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Terms of Service

Last updated: February 27, 2026

Important: Wallet of USDT is a non-custodial wallet. By using this Service, you acknowledge that you are solely responsible for the security of your private keys and the management of your digital assets.

1. Acceptance of Terms

By downloading, installing, or using Wallet of USDT (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

These Terms constitute a legally binding agreement between you and Wallet of USDT. We recommend that you read them carefully.

2. Description of Service

Wallet of USDT is a non-custodial cryptocurrency wallet application that enables users to:

  • Create and manage ERC-4337 smart contract wallets using Passkey (WebAuthn) authentication
  • Send and receive USDT (Tether) across multiple blockchain networks (Base, Ethereum, Polygon, Arbitrum, BNB Chain, and TRON)
  • Execute gasless transactions where fees are deducted in USDT via Paymaster services
  • Register usernames for simplified address resolution
  • Bridge USDT between supported chains
  • Purchase USDT through integrated third-party on-ramp services
  • Back up encrypted wallet data to cloud storage

Non-Custodial Nature: We do not hold, manage, or control your digital assets. We do not have access to your private keys, recovery phrases, or funds. You are solely responsible for the security and management of your wallet.

3. Eligibility

To use the Service, you must:

  • Be at least 18 years of age (or the age of majority in your jurisdiction)
  • Have the legal capacity to enter into a binding agreement
  • Not be a resident of any jurisdiction where cryptocurrency transactions are prohibited
  • Not be listed on any government sanctions list
  • Comply with all applicable local, state, national, and international laws and regulations

4. Wallet Creation and Security

4.1 Wallet Generation

When you create a wallet, the Service generates a private key and associated ERC-4337 smart contract wallet. The private key is stored locally on your device in the Secure Element.

4.2 Recovery Phrase

A 12-word BIP39 mnemonic recovery phrase is generated for backup purposes. It is your sole responsibility to:

  • Securely record and store your recovery phrase
  • Never share your recovery phrase with anyone
  • Understand that losing your recovery phrase may result in permanent loss of access to your funds

4.3 Passkey Authentication

Wallet of USDT uses Passkey (WebAuthn) for transaction signing. You are responsible for maintaining the security of your device and biometric data.

Warning: We cannot recover lost private keys, reset Passkeys, or reverse blockchain transactions. If you lose access to your wallet without a backup, your funds will be permanently inaccessible.

5. User Responsibilities

You agree to:

  • Maintain the security of your device and Passkey
  • Securely back up your recovery phrase
  • Verify all transaction details (recipient address, amount, chain) before confirming
  • Understand the risks associated with cryptocurrency transactions
  • Comply with all applicable laws and regulations in your jurisdiction
  • Report any security vulnerabilities to us promptly
  • Not use the Service for any illegal or unauthorized purpose

6. Prohibited Activities

You agree not to use the Service for:

  • Money laundering or terrorist financing
  • Fraud or deception
  • Circumventing any applicable laws, regulations, or sanctions
  • Transferring proceeds of illegal activity
  • Interfering with or disrupting the Service's infrastructure
  • Reverse engineering, decompiling, or disassembling the Service (except as permitted by law)
  • Attempting to gain unauthorized access to other users' wallets or data
  • Impersonating another person or entity when registering a username
  • Registering offensive, misleading, or infringing usernames

7. Fees and Charges

7.1 Service Fees

Wallet of USDT charges a service fee for transactions, which varies by network:

  • Base, Polygon, Arbitrum, BNB Chain: 0.20 USDT per transaction
  • Ethereum: 1.50 USDT per transaction
  • TRON: 2.00 USDT per transaction
  • Cross-chain bridge: 0.10 USDT markup plus bridge protocol fees

7.2 Network Fees

Underlying blockchain network (gas) fees are covered by the Paymaster service and included in the service fee. You do not need to hold native gas tokens.

7.3 Fee Changes

We reserve the right to adjust fees. Fee changes will be displayed in the app before you confirm any transaction. You always see the exact fee before sending.

7.4 Third-Party Fees

Third-party services (e.g., Onramper for purchases) may charge their own fees, which are separate from our service fees and displayed during the transaction process.

8. Third-Party Services

The Service integrates with third-party providers:

  • ZeroDev: Account Abstraction and Paymaster infrastructure
  • Onramper: Fiat-to-crypto purchase aggregation
  • Across Protocol: Cross-chain bridge functionality
  • Firebase: Push notification delivery
  • Google Drive: Encrypted cloud backup storage

These third-party services are governed by their own terms and privacy policies. We are not responsible for the availability, functionality, or security of third-party services. Your use of these services is at your own risk.

9. Username Service

The optional username registration service is subject to the following conditions:

  • Usernames are available on a first-come, first-served basis
  • You may not register usernames that are offensive, misleading, or infringe on trademarks
  • We reserve the right to reclaim or reassign usernames that violate these terms
  • Usernames are tied to your wallet address and cannot be transferred
  • We do not guarantee the perpetual availability of the username service

10. Intellectual Property

The Service, including its design, code, and branding, is owned by Wallet of USDT and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes in accordance with these Terms.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE
  • WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
  • WARRANTIES REGARDING THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE

You acknowledge that:

  • Cryptocurrency values are highly volatile and can result in significant financial loss
  • Blockchain transactions are irreversible once confirmed
  • Smart contracts may contain vulnerabilities
  • Network congestion may delay transactions
  • Regulatory changes may affect your ability to use the Service

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WALLET OF USDT SHALL NOT BE LIABLE FOR:

  • Loss of funds due to lost private keys or recovery phrases
  • Unauthorized access to your device or wallet
  • Errors in recipient addresses provided by you
  • Losses caused by third-party services
  • Network failures, delays, or disruptions on blockchain networks
  • Smart contract vulnerabilities or exploits
  • Changes in cryptocurrency value
  • Any indirect, incidental, special, consequential, or punitive damages

Our total liability shall not exceed the total fees you paid to us in the 12 months preceding the claim.

13. Indemnification

You agree to indemnify and hold harmless Wallet of USDT and its officers, employees, and agents from any claims, damages, losses, or expenses arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any applicable laws or regulations
  • Your infringement of any third-party rights

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the Service operates, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved through binding arbitration or the courts of competent jurisdiction.

15. Modification of Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Material changes will be communicated via in-app notification. Your continued use of the Service after changes constitutes acceptance.

16. Termination

We may terminate or suspend your access to the username service or push notifications if you violate these Terms. However, because the wallet is non-custodial:

  • You always retain full control over your private keys and funds
  • You can always access your funds directly through the blockchain, independent of our Service
  • We cannot freeze, seize, or restrict access to your on-chain assets

17. Contact

For questions about these Terms of Service: