFORM.

12.5. Limitation of Liability.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL KLYDO BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF KLYDO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (I) FLUCTUATIONS IN STABLECOIN VALUE; (II) DELAYS IN BANKING TRANSACTIONS OR BLOCKCHAIN OPERATIONS; (III) ACTIONS OF BANKING PARTNERS OR STABLECOIN ISSUERS; (IV) REGULATORY CHANGES AFFECTING FINANCIAL SERVICES OR DIGITAL ASSETS; (V) SECURITY BREACHES OF THIRD-PARTY WALLETS OR SERVICES; OR (VI) ANY OTHER MATTER RELATING TO THE PLATFORM, ITS CONTENT, OR SERVICES.

12.6. Liability Cap.

IN NO EVENT SHALL KLYDO'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE VAULTLEAP PLATFORM EXCEED THE GREATER OF: (I) THE AMOUNT OF FEES PAID BY YOU TO KLYDO DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE DATE ON WHICH THE CLAIM AROSE; OR (II) ONE HUNDRED DOLLARS ($100).

12.7. On-Chain Transaction Irreversibility.

All transactions executed on public blockchain networks (including but not limited to transfers of USDC, EURC, or other supported digital assets) are final and irreversible once broadcast and confirmed on the network. Klydo, Inc. ("VaultLeap") does not control, reverse, or guarantee the execution or settlement of any on-chain transaction.

Users are solely responsible for verifying the accuracy of recipient wallet addresses, destination networks, and transaction amounts before submission. VaultLeap cannot recover or refund digital assets sent to incorrect, invalid, or unintended addresses, including errors caused by mistyped characters, incompatible networks, or user misconfiguration.

VaultLeap provides self-custodial wallet access; it does not hold or intermediate customer assets. Accordingly, VaultLeap bears no responsibility or liability for any losses arising from:

  • User-entered address or network errors
  • Unsupported token transfers
  • Third-party smart contract failures
  • Gas-fee fluctuations or network congestion
  • Any other blockchain-level or protocol-level issues beyond VaultLeap's control

By initiating an on-chain transfer, you acknowledge and agree that you bear full responsibility for the accuracy and success of the transaction.

13. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Klydo, its affiliates, and their respective officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your use of the VaultLeap Platform, or your violation of any rights of another user or third party.

14. DISPUTE RESOLUTION

14.1. Applicable Law.

These Terms and any dispute arising out of or related to these Terms or your use of the VaultLeap Platform shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any choice or conflict of law provisions.

14.2. Arbitration Agreement.

Except for small claims disputes in which you or Klydo seeks to bring an individual action in small claims court, or seeks injunctive or other equitable relief, any dispute, controversy or claim arising out of or relating to these Terms, the VaultLeap Platform, or any products or services provided by Klydo shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association ("AAA").

14.3. Arbitration Procedures.

The arbitration shall be conducted in San Francisco, California, by a single, neutral arbitrator selected by mutual agreement of the parties or, failing such agreement, in accordance with the AAA rules. The arbitrator's award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to grant any remedy that would be available in court.

14.4. Class Action Waiver.

YOU AND KLYDO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Further, unless both you and Klydo agree otherwise, the arbitrator may not consolidate more than one person's claims with your claims, and may not otherwise preside over any form of a representative or class proceeding.

14.5. Opt-Out.

You may opt out of this arbitration agreement by notifying Klydo in writing within 30 days of the date you first agreed to these Terms by emailing support@vaultleap.com with the subject line "Arbitration Opt-Out."

15. CHANGES TO TERMS

Klydo reserves the right, at any time and at its sole discretion, to modify these Terms. If we make changes to these Terms, we will post the updated Terms on the VaultLeap Platform and update the "Last Updated" date at the top of these Terms. Your continued use of the VaultLeap Platform after the posting of the updated Terms constitutes your acceptance of such changes.

16. MISCELLANEOUS

16.1. Entire Agreement.

These Terms, together with the Privacy Policy and any other agreements expressly incorporated by reference herein, constitute the entire and exclusive understanding and agreement between you and Klydo regarding the VaultLeap Platform, and supersede and replace all prior oral or written understandings or agreements between you and Klydo regarding the VaultLeap Platform.

16.2. Severability.

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent possible, and the remaining provisions of these Terms will continue in full force and effect.

16.3. Waiver.

The failure of Klydo to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by Klydo.

16.4. Assignment.

You may not assign or transfer these Terms, by operation of law or otherwise, without Klydo's prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. Klydo may assign or transfer these Terms, at its sole discretion, without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

16.5. Notices.

Any notices or other communications permitted or required hereunder, including those regarding modifications to these Terms, will be in writing and given by Klydo:

  • (i) via email to the email address specified in your account; or
  • (ii) by posting to the VaultLeap Platform.

For notices made by email, the date of receipt will be deemed the date on which such notice is transmitted.

16.6. Contact Information.

If you have any questions about these Terms or the VaultLeap Platform, please contact us at:

Klydo, Inc.

PMB 1066
447 Sutter St, Ste 405
San Francisco, CA 94108

Email: support@vaultleap.com

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