The agreement includes a dedicated section governing the use of generative AI features within Cash App, which users should review for terms specific to AI-generated content and related limitations.
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 creates a regulatory framework for AI implementation, clarifying which generative AI capabilities fall within the scope of the Cash App service agreement and establishing the operational parameters under which such systems function.
Interpretive note: The full text of Section XXII was not available in the document excerpt provided, so the specific terms, data processing obligations, and limitations stated in that section cannot be assessed with confidence.
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 →The updated terms state that Cash App will discontinue its Remittance Service effective May 1, 2026. Any remittance payment still pending on or after May 1, 2026 will continue to be processed unless the sender cancels the transfer. However, any remittance payment sent via cash pickup that is not picked up within 21 days will be automatically canceled, and all remittance payments remaining in pending state on May 21, 2026 will be automatically canceled and refunded to the sender. Additionally, for California residents with Cash App Cards, the gift card cash redemption threshold was increased from $10 to $15. You can cancel pending remittance transfers before May 1, 2026 to manage the transition.
View change record →Users who interact with Cash App's generative AI features are subject to additional terms that may govern how their inputs are processed, what the AI can and cannot do, and the limitations on relying on AI-generated responses for financial decisions. The full text of Section XXII was not available in the document excerpt provided.
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engage in any of the foregoing in connection with any use, creation, development, modification, prompting, fine-tuning, training, testing, benchmarking or validation of any artificial intelligence or machine learning tool, model, system, algorithm, product or other technology ("AI Tool").
We are simplifying our Terms of Use, including clarifications around the use of AI tools, and their data use. We have moved the terms that describe AI Features, which were previously written for a Creator audience and located under the AI-Based Tools Supplemental Terms and Disclaimer, into the User ...
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"XXII. Generative AI Terms of Use— Excerpt from Cash App's Cash App Terms of Service
REGULATORY LANDSCAPE: Generative AI features in consumer financial services engage FTC guidance on AI transparency and accuracy, CFPB guidance on AI use in consumer financial products, and emerging state AI disclosure and accountability statutes (including California AB 2013 and similar frameworks). If the AI features process personal data, CCPA and state privacy law obligations are also engaged. GOVERNANCE EXPOSURE: Medium. The presence of a dedicated generative AI section signals that AI features are operationally deployed, but the governance exposure depends on the specific terms in Section XXII, which were not fully available in the document excerpt. Key risk areas include data retention of user prompts, accuracy disclaimers, and restrictions on using AI outputs for financial decisions. JURISDICTION FLAGS: California's AI transparency requirements and Colorado's AI in financial services regulations may impose additional disclosure and assessment obligations. EU users are not covered by this US-specific document, but analogous considerations apply under the EU AI Act for any global operations. CONTRACT AND VENDOR IMPLICATIONS: If the generative AI features are powered by third-party AI providers, vendor assessment obligations arise regarding data processing agreements, model governance, and output accuracy liability. Procurement teams should assess whether Cash App's vendor contracts for AI services include appropriate data protection and liability provisions. COMPLIANCE CONSIDERATIONS: Compliance teams should review Section XXII in full to assess whether AI feature disclosures satisfy FTC and CFPB guidance, whether user prompt data is subject to the same retention and deletion rights as other personal data under the Privacy Notice, and whether the AI terms adequately disclaim reliance on AI outputs for financial decisions.
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The provision creates a regulatory framework for AI implementation, clarifying which generative AI capabilities fall within the scope of the Cash App service agreement and establishing the operational parameters under which such systems function.
Users who interact with Cash App's generative AI features are subject to additional terms that may govern how their inputs are processed, what the AI can and cannot do, and the limitations on relying on AI-generated responses for financial decisions. The full text of Section XXII was not available in the document excerpt provided.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Cash App.