Last Updated: February 18th, 2026
These GrabrFi Stablecoin Wallet and Transfer Terms ("Terms") govern your use of the stablecoin wallet and transfer functionality (the "Stablecoin 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 Stablecoin Transfer Service.
Stablecoins supported by GrabrFi may include USDC, USDT, USDB, PYUSD, or other USD-backed tokens issued by third parties. USDB is a USD-pegged stablecoin issued by Bridge Building Inc (NMLS #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. Your Wallet currency (USDB or USDC) is determined by your country of residence and cannot be changed. Users in EEA countries are assigned USDC. Users in all other supported countries are assigned USDB. PYUSD (PayPal USD) is supported for outgoing transfers only, on the Solana network. Incoming PYUSD transfers are not supported. Do not send PYUSD to your Wallet or checking account deposit addresses; unsupported tokens sent to your deposit address may be permanently lost. GrabrFi does not itself provide money transmission and partners with licensed entities, including Bridge, to deliver this functionality.
By initiating or using the Stablecoin 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 and licensed money transmitter (NMLS ID 2450917);
European Economic Area (EEA): Bridge Building Sp. Z.o.o., if you are a resident of the European Economic Area plus associated principalities and territories;
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 athttps://www.bridge.xyz/legal/overview.
Definitions
"Outgoing Stablecoin Transfer" means sending stablecoins from GrabrFi via Bridge to a supported on-chain address or partner account.
"Incoming Stablecoin Deposit" means supported stablecoins received at a deposit address assigned to you. Incoming deposits may be routed to either: (a) your Stablecoin Wallet, where received assets are converted to your Wallet Currency and credited to your Wallet balance; or (b) a Bridge-issued liquidation address linked to your checking account, where Bridge liquidates received assets and settles USD to your GrabrFi checking account via ACH.
"Liquidation Address" means a blockchain deposit address issued by Bridge for your use that is controlled by Bridge or its sub-custodians. You do not control the private keys.
"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.
"Stablecoin Wallet" or "Wallet" means the stablecoin balance account provided to you as part of your GrabrFi Account, custodied by Bridge Building Arx LLC. The Wallet holds Stablecoins in your Wallet Currency and is separate from your GrabrFi USD checking account.
"Wallet Currency" means the stablecoin denomination assigned to your Wallet based on your country of residence: USDC for users in EEA countries, USDB for users in all other supported countries. Your Wallet Currency is assigned automatically and cannot be changed.
"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. Support may change at any time.
1. Description of the Service
The Service enables eligible users to:
(a) Hold a Stablecoin balance. Your Stablecoin Wallet holds a balance in your Wallet Currency (USDB or USDC). The Wallet is custodied by Bridge Building Arx LLC ("Bridge Arx"), which holds the private keys on your behalf. You own all right and title to the Stablecoins held in your Wallet.
(b) Send Stablecoins from your Wallet. Send supported stablecoins to external on-chain addresses. Your Wallet balance is automatically converted to the destination stablecoin you select. No ACH step is required; processing depends on blockchain confirmation.
(c) Send Stablecoins from your checking account. Funds are transferred via ACH from your GrabrFi USD checking account, converted to the selected stablecoin, and transmitted on-chain by Bridge.
(d) Receive Stablecoins to your Wallet. Receive supported stablecoins at your permanent Wallet deposit addresses. Incoming assets are converted to your Wallet Currency and credited to your Wallet balance.
(e) Receive Stablecoins to your checking account. Receive supported stablecoins at your Bridge-issued liquidation address. Bridge liquidates received assets and routes USD to your GrabrFi checking account via Same Day ACH when available.
(f) Convert between checking account and Wallet. Move funds between your USD checking account and your Stablecoin Wallet, with conversion between USD and Stablecoins processed via the ACH network.
(g) Receive ACH or Wire transfers to your Wallet. Receive USD via ACH or domestic wire to your Wallet bank account details. Incoming USD is automatically converted to Stablecoins and credited to your Wallet.
We may add or remove Supported Assets and networks at any time. Currently supported networks are listed on the Supported Networks page at help.grabrfi.com. All transfers are processed through Bridge or one of its affiliated legal entities, depending on your jurisdiction, which operate as licensed money transmitters or virtual asset service providers. You may not access or manage your Wallet outside of the GrabrFi interface.
2. Relationship Between Parties
Grabr provides the front-end interface and user authorization system for Stablecoin transfers.
Stablecoin custody, conversion, and blockchain transmission services are provided by Bridge and its affiliates, including Bridge Building Inc (NMLS #2450917) for money transmission and stablecoin issuance, and Bridge Building Arx LLC for wallet custody. The specific Bridge entity providing services to you may vary based on your country of residence. For full details on Bridge entities and applicable terms, see bridge.xyz/legal/overview.
By initiating a Stablecoin 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 Stablecoin 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, including your Wallet deposit addresses and your liquidation address. For deposits to your checking account, you authorize Bridge to liquidate received assets and settle USD via ACH. For deposits to your Wallet, you authorize Bridge to convert received assets to your Wallet Currency. You authorize Grabr to receive settlement and deposit information from Bridge in order to credit your account.
3. Eligibility and Compliance
To access the Stablecoin Transfer Service, you must:
Have a verified GrabrFi 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.
GrabrFi 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.
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 GrabrFi USD checking account balance, via ACH transfer; (b) your Stablecoin Wallet balance; or (c) incoming ACH or domestic wire transfer to your Wallet bank account details, which will be automatically converted to Stablecoins and credited to your Wallet. 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 checking account are processed after the underlying ACH transfer has cleared, typically within the same business day. (b) Transfers funded from your Stablecoin Wallet balance are processed upon blockchain confirmation, typically within minutes. (c) Incoming stablecoin deposits to your Wallet are credited upon blockchain confirmation. (d) Incoming ACH or wire transfers to your Wallet are credited after the funds have cleared, with automatic conversion to Stablecoins. (e) Conversions between your checking account and Stablecoin Wallet are processed via the ACH network, typically within the same business day on business days. 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 Wallet. A sender may transfer Supported Assets to your permanent Wallet deposit addresses. Incoming assets are automatically converted to your Wallet Currency and credited to your Wallet balance. You do not control the private keys for these addresses. Settlement timing depends on blockchain confirmations and compliance screening.
Receipt to Checking Account. A sender may transfer Supported Assets to your Bridge-issued liquidation address. Bridge liquidates received assets and settles USD to your GrabrFi checking account via Same Day ACH when available. You do not control this address or its private keys. Settlement timing depends on blockchain confirmations, compliance screening, ACH windows, and bank cut-off times.
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.
ACH Returns. If an ACH settlement to your checking account is returned or reversed, we may place a hold on credited funds or reverse the credit.
4.3 Wallet Bank Account Details
Your Stablecoin Wallet includes dedicated bank account details for receiving ACH and domestic wire transfers. These bank account details are provided through Lead Bank, a banking partner of Bridge, and are separate from your checking account bank details (provided through Regent Bank). USD received via your Wallet bank account details is automatically converted to Stablecoins and credited to your Wallet balance. International wire transfers (SWIFT) are not supported for Wallet deposits. Fees for incoming ACH and wire transfers to your Wallet are detailed in the Fee Schedule.
4.4 Account Conversions
You may convert funds between your USD checking account and your Stablecoin Wallet. Converting from your checking account to your Wallet initiates an ACH transfer of USD, which is then converted to Stablecoins (USDB or USDC) and credited to your Wallet. Converting from your Wallet to your checking account converts your Stablecoins to USD, which is then transferred to your checking account via ACH. Conversions are processed via the ACH network and are typically completed within the same business day on business days. Conversions initiated on weekends or US bank holidays are processed on the next business day. Applicable fees are detailed in the Fee Schedule.
4.5 Automatic Conversions
Certain transactions involve automatic conversion between currencies or stablecoins. Incoming USDT deposits to your Wallet are automatically converted to your Wallet currency (USDB or USDC). USD received via ACH or wire to your Wallet bank account details is automatically converted to Stablecoins. When sending Stablecoins from your Wallet, your balance is automatically converted to the destination stablecoin selected by you. Conversions between your checking account and Wallet involve conversion between USD and Stablecoins. All conversions between same-peg USD stablecoins are processed at a 1:1 rate. Conversion fees may apply as described in the Fee Schedule.
5. Custody and Wallet Terms
Your Stablecoin Wallet is custodied by Bridge Building Arx LLC ("Bridge Arx"), which holds the private keys on your behalf. You own all right and title to the Stablecoins held in your Wallet. You may not access private keys or manage your Wallet 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.
Liquidation Addresses. Your Bridge-issued liquidation addresses (used for checking account deposits) are omnibus addresses controlled by Bridge or its sub-custodians. You do not control the private keys for liquidation addresses. Assets sent to a liquidation address may be co-mingled for operational efficiency until liquidation and settlement complete.
No Insurance. Stablecoins held in your Wallet or processed through liquidation addresses 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.
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.
Outgoing Stablecoin Transfers. USD from your GrabrFi account is converted to the selected stablecoin at the Currency Conversion Rate displayed in-app at confirmation. The rate includes any spread and is valid only during the rate-lock period.
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 Checking Account. Stablecoins sent to your liquidation address are liquidated to USD by Bridge at the market rate at the time of conversion. A Currency Conversion Rate is not shown in advance.
We may deduct a processing fee before crediting your GrabrFi account. Network fees for sending to the liquidation address are paid by the sender.
Incoming Stablecoin Deposits to Wallet. Stablecoins sent to your Wallet deposit addresses are converted to your Wallet Currency. USDC deposits are free. USDT deposits are subject to a conversion fee. Fees are displayed in-app.
Wallet Sends. Stablecoin transfers sent from your Wallet balance are subject to a service fee that varies by destination stablecoin. Fees are displayed in-app before confirmation.
Account Conversions. Conversions between your checking account and Wallet are subject to fees that differ by direction. Fees are displayed in-app before confirmation.
ACH and Wire to Wallet. Incoming ACH and wire transfers to your Wallet bank account details are subject to processing fees. Wire transfers include an additional flat fee. Fees are detailed in the Fee Schedule.
Updates. Current fees and rate details are shown in-app. Continued use of the Service after updates 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 that vary by profile, region, and verification level.
Limits may differ 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. GrabrFi will make commercially reasonable efforts to assist, but cannot guarantee recovery of funds once submitted to the blockchain.
Grabr and Bridge do not guarantee retrieval or reversal of funds for transactions sent to incorrect or incompatible addresses.
Incoming Deposits. Incoming deposits are credited only after blockchain confirmations and screening. Credits can be delayed or reversed if the ACH leg is returned or if we later determine that the deposit violated law or policy. You are responsible for sharing only your assigned deposit addresses (Wallet deposit addresses or Bridge-issued liquidation 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 GrabrFi 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 GrabrFi may freeze, suspend, or restrict access to your Wallet 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 Stablecoin Wallet, 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 or blockchain receipts.
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 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;
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 Stablecoin 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 Stablecoin 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 Stablecoin Transfer Service, contact us at:
[email protected] 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 GrabrFi 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.
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). Recipient platforms and wallets 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 may be unavailable in certain countries, regions, or to certain users based on legal, regulatory, or risk considerations. 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 Stablecoin Wallet or initiating a Stablecoin transfer, you acknowledge that you have read, understood, and agree to:
These GrabrFi Stablecoin Wallet and Transfer Terms;
The GrabrFi Terms of Use; and
The applicable Bridge entity terms and policies.