Terms of Use

TropyCash is an interface that lets you create a self-custody account, hold and send crypto assets, and, if you choose to, withdraw their value in cash or through a card transfer in the localities where the service is available.

We are not a financial institution, an exchange, or a custodian of funds. We do not take deposits, pay interest on balances, or lend users' money. We also give no financial, tax or investment advice: decisions about what you hold and when you move it are yours alone.

By using the service you represent that you are of legal age in your place of residence and have the legal capacity to be bound by these terms.

You are responsible for confirming that using the service — and in particular sending money to the destination you choose — is lawful for you under the rules that apply to you, including any restrictions arising from your nationality or residence. Do not use the service where the law does not allow you to.

Your account is a smart contract that requires two of three signatures to operate: one from your device, one from your wallet, and a third held by the project that exists solely to make account recovery possible.

That third signature alone cannot move your funds. Even so, the model deserves an accurate description: it is shared custody with a signature threshold, not absolute self-custody. We cannot move your funds on our own, and you do not depend on a single device to keep them.

You are solely responsible for safeguarding your access and recovery factors. Losing all of them at once can leave the account permanently inaccessible: the funds will still exist, but nobody — including us — will be able to move them on your behalf.

The application lets you export your wallets' keys and recovery phrases at any time. They are yours and they work outside of here: with them you can operate from any compatible software, without our involvement.

We recommend exporting and saving them when you create the account, not when you need them. On some networks, regenerating the recovery phrase requires our service to take part, so holding your own copy is what guarantees your autonomy against any disruption.

We will never ask you for your recovery phrase, your keys or your verification codes, through any channel. Anyone who does is attempting to defraud you.

When you request a quote you choose the delivery method — cash or card transfer — and that method is fixed on the order. The recipient does not choose it and cannot change it afterwards.

You are responsible for the accuracy of the recipient's details. Incorrect details can prevent delivery or cause it to be made to someone other than the intended person, with no possibility of reversal.

The delivery times shown are estimates based on typical experience, not guaranteed commitments. They depend on third parties and on conditions on the ground that we do not control.

You can also withdraw your balance to a bank account of your own, in euros or US dollars. Only accounts in your name, the same as your verified identity, are accepted. By adding an account you confirm that it is yours and that its details are correct. The bank may reject the transfer if the name or details do not match; in that case the refund is handled case by case, as with a failed delivery.

If the charge does not complete, the operation reverts and you are not charged anything. If the charge completes and delivery subsequently fails, the refund is not automatic: it is handled case by case by writing to info@tropycash.com.

Transfers are subject to a minimum and maximum amount per operation, shown in the application when you request a quote.

We apply a service fee, whose percentage decreases as the amount grows, and a delivery fee that varies with the destination locality. The service fee is subject to a minimum amount, so on small transfers its relative weight is higher than the stated percentage.

Before you confirm any operation, the full fee breakdown and the exact total are displayed. No charges other than those shown on that screen are applied.

For deliveries denominated in local currency we use a market reference exchange rate, shown when you request the quote. That rate fluctuates and is not set by us.

TropyCash Pro is an optional paid subscription that reduces or removes certain service fees and adds further benefits. The current price and benefits are shown in the application before you pay. The service remains available on its general terms to anyone who does not subscribe.

The subscription is paid in advance, for monthly or yearly periods, with stable crypto assets from your own account and on the networks the application indicates. If you pay on a network that requires network resources or the prior activation of your account, the amount shown already includes that cost. The subscription becomes active as soon as the payment is confirmed on the blockchain.

There is no automatic renewal or charge. A monthly subscription may be extended at any time, and a yearly one during the last thirty days of its period; the new period starts when the current one ends, so you do not lose the days you had left. If you do not extend it, it ends at the close of the paid period and the general fees apply again. We may notify you in advance through the channels you have linked, but the absence of that notice does not extend the subscription.

Subscription payments are not refundable, in whole or in part, unless applicable law provides otherwise. The benefits remain in place until the end of the paid period.

The benefits apply to our own fees. Costs set by third parties, such as network fees or those of exchange and bridge providers, still apply to the extent they do not depend on us.

We may change the price and benefits of the subscription. The price of a period already paid does not change, and when a change to the benefits is material we will notify it inside the application. The subscription is personal, tied to your account and cannot be transferred. Abuse of it, including of its free benefits, is governed by the acceptable-use rules of these terms.

Invite and earn lets you share a personal link. A person is permanently linked to you if they create a new account through that link, or if they enter your code within their first 24 hours and before their first remittance. An existing account cannot be linked, and no one can be linked to themselves. You may change the name of your link; earlier names keep leading to your account and no name that has been used passes to another person.

You receive a commission on the COMPLETED activity of the people you invited: the whole service fee of their cash-delivery remittances, a share of the amount of their transfers to a bank card in local currency, and a share of what they pay for TropyCash Pro. The current percentages are shown in the application. An operation that is not completed generates no commission.

Commissions have a monthly cap, shown in the application and higher for TropyCash Pro subscribers; anything above it does not accumulate. Each commission can be claimed 24 hours after it was generated and from a minimum amount, in stable crypto assets sent to your own account, provided you have verified your identity and confirm the claim with your passkey.

Referring yourself or manipulating the programme — for example with duplicate accounts or fictitious operations — is prohibited. We may cancel commissions not yet claimed that were generated abusively and exclude from the programme anyone who breaks these rules. Commissions are not a salary or an employment relationship, and you are responsible for any tax obligations that apply to you.

We may change the programme's conditions or end it. Changes apply to commissions generated after they are announced in the application; if we end it, you will be able to claim the commissions already available during the period we indicate.

Operations recorded on a blockchain are irreversible. Sending to the wrong address or the wrong network means the funds are permanently lost, with no possibility of recovery on our part.

Crypto asset values fluctuate. Assets designed to hold a stable peg can lose it. That price risk falls entirely on you.

The service depends on public networks, infrastructure providers and partners at the destination. An interruption in any of them can delay or prevent an operation.

The service may not be used to launder money, finance unlawful activity, circumvent legal restrictions, impersonate third parties, or interfere with or gain unauthorized access to the system.

By using the service you declare that you are not listed as a sanctioned person or entity by the United States Treasury's Office of Foreign Assets Control (OFAC) or on equivalent lists of other competent authorities, that you are not acting on behalf of or for the benefit of anyone so listed, and that you do not reside in a territory subject to comprehensive sanctions.

It is likewise prohibited to use the service to send funds to sanctioned persons or entities, or to route funds to them indirectly. You are responsible for confirming that the recipient you register is not in that situation.

Every operation is reviewed by our team before delivery takes place, and each change of status is recorded. We reserve the right to request additional information about an operation or the people involved, and to reject it, hold it or not complete delivery where that information is not provided or where the operation is incompatible with these terms.

The scope of that control deserves to be stated precisely: it consists of a human review of each operation. In addition, sending remittances — delivered in cash or to a bank card — requires verifying your identity once; it is carried out by a specialist provider and that verification does not include sanctions-list screening. Responsibility for your operation being lawful in your jurisdiction, and for the recipient being able to receive it, therefore remains yours.

Each person may verify a single account. If verification indicates that the same person holds several accounts — because their face or their document matches — we may reject the verification and block it on all of those accounts, including the one verified earlier, and we may only lift that block after reviewing it. The block affects only the features that require a verified identity; the rest of the service and control of your funds are not affected.

We may restrict access to an account from our interface when we detect use contrary to these terms or when it is necessary to comply with a legal obligation.

That measure reaches our interface only. We do not hold your funds and we cannot block, freeze or seize them: they sit on public blockchains and your account keys are yours and exportable. Restricting access means you would no longer be able to operate from this application, not that you would lose control of your money.

The service is provided as available at any given time. We do not guarantee uninterrupted or error-free operation, and we may modify, suspend or discontinue it.

To the fullest extent permitted by applicable law, we accept no liability for damages arising from the loss of your keys, from errors in the data you enter, from asset volatility, from failures of external networks or providers, or from use of the service contrary to these terms.

We may amend these terms at any time. The date of the latest revision appears at the top of the document, and changes take effect once published. When a change is material, we will notify it inside the application.

For any question about these terms, you can write to us at info@tropycash.com.