This analysis describes what Cash App's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Because Cash App disclaims advisory status for its AI features, users cannot treat AI-generated output as professional financial, investment, legal, or tax guidance.
Interpretive note: The excerpt contains a second independent proposition — that the user remains responsible for reviewing and confirming all actions before execution — which was omitted from the canonical claim and recorded in omitted_material.
The updated terms introduce a new Bitcoin Auto-Withdrawal feature that lets users authorize recurring, automated transfers of bitcoin from their Cash App balance to an external wallet on a schedule they choose. The terms state that these transfers operate subject to the same daily and rolling transfer limits, identity verification, and compliance screening as manual withdrawals, and are irreversible once broadcast to the blockchain. The revised language also establishes that funds from external sources will be subject to withdrawal restrictions for a minimum of 7 days and as long as 60 days, replacing the prior language stating restrictions would apply 'until fully settled'. Users can cancel or modify Auto-Withdrawal schedules through the app at any time, but Cash App states it cannot stop transfers already initiated at the time it receives a cancellation request.
View change record →The updated terms establish a new pathway for self-employed individuals to accept commercial payments without opening a business account, but impose significant compliance obligations. Users must provide a nine-digit Social Security Number, accurately tag payments as 'Earnings' or 'Personal', and comply with federal tax reporting requirements, including potential 24% backup withholding if SSN is not on file. Misdesignating payments to avoid tax thresholds can result in account suspension or termination. You can enroll in the optional Earn in P2P service by completing identity verification and providing your SSN, but you should consult a tax advisor regarding your specific tax obligations.
View change record →The updated terms eliminate the automatic fee waiver for Paper Money Deposits that applied when customers spent $500 or more in qualifying purchases or received $300 or more in qualifying deposits each month. Under the revised policy, all customers are now charged $1 per Paper Money Deposit transaction regardless of account activity level, effective June 29, 2026. This change removes a financial incentive that previously rewarded higher account engagement with fee relief. You can review your deposit patterns to determine whether the $1 per-deposit cost affects your use of this service.
View change record →Users receive information from AI features but are not receiving professional advice of any kind, meaning reliance on that output for consequential decisions is not supported by the service.
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"These AI-Powered Features are informational only and do not provide financial, investment, legal or tax advice. You remain responsible for reviewing and confirming all actions before execution...Excerpt from Cash App's Terms of Service
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Because Cash App disclaims advisory status for its AI features, users cannot treat AI-generated output as professional financial, investment, legal, or tax guidance.
Users receive information from AI features but are not receiving professional advice of any kind, meaning reliance on that output for consequential decisions is not supported by the service.
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