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
The provision operationalizes Cash App's virtual currency business line by defining the scope of services offered and establishing the regulatory and contractual basis for these offerings. It creates a distinct service category with its own risk disclosures and operational requirements.
The updated terms establish new authorization rules for minors using Cash App through Sponsored Accounts. When a parent authorizes a Sponsored Account for a teen, the terms now state the parent expressly authorizes the teen to request, receive, activate, and use a Cash App Card and add it to a Cash App Tag without requiring additional parental approval for each action. The terms treat any such request or use by the teen as made at the parent's direction. For children under the teen category, the terms note the child may have limited or no independent ability to request or activate a Card or Tag. Cash App also introduces new fees for the Cash App Tag service: $25 for purchase and $15 for expedited shipping. You can review your Sponsored Account settings to understand what authorization scope you have granted.
View change record →The updated terms introduce a new stablecoin withdrawal feature that allows Cash App users to convert USD to stablecoins and send them to external blockchain addresses. Under the revised language, users do not acquire ownership or title to stablecoins; Cash App or its partners retain full control until delivery to the specified address. Critically, the terms state that withdrawals cannot be reversed or refunded once initiated on the blockchain, and sending assets to unsupported networks or incorrect addresses will result in permanent and irreversible loss of funds. Users are solely responsible for verifying accurate withdrawal instructions and compatible network addresses before initiating transfers.
View change record →The updated terms increase the Foreign Transaction Fee from 3% to 3.25% and narrow the circumstances under which this fee is waived. Previously, users who spent $500+ monthly or received $300+ in deposits waived the entire Foreign Transaction Fee. Under the revised terms, the fee waiver now applies only to card-present (in-person) transactions, meaning online and card-not-present international purchases remain subject to the fee without a waiver path. Users making qualifying purchases or deposits still receive fee waivers, but only for in-person international card transactions through the end of the following calendar month.
View change record →Users who utilize Cash App's virtual currency services operate under the terms established in this provision, which sets forth the specific conditions, limitations, and risk acknowledgments applicable to digital asset transactions. The provision requires users to review and understand the disclosed risks before engaging in virtual currency activities on the platform.
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"IX. Virtual Currency Services— Excerpt from Cash App's Cash App Terms of Service
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The provision operationalizes Cash App's virtual currency business line by defining the scope of services offered and establishing the regulatory and contractual basis for these offerings. It creates a distinct service category with its own risk disclosures and operational requirements.
Users who utilize Cash App's virtual currency services operate under the terms established in this provision, which sets forth the specific conditions, limitations, and risk acknowledgments applicable to digital asset transactions. The provision requires users to review and understand the disclosed risks before engaging in virtual currency activities on the platform.
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