MOA Terms of Service
Last Updated: December 15, 2025
These Terms of Service (the “Terms”) govern the use of the websites, mobile applications, and related services (collectively, the “Services”) provided by MOA Protocol (“MOA,” “Company,” “we,” “us,” or “our”).
MOA is a company incorporated in the British Virgin Islands (“BVI”), and these Terms are governed by the laws of the BVI.
By accessing, creating an account for, or using the Services, you agree to be bound by these Terms.
1. Applicability and Acceptance
These Terms apply to all users who access or use the Services.
By agreeing to these Terms, a legally binding agreement is formed between you and MOA.
MOA may amend these Terms from time to time to the extent permitted by applicable law. Material changes will be notified within a reasonable period.
Continued access to or use of the Services after the effective date of any amended Terms constitutes your acceptance of the amended Terms.
2. Definitions
For purposes of these Terms:
- “User” means an individual who is at least eighteen (18) years old and who uses the Services.
- “Account” means a user account created to access the Services.
- “Digital Assets” means cryptocurrencies, tokens, or other blockchain-based assets.
- “DeFi Services” means decentralized finance-related features that interact with blockchain protocols and smart contracts.
- “Partners” means third parties that independently provide card issuance, payment processing, KYC/AML, or blockchain protocol services.
3. Eligibility and Age Restriction
The Services are available only to users who are eighteen (18) years of age or older.
MOA may restrict, suspend, or terminate access to the Services at any time if a user fails to meet the applicable eligibility requirements, with or without prior notice.
Users are solely responsible for ensuring that all eligibility-related information, including age, residency, and jurisdictional status, is accurate, complete, and up to date, and acknowledge that any losses or consequences arising from inaccurate or misleading information shall be borne by the user.
In addition, the Services are not available to users located in jurisdictions where the use of digital assets or decentralized finance (DeFi) services is prohibited or restricted under applicable laws, including jurisdictions subject to economic or trade sanctions.
Users represent and warrant that they are not located in, ordinarily resident in, or otherwise subject to the laws or regulatory authority of any such restricted jurisdiction.
4. Account Creation and Security
Accounts are created using an email address provided by the user.
Users are solely responsible for maintaining the confidentiality and security of their Account credentials, including login information and any authentication mechanisms.
Except where caused by MOA’s gross negligence or willful misconduct, MOA shall not be responsible or liable for any losses arising from unauthorized access to a user’s Account, including but not limited to hacking, credential compromise, or third-party misuse.
MOA is not responsible for losses resulting from phishing, social engineering, or user interaction with fraudulent third parties impersonating MOA.
Accounts may not be transferred, assigned, shared, or otherwise made available to any third party. Any violation of this provision may result in the restriction, suspension, or termination of the Account.
5. Scope of Services
MOA provides access to the following services:
- the MOA platform and user interface;
- digital asset and decentralized finance (DeFi)–related integrations; and
- information and integrations related to MOA crypto card services.
Card issuance, payment processing, KYC/AML procedures, and certain DeFi protocol functions are provided independently by third-party partners (“Partners”), and are subject to the respective terms, policies, and operational standards of such Partners.
MOA does not control, operate, or modify the underlying smart contracts or parameters of any third-party blockchain protocols integrated into the Services, and does not control or assume responsibility for the services, outcomes, performance, availability, or policies of any Partner.
Users acknowledge and agree that any rights, obligations, or liabilities arising from the use of Partner-provided services exist solely between the user and the applicable Partner.
Card Services Terms
6. Card Service Structure
All authority regarding card issuance, management, suspension, termination, spending limits, and transaction approvals rests solely with the card issuer and payment networks.
MOA is not a card issuer, financial institution, or payment network and acts only as a platform and information facilitator.
7. Card Usage Restrictions
Card usage may be restricted by country, merchant category (MCC), transaction type, or spending limits in accordance with issuer or network policies.
Such restrictions may change without prior notice.
8. Fees, Exchange Rates, and FX
Exchange rates, foreign transaction fees, network fees, and FX markups are determined by issuers, networks, or third-party providers.
MOA does not guarantee or assume responsibility for such fees or rates.
9. Chargebacks, Refunds, and Disputes
All chargebacks, refunds, and transaction disputes are handled in accordance with issuer and payment network rules.
MOA is not a party to card transaction disputes and bears no direct liability for them.
DeFi and Digital Asset Terms
10. Nature of DeFi Services
The DeFi Services interact with decentralized blockchain protocols and smart contracts.
MOA does not control, operate, or modify such protocols or smart contracts.
MOA is not a custodian, asset manager, investment adviser, broker, dealer, or financial institution, and does not provide any investment, legal, tax, or financial advice.
By using the DeFi Services, users expressly acknowledge and assume all risks associated with blockchain technology, smart contracts, decentralized protocols, and Digital Assets, including the risk of total loss.
Users further acknowledge and accept the decentralized, experimental, and evolving nature of DeFi technologies, and agree that the use of such technologies is entirely at their own risk.
11. Non-Custodial Structure and User Responsibility
DeFi Services operate on a non-custodial basis.
Users retain full control over their wallets, private keys, seed phrases, and Digital Assets.
MOA does not store or recover private keys and is not responsible for losses resulting from key mismanagement, hacks, or user error.
12. Smart Contract and Technical Risks
Smart contracts may contain bugs, vulnerabilities, or security risks.
MOA is not responsible for losses arising from smart contract failures, blockchain outages, forks, transaction delays, or failed transactions.
Blockchain transactions may be irreversible, and incorrectly sent assets may not be recoverable.
13. No Guarantee of Returns
Any displayed APR, APY, rewards, or yield figures are estimates or historical data and do not guarantee future returns.
MOA does not guarantee principal protection, fixed returns, or minimum yields.
14. Market Volatility and Risk Disclosure
Digital Assets are subject to extreme price volatility.
Users may lose part or all of their invested assets.
15. Regulatory Uncertainty
Laws and regulations relating to Digital Assets and DeFi vary by jurisdiction and may change.
MOA does not guarantee the legality or availability of Services in any specific jurisdiction.
Users are responsible for ensuring compliance with applicable local laws.
16. Tax Responsibility
Users are solely responsible for determining, reporting, and paying any taxes arising from Digital Asset transactions, rewards, or DeFi participation.
17. Informational Purpose Only
All content and information provided by MOA are for informational purposes only and do not constitute investment, financial, legal, or tax advice.
18. Suspension and Termination
Users may terminate their Accounts at any time.
MOA may suspend or terminate Accounts for violations of these Terms or applicable law, including suspected fraud, security risks, regulatory requirements, or Partner requests.
19. Limitation of Liability and Disclaimer
MOA is not liable for losses arising from force majeure events, third-party actions, network failures, or circumstances beyond its reasonable control.
MOA’s liability is limited to the maximum extent permitted by applicable law.
20. Intellectual Property
All intellectual property rights related to the Services belong to MOA or its licensors.
21. Governing Law and Jurisdiction
These Terms are governed by the laws of the British Virgin Islands.
Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of the BVI.
22. Contact Information
For questions regarding these Terms, please contact: