Version: 2.6 | Last Updated: September 4, 2026
These Terms and Conditions ("Terms") govern the relationship between the applicable Blink entity (identified in the Contracting Entity section below) ("Blink") and you ("User") for the use of services provided by Blink through the Wallet (defined below).
Your agreement is with one of the following Blink entities, depending on your status and country of residence:
Throughout these Terms and Conditions, "Blink" refers to the applicable contracting entity based on your status and country of residence. References to a specific entity are used where provisions apply only to that entity’s users; references to "Blink" generally apply to all entities. A “US Person” means: (a) any natural person who is a U.S. citizen, national, or lawful permanent resident, or whose primary residence is in the United States; (b) any entity organized under U.S. federal, state or territorial law; (c) any trust with a US Person trustee, or any estate whose income is subject to U.S. federal income tax; or (d) any entity, wherever incorporated, whose primary operations, principal place of business, or predominant end-user base is in the United States. US Persons contract with Blink US LLC and are subject to the US-specific provisions of these Terms.
The Platform and its technology are developed and maintained by Blink Technologies, LLC (Próspera Permit No. 85348155380061), a limited liability company organized under the Roatán Common Law Code of Próspera ZEDE, with registered address at Beta Building, Oficina 6, Próspera ZEDE, St. John’s Bay, Roatán, Islas de Bahía 34101, Honduras ("Blink Technologies"). Blink Technologies is an affiliate of the Blink entities and licenses technology and provides infrastructure and delegated custody services to each Blink entity under the direction and supervisory oversight of that entity pursuant to a Master Licensing and Services Agreement. Each Blink entity retains regulatory responsibility for safeguarding customer assets and oversees Blink Technologies’ custody operations, including audit rights and regulatory access. Your contractual relationship is with the applicable Blink entity — not with Blink Technologies.
Acceptance of these Terms is required to use the Wallet. If the User does not agree, they must refrain from using the Wallet; continued use constitutes acceptance.
By accepting these Terms, the User consents to receiving SMS, push notifications, emails, and other communications from Blink or its designated third parties related to the Wallet, its services, support, and updates.
Information entered into the Wallet is used as described in Section 6 and the Blink Privacy Policy.
These Terms govern Blink’s provision of Bitcoin and digital asset wallet services, card services through Partner Services, and related services to you, in your own capacity. By accessing or using the Services or the Wallet, you accept these Terms, effective upon your use of the Services.
Blink may modify these Terms at any time with at least 30 days’ prior notice through the Wallet. For material changes, Blink will clearly identify the modifications and request affirmative acceptance; if declined, the User may terminate without penalty during the notice period. For non-material changes, continued use after the notice period constitutes acceptance. For a User whose access has been restricted after the Final Deadline, a modification is notified by push notification and in the Wallet and takes effect on the date stated in the notice. The User should periodically review the Terms.
Changes to availability of Services, features, modes, or Supported Assets (Section 19.6) in any jurisdiction are changes in service availability, not modifications of these Terms, and are governed by Section 19 (and Sections 19.6 and 19.7, where applicable).
Use of the Services is not permitted from jurisdictions where applicable law prohibits such operations with Bitcoin or card services, or where Blink considers operations infeasible. Blink employs geo-restriction measures; Users must not circumvent them. If a User accesses Services unavailable in their jurisdiction, Blink may suspend or terminate the User’s account without liability.
Governing law follows the contracting entity: Salvadoran law for Blink El Salvador, S.A. de C.V., whose services are directed towards Salvadorans and duly identified foreigners; Wyoming law for Blink US LLC (US service limitations apply); Próspera ZEDE law for Blink LLC. Not all Services, features, or modes are available in all jurisdictions; Blink restricts availability based on location and regulatory requirements. All Users are subject to jurisdiction-specific provisions in these Terms. Card services are subject to the Cardholder Agreement’s governing law.
Blink may offer additional services not described herein, governed by their own terms made available to eligible Users. In any conflict, the terms governing such additional services prevail with respect to those services.
For the purposes of these Terms and Conditions, the terms set forth below shall have the following meaning:
"API" means Blink’s programmatic interface (including the GraphQL API, webhooks, OAuth2 integrations, and related developer tools, documentation, and endpoints at dev.blink.sv or another URL Blink designates) through which Users may access the Services programmatically. The API is available only in Custodial Mode.
"Backup Phrase" means the recovery (seed) phrase generated when a User activates Non-Custodial Mode, which is the sole means of recovering non-custodial funds. Blink does not store or have access to the Backup Phrase.
"Bitcoin Balance" means the bitcoin held by or for a User in the Wallet, in either mode, as described in Section 7.
"Blink" means the applicable contracting entity identified in the Contracting Entity section.
"Cardholder Agreement" is the agreement governing the use of the Blink Card, available at Blink Card Cardholder Agreement.
"Blink Card" is a Visa-branded card issued by Third National, LLC, a lender licensed by the Commonwealth of Puerto Rico (the "Issuing Bank"), with Signify Holdings, Inc. (the "Program Manager") as program manager and issuing sponsor, and Blink Technologies as technology platform provider (the "Technology Provider"). It currently operates in Funded Mode; a Credit Mode may be activated in the future. Its features, modes, and use are described in Section 3.2 and governed by the Cardholder Agreement.
"Custodial Mode" means the mode in which Blink (through Blink Technologies as infrastructure provider) holds and manages the User’s Bitcoin Balance and Dollar Balance on the User’s behalf; the User does not hold private keys directly.
"Dollar Balance" means the USD-equivalent balance feature allowing Users to hold, send, and receive a stable USD-denominated balance. In Custodial Mode it uses Stablesats (a hedging-based mechanism); in Non-Custodial Mode it uses stablecoins held on the Non-Custodial Protocol.
"Enhanced Mode" means the Non-Custodial Mode setting in which the Wallet checks the connection’s location at the start of each session to determine the features available for that session (Section 2.5(f)).
"Final Deadline" means, for a User, the date stated in a notice given under Section 19.1, as determined under Section 19.2, up to which the User’s ability to withdraw or otherwise exit their funds remains available and after which Blink may restrict access to the User’s account under Section 19.3.
"Incognito Mode" means the Non-Custodial Mode setting in which no region is determined and no location information is stored; enhanced features — including the Lightning address, the Dollar Balance and transfers between balances — are unavailable, and the Wallet operates with the Bitcoin Balance and local wallet functions only (Section 2.5(f)).
"Non-Custodial Mode" means the mode in which the User’s Bitcoin Balance and Dollar Balance are held using the Non-Custodial Protocol, with the User retaining control through cryptographic keys (see Sections 2.5, 8.4, and 12.3). Non-Custodial Mode is available only through the Wallet and not via the API.
"Non-Custodial Protocol" means the Spark protocol (developed by Lightspark), a federated state chain Layer 2 protocol built on Bitcoin, or any other non-custodial protocol Blink supports, enabling Users to send, receive, and hold Bitcoin and supported stablecoins under their own keys rather than Blink’s custody. The protocol operates through a federated network of operators; see Section 8.4(c) for risks.
"Partner Agreements" are the separate agreements between the User and Blink’s Partners governing Partner Services, including the Cardholder Agreement, made available in the Wallet and linked in Related Documents.
"Partner Services" are products and services offered through the Platform by third parties ("Partners") rather than Blink, governed by separate Partner Agreements.
"Platform" means the Wallet, the API, and any other interface or access method through which Blink makes the Services available.
"Stablesats" is the technology underlying the Dollar Balance in Custodial Mode, maintaining USD-equivalent value through hedging positions on third-party platforms, where $1 in Stablesats equals $1 USD worth of satoshis. Stablesats are not legal tender, not stablecoins, and not backed by any State or government. Stablesats are not used in Non-Custodial Mode.
"User" means any natural or legal person who meets Blink’s criteria, creates an account, accepts these Terms, accesses the Services through the Platform, and complies with any other requirement Blink determines.
"Wallet" (also the "App" or "Application") means the digital wallet application for mobile phones and other devices, owned and operated by Blink, through which the User may: (a) make real-time bitcoin or money transfers between users; (b) pay utilities such as water, electricity, telephone, and internet; (c) manage incoming payments; and (d) apply for and use Partner Services, including the Blink Card (together, the "Services"). The Wallet supports both modes; the API provides an alternative programmatic interface to Custodial Mode Services only. Availability of Services, interfaces, modes, and features is governed by the Applicable Terms section and Sections 2.5, 2.6, 19.6, and 19.
2.1 User Responsibility. The User is solely responsible for all transactions and information entered or downloaded through the Wallet. If Blink faces any administrative or judicial process resulting from the User’s transactions or information, the User must personally respond to any resulting obligations.
2.2 Information Validation and Monitoring. Blink may use any proportionate means to validate information and ensure proper use of the Wallet.
Blink may monitor all activities and Information Resources related to the Wallet, directly or through authorized persons, as permitted by law. "Information Resources" means the information and resources that compose or support the Wallet. Monitoring purposes include: (a) preventing cybersecurity risks; (b) protecting Users and Wallet integrity; (c) ensuring compliance with these Terms and applicable regulations; and (d) preventing unauthorized or illegal actions.
If violations or irregular behavior are identified, Blink may take any measures permitted by law, including suspension or elimination of access. The User must respond to any irregular action and must fully indemnify and hold Blink harmless from all consequences arising from their action or omission.
2.3 Data Accuracy. The User represents that all data provided through the Wallet is true and complete, and authorizes Blink, its processors, and technology intermediaries to use it for operating and maintaining the Wallet and providing the Services, as permitted by law. For personal data, the informed consent provisions herein apply.
2.4 Mobile Application Requirements. The following conditions apply to the Wallet mobile application:
a) The User must ensure their device runs the latest OS version, is free of malicious code, has manufacturer patches applied, and has appropriate security software installed.
b) The Wallet is for persons aged 18 or older. Parents or legal guardians must prevent minors from accessing it. If a minor registers, they do so under their legal representative’s authorization; the representative is responsible for all actions or omissions by that minor.
c) The Wallet requires a stable, secure, high-speed internet connection. Blink is not responsible for transactions the User cannot complete due to an inadequate connection.
d) Transfers through the Wallet are final and irreversible once concluded.
2.5 Custodial and Non-Custodial Modes. The Wallet offers Custodial Mode and Non-Custodial Mode (each defined in Section 1). The User acknowledges that:
a) Mode availability may vary by jurisdiction and over time. Blink determines which modes and features are available based on regulatory and operational considerations, subject to Section 19 where existing Users are affected.
b) Where both modes are available, Users may select their preferred mode and hold balances in both simultaneously.
c) The two modes differ fundamentally in custody, risk, and responsibilities. In Custodial Mode, Blink holds funds on behalf of the User and can assist with recovery per Section 13.5, limited to releasing the custodial balance to a verified account (not restoring the original account or credentials). In Non-Custodial Mode, the User holds their own funds and Blink cannot access, recover, or restore them under any circumstances. The User must understand these differences before selecting a mode.
d) Some features are available only in one mode: the API operates exclusively in Custodial Mode, and Non-Custodial Mode is available only through the Wallet.
e) The Dollar Balance uses Stablesats in Custodial Mode and stablecoins on the Non-Custodial Protocol in Non-Custodial Mode, each with a distinct risk profile (Section 8).
f) Non-Custodial Mode operates in Enhanced Mode or Incognito Mode. The User chooses at wallet creation and may switch in Settings at any time; Users migrating from Custodial Mode start in Enhanced Mode. Switching to Incognito Mode turns off enhanced features, discards any stored region and retires the User’s Lightning address, which is not restored on switching back; switching to Enhanced Mode triggers a fresh location determination at the next session start. In Enhanced Mode, a verified phone number, once added, replaces the session location as the region signal. The mode choice is stored with the wallet’s public key so that it is restored on recovery. Sanctions controls (Section 11) apply in both settings.
2.6 Identity Verification. Blink may request a liveness photograph and identity documents at account creation. The User must provide any information necessary to comply with security mechanisms.
Identity verification and liveness checks are performed by third-party providers identified in the Blink Privacy Policy. By completing verification, the User consents to transmitting personal data — including government-issued ID, facial images, and biometric data (facial geometry) — to the applicable provider per its privacy notice and the Blink Privacy Policy. Biometric data will be retained and destroyed in accordance with the retention schedule described in the Blink Privacy Policy, which also sets out processing details, including jurisdiction-specific disclosures.
Blink may also request documentation evidencing a User's country or countries of residence (for natural persons) or a User's jurisdiction of incorporation, registered office, and ownership and control structure (for legal persons). Blink uses such documentation, together with other account signals, to determine the jurisdiction(s) attributed to a User's account, and the attributed jurisdiction(s) determine which Services, features, and modes are available to the User under these Terms. Users must disclose all residences accurately and keep them current; false or misleading information is a breach of these Terms. Where multiple current residences are evidenced, Blink may apply the most restrictive availability determination among the relevant jurisdictions.
2.7 Background Checks. The User authorizes Blink or its contracted third parties to request, at any time and without prior notice, commercial, banking, financial, and reputational references and to review any databases and conduct User analysis, as permitted by applicable regulations.
2.8 Transactions Responsibility. Blink is not responsible for any transmission of funds carried out per the User’s instructions. Transfers from the Wallet are the User’s sole responsibility regardless of the recipient; except as prohibited by applicable law, Blink is not liable. Fraudulent or accidental losses may not be recoverable, and confirmed transactions are binding. Blink is not responsible for fraudulent, accidental, or negligent operations resulting from Users’ failure to safeguard their access keys or passwords. Card transactions are subject to the Cardholder Agreement’s dispute and fraud protections.
2.9 Lawful Use. The User represents that funds used in the Wallet come from lawful activities and that the User is not involved in money laundering, terrorism financing, or other illegal activities. Fraud or illegality may result in civil and criminal sanctions and account closure.
2.10 Taxes. The User is responsible for all taxes, fees, and charges levied on Blink services.
2.11 Registration. To use the Wallet and Services, you must be of legal age or access under parental or guardian supervision and consent. The Blink Card is available only to individuals aged 18 and over. By using the Wallet, the User agrees to register per Blink’s policies.
An account is required for some Services. You must provide accurate, complete, and current information and keep it updated. Failure to do so may result in immediate account cancellation.
Each User receives an internal code which, along with their registered email and phone number, identifies them. Access requires identity verification (performed by Blink or third parties). Usernames may not impersonate others, use unauthorized marks, or be offensive. Automated account creation is prohibited.
Subject to these Terms, the User is granted a personal, limited, non-exclusive, non-transferable, revocable license to use the Services.
3.1 Partner Services Overview. Some products and services are provided by third-party Partners. By utilizing Partner Services, the User accepts the applicable Partner Agreements. Availability may depend on verification level, and Blink may require additional verification in its sole discretion.
3.2 Blink Card. Users may apply for the Blink Card and associated Card Balance (defined in the Cardholder Agreement), issued by the Issuing Bank, with the Program Manager as issuing sponsor and the Technology Provider providing the platform. The Cardholder Agreement is available at Blink Card Cardholder Agreement. By applying, the User authorizes: (a) credit underwriting, identity verification, and eligibility checks (including credit checks and review of financial information); (b) sharing of necessary information with the Issuing Bank, Program Manager, and Technology Provider; and (c) credit bureau reporting (including payment history, account status, balances owed, and any default or delinquency information) per applicable law and the Cardholder Agreement. The Blink Card currently operates in Funded Mode (prepaid); Credit Mode (a collateral-backed credit facility issued by the Issuing Bank) may be activated in the future per the Cardholder Agreement. The above authorizations apply to Funded Mode; separate consent will be requested for any additional authorizations required for Credit Mode. The Cardholder Agreement governs in any conflict with these Terms regarding card services.
3.3 Additional Partner Services. Additional Partner Services may be added, subject to their respective Partner Agreements.
4.1 Availability. The API provides programmatic access to the Services in Custodial Mode only; Non-Custodial Mode is not available via the API. US users are not eligible for API access. The API enables Users to send and receive Bitcoin and Stablesats, manage balances, and integrate Services into third-party applications. Documentation is available at dev.blink.sv.
4.2 API Credentials. Users must obtain authentication credentials (API keys, tokens, or OAuth2 credentials) and are solely responsible for their security. Any activity using a User’s credentials is deemed authorized. Compromised credentials must be reported immediately.
4.3 Permitted Use. The API may be used to build applications and integrations that interact with the Services, in compliance with these Terms, applicable law, and the API documentation. Users shall not: (a) use the API unlawfully or in violation of these Terms; (b) circumvent rate limits, authentication, or other technical restrictions; (c) reverse engineer or derive the API’s source code (except as permitted by open-source licenses); (d) damage, impair, or interfere with the Services or other Users’ access; (e) resell or redistribute API access as a standalone service without Blink’s prior written consent; (f) use the API to operate or provide a money services business, money transmission, payment processing, or similar financial service to third parties without Blink’s prior written approval and evidence of all required licenses in each jurisdiction of operation; (g) use the API to offer custodial wallet, payment facilitation, or transaction processing services to the User’s own end users in any jurisdiction where such Services are unavailable for regulatory or licensing reasons; or (h) fail to maintain all licenses, registrations, and authorizations required by law for the User’s use of the API and Services.
4.4 Rate Limits and Availability. Blink may impose rate limits, usage quotas, or other technical restrictions on API access at any time. The API is provided "as-is" and "as-available." Blink does not guarantee uninterrupted availability and is not liable for downtime or service degradation.
4.5 Third-Party Applications. Users integrating the API into third-party applications must ensure compliance with these Terms and applicable law, must not imply Blink endorsement without written authorization, and must provide their own terms and privacy policies to end users.
4.6 Open Source. Open-source components (Section 21) do not alter or expand API or Services rights.
4.7 Modifications and Deprecation. Blink may modify or deprecate any part of the API at any time with reasonable notice where practicable, and is not liable for costs or disruptions from API changes.
4.8 Applicability of General Terms. All other provisions of these Terms apply equally to API Users, including transactional limits, data protection, regulatory compliance, security, and prohibited activities.
Blink may establish transfer and receipt limits. Card transaction limits are set by the Issuing Bank and Program Manager per the Cardholder Agreement. Wallet transaction limits are subject to applicable legislation, risk policy, and Blink’s internal policies.
To the extent permitted by law, Blink is not liable for transaction failures, whether due to insufficient funds, User errors, service suspensions, connectivity issues, device defects, infrastructure failures, suspicious transactions, or other operational causes. Events beyond Blink’s control are addressed in Section 15 (Force Majeure).
Blink maintains a personal data protection policy grounded in respect for User rights, transparency, and compliance with applicable data protection regulations. Blink is the data controller for personal data obtained through the Wallet.
By accepting these Terms, the User authorizes Blink to collect, use, store, share, transfer (including internationally), and process personal data — including sensitive and biometric data for security purposes only — as described in the Blink Privacy Policy (which forms part of these Terms). This includes processing by Blink Technologies and sharing with Partners, service providers, and credit bureaus and financial institutions as necessary for the Services and Partner Services, in each case as described in the Blink Privacy Policy. Users may exercise their data rights at privacy@blink.sv.
This authorization may be revoked by emailing support@blink.sv; the User may also request access, rectification, cancellation, deletion, or opposition. Changes take effect 5 business days from the request and are not retroactive (in-progress transactions and investigations are unaffected). Revocation results in account deletion.
For complete details on data practices, including jurisdiction-specific rights, see the Blink Privacy Policy, which prevails over this Section in any conflict.
The Bitcoin Balance is the bitcoin a User holds in the Wallet, sent and received over the Lightning Network and on-chain, and operating differently in each mode.
7.1 Bitcoin Balance in Custodial Mode. In Custodial Mode, Blink holds the User’s bitcoin in the full-reserve, segregated custody structure of Section 12.1 and controls the keys; the Bitcoin Balance is recorded on Blink’s ledger against those reserves. Payments received at the User’s Lightning address, invoices, or on-chain addresses are credited once received or confirmed; payments arriving at an on-chain address after migration or closure are credited under the Claims Process (Section 19.5). Transactions are subject to Sections 5 and 11.
7.2 Bitcoin Balance in Non-Custodial Mode. In Non-Custodial Mode, the User holds bitcoin through the Non-Custodial Protocol under keys derived from their Backup Phrase. Blink has no custody, access, or control and cannot recover it (Section 12.3); the Backup Phrase is the only means of recovery (Section 13.3).
7.3 Risks. The User acknowledges and accepts that:
a) The value of bitcoin fluctuates and the User bears the market risk;
b) Transfers are final and irreversible (Section 2.4(d)); funds sent to an incorrect address or invoice cannot be recovered;
c) Network and protocol fees and confirmation times are set by the Bitcoin and Lightning networks, not Blink, and are shown before confirmation (Section 9.1); a Lightning payment that cannot be routed fails and funds remain with the sender; and
d) In Non-Custodial Mode, the risks in Sections 8.4(a), (c) and (e) apply to bitcoin in the same way as to stablecoins.
7.4 General. Holding bitcoin in self-custody on the Bitcoin base layer according to best practices is the only way to store value with no counterparty risk. All means of transacting and storing value through the Platform, including the Dollar Balance in either mode, involve some risk. Not all Dollar Balance modes are available in all jurisdictions or to all Users.
The Dollar Balance lets Users hold a USD-equivalent balance in the Wallet, operating differently in each mode.
8.1 Dollar Balance in Custodial Mode (Stablesats). In Custodial Mode, the Dollar Balance uses Stablesats — a hedging-based mechanism maintaining USD-equivalent value through positions on third-party platforms — providing a stablecoin-like experience without the expenses and complexities of stablecoins. Users may transfer between their Bitcoin Balance and Dollar Balance within the Wallet, subject to a spread.
8.2 Dollar Balance in Non-Custodial Mode (Stablecoins). In Non-Custodial Mode, the Dollar Balance holds actual stablecoin tokens on the Non-Custodial Protocol, controlled by the User’s own keys; Blink has no custody of or access to those tokens. The stablecoin currently supported is USDB, issued by Brale, Inc.; supported stablecoins may change as determined by Blink and the Non-Custodial Protocol. Stablecoins are issued by third parties and remain subject to issuer-level token controls (Section 8.4(b)) even when held under the User’s own keys.
8.3 Risks — Custodial Mode (Stablesats). The Dollar Balance in Custodial Mode relies on third-party platforms for hedging. The User accepts the following risks:
a) Negative events on the exchange (including insolvency, regulatory action, technical failure, or market disruption) may render collateral Bitcoin unrecoverable, and Dollar Balance funds may be lost in whole or in part or become subject to legal proceedings;
b) Blink and Blink Technologies monitor and assess risks to reduce them, but cannot guarantee the safety of Dollar Balance funds;
c) Blink is not responsible for the performance of third-party exchange providers, custody of hedging balances, refunds or payments, fees or taxes, or changes to associated security protocols; and
d) Blink and its third-party providers may limit or restrict Dollar Balance use upon detecting operations outside their parameters, without responsibility for any resulting failure or loss.
8.4 Risks — Non-Custodial Mode (Stablecoins). The Dollar Balance in Non-Custodial Mode relies on the Non-Custodial Protocol and third-party stablecoin issuers. The User accepts the following risks:
a) The User is solely responsible for securing their Backup Phrase and keys; if lost, stolen, or destroyed, Blink cannot recover the funds under any circumstances;
b) The value, redeemability, and transferability of stablecoins depend on the issuer and underlying reserves. The issuer may unilaterally exercise token-level controls independent of Blink and the User’s keys, including (i) denylisting an address (preventing it from sending or receiving the stablecoin), (ii) freezing the stablecoin (rendering it non-transferable), and (iii) clawback (removing the stablecoin from an address), leaving the User unable to transfer, redeem, or dispose of affected stablecoins despite retaining their keys. The User’s control over stablecoins is accordingly qualified in a way that control over bitcoin is not. Blink conducts due diligence in selecting stablecoins but does not control, and is not responsible for, issuer-level controls, and does not guarantee any issuer’s solvency, reserves, or regulatory status, which may change after selection;
c) The Non-Custodial Protocol is third-party technology Blink does not control. Although designed so no single operator can unilaterally access User funds, risks remain, including protocol vulnerabilities, operator collusion, or network disruptions;
d) Stablecoin availability and functionality on the Non-Custodial Protocol may change due to protocol upgrades, regulatory developments, or issuer decisions; and
e) Blink is not responsible for loss of funds resulting from the User’s failure to secure their Backup Phrase, protocol vulnerabilities, issuer failures, or any other circumstance arising from the non-custodial nature of the service.
9.1 Usage fees. Blink’s fees are those stated in the Wallet Fee Schedule in the Blink App at the time of the transaction. Network and protocol fees are shown before confirmation and are not Blink fees.
9.2 Custodial Balance Inactivity Fee. Blink charges the monthly Inactivity Fee stated in the Wallet Fee Schedule on each Custodial Balance (the Bitcoin Balance and the Dollar Balance in Custodial Mode, separately) of an account that has had no User-Initiated Activity for twelve (12) consecutive calendar months. "User-Initiated Activity" means logging in to the Wallet, opening the Wallet on a logged-in device (including where access is restricted after the Final Deadline), authenticating via the API, sending or receiving a payment, or transferring between balances; Blink-initiated entries do not count. The fee is assessed on the last day of each month, is debited from the balance it relates to (on the Bitcoin Balance at the rate applicable to User-initiated transfers under Section 8.1), never exceeds that balance, and is not charged on a zero balance.
No Inactivity Fee is charged during any Blink-imposed access restriction other than after the Final Deadline; on a balance in a Claims Process (Section 19.5) or assisted recovery (Section 13.5); where not permitted by the law applicable to the User; or for a deceased User once Blink is notified.
Any User-Initiated Activity ends the fee, with no reactivation charge. Any Inactivity Fee is refunded in full to the balance it was debited from on request to support@blink.sv, without reason or evidence, including after the balance reached zero or the account closed; a residual balance recovered under Section 19.5 is recovered with any Inactivity Fee refunded.
Blink will maintain strict confidentiality of User information, disclosing it only pursuant to court orders or competent authority requirements under applicable law, and using it only for purposes established in these Terms.
Blink’s AML/CFT program adheres to applicable legislation and Financial Action Task Force standards.
Blink will comply with requirements of any competent authority, which may impose additional requirements beyond these Terms. Such requirements must be met to establish or continue providing the Services. Compliance with personal data requirements made by competent authority shall at all times be subject to the Privacy Policy and applicable law.
If AML/CFT non-compliance is suspected, Blink may conduct reviews and audits, request information, report activity to authorities, and take any action contemplated in these Terms or applicable law, including suspension of the Wallet, Blink Card, or access.
For Blink El Salvador, S.A. de C.V. Users: Blink may request additional information to determine or corroborate the User’s transactional profile and the origin and destination of funds; failure to provide requested information may result in suspension or termination. Resources must come from and may be reintegrated into deposit accounts at authorized financial institutions per applicable regulations; otherwise, upon legal resolution, the User waives all Wallet funds as determined by competent authorities. Blink will establish standardized APIs for data sharing with the financial institution and specialised information technology providers, including to identify Users, per applicable regulations.
Sanctions-based access controls. Blink maintains controls to comply with applicable sanctions programs and its own sanctions policy. The User accepts that:
a) Access to hosted Services is assessed on each connection to them, based on the live connection’s location, resolved to country level from the IP address at the start of the session or request. In Incognito Mode no location is determined or stored for feature availability; the assessment applies only to requests the Wallet makes to hosted Services. This operates independently of, and in addition to, the jurisdiction attributed to the User’s account: sanctions controls follow the live connection regardless of verified phone country, residence or incorporation documentation, or selected mode, including while travelling.
b) If a session resolves to a jurisdiction subject to comprehensive sanctions or otherwise restricted under Blink’s sanctions policy, Blink blocks access for that session and displays a restriction notice. In Custodial Mode, account access is blocked (last-known balance may be shown for information only). In Non-Custodial Mode, hosted features are blocked while local wallet functions — keys, signing, and locally stored balance information — remain available, consistent with Section 12.3.
c) Blocking releases automatically when a later session connects from an unrestricted location; no restriction persists by reason of the blocking alone. Blink records the country-level determination and its provenance, not raw IP addresses, handled per the Blink Privacy Policy.
d) Blink may also decline to make the Wallet, account creation, or particular features available in, or to connections from, restricted jurisdictions, including through app-store availability and download restrictions.
e) These measures are compliance measures required or considered necessary under applicable law and policy. Blink is not liable for any inability to access hosted Services or transact during a blocked session, and such measures do not breach these Terms.
12.1 Custodial Mode — Bitcoin. In Custodial Mode, the Wallet operates as a full reserve wallet: Blink, through Blink Technologies as custodial and infrastructure provider, maintains bitcoin reserves intended to equal or exceed customer Bitcoin Balances and remains able to allow 100% of customer funds to be withdrawn at any time, subject to reasonable processing times and these Terms (including transaction limits and legal compliance).
Important Custody Disclosure: Your contracting Blink entity is responsible for custody of customer Bitcoin in Custodial Mode and has delegated physical custody operations to Blink Technologies, LLC, which holds customer Bitcoin as agent and sub-custodian under that entity’s ongoing supervision. Customer Bitcoin is held in segregated custody, separate from Blink Technologies’ own assets, and is contractually excluded from Blink Technologies’ estate in its insolvency. Legal and beneficial ownership remains with the customer at all times, but in an insolvency scenario the treatment of custodied assets may be subject to legal proceedings in the applicable jurisdiction(s).
Customer Bitcoin Balances are customer property, not assets of Blink or Blink Technologies. Neither uses customer bitcoin to fund operations or rehypothecates it. Most bitcoin is held in geographically distributed multisig custody; some is held in a hot wallet to process payments.
12.2 Custodial Mode — Dollar Balance. Bitcoin held in customers’ Dollar Balances in Custodial Mode is customer property, not Blink’s, and is not used to fund Blink’s operations. To provide the Dollar Balance, a portion of Dollar Balance funds may be transferred to a third-party platform for hedging and is therefore not held in Blink’s custody (Section 8). Dollar Balances rely on exchange partners and carry higher counterparty risk; if exchange service is denied or disrupted, Blink may have to limit withdrawals from Dollar Balances.
12.3 Non-Custodial Mode. In Non-Custodial Mode, the User holds Bitcoin and stablecoins directly through the Non-Custodial Protocol, secured by keys derived from their Backup Phrase; Blink has no custody, access, or control. Ownership and control of bitcoin rest entirely with the User; ownership of stablecoins rests with the User subject to issuer-level token controls (Section 8.4(b)), which operate independently of the User’s keys and of Blink. Blink has no technical ability to freeze, seize, transfer, or recover non-custodial funds, even at the User’s request. If the User loses their Backup Phrase and all backups, the funds are permanently and irreversibly lost.
12.4 Blink Card. The Card Balance (defined in the Cardholder Agreement) is the dedicated balance within the User’s Wallet, denominated in BTC or USD as selected. Funding and settlement, custody in each mode, Collateral arrangements (when Credit Mode is active), and amounts owed to the Issuing Bank are governed by the Cardholder Agreement (Sections 3–4).
13.1 General Security Responsibilities. The User is responsible for safeguarding all access credentials (signatures, private keys, Backup Phrases, passwords, etc.) for the Wallet and Partner Services. Blink is not responsible for consequences arising from the User’s failure to safeguard these, including loss of funds or information.
13.2 Account Security. The User must create a password of at least eight characters including alphanumeric and special characters. Blink will also assign a PIN for approval of transactions. Blink is not liable for misuse of authentication methods, phishing, identity theft, cyberattacks, or other attacks targeting the User, nor for third-party acts affecting the Wallet or internet infrastructure.
13.3 Non-Custodial Mode — Backup Phrase and Key Management. Users in Non-Custodial Mode bear sole responsibility for securing their Backup Phrase and keys. The User acknowledges that:
a) The Backup Phrase is the only means of recovering non-custodial funds. Blink does not store or have access to any copy of it or the User’s private keys;
b) The User must securely store their Backup Phrase using one or more methods offered in the Wallet: (i) manual recording on paper or other physical medium, (ii) iCloud backup (iOS), (iii) Google account backup (Android), or (iv) a password manager, and is solely responsible for the security of the chosen method(s);
c) If the Backup Phrase and all backups are lost, compromised, or inaccessible, non-custodial funds are permanently and irreversibly lost; Blink cannot recover, reset, or restore access under any circumstances;
d) The User must not share their Backup Phrase with anyone. Blink will never ask for it by any means; and
e) Blink is not liable for loss of funds resulting from failure to secure the Backup Phrase, compromise of the backup method, or unauthorized third-party access to the Backup Phrase.
13.4 Custodial Mode — Account Protection. To safeguard an account that Blink has reason to believe is compromised by an unauthorized third party, or where any act limits, restricts, or prevents any person on equal terms from contracting products or services in compliance with Blink’s requirements, Blink may temporarily restrict access to the Wallet, sending the User an in-Wallet alert so they can provide clarification. This applies only to Custodial Mode; Blink cannot restrict funds in Non-Custodial Mode (though a stablecoin issuer may exercise the token-level controls in Section 8.4(b) independently of Blink).
13.5 Password Recovery; Assisted Account Recovery (Release-Only). Password recovery is carried out only through the steps established by Blink under the highest security standards, and may be initiated only by the User, never by Blink. Blink will never ask Users by mail, email, or telephone to reveal their credentials or passwords. Password recovery restores access to the Blink account; it does not restore access to Non-Custodial Mode funds, which require the Backup Phrase.
Where a Custodial Mode User can no longer authenticate through the standard login flow, assisted recovery is available exclusively as a release of funds: a transfer of the custodial balance to a verified receiving account the User controls (which Blink may require to be identity-verified), followed by closure of the original account. Blink does not restore login access or reassign phone numbers or other credentials, at any balance and regardless of verification outcome. Recovery is subject to verification of the claimant’s ownership, proportionate to the balance at risk, and to Blink’s account recovery procedures, including any minimum-balance thresholds communicated at the time of the request. Balances below such a threshold are not forfeited: they remain the User’s property and are recoverable through self-service (where a live session or still-controlled registered credential exists) and through the Claims Process (Section 19.5) after the Final Deadline. On completion of a release, the original account is closed and its username / Lightning address is retired and not reassigned. Requests for transaction records or other account data are handled under the Blink Privacy Policy (privacy@blink.sv) and applicable law, not by granting login access. Inactivity Fees charged before a release are refundable under Section 9.2.
13.6 General Precautions. The User must not share their identification data, credentials, or access keys with third parties and must enter them only at the secure, certified address. Access to Blink’s official site is the User’s responsibility; Blink is not responsible for the security of the connection used.
The User must notify Blink, by creating a support ticket, if they believe their Wallet or credentials may be compromised or a third party is acting on their behalf, and must take all measures requested by Blink and follow its procedures to regain control of the account, under penalty of losing it definitively.
The Wallet or Services may be temporarily interrupted due to technological factors, maintenance, or other causes. To the extent permitted by law, Blink is not liable for resulting damages. Blink maintains contingency processes for service continuity; this Section applies equally to interruptions attributable to technology providers.
Blink will communicate steps to follow during such events and reserves the right to reverse operations resulting from interruptions or failures. Operations will be reviewed case by case and affected Users will be notified by email.
Blink is not liable for any failure or delay caused by circumstances beyond its reasonable control, including but not limited to: fortuitous events, force majeure, acts of war or hostility, rebellion, insurrection, revolution, confiscation, nationalization, destruction or requisition arising from any act of de facto authority or civil or military law, acts of terrorism, subversion or guerrilla activity, strikes, civil unrest, confinement orders, pandemics, epidemics, natural disasters, failure of third-party infrastructure or telecommunications providers, or government sanctions.
During force majeure, affected obligations are suspended. Blink will use commercially reasonable efforts to mitigate effects, resume performance promptly, and notify Users of material disruptions.
By using the Services and Partner Services, the User agrees not to:
a) Use the Blink Card for illegal gambling, money laundering, or cryptocurrency purchases except through authorized Blink services;
b) Engage in manufactured spending or other activities designed to artificially generate rewards or circumvent credit limits;
c) Open or attempt to open more than one active Blink Account or Blink Card account at any time;
d) Attempt unauthorized access to any other User’s account or Blink Card; upload malicious code; or damage, disable, overburden, tamper with, or compromise the Services, the Platform, or related systems;
e) Reverse engineer or derive the source code of the Services, Partner Services, Wallet, API, or Website (except as permitted by open-source licenses);
f) Provide Blink or its Partners with any false, inaccurate, or misleading information;
g) Intercept, monitor, damage, or modify communications not intended for the User; harvest data from the Services or Partner Services; or attempt to decipher transmissions to or from the servers running the Services or Partner Services;
h) Sell, rent, lease, distribute, market, or use the Services or Partner Services for any unauthorized commercial purpose;
i) Remove, obscure, or alter any proprietary rights notices in the Services, Partner Services, Platform, or Website;
j) Infringe the intellectual property rights of Blink, Blink Technologies, the Partners, or any third party; or
k) Transmit defamatory, offensive, or otherwise objectionable communications in connection with the Services or Partner Services.
l) Use the Services to operate, directly or indirectly, an unlicensed money services business, money transmission service, payment processing platform, or custodial wallet service for third-party end users in any jurisdiction where the User lacks required licenses or where such Services are unavailable for regulatory reasons.
Blink may, in its sole discretion and without prior notice, suspend the Services and/or Partner Services (in whole or in part) and/or terminate these Terms if it determines the User is in breach of this Section, without limiting its other rights under these Terms, the Partner Agreements, or applicable law.
IMPORTANT — PLEASE READ CAREFULLY. THIS SECTION REQUIRES MOST DISPUTES TO BE RESOLVED BY BINDING ARBITRATION AND WAIVES THE RIGHT TO PARTICIPATE IN A CLASS ACTION.
Any claim or dispute between the User and Blink (including its affiliates, successors, and assignees, and Blink Technologies as technology service provider) arising out of or relating to these Terms, the Wallet, the Services, the API, or their use shall be resolved by final binding arbitration under this Section, except for matters that may be brought in small claims court and except where mandatory arbitration of consumer disputes is prohibited by the law applicable to the User. Card-specific disputes are governed by the Cardholder Agreement’s dispute resolution and arbitration provisions, which control in any conflict.
Arbitration is conducted before a single neutral arbitrator. Forum, rules, and seat depend on the contracting entity:
a) Blink El Salvador, S.A. de C.V.: San Salvador, El Salvador, under Salvadoran law and the rules of an arbitration provider agreed by the parties or, failing agreement, designated by the competent authority under Salvadoran law;
b) Blink US LLC: Cheyenne, Wyoming (or another mutually agreed location), administered by a recognized provider (such as the AAA or JAMS) under its rules, governed by Wyoming law and the Federal Arbitration Act; and
c) Blink LLC: Próspera ZEDE, Roatán, Bay Islands, Honduras, under Próspera ZEDE law and the rules of an arbitration provider designated by Blink under Próspera ZEDE law.
Class Action Waiver. Arbitration shall be conducted individually only, not as a class, collective, consolidated, or representative action. To the fullest extent permitted by law, the User waives the right to participate as a plaintiff or class member in any such proceeding against Blink. The arbitrator may not consolidate claims of multiple parties or preside over any class or representative proceeding.
Survival. This Section survives termination of these Terms and any transfer or assignment of the User’s account, the Blink Card, or related obligations.
Lost or Stolen Card, Mobile Phone, and Fraudulent Use. If the Blink Card or the mobile phone containing the Wallet is lost or stolen, or unauthorized account access is suspected, the User must contact Blink Customer Support immediately so the card and account can be suspended. Card fraud protections (including liability limits for promptly reported unauthorized charges) are detailed in the Cardholder Agreement. The User is responsible for securing the Blink Card and the device on which the Wallet is installed.
Billing Errors and Disputes. For wallet services, except as provided by applicable law, all transactions are final; if the User believes Blink has charged them in error, they must submit a written request to Blink Customer Support within 90 days of the charge. For Blink Card transactions, the User may dispute transactions as provided in the Cardholder Agreement and applicable law, and Blink will investigate and respond per applicable regulatory timelines and the Cardholder Agreement. For US users, rights under Regulation E of the Electronic Fund Transfer Act and equivalent protections are preserved and not limited by these Terms. The 90-day period does not apply to Inactivity Fee refunds under Section 9.2.
Complaints. Complaints about the User’s Blink account, the Blink Card, the Services, or Partner Services may be sent to support@blink.sv. Regulatory complaint pathways are listed in Section 23.
User Breach and Blink’s Remedies. A User breaches these Terms by engaging in conduct that violates these Terms, the Partner Agreements, or applicable law, including failure to make Blink Card payments when required (including, once Credit Mode is active, any amount owed under the Cardholder Agreement). Upon breach, Blink may, in its sole discretion: (a) suspend or close the User’s Blink account and/or Blink Card; (b) report delinquencies and other negative information to consumer credit reporting agencies per the Cardholder Agreement and applicable law (including when Credit Mode is active); and (c) take any other action Blink deems necessary to protect itself, its Partners, and other Users. Blink may terminate these Terms (i.e., cancel the User’s account, Blink Card, and Services) at any time with notice as required by applicable law.
Closing the User’s Account. The User may close their Blink account at any time by contacting support@blink.sv. Closure procedures depend on the products and modes used:
a) Custodial Mode: the custodial balance must be reduced to zero before closure;
b) Non-Custodial Mode: the User is solely responsible for retaining their Backup Phrase before closing; once closed, Blink cannot recover, restore, or assist with access to non-custodial funds under any circumstances; and
c) Blink Card: any outstanding balance must be paid in full before closure. Upon activation of Credit Mode, credit obligations must likewise be satisfied before closure or will continue to be owed under the Cardholder Agreement.
Inactive zero-balance closure. Blink may close an account where, for twelve consecutive calendar months, each Custodial Balance and the Card Balance have been zero, nothing is owed under the Cardholder Agreement, and there has been no User-Initiated Activity (Section 9.2). Blink gives at least 30 days’ notice through the Wallet; any User-Initiated Activity before the closure date ends the closure. On closure the username / Lightning address is retired and not reassigned, and records are retained as required by law. Closure does not affect Non-Custodial Mode funds, refunds under Section 9.2, or claims under Section 19.5.
Where Blink discontinues Services in the User’s jurisdiction, Section 19 governs the applicable dates, exit paths, and treatment and recovery of remaining balances.
Effects of Termination. Upon termination of the User’s account, all rights under these Terms and any Partner Agreement cease immediately. Blink Card and credit obligations under the Cardholder Agreement survive until paid in full, and Section 17 survives termination. Blink is not liable to the User or any third party for termination of the account, the Services, or any Partner Services.
19.1 Discontinuation. Blink may restrict, suspend, or discontinue any Services, features, or modes in any jurisdiction where it determines continued provision is not permitted, not feasible, or not appropriate under applicable legal and regulatory requirements or operational considerations. Where existing Users are affected, Blink will give notice through the Wallet (which may include a persistent in-app notice and/or push notification) stating the applicable dates.
19.2 Dates. The dates applicable to a User are those stated in the notices and persistent in-app surfaces displayed to that User. Where different dates have been communicated, the latest governs. Deadlines will not be moved earlier; they may be extended, in which case the extended date governs.
19.3 Wind-down of features. During a discontinuation period, Blink may restrict features progressively — for example, disabling transfers between balances, disabling receipt of incoming payments from a stated cutoff date (in Non-Custodial Mode, by disabling the Platform’s receiving interfaces, including generation of new receiving addresses and payment requests), and restricting account access after the Final Deadline — provided the User’s ability to withdraw or otherwise exit their funds remains available at all times up to the Final Deadline. Depending on jurisdiction and mode, exit paths may include migration to Non-Custodial Mode (where available) and withdrawal to an external wallet or address. Blink is not required to continue any exit path where doing so is not permitted by applicable law.
19.4 Residual balances remain the User's property. Discontinuation does not affect ownership of customer funds. Custodial balances remaining after the Final Deadline continue to be held for the User under Section 12 (including its full-reserve and segregation commitments) and do not become Blink’s assets; no fee is charged against a residual balance by reason of the discontinuation itself. Section 9.2 applies to a residual balance; any Inactivity Fee charged is refunded on recovery under Section 19.5. Non-Custodial Mode funds are unaffected and remain under the User’s own keys (subject, for stablecoins, to Section 8.4(b)).
19.5 Claims Process. After the Final Deadline, a User with a remaining custodial balance may recover it through Blink’s claims process (the "Claims Process") by contacting support@blink.sv. Recovery is subject to verification of the claimant’s entitlement, applicable legal and regulatory requirements (including AML/CFT and sanctions screening), and reasonable processing times. For accounts opened without identity verification, entitlement may be established by possession and control of the account credential or registered device, with additional proportionate verification above thresholds Blink sets for fraud prevention. Blink may specify the form and channel of payout in light of the requirements of the User’s jurisdiction. Recovery is effected as a payment or release of funds to the verified claimant and, consistent with Section 13.5, does not restore access to the original account. The minimum-balance thresholds of Section 13.5 do not apply to the Claims Process.
19.6 Changes to Supported Assets. Blink determines, in its discretion and in light of regulatory requirements, which digital assets (each a "Supported Asset") are supported, in which jurisdictions, and in which modes, and may cease supporting an asset in one or more jurisdictions or globally at any time (a "Support Withdrawal"). Where Blink effects a Support Withdrawal for a stablecoin held in Non-Custodial Mode:
a) Sequenced withdrawal. Blink will generally proceed in stages: first disabling new acquisition of the asset through the Platform (existing holdings remain visible and disposals available); then providing an exit window of no less than 30 days, with in-app notice of exit options, which may include in-app transfer to the User’s Bitcoin Balance (where available), sending the asset to another compatible wallet, and redemption directly with the issuer subject to its terms; then disabling in-app transfer to the Bitcoin Balance; and finally removing the asset’s balance display and remaining functionality. Blink may also disable the Platform’s receiving interfaces for the asset — including generation of new receiving addresses and payment requests — from a date stated in the notice. Amounts sent to receiving addresses generated or shared before such disablement may nevertheless settle to the User on the Non-Custodial Protocol outside Blink’s control, and after removal of support will not be displayed in or manageable through the Wallet.
b) Effect of completion. Upon completion, the asset ceases to be a Supported Asset in the affected jurisdiction(s). Users who have not disposed of the asset retain it on the Non-Custodial Protocol under their own keys, but Blink no longer displays it or facilitates transactions in it; the User’s ability to deal with the asset depends on third-party wallets and tools, the Non-Custodial Protocol, and the issuer (including the controls in Section 8.4(b)). Retaining a stablecoin after a Support Withdrawal is not equivalent to holding bitcoin in self-custody.
c) No forced disposal. Blink will not transfer, redeem, or otherwise dispose of a User’s non-custodial holdings on the User’s behalf in connection with a Support Withdrawal; any transfer or disposal must be initiated by the User.
d) Interaction with service discontinuation. Where a Support Withdrawal occurs in connection with a discontinuation under Section 19, the timelines in the Section 19 notice govern, provided the exit window in paragraph (a) is not shortened.
19.7 Discontinuation of the Dollar Balance; Required-Action Screens.
a) Discontinuation. Blink may discontinue the Dollar Balance, in either or both modes, in any jurisdiction or globally, where it determines discontinuation is required or appropriate under regulatory requirements or operational considerations. In Custodial Mode, discontinuation takes effect through transfer of the User’s Dollar Balance to their Bitcoin Balance: because the custodial Dollar Balance is a USD-equivalent value maintained through hedging (Section 8.1), on transfer the User’s value is displayed and settled as its bitcoin equivalent at the then-applicable rate, after which the Dollar Balance is no longer available. In Non-Custodial Mode, discontinuation is effected as a Support Withdrawal under Section 19.6. Where a Custodial Mode User has not completed the transfer by the Final Deadline, Blink may complete the transfer of the remaining Dollar Balance to the Bitcoin Balance on or after that deadline, at the then-applicable rate determined as for User-initiated transfers and recorded per account. This consequence and deadline will be stated in the User’s notices, subject to Section 19.2; Blink will not complete a transfer under this paragraph for any User whose notices did not state this consequence. The underlying value is at all times bitcoin: completion ends the USD-equivalent display and settlement, and Blink unwinds its associated hedge. The resulting balance remains held for the User under Section 12 and, after the Final Deadline, may be recovered through the Claims Process (Section 19.5).
b) Required-action screens. Where the Dollar Balance is being discontinued for a User who holds a Dollar Balance, Blink may display a screen on opening the Wallet or accessing an affected feature requiring the User to address their Dollar Balance before using other features. The screen shows the Dollar Balance and its bitcoin equivalent and offers transfer to the Bitcoin Balance — in Custodial Mode, the transfer in paragraph (a), confirmed by the User; in Non-Custodial Mode, an in-app transfer of the stablecoin balance initiated by the User. In Non-Custodial Mode, the screen does not withdraw the other exit options under Section 19.6(a) (self-transfer to another compatible wallet; redemption with the issuer), and completing any exit option — or reducing the balance to zero by any means — satisfies the requirement.
c) Effect on funds. A required-action screen restricts access to Wallet features pending the User’s action; it does not restrict funds. Custodial balances remain held under Section 12 while the screen is displayed, and Non-Custodial Mode funds remain under the User’s own keys at all times.
19.8 Relationship to other provisions. This Section 19 applies in addition to, and does not limit, Blink’s rights under Sections 16 and 18 and the Applicable Terms section. Card services and other Partner Services are governed by their Partner Agreements, including their own termination and wind-down provisions. This Section and the User’s rights to residual balances under it survive termination of these Terms.
If any provision is declared illegal, void, or unenforceable, the remaining provisions remain in effect. These Terms, together with the documents in Section 24, constitute the entire agreement between the parties.
All technology underlying the Platform and Services, including software, systems, APIs, and associated IP, is owned by Blink Technologies and/or its licensors. Blink operates the Platform under a license from Blink Technologies. All IP rights in the technology — including inventions, algorithms, code, and any other works authored by or derived from the Platform — are the property of Blink Technologies and/or its licensors.
The Platform contains open-source software components distributed under their respective licenses. By using the Platform, you agree to abide by all applicable open-source license terms, which are provided "as-is" without warranties of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose.
The Blink brand, trademarks, logos, and trade names are property of Blink Technologies, licensed to the Blink entities. All site materials and data are confidential IP of Blink Technologies and/or its affiliates, protected by copyright laws.
Use, creation, or imitation of brand logos within the Website and Wallet is prohibited, as is deeplinking and framing. Non-compliance constitutes an IP violation.
Disputes are subject to the applicable governing law determined by the User’s contracting entity (El Salvador for Blink El Salvador; Wyoming for Blink US LLC; Próspera ZEDE for Blink LLC).
Before any administrative or judicial action, the parties will attempt direct resolution. Claims may be submitted through:
Email: support@blink.sv
Blink will provide a detailed response on the resolution of the claim within 3 business days counted from the day following the notification.
For Users of Blink El Salvador, S.A. de C.V.: subject to Section 17 and only for matters not subject to arbitration, both parties submit to the jurisdiction and tribunals of the Republic of El Salvador, and to the domicile and special jurisdiction of San Salvador, expressly waiving any other jurisdiction that may correspond to them by reason of present or future domicile or otherwise.
For Users of Blink US LLC: subject to Section 17 and only for matters not subject to arbitration, both parties submit to the jurisdiction and courts of the State of Wyoming under Wyoming law, each expressly waiving any other jurisdiction that may correspond to them by reason of present or future domicile or otherwise.
For Users of Blink LLC: subject to Section 17 and only for matters not subject to arbitration, both parties submit to the jurisdiction and courts of Próspera ZEDE, Roatán, Bay Islands, Honduras, under Próspera ZEDE law, each expressly waiving any other jurisdiction that may correspond to them by reason of present or future domicile or otherwise.
Card-specific disputes follow the Cardholder Agreement’s procedures, including regulatory dispute resolution timelines and its arbitration and governing law provisions. Blink LLC is licensed and regulated solely by the RFSA under Próspera ZEDE law and holds no authorizations in any other jurisdiction. Users outside Próspera ZEDE access the Services on their own initiative and are responsible for determining whether their use complies with the laws of their jurisdiction of residence. Nothing in these Terms deprives any User of mandatory consumer protection rights under the laws of their country of residence.
For Users whose contracting entity is Blink El Salvador, S.A. de C.V.
For complaints not resolved by Blink El Salvador, the User may contact the User Service Office of the Superintendency of the Financial System of El Salvador through:
Portal: https://ssf.gob.sv/atencion-al-publico/
Phone and WhatsApp SSF: 2699-9999
Correo SSF: atencionalusuario@ssf.gob.sv
Address: Avenida Albert Einstein, Urbanización Lomas de San Francisco, No. 17, Distrito de Antiguo Cuscatlán,
Municipio de La Libertad Este, Departamento de La Libertad.
Horario de atención: de lunes a viernes de 8:30 a.m. a 4:30 p.m. Sin cerrar al mediodía.
For Users whose contracting entity is Blink US LLC
Blink US LLC holds no financial services licenses in its own name; card services are provided under the licensing of the Issuing Bank and Program Manager. For card-related regulatory complaints, US users may contact:
Consumer Financial Protection Bureau (CFPB): www.consumerfinance.gov
Wyoming Division of Banking: wyomingbankingdivision.wyo.gov
For Users whose contracting entity is Blink LLC
The User may contact the Roatán Financial Services Authority (RFSA) through the following channels:
Website: www.rfsa.hn
Email: gsp@prospera.hn
Phone: +504 92216815
Address: Beta Building, Beta District, Próspera ZEDE, Roatán, Bay Islands, Republic of Honduras
For general support inquiries, contact Blink support at support@blink.sv. For data protection inquiries, contact privacy@blink.sv. For card disputes and chargebacks, contact disputes@blink.sv.
The following documents form part of these Terms and Conditions. Please review them carefully:
By using the Services, including Partner Services such as the Blink Card, you acknowledge that you have read, understood, and agree to these Terms and all related documents linked above.
