Terms and Conditions

1. Introduction & Acceptance

Welcome to Glide (“Service”), a Dollar Continuity Account service operated by Axtior Inc. (“Company,” “we,” “us,” or “our”). Glide enables users to hold, send, and receive US dollars through a combination of traditional banking rails and stablecoin infrastructure, with a Visa debit card for everyday spending.

By accessing, registering for, or using the Service, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to any part of these Terms, you must not use the Service. These Terms constitute a legally binding agreement between you and Axtior Inc.

We encourage you to read these Terms carefully, along with our KYC/AML & Privacy Policy, Transaction Monitoring Policy, and Data Retention Policy, which are incorporated by reference.

2. Definitions

The following terms have specific meanings throughout these Terms and Conditions. Understanding these definitions is essential for interpreting the obligations and rights described herein.

• “Account” means the Dollar Continuity Account you open with Glide, comprising your fiat balance held at Column N.A. and any associated stablecoin wallet provisioned by Privy.
• “Services” means all products and features offered through Glide, including deposits, withdrawals, currency conversion, card issuance, and account management.
• “User” means any individual who registers for, accesses, or uses the Service.
• “Transaction” means any deposit, withdrawal, transfer, card purchase, or conversion performed through the Service.
• “Stablecoin” means USDC (USD Coin) or USDT (Tether) digital tokens pegged to the US dollar, used as deposit or withdrawal instruments within the Service.
• “Virtual Account” means the bank account number and routing number assigned to your Account at Column N.A. for receiving fiat deposits.
• “Card” means the virtual Visa debit card issued by Bridge and linked to your Account for making purchases at merchants that accept Visa.

3. Eligibility

To use the Service, you must be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater. You must have the legal capacity to enter into a binding contract and must not be barred from using financial services under applicable law.

All users are required to complete Know Your Customer (KYC) verification before accessing any account functionality. Verification is conducted through Bridge KYC Links, powered by Persona, and requires a government-issued photo ID and a live selfie for identity confirmation.

The Service is not available to residents or nationals of the following prohibited jurisdictions: Iran, North Korea, Russia, Syria, Venezuela, and Cuba. This list may be updated from time to time to reflect changes in international sanctions regimes and regulatory requirements.

We reserve the right to decline or revoke access to the Service for any applicant or user who does not meet the eligibility requirements, fails KYC verification, or is identified on any sanctions list maintained by OFAC, the UN, the EU, or other relevant authorities.

4. Account Opening

Account opening is initiated through our web application. After providing your email address and authenticating via Privy, you will be directed to complete identity verification through Bridge KYC Links. This process is hosted by Persona and collects your government-issued identification document and a live selfie photograph.

In most cases, the automated verification decision is returned in under one minute. If your application requires manual review due to document quality, data discrepancies, or enhanced due diligence triggers, the review may take up to the next business day. You will receive an email notification once your verification status has been determined.

Upon successful verification, your Account is activated. You are assigned a unique bank account number and routing number at Column N.A. for receiving USD deposits, and a Solana wallet address provisioned by Privy for receiving stablecoin deposits.

You are responsible for maintaining the security of your login credentials and must notify us immediately if you suspect unauthorized access to your Account.

5. Deposits

Glide supports two primary deposit paths for funding your Account:

6. Withdrawals

Glide offers three withdrawal rails to provide maximum flexibility for accessing your funds:

7. Visa Debit Card

Upon account activation, you are eligible to receive a virtual Visa debit card issued by Bridge. The card is linked directly to your Account balance and can be used to make purchases anywhere Visa is accepted, including online merchants, point-of-sale terminals, and contactless payment systems.

The card is subject to the following transaction limits: a daily spending limit of $5,000 USD and a monthly spending limit of $25,000 USD. These limits may be adjusted based on your account history, verification level, and applicable regulatory requirements. Requests for limit increases are reviewed on a case-by-case basis.

Card transactions are deducted from your Account balance in real time. If your Account balance is insufficient to cover a transaction, the transaction will be declined. There is no overdraft facility associated with the Glide Visa debit card.

You are responsible for all transactions made with your card and must report any unauthorized transactions immediately by contacting our support team. We will investigate reported unauthorized transactions in accordance with applicable consumer protection regulations.

8. Fees

Glide is committed to transparent pricing. The following fee schedule applies to all Accounts. We do not charge hidden fees, and any changes to this schedule will be communicated with at least 30 days advance notice.

Bridge conversion fees vary based on transaction volume and market conditions. The exact fee is displayed before you confirm each transaction.

9. Prohibited Activities

You agree not to use the Service for any unlawful purpose or in furtherance of any illegal activity. The following activities are strictly prohibited and may result in immediate account suspension, termination, and referral to law enforcement authorities:

• Money laundering— Using the Service to conceal or disguise the nature, location, source, ownership, or control of funds derived from criminal activity.
• Terrorist financing— Providing, collecting, or transmitting funds with the knowledge or intent that they will be used to carry out acts of terrorism.
• Sanctions evasion— Engaging in transactions designed to circumvent sanctions imposed by OFAC, the United Nations, the European Union, or other relevant authorities.
• Structuring— Breaking up transactions into smaller amounts to avoid regulatory reporting thresholds (e.g., the $10,000 CTR threshold).
• Fraud— Engaging in identity theft, account takeover, phishing, or any deceptive practice aimed at obtaining funds or information illegally.
• Illegal gambling— Using the Service to fund or facilitate gambling activities that are illegal in your jurisdiction.
• Unlicensed money transmission — Operating a money transmission or payment services business through your Account without the required federal and state licenses.

10. Transaction Monitoring

All transactions conducted through the Service are subject to automated monitoring for compliance with the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) regulations, and Countering the Financing of Terrorism (CFT) requirements. Our monitoring system employs a 63-rule engine across nine risk categories to detect suspicious patterns and activity.

We may hold, delay, block, or reverse any transaction that our monitoring systems flag as potentially suspicious. In such cases, we may contact you for additional information or documentation. You agree to cooperate fully with any inquiries related to your transactions.

We are legally required to file Suspicious Activity Reports (SARs) with the Financial Crimes Enforcement Network (FinCEN) when we identify transactions that meet SAR filing criteria. We are prohibited by law from notifying you if a SAR has been filed regarding your account or transactions.

For complete details, refer to our Transaction Monitoring Policy.

11. Suspension & Termination

We reserve the right to suspend or restrict access to your Account at any time, with or without notice, for any of the following reasons: suspected fraudulent or unauthorized activity, a positive sanctions screening match, failure to provide requested KYC documentation, regulatory requirements or law enforcement requests, or violation of these Terms.

During a suspension, you may not be able to initiate deposits, withdrawals, or card transactions. We will make reasonable efforts to notify you of the suspension and the steps required to restore access, unless we are legally prohibited from doing so (for example, in connection with a law enforcement investigation).

You may close your Account at any time by providing 30 days written notice to our support team. Upon account closure, any remaining balance will be returned to you via your preferred withdrawal method, net of any outstanding fees or pending transactions.

We may terminate your Account immediately and without notice if we determine, in our sole discretion, that continued operation of the Account poses an unacceptable legal, regulatory, or reputational risk.

12. Data Handling

We take the security and privacy of your personal data seriously. All personally identifiable information (PII) is encrypted at rest using AES-256 encryption and in transit using TLS 1.3. For complete information on how we collect, use, store, and share your data, please refer to our KYC/AML & Privacy Policy and Data Retention Policy.

We collect only the data necessary to provide the Service, comply with regulatory obligations under the Bank Secrecy Act and applicable anti-money laundering laws, and improve the user experience. Data is retained in accordance with our retention schedule, which includes a mandatory 5-year retention period for all BSA-related records.

You have the right to access, correct, and request deletion of your personal data, subject to the BSA 5-year retention override for compliance records. Data rights requests can be submitted to our support team and will be processed within 30 days.

13. Third-Party Providers

Glide relies on the following third-party service providers to deliver core functionality. By using the Service, you also agree to the terms and policies of these providers as applicable:

14. FDIC Disclosure

US dollar deposits held in your Account at Column N.A. are eligible for FDIC insurance coverage up to $250,000 per depositor, per insured bank, for each account ownership category, in accordance with FDIC rules and regulations. Column N.A. is a Member FDIC institution.

Important: Stablecoin balances (USDC or USDT) that are held at Bridge or in your Privy-provisioned Solana wallet prior to conversion to US dollars are NOT covered by FDIC insurance. FDIC insurance applies only to US dollar balances held on deposit at Column N.A.

The conversion of stablecoins to US dollars typically occurs within minutes of deposit, after which the resulting USD balance is held at Column N.A. and becomes eligible for FDIC coverage. During the brief conversion window, your funds are not FDIC-insured.

For more information about FDIC insurance coverage, visit fdic.gov.

15. E-Sign Consent

By using the Service, you consent to receive all communications, agreements, disclosures, notices, and other documents (“Communications”) from us electronically. This consent applies to all Communications related to your Account and the Service, including but not limited to: account statements, tax documents, regulatory notices, privacy policy updates, and terms of service amendments.

Electronic Communications will be delivered to the email address associated with your Account or made available through the Glide web application. You agree that all Communications provided electronically satisfy any legal requirement that such Communications be in writing.

You may withdraw your consent to receive electronic Communications by contacting our support team. However, withdrawal of consent may result in the inability to continue using certain features of the Service, as electronic delivery is integral to our operations.

You are responsible for maintaining a valid email address and for regularly reviewing Communications delivered to you.

16. Intellectual Property

The Glide name, logo, visual identity, and all associated designs, graphics, user interface elements, and content are the exclusive property of Axtior Inc. and are protected by copyright, trademark, and other intellectual property laws. All rights not expressly granted herein are reserved.

You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any part of the Service or its content without the prior written consent of Axtior Inc. This includes, without limitation, the Glide branding, marketing materials, software code, and documentation.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your personal or business financial management purposes, in accordance with these Terms.

17. Limitation of Liability

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AXTIOR INC., ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO AXTIOR INC. DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

This limitation of liability applies regardless of the legal theory upon which the claim is based, whether in contract, tort, negligence, strict liability, or otherwise, and even if we have been advised of the possibility of such damages.

18. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered in the State of Delaware, in accordance with the rules of the American Arbitration Association (AAA). The arbitration shall be conducted by a single arbitrator, and the arbitrator's decision shall be final and binding.

Before initiating arbitration, you agree to first attempt to resolve any dispute informally by contacting our support team. You and Axtior Inc. shall have a 30-day informal resolution period, during which both parties will negotiate in good faith to reach a mutually acceptable resolution.

You agree that any arbitration will be conducted on an individual basis only, and you waive the right to participate in a class action, class arbitration, or other representative proceeding. If a court determines that this class action waiver is unenforceable, the arbitration agreement shall be null and void.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.

19. Amendments

We reserve the right to update, modify, or amend these Terms at any time. When we make material changes, we will provide you with at least 30 days advance notice via the email address associated with your Account. Non-material changes, such as typographical corrections or formatting updates, may be made without prior notice.

Your continued use of the Service after the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree with any amendment, you must discontinue use of the Service and close your Account before the effective date of the change.

The most current version of these Terms will always be available at glideapp.com/terms. We encourage you to review these Terms periodically to stay informed of your rights and obligations.

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.