Cryptocurrency values can be highly volatile, posing significant trading and holding risks. Before using this service, carefully review the Cryptocurrency Risk Disclosure.
This Stripe Fiat-to-Crypto On-Ramp Terms (the "On-Ramp Terms") is a legal agreement between: Stripe Payments Company ("we," "our," or collectively with Stripe, Inc., "Stripe"); and you, as a user purchasing cryptocurrencies ("Crypto Assets") via our crypto exchange service provider ("Service Provider") using Stripe’s funds transfer service ("Transfer Service"). Stripe acts solely as your agent to transfer funds to the Service Provider and does not hold, own, or benefit from any Crypto Assets.
Account Requirements
Eligibility
- Residency: Must be a U.S. resident (excluding Hawaii).
- Age: At least 18 or the legal age of majority in your state.
- Verification: Provide full legal name, birth date, phone number, address, and valid ID (e.g., driver’s license).
Account Security
- Protect your device and credentials.
- Notify Stripe immediately of unauthorized access.
- One account per user.
Service Details
Supported Assets & Payments
- Crypto Assets: Select digital assets available via the Service Provider (subject to change).
Payment Methods:
- Linked bank accounts or debit cards.
- Credit cards (additional fees may apply).
Transaction Process
- Quote: Receive a price quote (includes Stripe’s spread fee).
- Order Submission: Confirm the transaction—no cancellations once submitted.
- Completion: Service Provider delivers Crypto Assets to your wallet.
Limits & Fees
- Transaction Limits: Subject to daily/weekly caps (adjustable by Stripe or Service Provider).
- Fees: Disclosed pre-transaction; may differ from other platforms. Bank fees (e.g., overdrafts) are your responsibility.
Compliance & Risks
Regulatory Compliance
- AML/KYC: Stripe and Service Provider monitor transactions per U.S. anti-money laundering laws.
- Taxes: You’re responsible for reporting crypto transactions.
Cryptocurrency Risks
- Volatility: Prices fluctuate rapidly; no price guarantees.
- Regulatory Uncertainty: Crypto regulations vary by jurisdiction and may impact asset value.
Termination
Stripe or the Service Provider may suspend/terminate access if:
- You violate these terms.
- Required by law (e.g., suspicious activity).
- You relocate to an unsupported state (e.g., Hawaii).
Arbitration Agreement
Key Terms
- Dispute Resolution: Claims must be resolved via binding individual arbitration (not class actions).
- Opt-Out: Notify Stripe in writing within 30 days of account creation.
- Venue: Arbitration held in your county of residence.
Waivers
- Jury Trial: Both parties waive the right to a jury trial.
- Class Actions: No collective or representative claims permitted.
Liability & Disclaimers
- No Warranty: Services provided "as-is"; no guarantees of error-free operation.
- Limitations: Stripe isn’t liable for indirect damages (e.g., profit loss).
- No Insurance: Crypto purchases aren’t FDIC-insured or government-backed.
FAQs
1. Can I cancel a crypto purchase after submission?
No. Transactions are irreversible once confirmed.
2. What if my transaction fails?
Stripe will notify you; funds may be returned or reprocessed.
3. Are there hidden fees?
All fees (including spreads) are disclosed pre-transaction.
4. How do I report unauthorized activity?
Contact Stripe support immediately and file a report with law enforcement.
5. Is my crypto wallet secure?
You’re solely responsible for wallet security and confirming wallet addresses.
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