Card T&Cs
Ryvo Cards Spend Card Terms (“Card Terms”)
Effective as of: October 16, 2025
These Ryvo Cards Spend Card Terms (“Card Terms”) are a binding agreement between you (“you” or “your”), Ryvo Cards, and the Issuer (“Issuer,” “we,” “us,” or “our”). These Card Terms govern your use of the Ryvo Cards Spend Card, including obtaining, managing, and using your Card.
By applying for a Card Account, activating a Card, or using the Ryvo Cards program, you acknowledge that you have read, understand, and agree to these Card Terms, including the applicable Jurisdiction Addendum (U.S. or International).
These terms apply to both U.S. and international businesses, with jurisdiction-specific provisions detailed in the addendums at the end of this document.
Important Disclosures
Interest Rates
- APR for Purchases: 0%
- Ryvo Cards and Issuer may introduce interest on new purchases in the future with advance notice where required.
Transaction Fees
- Foreign Exchange (non-USD): up to 3%
- Cross-Border Fee: up to 3%
Penalty Fees
- Late Payment: up to $40
- Returned Payment: up to $29
- Liquidation Penalty: up to $35
1. Background
The Ryvo Cards Spend Card is issued to you in connection with your relationship with RyvoCards under your User Agreement. The Issuer is not responsible for services provided by RyvoCards under the User Agreement.
Ryvo Cards allows you to access a Ryvo Cards Account to make transactions using your Card, subject to spending or credit limits determined by Ryvo Cards. Your use of the Card is permitted only as authorized under these Card Terms and your User Terms.
Ryvo Cards processes your personal information as described in the Privacy Policy: Privacy Policy
By opening or using a Card, you consent to the Issuer receiving and sharing information as necessary to operate the Card.
2. Issuer
The Ryvo Cards Card program is issued by Third National, a principal member of Visa, under license. Fee and rate information is accurate as of October 16, 2025 and may change.
Support: support@ryvopay.com.
Ryvo Cards and Issuer may update these Card Terms at any time, subject to law. Continued use of your Card constitutes acceptance.
3. Key Definitions
- Card Networks: Visa or Mastercard
- Charge: A transaction made using your Ryvo Cards Card
- Chargeback: A dispute initiated against a merchant
- Fee: Any charge associated with using your Card
- Issuer: Third National
- Periodic Statement: Summary of charges, fees, and credits
- Supported Blockchains: Ethereum, Polygon, Optimism, Arbitrum, and others approved by RyvoCards
4. Acceptance & Eligibility
These Card Terms become binding when you activate or create your Ryvo Cards Card.
You represent that:
- You are not sanctioned by OFAC or comparable foreign authorities
- You will use the Card only for permitted purposes
- All information you provide is accurate
- You will comply with applicable laws
Additional eligibility rules appear in the U.S. or International Addendum, depending on your region.
5. Issuer Terms
Issuer funds your transactions based on information provided by Ryvo Cards. Use of the Card requires acceptance of any additional Issuer-provided terms.
6. Collateral
Your Linked Wallet or approved wallets may provide Digital Asset Collateral for securing charges.
A Liquidation Event occurs if:
- You fail to meet payment obligations within 1 calendar day, or
- Collateral value falls below outstanding charges and you do not add more collateral
If liquidation is required, Ryvo Cards or Issuer may sell the necessary amount of collateral. Remaining collateral remains accessible to you.
7. Spending Limits
Your spending limit is determined by Ryvo Cards based on collateral, risk scoring, and program settings. Limits may change at any time.
8. Purchases and Restrictions
Your Card may be used at merchants accepting Visa or Mastercard.
Restricted transactions may include:
- Cash-like transactions
- Foreign currency purchases
- Gambling or betting
- Unsupported person-to-person transfers
- Crypto purchases
- Transactions involving sanctioned parties
You must comply with the Ryvo Cards Prohibited Activities Policy:
Report loss, theft, or compromise immediately: support@ryvocards.com
9. Payments
9.1 Promise to Pay
You agree to repay Ryvo Cards for all charges and fees.
9.2 Statements
You must review each statement and report discrepancies promptly.
9.3 Repayments
Payments must be made via supported methods. Late repayment is a default.
9.4 Prepayment
Allowed at any time without penalty.
10. Fees
Fees may be changed with 30 days’ notice where required by law.
11. Card Management
You must secure your Card and login credentials. Replacement cards may require updating merchant payment details.
12. Chargebacks
Dispute unauthorized or incorrect charges within 60 days of posting.
We may request supporting documentation.
13. Termination
Ryvo Cards or Issuer may suspend or terminate access at any time. You must repay all outstanding amounts upon termination.
14. Change of Terms
We may update these Card Terms at any time in compliance with applicable law.
15. Remedies
Upon default, we may:
- Declare your full balance due
- Liquidate collateral
- Pursue collection or legal action
16. Communications
You authorize Ryvo Cards and Issuer to contact you via email, SMS, or automated systems.
Opt-out: support@ryvocards.com (subject: END COMMUNICATIONS) or reply STOP to SMS.
17. Governing Law (General)
The governing law and dispute resolution rules applicable to you depend on your region of issuance, as described in the Jurisdiction Addendums below.
18. Arbitration
Unless prohibited by local law, disputes must be resolved via binding arbitration under AAA Commercial Arbitration Rules.
- Venue: New York, NY (or remote, at your option)
- Language: English
- No class actions
- Confidential
- Survives termination of these Card Terms
19. Indemnification
You will indemnify Ryvo Cards and Issuer from losses arising from:
- Breach of these Card Terms
- Misuse of the Card
- Violation of law
U.s. Program Addendum (Applies Only To U.s. Users)
This addendum applies if you receive a U.S.-issued RyvoCards Spend Card.
Eligibility
You represent that:
- You are a U.S. resident or legally operating U.S. entity
- You are not prohibited by U.S. financial regulations
- You were not previously issued an international product version
Regulatory Obligations
U.S. users are subject to:
- Bank Secrecy Act (BSA) / Anti-Money Laundering (AML) rules
- U.S. sanctions compliance (OFAC)
- Applicable state financial regulations
- IRS identity and tax reporting rules, where required
Governing Law
For U.S. users, these Card Terms are governed by the laws of Puerto Rico.
Dispute Resolution
Non-arbitrable disputes must be brought exclusively in Puerto Rico, unless mutually agreed otherwise.
International Program Addendum (Applies Only To Non-u.s. Users)
This addendum applies if you receive a non-U.S./international RyvoCards Spend Card.
Eligibility
You represent that:
- You are not a U.S. citizen
- You were not solicited for this product inside the United States
- You are applying for an internationally issued card product
- You comply with local laws in your country of residence
Regulatory Obligations
International users must comply with:
- Local AML and KYC rules
- Local sanctions lists
- Cross-border transaction regulations
- Local consumer protection laws where applicable
Governing Law
International users agree that:
- These Card Terms are governed by the laws of the jurisdiction where the Issuer is regulated (Puerto Rico), except where local law requires otherwise
- For local compliance, any mandatory consumer rights applicable in your country remain unaffected
Cross-Border Considerations
International cardholders may incur:
- FX fees
- International transaction fees
- Regulatory surcharges
- Network restrictions in specific regions
Program Summary
- Region: U.S. / International (depending on product issuance)
- Program Type: Consumer
- Flow: Rain Managed (non-custodial; smart-contract-based credit limit)
- Support: support@ryvopay.com
- Privacy Policy: https://ryvopay.com/privacy-policy
- Prohibited Activities: https://ryvopay.com/prohibited-activities