Terms of service
Last updated 13 September 2026
Written to be read, not to be survived. Where a sentence could be short or precise, we made it both. Where the law makes us say something awkward, we say it plainly rather than burying it.
Who you are dealing with
Your account is with Sarus Payment Labs FZCO, registered at IFZA, Dubai. We operate this app. We are not a bank. Your cards are issued, and your money is held, by our licensed issuing partner. When we say your balance, we mean money they hold for you.
Adding money
Money arrives as USDC or USDT and is converted to US dollars 1:1, less our card issuer’s conversion fee. We charge nothing to add money. Fees apply when you spend, and we show them before you pay.
Taking money out
Money leaves your account when you spend it on your card, when you withdraw it to your own wallet, or when you close your account and we send your balance to a wallet you choose. Withdrawals use our card issuer’s conversion rate and fees, shown before you confirm.
Your card agreement
Your cards are covered by our issuing partner's consumer cardholder agreement, which you accept when you open your account.
Read the cardholder agreement