Terms of Service服务条款

Last updated: 17 October 2026

These Terms of Service ("Terms") form an agreement between you and MouCard ("MouCard", "we", "us"), based in New Delhi, India. They apply when you open a MouCard account, fund it with stablecoins and use MouCard virtual Visa cards. By creating an account you agree to these Terms and to our Privacy Policy.

1. The service and our partners

MouCard is a financial technology platform, not a bank. MouCard Visa cards are issued by our licensed issuing partner pursuant to a license from Visa. When your card is issued you will also be bound by the cardholder terms of the issuing partner. If those cardholder terms conflict with these Terms on a card-related matter, the cardholder terms prevail.

2. Eligibility

• You must be at least 18 years old and live in, or for businesses be registered in, one of our supported countries and regions.
• You must not be subject to sanctions or acting on behalf of a sanctioned person.
• If you open a business account, you confirm that you are authorised to act for that business.
• The information you give us must be true, complete and kept up to date.

3. Your account and security

You may hold one account unless we agree otherwise. Keep your password and card details confidential and do not let anyone else use your account or cards. You are responsible for activity on your account until you tell us it has been compromised. Contact us immediately at woki@moucard.com / rayne@moucard.com if you suspect unauthorised use.

4. Information requests

Where the law or our issuing partner requires it, we may ask you for further information about you, your business or the source of your funds. We may refuse an application, limit features or close an account if the information is not provided or if we are required to do so by law.

5. Funding with stablecoins

• You can fund your MouCard balance with the stablecoins and networks shown in your wallet, currently USDT and USDC on Ethereum (ERC20), Polygon, Base, Arbitrum, Optimism.
• Send funds only to the deposit address shown in your wallet and only on the network shown next to it. Blockchain transfers cannot be reversed. Funds sent on an unsupported network, in an unsupported asset or to the wrong address may be permanently lost, and we may be unable to recover them.
• Deposits are credited after the transfer is confirmed on the relevant blockchain. Network fees charged by the blockchain are paid by the sender.
• A top-up fee applies to each deposit as shown on our pricing page.
• USDT and USDC are issued by third parties. MouCard does not issue or guarantee them or their value. Your MouCard balance is not a bank deposit, does not earn interest and is not covered by any deposit insurance scheme.

6. Using your cards

• MouCard cards are virtual Visa cards for online payments at merchants that accept Visa. Acceptance can vary by merchant and region.
• A payment is approved only if your available balance covers the amount and any applicable fees.
• You can freeze, unfreeze or cancel a card at any time. A cancelled card cannot be reactivated.
• We or the issuing partner may decline a payment, freeze a card or suspend an account where we reasonably suspect fraud, unauthorised use or a breach of these Terms, or where the law requires it.

7. Fees

Our fees are listed on our pricing page and are deducted from your MouCard balance when they become due. We will give you reasonable advance notice by email before increasing any fee.

8. Prohibited use

You must not use MouCard for any unlawful purpose, including money laundering, terrorist financing, fraud, sanctions evasion, illegal gambling, or the purchase of illegal goods or services. You must not resell cards, provide cards to third parties, or use MouCard in a way that harms us, our partners or other customers.

9. Refunds and disputes

Refunds from merchants are credited to your balance when we receive them from the card network. If you do not recognise a transaction or have a problem with a purchase, contact us promptly. We will help you raise a dispute under the card network rules; the outcome depends on those rules and the issuing partner's decision.

10. Closing your account

You can close your account at any time by contacting us. We may close your account with reasonable notice, or immediately where the law requires it or where you have seriously breached these Terms. After closure, and once any pending transactions and checks are complete, we will return your remaining balance, less any fees owed, using a method we agree with you and in line with applicable law.

11. Liability

We provide the service with reasonable care and skill. We are not responsible for losses caused by merchants, blockchain networks, stablecoin issuers or other third-party services, by events outside our reasonable control, or by your failure to follow these Terms. To the extent permitted by law, we are not liable for indirect or consequential losses, and our total liability to you is limited to the fees you paid us in the twelve months before the event giving rise to the claim. Nothing in these Terms limits liability that cannot be limited by law, or your rights under mandatory consumer protection laws of your country of residence.

12. Changes to these Terms

We may update these Terms from time to time. We will post the new version on this page and tell you by email before material changes take effect. If you do not agree, you may close your account before the changes apply.

13. Governing law

These Terms are governed by the laws of India, and the courts of New Delhi have jurisdiction, without affecting any mandatory rights you have under the laws of the country where you live.

14. Contact

MouCard, New Delhi, India
woki@moucard.com / rayne@moucard.com