Cash App added a new feature allowing users to receive bitcoin payments over the Lightning Network and have them automatically converted to USD and credited to their Cash App Balance. The updated terms authorize Cash App to receive inbound bitcoin on the user's behalf, convert it to USD at the applicable rate, deduct fees, and credit the resulting amount. Users are notified that the USD amount may vary based on market factors, the feature may not be available in all jurisdictions or for all transfers, and once initiated, the conversion may not be reversible.
The updated terms establish a new feature allowing users to receive bitcoin payments over the Lightning Network with automatic conversion to USD. Under the revised terms, Cash App is authorized to receive inbound bitcoin on the user's behalf, convert it to USD at the applicable Conversion Rate, deduct applicable fees, and credit the resulting USD to the user's Cash App Balance. The terms state that the USD amount credited may vary based on market factors including the bitcoin price at the time of receipt or conversion, the feature may not be available in all jurisdictions or for all transfers, and once a Lightning USD Deposit is initiated or received, the user may be unable to cancel or reverse the automatic conversion. You can review the feature's availability and terms before enabling it, and should understand that market volatility may affect the final USD amount received.
→ Review the feature's availability in your jurisdiction before enabling Lightning USD Deposits
→ Understand that the USD amount credited will vary based on bitcoin market price at the time of conversion
→ Be aware that once a Lightning USD Deposit is initiated, you may not be able to cancel or reverse the automatic conversion
ConductAtlas has recorded 9 material changes to this document over 169 days of monitoring (since April 2026). An additional minor or cosmetic changes were excluded.
Across all monitored documents, Cash App has made 10 significant changes.
3 of Cash App's significant changes have been classified as negative for consumers.
Authorizes Cash App to receive bitcoin on user's behalf, convert to USD at applicable rate, deduct fees, and credit balance automatically
USD amount credited may vary based on bitcoin price at time of receipt or conversion
Once a Lightning USD Deposit is initiated or received, user may be unable to cancel or reverse the automatic conversion
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
Wording edits to this record that do not change what it claims. Changes to a claim are published as corrections.
Cash App has added a new feature enabling automatic Bitcoin-to-USD conversion via the Lightning Network. The terms authorize Cash App to act as the user's agent in receiving bitcoin, converting it to USD, and crediting …
Regulatory exposure, obligation change, escalation trigger, board-ready language, and recommended action for legal and compliance teams.
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-005173.
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