Cash App added three new sections to its Terms of Service describing stablecoin and bitcoin conversion features. The updated terms establish that users can convert USD to stablecoins for withdrawal to external blockchain addresses, deposit stablecoins to convert back to USD, and automatically convert incoming peer-to-peer payments to bitcoin. The terms clarify that users never own or hold the stablecoins themselves, Cash App retains title, and users bear full responsibility for providing correct blockchain addresses, with no recovery available for funds sent to wrong or incompatible addresses.
Consumers: You are solely responsible for checking that you are sending stablecoins to the correct address and compatible blockchain network; if you make a mistake, your funds are permanently lost and Cash App cannot recover them.
Consumers: If you turn on automatic bitcoin conversion, Cash App will automatically buy bitcoin with a portion of money you receive from friends, at the conversion rate at the time the payment arrives.
Consumers: Stablecoin deposits take time to process and must use only supported stablecoins and networks, or the funds may be lost.
The updated terms introduce three new cryptocurrency-related features to Cash App: stablecoin withdrawals (converting USD to stablecoins sent to external addresses), stablecoin deposits (converting incoming stablecoins to USD), and automatic P2P bitcoin conversions. The terms explicitly state that users never own or hold stablecoins; Cash App retains title and ownership at all times. Critically, the terms place full responsibility on users to provide accurate blockchain addresses and compatible networks, with explicit warnings that sending to incorrect or incompatible addresses results in permanent, irreversible loss of funds that Cash App cannot recover. You can enable or disable these features at any time, but once a conversion is initiated on the blockchain, it cannot be reversed.
→ Review the stablecoin withdrawal and deposit sections if you plan to use these features, paying particular attention to the warnings about blockchain address accuracy and permanent loss of funds.
→ If enabling P2P Bitcoin Conversions, verify the pre-selected conversion percentage and confirm you can disable or adjust it at any time.
ConductAtlas has recorded 2 material changes to this document over 42 days of monitoring (since April 2026). An additional minor or cosmetic changes were excluded.
Cash App retains title and ownership of all stablecoins used in transactions; users never acquire ownership or custody.
Users are solely responsible for providing accurate withdrawal instructions and compatible blockchain addresses; Cash App cannot recover funds sent to incorrect or incompatible addresses.
Users can enable automatic conversion of a pre-selected percentage of incoming peer-to-peer payments to bitcoin at the conversion rate at time of payment.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
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Cash App has added formal terms governing three new cryptocurrency conversion services: stablecoin withdrawals, stablecoin deposits with automatic USD conversion, and automatic P2P-to-bitcoin conversion. The terms clarify that Cash App retains ownership and custody of …
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Unlock the full institutional analysis — InsightConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-X-002113.
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