Terms of Service

AtbDev is operated by Atbdev LLC, a limited liability company formed in Wyoming ("we", "us", "our"). These Terms of Service govern your use of AtbDev and form a binding agreement between you and Atbdev LLC.

By creating an account you accept these terms. If you do not accept them, do not use the service.

AtbDev lets you deposit US dollars by bank transfer, hold a balance denominated in the USDC stablecoin, and withdraw either to a blockchain address you control or to a bank account you have linked.

Regulated payment, custody and compliance services are provided by our partner Bridge, not by us. When you deposit dollars, Bridge receives them, converts them to USDC and credits a wallet held in your name. When you withdraw, Bridge executes the payment.

Atbdev LLC is not a bank, and AtbDev is not a bank account.

You must be at least 18 years old and legally able to enter a contract. You must open an account in your own name and for your own benefit. One person, one account.

You sign in with a one-time code sent to your email address, so you are responsible for keeping that email account secure and for activity that occurs under your account. Tell us immediately if you believe someone else has access.

You may close your account at any time by contacting us. We may need to retain records after closure to meet legal obligations — see our Privacy Policy.

Financial regulations require every customer to be identified before they can hold a balance or move money. Verification is performed by Bridge through their hosted flow. You submit your identifying information directly to Bridge; Atbdev LLC does not collect or store your government identifiers or identity documents.

We cannot open banking products for you until Bridge approves your verification, and we cannot override that decision. Verification may be declined, or an approved account later restricted, where required by law or by our partners' policies.

Deposit instructions shown in the app belong to a virtual account issued to you by Bridge. Send funds only from a bank account held in your own name. Third-party deposits are returned to the sending bank.

Funds are credited when they settle, not when they are sent. ACH transfers typically settle in one to three business days; wires are usually same business day if sent before your bank's cut-off. Settled dollars are converted to USDC and credited to your wallet.

We do not control settlement times, and we do not guarantee that any particular deposit will be accepted. A deposit may be delayed, held for review, or returned by Bridge, by a bank in the chain, or by us where required.

Your balance is a quantity of USDC held in a wallet maintained for you by Bridge. It is not a deposit with Atbdev LLC.

Balances earn no interest and we pay none. We do not lend, pledge, rehypothecate or otherwise use your balance for our own purposes.

The balance shown in the app is reported by Bridge and is the authoritative figure. Where the app displays a number that later proves incorrect, Bridge's record governs.

You may withdraw USDC to a blockchain address you specify, or request a payout in US dollars to a bank account you have linked.

Blockchain transactions are final and irreversible. You are responsible for the destination address and the network you select. Funds sent to an incorrect address, or to an address on a network that does not support them, cannot be recovered by us or by Bridge.

Every withdrawal requires you to review the amount, destination and network or payment rail on a confirmation screen before it is submitted. Once submitted, a withdrawal cannot be cancelled.

Withdrawals may be delayed or declined where a compliance review is required, where the destination cannot be verified, or where we are required to act by law.

You may link a bank account for withdrawals using Plaid. Linking confirms the account exists and belongs to you so it can be used as a payout destination.

Linking an account does not authorise us to debit it. We do not pull funds from your bank. Money leaves your bank only when you send it.

Any fee we charge is shown before you confirm a transfer. If no fee is shown, we are charging none for that transfer.

Network fees, exchange fees and fees charged by banks or Bridge may also apply and are reflected in the amount that ultimately arrives. Your bank may charge you separately for sending a wire or ACH transfer; we do not control or receive those charges.

You agree not to use AtbDev:

• for or on behalf of anyone else, or under a false identity
• to launder money, finance terrorism, evade sanctions, or conceal the source of funds
• in any jurisdiction where the service is not lawfully available to you
• to defraud any person, or to move the proceeds of unlawful activity
• to interfere with, probe, overload or reverse engineer the service or its security controls

We may report activity to regulators or law enforcement where we are required to.

We may suspend, restrict or close your account, or refuse a transaction, where we reasonably believe it is necessary to comply with law, to follow a partner's instruction, to protect you or another customer from fraud, or because you have breached these terms.

Where we are permitted to tell you, we will. Some legal obligations prohibit us from explaining a restriction.

If your account is closed and a balance remains, we will return it to you by a method available to us, subject to any legal restriction that applies.

• USDC is not a bank deposit and is not insured by the FDIC, SIPC or any equivalent scheme.
• A stablecoin may lose its peg to the dollar. Its issuer, not us, backs its value.
• Blockchain transactions are irreversible and can be delayed or made expensive by network conditions outside anyone's control.
• Access to the service can be interrupted by our providers, our partners, or the banking system.
• Tax treatment of stablecoin transactions is your responsibility to determine and report.

Check your activity regularly. Tell us as soon as possible if you see a transaction you did not authorise or believe is wrong, using the contact details below. Include the transaction reference shown on the transaction screen.

We will investigate, and where a payment partner or bank provides an error-resolution process, we will pursue it on your behalf. Prompt reporting materially improves the chance of recovery.

We provide the service as it is. We do not warrant that it will be uninterrupted, error free, or available at any particular time, and we may change or discontinue features.

To the fullest extent permitted by law, we disclaim implied warranties including merchantability, fitness for a particular purpose and non-infringement.

To the fullest extent permitted by law, Atbdev LLC is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost opportunity or lost data.

Our total liability arising out of or relating to the service is limited to the greater of the fees you paid us in the twelve months before the event giving rise to the claim, or one hundred US dollars.

Nothing in these terms limits liability that cannot lawfully be limited, including liability for our own fraud.

You agree to indemnify Atbdev LLC against claims, losses and reasonable costs arising from your breach of these terms, your misuse of the service, or your violation of law or the rights of another person.

These terms are governed by the laws of Wyoming, without regard to its conflict of laws rules. You and Atbdev LLC agree to the exclusive jurisdiction of the state and federal courts located in Wyoming for any dispute that is not otherwise resolved.

Before filing, please contact us — most issues are resolved faster directly.

We may update these terms. Where a change materially affects your rights we will give notice through the service or by email before it takes effect. Continuing to use AtbDev after a change takes effect means you accept the updated terms.

Atbdev LLC

30 N Gould St, Ste R, Sheridan, WY 82801, USA

support@atbdevramp.io