Terms of Service

Last updated: July 2, 2026

These Terms of Service govern your access to and use of the Furlpay web and desktop applications. By creating an account, you agree to these terms.

1. Scope of service

Furlpay provides a self-custodial MPC wallet dashboard, a card control panel, and an investment routing interface. Furlpay is a technology platform; it is not a bank, broker-dealer, investment adviser, or money transmitter. Regulated services are delivered by the licensed partners named in our Regulatory Disclosures.

2. No financial advice

Furlpay does not provide investment, tax or legal advice. All trading and allocation decisions are self-directed. Nothing in the app constitutes a recommendation to buy, sell or hold any asset.

3. Self-custody responsibility

You control Share A of your 2-of-2 MPC key, held on your device and unlocked by your passkey. Furlpay never holds both shares and cannot unilaterally move your funds.

4. Prohibited uses

Furlpay explicitly prohibits use of the platform for:

• Money laundering or terrorist financing.
• Sanctions evasion or transactions with sanctioned persons or jurisdictions.
• Unauthorized automated trading bots operating outside of the authorized x402 agent SDK and its spend controls.

We may suspend or terminate accounts that violate these terms or that our risk and compliance systems flag as high-risk.