Last Updated: November 10, 2026
Effective: October 1, 2026.
Bank Transfers became available through the Service starting on August 25, 2026 for accounts opened on or after that date, and on the upgrade date for accounts upgraded from a GrabrFi USD Account. Some transfer methods became available later. Before October 19, 2026, your use of the Service was governed by the terms you accepted at that time, including the Bridge User Terms and the GrabrFi Terms of Use.
These GrabrFi Global Account Transfer Terms ("Terms") govern your use of the Global Account and transfer functionality (the "Transfer Service" or "Service") made available through the GrabrFi platform operated by Grabr Inc. ("Grabr," "we," or "us").
These Terms supplement and are incorporated into the GrabrFi Terms of Use, available at https://help.grabrfi.com/en/content/terms (the "Terms of Use"). If there is a conflict, these Terms control only for the Transfer Service.
Stablecoins supported by GrabrFi may include USDC, USDT, USDB, OUSD, PYUSD, or other USD-backed tokens issued by third parties. USDB is a USD-pegged stablecoin issued by Bridge Building Inc (NMLS ID 2450917), a subsidiary of Stripe, Inc. Each USDB token is backed 1:1 by US dollar reserves held in high-quality, liquid assets including US Treasuries, money market funds, and cash in segregated, bankruptcy-remote accounts. USDB can be redeemed for one US dollar, subject to the Bridge Stablecoin Terms (bridge.xyz/legal). USDB does not convey any direct or indirect property interest in reserve assets. OUSD (Open USD) is a USD-denominated stablecoin launched by Open Standard and issued by Bridge Building Inc (NMLS ID 2450917). OUSD can be redeemed for one US dollar, subject to the Bridge Stablecoin Terms (bridge.xyz/legal). Your Account Currency is assigned based on your country of residence and account profile. Users in EEA countries are assigned USDC. Users in all other supported countries are assigned USDB or OUSD. The stablecoins and networks supported for incoming deposits and for outgoing transfers are listed separately at help.grabrfi.com/en/content/supported-networks and may differ. Do not send unsupported tokens to your Deposit Addresses; unsupported tokens sent to your Deposit Address may be permanently lost. GrabrFi does not itself provide money transmission and partners with Bridge to deliver this functionality.
By initiating or using the Transfer Service, you acknowledge that you have read, understood, and agree to be bound by these Terms, the Terms of Use, and the applicable Bridge entity terms based on your region, as detailed below:
United States: Bridge Building Inc., a Delaware corporation licensed as a money transmitter in certain US states (NMLS ID 2450917). State licensing information is available at https://bridge.xyz/legal/licenses/us-licenses-and-registrations.
European Economic Area (EEA): Bridge Building S.A., authorised by the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg as a crypto asset service provider and an electronic money institution, if you are a resident of the European Economic Area plus associated principalities and territories. More information available at https://bridge.xyz/legal/licenses/non-us-licenses.
Rest of the World: Bridge Building Limited, if you reside somewhere not in the EEA or the US.
The full list of Bridge entities and licenses is available at https://www.bridge.xyz/legal/overview.
Definitions
"Account Currency" means the stablecoin denomination assigned to your Account based on your country of residence and account profile: USDC for users in EEA countries, and USDB or OUSD for users in all other supported countries. Your Account Currency is assigned automatically. You cannot change it unless we make that option available in the app.
"Bank Transfer" means a transfer of US dollars to or from your Account through a bank payment network, including ACH, Domestic Wire, International Wire, FedNow, and RTP.
“Bridge” means Bridge Ventures LLC or one of its regulated affiliates, including the Bridge entity that provides services to you based on your country of residence.
"Business Day" means Monday through Friday, excluding US federal holidays.
"Global Account" or "Account" means the stablecoin balance account provided to you as part of your Global Account, custodied by Bridge Building Arx LLC or, for users in the European Economic Area, Bridge Building S.A. The Account holds Stablecoins in your Account Currency.
"Domestic Wire" means a transfer of US dollars sent through the Fedwire Funds Service to or from an account at a financial institution in the United States.
"Fee Schedule" means the GrabrFi fee schedule available at help.grabrfi.com/en/content/full-schedule-of-fees, as updated from time to time in accordance with Section 6. The Fee Schedule forms part of these Terms. The fees that apply to a transaction are those shown in the app at the time you confirm it.
"FedNow Transfer" means an instant transfer of US dollars sent through the FedNow Service operated by the Federal Reserve Banks, between participating financial institutions in the United States.
"Financial Partners" means the banks and other financial institutions that Bridge or its affiliates use to provide certain features of the Service, including holding funds and processing Bank Transfers, such as Lead Bank. Financial Partners do not include Bridge or its affiliates. The Financial Partners involved in a transaction may vary based on your country of residence and the transfer method you use.
"Incoming Stablecoin Deposit" means supported stablecoins received at a Deposit Address assigned to you. Received assets are converted to your Account Currency and credited to your Global Account balance.
"International Wire" means a transfer of US dollars to or from an account at a financial institution outside the United States, using payment instructions sent through the SWIFT network and one or more intermediary or correspondent banks.
"Liquidation Address" means a blockchain address issued by Bridge to receive Supported Assets for your Account. Deposit Addresses are controlled by Bridge or its sub-custodians, and you do not control their private keys. Assets sent to a Deposit Address may be held in omnibus accounts together with other users’ assets until they are credited to your Account.
"Outgoing Bank Transfer" means a Bank Transfer that you instruct us to send from your Account to an external bank account.
"Outgoing Stablecoin Transfer" means sending stablecoins from GrabrFi via Bridge to a supported on-chain address or partner account.
"RTP Transfer" means an instant transfer of US dollars sent through the RTP network operated by The Clearing House, between participating financial institutions in the United States.
"Same Day ACH" means ACH credits that are submitted and settled on the same Business Day, subject to NACHA windows, bank cut-off times, screening, and reviews.
"Supported Asset" means a stablecoin and network combination that we list as supported in-app or on the Supported Networks page at help.grabrfi.com/en/content/supported-networks. Separate lists apply to incoming deposits and to outgoing transfers. Support may change at any time.
1. Description of the Service
The Service enables eligible users to:
(a) Hold a Stablecoin balance. Your Global Account holds a balance in your Account Currency (USDC, USDB or OUSD). The Account is custodied by Bridge Building Arx LLC or, for users in the European Economic Area, Bridge Building S.A., which holds the private keys on your behalf. You own all right and title to the Stablecoins held in your Account.
(b) Send Stablecoins from your Account. Send supported stablecoins to external on-chain addresses. Your Account balance is automatically converted to the destination stablecoin you select. Processing depends on blockchain confirmation.
(c) Receive Stablecoins to your Account. Receive supported stablecoins at your Deposit Addresses. Incoming assets are converted to your Account Currency and credited to your Account balance.
(d) Receive ACH, Wire (domestic and international), FedNow, or RTP transfers to your Account. Receive USD via ACH, Domestic Wire, International Wire (SWIFT), FedNow, or RTP to your bank account details. Incoming USD is automatically converted to Stablecoins and credited to your Account.
(e) Send US dollars from your Account by bank transfer. Send US dollars to external bank accounts by ACH, Domestic Wire, International Wire (SWIFT), or FedNow Transfer, where available to you. The Stablecoins in your Account are automatically converted to US dollars before the transfer is sent.
We may add or remove Supported Assets, networks, and transfer methods at any time. Currently supported networks and transfer methods are shown in-app or in the help center at help.grabrfi.com. Transfers are processed by Bridge, its affiliates, and their financial institution partners ("Financial Partners"), depending on your jurisdiction and the transfer method you use. Bridge and its affiliates provide their services subject to the licensing, registration, and regulatory requirements that apply to them. You may not access or manage your Account outside of the GrabrFi interface.
2. Relationship Between Parties
Grabr provides the front-end interface and user authorization system for Stablecoin transfers and Bank Transfers.
Stablecoin custody, conversion, and blockchain transmission services are provided by Bridge and its affiliates, including Bridge Building Arx LLC or, for users in the European Economic Area, Bridge Building S.A. for wallet custody. Bank Transfers are processed by Bridge through its Financial Partners. The specific Bridge entity providing services to you depends on your country of residence, as described in the introduction to these Terms. For full details on Bridge entities and applicable terms, see bridge.xyz/legal/overview.
By initiating a Stablecoin transfer or Bank Transfer, you:
Authorize Grabr to share your transaction data and identity information with the applicable Bridge entity.
Authorize Bridge to process and execute the on-chain portion of your transaction.
Agree to Bridge's applicable terms, and acknowledge that all applicable fees for the Transfer Service are determined solely by Grabr and are detailed in the GrabrFi Fee Schedule.
Understand that nothing in these Terms creates a joint venture, partnership, or agency relationship between you and Bridge.
For Incoming Stablecoin Deposits, you authorize Bridge to receive assets sent to your Deposit Addresses and to convert received assets to your Account Currency. You authorize Grabr to receive settlement and deposit information from Bridge in order to credit your Account.
For Outgoing Bank Transfers, you authorize Bridge to convert the Stablecoins in your Account to US dollars and to instruct its Financial Partners to send the funds according to your instructions. You also authorize Grabr, Bridge, and their Financial Partners to include your name, address, account details, and other required information in the payment instruction, and to share it with intermediary and recipient financial institutions, as required by law or payment network rules.
3. Eligibility and Compliance
To access the Transfer Service, you must:
Have a verified Global Account in good standing;
Complete all required Know Your Customer (KYC) and Anti-Money Laundering (AML) verification steps;
Not be a resident of, or located in, a sanctioned or restricted jurisdiction (as defined by OFAC, the EU, or other applicable laws); and
Use the Service solely for lawful purposes.
Grabr and Bridge may require ongoing re-verification or additional documentation as regulations evolve. You may not use the Service for high-risk or prohibited activity such as gambling, money laundering, or unlicensed exchange services. We reserve the right to deny, suspend, or terminate your access to the Service if we believe your activity violates law, sanctions, or Grabr's compliance policies.
Bank Transfer availability. Each Bank Transfer method may be limited by your country of residence, your verification level, the destination country, and the recipient’s financial institution. International Wires cannot be sent to or received from sanctioned or restricted jurisdictions, or countries that we or Bridge do not support. Transfers to or from third parties may be restricted. See Section 20 for jurisdictions where the Service is not available.
4. Funding, Receipt, Conversion, and Settlement
4.1 Outgoing Stablecoin Transfers
Funding. You may fund a Stablecoin transfer using any of the following methods: (a) your Global Account balance; or (b) incoming ACH, Domestic Wire, International Wire (SWIFT), FedNow, or RTP transfer to your bank account details, which will be automatically converted to Stablecoins and credited to your Account. Each funding method has different processing times and fees as described in the Fee Schedule.
Settlement and Conversion. Processing times vary by transfer type: (a) Transfers funded from your Global Account balance are processed upon blockchain confirmation, typically within minutes. (b) Incoming stablecoin deposits to your Account are credited upon blockchain confirmation. (c) Incoming ACH or Domestic Wire transfers to your Account are credited after the funds have cleared, with automatic conversion to Stablecoins. (d) Incoming International Wires are credited after the funds have been received from the intermediary banks and have cleared, which generally takes one (1) to five (5) Business Days from the date they are sent. (e) Incoming FedNow and RTP transfers can be received at any time, including weekends and holidays, and are generally credited within minutes, subject to screening and review. Whether an instant transfer is sent through FedNow or RTP is determined by the sender's financial institution. If a funding ACH is reversed after stablecoin transmission, Grabr reserves the right to debit your Account or recover equivalent value.
Execution. Once cleared, Grabr and Bridge jointly initiate conversion and transmission of Stablecoins to the recipient's designated on-chain address or partner account.
Delayed or Failed Transfers. Grabr and Bridge may delay or reject transfers if:
ACH funding fails or is returned;
Regulatory review is pending;
Blockchain network congestion or instability occurs; or
The recipient address is invalid or unsupported.
4.2 Incoming Stablecoin Deposits
Receipt to Account. A sender may transfer Supported Assets to your Deposit Addresses. Incoming assets are automatically converted to your Account Currency and credited to your Account balance. You do not control the private keys for these addresses. Settlement timing depends on blockchain confirmations and compliance screening.
Unsupported or Incorrect Deposits. Deposits of unsupported assets or on unsupported networks may be delayed, rejected, or permanently lost. We are not liable for deposits sent with incorrect network, memo, or tag information.
Screening and Holds. We may place deposits on hold or refuse settlement if required by law, sanctions, or risk policies.
4.3 Bank Account Details
Your Global Account includes dedicated account details for receiving ACH, Domestic Wire, International Wire (SWIFT), FedNow, and RTP transfers. These details are provided through Bridge's Financial Partners (for example, Lead Bank for US dollar account details). Dollars received via your bank account details are automatically converted to your Account Currency (USDC, USDB or OUSD) and credited to your Global Account balance. International Wires (SWIFT) can be received in US dollars only, using the SWIFT details shown in the app. Intermediary and correspondent banks may deduct their own fees before the funds reach us, so the amount credited to your Account may be less than the amount sent. Transfers sent in another currency, or with incomplete or incorrect details, may be converted by a third party bank at its own rate, delayed, or returned to the sender, less any third party fees. We may ask you for information about the sender and the purpose of an incoming International Wire before the funds are credited. Incoming Bank Transfers are accepted only from senders, countries, and payment methods that we and Bridge support, which may change at any time. A transfer that does not meet these requirements may be rejected or returned to the sender, less any third party fees. If an incoming Bank Transfer is returned, recalled, or reversed after it has been credited, we may reverse the credit or debit your Account for the same amount. Grabr and Bridge are not responsible for any loss, fee, or delay resulting from a transfer that is rejected, returned, recalled, or reversed. Fees for incoming ACH, wire (domestic and international), FedNow, and RTP transfers are detailed in the Fee Schedule.
4.4 Automatic Conversions
Certain transactions involve automatic conversion between currencies or stablecoins. Incoming deposits in a supported stablecoin other than your Account Currency are automatically converted to your Account Currency (USDC, USDB or OUSD). USD received via ACH, wire (domestic or international), FedNow, or RTP to your bank account details is automatically converted to Stablecoins. When sending Stablecoins from your Account, your balance is automatically converted to the destination stablecoin selected by you. When you send an Outgoing Bank Transfer, the Stablecoins in your Account are automatically converted to US dollars. All conversions between same-peg USD stablecoins are processed at a 1:1 rate. Conversion fees may apply as described in the Fee Schedule.
4.5 Outgoing Bank Transfers (ACH, Domestic Wire, International Wire, and FedNow)
Instructions. To send an Outgoing Bank Transfer you must provide complete and accurate recipient details, which may include the recipient's full name and address, account number or IBAN, routing number or SWIFT/BIC code, and the purpose of the payment. We, Bridge, and the financial institutions that process your transfer may rely on the account number and bank identifier you provide, even if they identify a person or institution different from the one you named. An instruction submitted through the GrabrFi app using your credentials and any verification step we require is treated as authorized by you, subject to your rights under applicable law regarding unauthorized transfers.
Processing times. ACH transfers, Domestic Wires, and International Wires are processed on Business Days. Instructions received after the applicable cutoff time, or on a day that is not a Business Day, are processed on the next Business Day. Outgoing ACH transfers are sent as Same Day ACH and are generally delivered on the Business Day they are processed, although the recipient's institution may take longer to make the funds available. Domestic Wires are generally delivered on the same Business Day they are processed. International Wires generally take one (1) to five (5) Business Days, depending on the destination country and on the intermediary and recipient banks. FedNow Transfers can be sent at any time, including weekends and holidays, and are generally completed within minutes. All times are estimates and are subject to screening and review.
FedNow availability. FedNow Transfers can only be sent to accounts at financial institutions in the United States that participate in the FedNow Service. If the recipient's institution does not participate or does not accept the payment, the transfer will not be completed and the funds will be returned to your Account.
International Wires. International Wires are sent in US dollars only. Intermediary, correspondent, and recipient banks may deduct their own fees from the transfer amount, convert the funds to another currency at their own rates, request additional information, or delay or reject the transfer. As a result, the recipient may receive less than the amount you sent. Grabr and Bridge do not control these third parties. If an International Wire qualifies as a remittance transfer under US law, you will receive the disclosures, and have the cancellation and error resolution rights, required by that law. Those rights control over these Terms.
Sender information. The payment may identify Bridge or one of its Financial Partners as the sender of record, with your name included in the payment details.
Cancellation and recalls. You cannot cancel or change an Outgoing Bank Transfer once processing has started. You are responsible for reviewing the transfer details before you confirm, and the receipt after the transfer is sent. If you believe a transfer is incorrect, contact GrabrFi Support as soon as possible. We and Bridge may, but are not obligated to, cancel, reverse, or attempt to recover a transfer that we or Bridge consider erroneous. A mistake you made when entering the transfer details is not, by itself, enough for a transfer to be treated as erroneous. We cannot guarantee that funds will be returned, in full or at all. We and Bridge may also cancel or reverse a transfer when required for legal or compliance reasons.
Rejected or returned transfers. We, Bridge, or any financial institution involved may delay, reject, or return an Outgoing Bank Transfer, including because of incomplete or incorrect recipient details, transaction limits, or compliance review. If a transfer is rejected or returned, the amount we receive back, which may be less than the amount sent because of third party fees, will be converted to your Account Currency and credited to your Account. Fees charged for the transfer are not refunded, unless required by law.
5. Custody and Account Terms
Your Global Account is custodied by Bridge Building Arx LLC or, for users in the European Economic Area, Bridge Building S.A., which holds the private keys on your behalf. You own all right and title to the Stablecoins held in your Account. You may not access private keys or manage your Account outside of the GrabrFi interface. Custody of digital assets is provided in accordance with applicable laws and may be held in omnibus accounts together with other users' funds.
No Insurance. Stablecoins held in your Account or received at a Deposit Address are not insured by the FDIC or SIPC, are not bank deposits, are not guaranteed by any bank, and do not accrue interest or yield to you. Reserve assets backing Stablecoins may generate returns; any such returns belong to Bridge and/or Grabr, and you have no entitlement to interest, yield, or any portion of reserve returns unless separately agreed in writing under a distinct product offering. For users eligible for the GrabrFi Boost Rewards program, promotional rewards (if any) are governed solely by the Boost Wallet Rewards Terms and do not constitute interest or yield on Stablecoin balances.
6. Fees and Exchange Rates
General. You agree to pay all fees and spreads shown in-app before a transaction. Fees may vary by asset, network, or amount and can change at any time. We may change our fees. If we increase a fee, or introduce a new fee for an existing feature, we will notify you by email or in the app at least thirty (30) days before the change takes effect where required by law. This notice does not apply to fee reductions, to fees for new features (which apply from launch), to exchange rates and spreads shown before you confirm a transaction, or to costs set by third parties that we do not control, such as network fees and fees charged by intermediary or recipient banks.
Outgoing Stablecoin Transfers. When you send Stablecoins from your Account, your Account Currency balance is converted to the destination stablecoin you select at a 1:1 rate, as described in Section 4.4. The service fee shown in-app before you confirm the transfer applies and varies by destination stablecoin. Our service fee covers Bridge network execution, gas costs, and processing. Third-party wallets or exchanges may apply additional fees outside our control.
Incoming Stablecoin Deposits to your Account. Stablecoins sent to your Deposit Addresses are converted to your Account Currency. Fees for incoming deposits, including any conversion fee, are set out in the Fee Schedule and displayed in-app.
ACH, Wire, FedNow, and RTP to Account. [Editor's note: add an RTP row to the Fee Schedule, priced as FedNow, before November 16.] Incoming ACH, wire (domestic and international), FedNow, and RTP transfers to your bank account details are subject to processing fees. Wire transfers include an additional flat fee. Fees are detailed in the Fee Schedule. For incoming International Wires, intermediary and correspondent banks may also deduct their own fees before the funds reach your Account.
Outgoing Bank Transfers. ACH transfers, Domestic Wires, International Wires, and FedNow Transfers sent from your Account are subject to a service fee, which is shown in the app before you confirm the transfer and is detailed in the Fee Schedule. For International Wires, intermediary and recipient banks may charge additional fees that are deducted from the transfer amount and are outside our control.
Updates. Current fees and rate details are shown in-app. Continued use of the Service after a fee change takes effect means you accept any new terms.
7. Transaction Limits
We may impose limits on outgoing transfers and incoming deposits, including per-transaction, daily, monthly, and rolling limits. Limits vary by user profile, region, and verification level, and may change without prior notice for security or compliance reasons.
8. Irreversibility and User Responsibility
Outgoing transfers. Once a Stablecoin transfer has been broadcast to a blockchain network, it is final and irreversible.
You are solely responsible for:
Verifying the recipient address or account prior to initiating the transfer;
Ensuring the recipient platform or wallet supports the chosen Stablecoin and network;
Bearing any loss arising from incorrect information or unsupported destinations.
If you believe a transaction was unauthorized or incorrect, you must contact GrabrFi Support within ten (10) Business Days of the transaction. Grabr will make commercially reasonable efforts to assist, but cannot guarantee recovery of funds once submitted to the blockchain. If applicable law gives you more time to report a problem with a transaction, that longer period applies.
Grabr and Bridge do not guarantee retrieval or reversal of funds for transactions sent to incorrect or incompatible addresses.
Outgoing Bank Transfers. Outgoing Bank Transfers cannot be cancelled once processing has started, and Domestic Wires, International Wires, and FedNow Transfers cannot be reversed once sent. You are solely responsible for verifying the recipient's name, account number, and bank details before you confirm a transfer. Funds sent to the wrong account because of incorrect details may not be recoverable. Cancellation, recalls, and returned transfers are described in Section 4.5.
Incoming Deposits. Incoming deposits are credited only after blockchain confirmations and screening. Credits can be delayed or reversed if we later determine that the deposit violated law or policy. You are responsible for sharing only your assigned Deposit Addresses and for confirming that the sender uses a Supported Asset and network. We cannot guarantee recovery of assets sent to an incorrect, expired, or unsupported address.
Transfer Risks. Only supported Stablecoins on supported blockchain networks may be sent to your Deposit Addresses. If you send unsupported tokens, tokens on unsupported networks, or tokens to an incorrect address, such funds may be permanently lost. Neither Grabr nor Bridge has any obligation or ability to recover unsupported or misdirected funds. You are responsible for verifying the correct coin, network, and address before initiating any transfer.
Risk Disclosures. Stablecoins and blockchain transactions carry inherent risks, including: cybersecurity risks, including hacking vulnerabilities that could result in substantial, immediate, and irreversible loss of your Stablecoins; blockchain networks may not be immutable and may experience outages, forks, or protocol changes; the regulatory status of Stablecoins may change, potentially affecting their value, availability, or legality; Stablecoin issuers may experience financial difficulties, operational failures, or inability to maintain reserves. Bridge or Grabr may freeze, suspend, or restrict access to your Account or Stablecoins if required by law, court order, or compliance policies. Bridge may freeze Stablecoins by blacklisting a particular wallet address at its sole discretion. By using the Service, you acknowledge that you have read and understand these risks.
9. Compliance, Monitoring, and Suspension
We and Bridge continuously monitor transactions for suspicious, prohibited, or unusual activity.
We may, without prior notice:
Delay, freeze, or cancel a transfer;
Request additional verification or documentation; or
Report activity to competent authorities.
We may share information about suspicious activity with law enforcement, regulators, or partner financial institutions. You acknowledge that compliance checks may introduce processing delays or cancellations.
We may delay or block settlement of incoming deposits pending sanctions, AML, fraud, or other reviews. Where required, we may return or refuse ACH credits, wires, FedNow transfers, RTP transfers, or blockchain receipts.
Bank Transfers are also screened by Bridge's Financial Partners and by intermediary and recipient banks, any of which may delay, block, or reject a transfer. If a transfer is blocked under sanctions laws, the funds may be frozen and cannot be released or returned without authorization from the relevant authority.
10. Risks and Disclaimers
By using the Service, you acknowledge and accept the following risks:
Blockchain Risks: Network congestion, smart contract failures, and forks may delay or prevent settlement.
Regulatory Risks: Stablecoin use and regulation may change, impacting availability or legality.
Market Risks: Value of stablecoins may deviate temporarily from 1 USD.
Technology Risks: Unauthorized access, system outages, or cyberattacks may impact execution.
Issuer and Network Risks: Grabr and Bridge are not responsible for losses arising from stablecoin issuers, network validators, or blockchain protocol failures.
You should not use the Service unless you understand and accept these risks. Grabr provides the Service "as is" and "as available" without warranties of any kind.
11. Limitation of Liability
To the fullest extent permitted by law:
Grabr's total liability for any claim arising out of a Stablecoin or Bank Transfer shall not exceed the total transaction amount (excluding fees);
Grabr shall not be liable for indirect, incidental, consequential, or punitive damages, including loss of profits, data, or access;
Grabr and Bridge are not liable for losses arising from issuer insolvency, de-pegging events, or external network failures;
Grabr and Bridge are not liable for the acts, omissions, fees, or delays of intermediary, correspondent, or recipient banks, or of payment networks;
You assume all risk associated with your use of blockchain networks.
Nothing in this section limits any liability that cannot be excluded under applicable law.
12. Service Suspension or Termination
We may suspend or discontinue the Transfer Service:
At any time and for any reason;
If required by law or regulatory authority;
For maintenance, fraud investigation, or security review.
If the Service is discontinued, Grabr will use reasonable efforts to settle pending transfers or refund undelivered funds. Certain transactions may remain pending until blockchain confirmation is achieved.
13. Tax Responsibility
You are solely responsible for determining and fulfilling any tax obligations arising from your use of the Transfer Service, including reporting income, gains, or losses to applicable authorities.
You acknowledge that stablecoin transactions may have tax implications in your country of residence. Grabr may provide transaction records to assist with reporting but is not obligated to do so.
14. Modifications
Grabr may update these Terms from time to time. Updated versions will be posted at help.grabrfi.com, and the "Last Updated" date will be revised accordingly.
Material changes will be communicated via email or in-app notification at least thirty (30) days before taking effect, where required by law.
Your continued use of the Service after any update constitutes acceptance of the modified terms.
15. Governing Law and Dispute Resolution
These Terms are governed by the same governing law, venue, and dispute resolution procedures set forth in the GrabrFi Terms of Use.
16. Contact Information
For questions about these Terms or the Transfer Service, contact us at: support@grabrfi.com or via the in-app support chat.
17. Prohibited Uses
You agree not to use the Service for any activity that is illegal, violates sanctions, or is otherwise prohibited by Grabr or Bridge policies, including but not limited to: mixing/tumbling services; unlicensed money services or exchanges; terrorist financing; fraud; market manipulation; gambling where prohibited; ransomware; and transactions with addresses identified as high-risk or sanctioned.
18. User Representations and Warranties
You represent and warrant that: (a) all information you provide is accurate and complete; (b) you are the lawful owner of the funds used to initiate transfers; (c) you are not subject to sanctions or located in a restricted jurisdiction; (d) you will use the Service only for lawful purposes and in compliance with these Terms; and (e) you understand the irreversible nature of blockchain transactions and of wire and FedNow transfers.
19. Third-Party Terms (Issuers and Recipients)
Stablecoins are issued by third parties under their own terms and disclosures. Your use of any stablecoin is subject to the applicable issuer's terms (e.g., Circle for USDC, Tether for USDT, Bridge Building Inc for USDB and OUSD). Recipient platforms, wallets, and banks are third parties and may have their own terms and fees. Grabr is not responsible for third-party terms or performance.
20. Availability; Geographic Restrictions
The Service is not available to individuals whose principal residence is in New York or Texas. The Service is also not available to residents of Algeria, Australia, Burundi, China, Indonesia, Japan, Kenya, Malaysia, Singapore, Tunisia, or Vietnam, or of any sanctioned or restricted jurisdiction. If you move your principal residence to a jurisdiction where the Service is not available, you must notify us, and we may restrict or close your Account.
Grabr may restrict or disable the Service for specific jurisdictions, users, assets, or networks without prior notice where required by law or policy.
21. Miscellaneous
Assignment. You may not assign or transfer these Terms without Grabr's prior written consent. Grabr may assign these Terms in connection with a merger, acquisition, or corporate reorganization.
Severability. If any provision is found unenforceable, the remaining provisions remain in full force.
No Waiver. A failure to enforce any right is not a waiver of future enforcement.
Force Majeure. Grabr is not liable for delays or failures caused by events beyond its reasonable control, including acts of God, labor disputes, cyber incidents, network failures, or governmental actions.
Survival. Sections 5-13 and 17-21 survive termination of the Service.
Acknowledgment
By using the Global Account or initiating a Stablecoin transfer or Bank Transfer, you acknowledge that you have read, understood, and agree to:
These GrabrFi Global Account Transfer Terms;
The GrabrFi Terms of Use; and
The applicable Bridge entity terms and policies.