Effective date: 1st of January, 2026
These product-specific terms of use (“Global USD Account Terms”) govern your access to and use of your account services related to your dollar-denominated account interface through which you can create digital wallets; self-custody supported digital assets; and monitor, maintain, and transact with supported digital assets (the “Global USD Account”). Such services are made available to you through us in collaboration with third-party service providers accessible through our Website, mobile application, or API (collectively, the “Site”).
These Global USD Account Terms supplement and form part of the Dino Terms of Service at dino.id/legal/terms-of-service (the “TOS”). If any provisions of these Global USD Account Terms conflict with the TOS, these Global USD Account Terms control only with respect to the Global USD Account, including all services and functionality related to your digital wallets and digital assets, including supported USDC and other tokens made available through the program; otherwise, the TOS govern. Any capitalized terms herein refer to the capitalized terms in the TOS.
Program note: This page is adapted for USDC and dino.id; issuer names, partner roles, and fees must match your live product and counsel-approved disclosures.
By agreeing to these terms, creating an account, or otherwise accessing the Site, you acknowledge that you have read, understood, and agree to be bound by both the Global USD Account Terms and the TOS. If you do not agree, do not use the Site.
Dino provides the user interface, branding, and customer support related to your use of the Global USD Account.
Through our Site and with the facilitation of third-party service providers, you may perform functions that include, where supported: (i) converting fiat currency into USDC for display or movement in accordance with program rules; (ii) converting other supported digital assets into USDC; (iii) converting USDC into U.S. dollars deposited with our Account Providers (and reflected on your Account); (iv) converting USDC into U.S. dollars directed to an external bank account at your direction; and (v) converting USDC displayed on your Account into other supported digital assets, in each case subject to eligibility, partner availability, and the fees in Section 4.
Although Dino may display amounts related to your digital assets, Dino does not have custody or control over on-chain assets in your wallet. The display is a reference of information provided via public blockchain data and may not be completely up to date. All amounts displayed in your Account in fiat currency that are held with our Account Providers are subject to the TOS and other disclosures on our Site.
You authorize Dino to transmit your identifying information to third-party service providers as required by anti-money-laundering and Travel Rule regulations.
All records of digital asset transactions are maintained on a decentralized ledger known as a blockchain, which is managed by independent parties (“Validators”) not under Dino’s control and typically not affiliated with each other. Your interactions involving digital assets on our Site must be facilitated by a specialized interface that allows you to broadcast messages to be reviewed by Validators for inclusion on the ledger. This interface is commonly referred to as a “wallet,” and, for the Global USD Account, may be provided by Turnkey Global, Inc. and Alchemy Insights, Inc. (“Wallet Service Providers”), independent third-party service providers.
Dino does not (a) hold or safeguard your on-chain digital assets in your self-custody wallet; (b) hold or safeguard any reserves backing third-party stablecoins; (c) operate the underlying wallet software; (d) guarantee any redemption rights related to third-party tokens; or (e) otherwise provide money transmission, trust, or escrow services for assets you control outside of program rules described in your agreements.
USDC is a digital dollar stablecoin issued by Circle Technology Services, LLC (or its affiliates) and supported on permitted networks. Technical specifications, reserve composition, and peg mechanics are determined by Circle and applicable networks and may change over time. See Circle’s disclosures and terms for the token.
Conversion, custody where applicable, and banking rails may involve additional independent providers (for example, Bridge Building Inc. or others described in your onboarding materials and on the Site). Requests to mint, redeem, convert, or move USDC may be processed by partners according to their terms. Dino may never take possession of certain flows depending on product design; where partners hold or move assets, their terms and fees apply in addition to these Global USD Account Terms.
USDC is commonly redeemable or convertible for U.S. dollars subject to partner liquidity, compliance checks, and settlement windows. Processing times vary and are not guaranteed by Dino.
Dino reserves the right to modify fees at any time, in its sole discretion, and continued use of the Global USD Account will constitute consent to such changes. All fees are non-cancelable and, unless otherwise stated in an order form, non-refundable.
USDC does not pay interest through Dino, and Dino does not pay (and has no obligation to pay) interest, yield, or any other return on USDC or on balances displayed in your Global USD Account merely because they are shown in the interface. USDC is not offered or marketed as a savings, deposit, or investment product, and you should not acquire, hold, or use USDC with an expectation of profit, return, or appreciation except as expressly stated in a separate written agreement.
Rewards, if any, are promotional rebates funded solely by Dino and are not interest or yield. Any promotional rewards program previously offered in connection with the Global USD Account ended on December 31, 2025, and no rewards accrue after that date unless a new program is offered in writing. As of January 1, 2026, Dino does not offer any publicly available rewards in connection with holding or using USDC or the Global USD Account unless expressly stated otherwise in the Site or an order form.
You must be 18 years old to access services related to the Global USD Account, and you must be legally competent to enter into these Global USD Account Terms. You represent that you will not use the Global USD Account in violation of any applicable law in the jurisdiction in which you reside.
You represent you are not (a) located in, or a resident or national of, any jurisdiction that is comprehensively sanctioned by the U.S., including through the Office of Foreign Assets Control; or (b) listed on any U.S. government sanctions list, including the Specially Designated Nationals list. You are responsible for ensuring your use of the Site is lawful in your jurisdiction.
The Global USD Account may not be available to entities based in certain states or regions; availability is shown in-product and may change.
You agree to provide us with accurate information and to keep your Account current. You authorize Dino to share any of your Account information with third-party service providers as needed to provide Global USD Account services, and otherwise as necessary for compliance or operational purposes.
Your wallet is provided by a Wallet Service Provider. The Site does not take custody of your on-chain assets in self-custody configurations. It is your responsibility to keep emails, private keys, seed phrases, or backups required to access your wallet (“Access Devices”) secure and private. Loss of Access Devices may result in the permanent, irreversible loss of digital assets, for which you accept full responsibility. Dino does not operate the wallet software and cannot provide recovery services for lost Access Devices. Further information is available from the Wallet Service Providers: Alchemy legal, Turnkey terms. Your use of the wallet is subject to the Alchemy Terms and Turnkey Terms.
By accessing or using the Platform in any way, you represent and warrant that you understand the following, and you agree that Dino is not liable for losses arising from these risks except as prohibited by applicable law:
Intellectual property, limitations of liability, disclaimers, indemnification, dispute resolution, governing law, modification of terms, and termination or suspension of services are governed by the TOS. Review the TOS carefully; those provisions apply to your use of the Site and Global USD Account services to the fullest extent permitted by law.
Questions? Email support@dino.id.