1. Who you are contracting with
These Terms of Service (the “Terms”) govern your access to and use of RT: the rt.app website, the RT dashboard, RT APIs and plug-ins, and every RT product described on rt.app (together, the “Services”). “RT”, “we”, “us”, and “our” mean the RT entity you contract with, which depends on your account type and location:
Percentagem Envolvente, Lda.
Registered office: Rua Arieiro, 12, 2460-821 Montes, Alcobaça, Portugal.
Private limited company (sociedade por quotas) registered in Portugal. Contracting entity and data controller for businesses established in the European Union and European Economic Area.
RealtimePay Inc.
Contracting entity and data controller for eligible U.S. personal customers and businesses in the United States and other supported regions outside the EU and EEA.
- EU and EEA businesses. If your business is incorporated, registered, or has its principal place of business in a member state of the European Union or the European Economic Area, your agreement is with Percentagem Envolvente, Lda., a Portuguese company.
- U.S. personal customers. If you open an eligible personal account as a U.S. resident, your agreement is with RealTimePay, Inc. Personal card availability depends on the issuer’s supported states and approval.
- All other businesses. If your business is established in the United States or any other supported country, your agreement is with RealtimePay Inc.
Your contracting entity is identified during onboarding. If your residence or your business’s place of establishment changes, contact us so we can review your eligibility and the applicable entity. References to “you” mean you individually for a personal account or the business you represent for a business account.
2. Accepting these Terms
For a personal account, you accept these Terms in your own name. For a business account, you confirm that you are authorised to bind the business you represent. You must accept these Terms and any applicable product-specific agreements before activating the relevant service. Our Privacy Policy explains how we process personal data.
Personal services are available only to eligible adults in supported U.S. jurisdictions when the relevant program is available. Business services are available to eligible businesses in supported jurisdictions. Access to a personal account does not include business-only products.
These Terms govern RT’s platform services. Rain cardholder agreements are separate agreements between Rain and the cardholder. They govern the card program, including card fees, billing, repayment, disputes, and any security interest. Nothing in these Terms changes your rights or obligations under those agreements.
3. RT is not a bank
Neither Percentagem Envolvente, Lda. nor RealtimePay Inc. is a bank, credit institution, or electronic money institution. Accounts, account and routing details, card issuing, money transmission, fiat-to-stablecoin conversion, custody, and settlement are provided by regulated infrastructure partners under their own licences and their own terms, which you will be asked to accept where required.
Balances held through the Services are not bank deposits and are not covered by deposit insurance or deposit guarantee schemes unless a partner’s terms expressly say otherwise. Services are available only in jurisdictions and to customer types our partners support. RT does not independently extend card credit, set card interest rates or repayment terms, or hold card collateral.
4. Eligibility, onboarding, and verification
You must be at least 18 years old and legally able to enter into an agreement. Personal applicants must meet the applicable identity, residency, sanctions, and risk requirements. Business applicants must also complete the required know-your-business (KYB) checks, including checks on beneficial owners and authorised representatives. Eligibility is subject to our and our partners’ reviews.
You agree to provide accurate, complete, and current information for your account type and to update it promptly when it changes. A successful application or the availability of these Terms does not guarantee access to any particular service.
We may decline an application, limit products, or request more information as permitted by law. Where automated tools support a decision that significantly affects you, you may contact our team to request human review.
5. The Services
Depending on your account type, region, review, and plan, the Services may include:
- Business operating accounts with dollar-denominated stablecoin balances (such as USDC and rtUSD), statements, and virtual account details.
- Checkout and payment acceptance, including card, wallet, bank-transfer, stablecoin, and NFT checkout, with AI-assisted payment routing.
- Transfers, including ACH, RTP, wires, RT-to-RT transfers, and cross-border stablecoin payouts where supported.
- Personal or business Visa virtual cards, as applicable, issued through Rain under the applicable cardholder agreement. Availability and permitted use depend on the approved program.
- Agent Pay for Business, RT Agent Checkout, the Agentic Commerce API, and related developer tools.
Business accounts, merchant payment acceptance, and business agent features are business services. Personal customers can use only the services expressly offered and approved for their personal account. Some features are marked as coming soon or limited availability on rt.app. Those features are not part of the Services until we make them available to your account.
6. Stablecoins and digital assets
Stablecoin balances are digital assets designed to hold a stable value against the US dollar. They carry risks that differ from bank deposits, including issuer, reserve, network, smart-contract, and regulatory risks. You are responsible for understanding those risks before using stablecoin features.
For businesses established in the EU and EEA, crypto-asset services are provided only where they are permitted under Regulation (EU) 2023/1114 on markets in crypto-assets (MiCA) and applicable national law, and only through appropriately authorised providers. Some stablecoin features may be restricted or unavailable in the EU and EEA as a result.
Network transactions are generally irreversible. Always confirm recipient details before you send funds.
Digital-asset disclosures — supplement published 18 October 2026
The following disclosures apply to relevant enabled digital-asset services when these Terms or a valid amendment are accepted. Existing agreements remain subject to their change procedures and Section 18; website publication alone does not retroactively amend a signed merchant agreement.
1. No government backing or deposit insurance. Digital assets are not legal tender and are not backed by a government. Digital-asset accounts and value balances are not protected by FDIC deposit insurance or SIPC protection. An account number, payment-network logo or reference to a regulated provider does not turn a digital asset into an insured bank deposit.
2. Regulatory change. Changes in laws, regulations or government actions in relevant jurisdictions can adversely affect the use, transfer, exchange and value of digital assets. A provider may restrict or discontinue a service where required by law or its applicable terms.
3. Irreversible transfers and loss. Digital-asset transfers may be irreversible. Money lost through fraud, an incorrect address, an unsupported asset or network, or an accidental transfer may not be recoverable. Check all payment details before authorizing. A token issuer’s power to freeze an asset does not guarantee recovery or reversal.
4. Ledger timing. Some digital-asset transactions take effect when recorded on the public ledger. That may differ from the time an instruction is submitted or displayed as initiated in an application. Network confirmation and the applicable agreement determine completion.
5. Market value and total loss. A digital asset’s value may depend on other market participants continuing to exchange money or other assets for it. If that market disappears, its value can be lost permanently and entirely. A stablecoin’s target price does not eliminate market, reserve, issuer, custody or redemption risk.
6. Future acceptance. A person or merchant that accepts a digital asset today may stop accepting it. Acceptance, conversion routes and liquidity are not guaranteed.
7. Price volatility. Digital-asset prices relative to fiat currency can be volatile and unpredictable, producing substantial losses over a short period. Stablecoins may depart from their intended value, including during market stress.
8. Fraud and cyber risk. Digital assets can carry heightened risks of fraud, theft, phishing and cyberattack. Protect account credentials, signing permissions and recovery information. RT will never require a private key or recovery phrase in an ordinary support message.
9. Technology and access. Technical failures at RT, Brale, another provider, a blockchain or a third-party service may prevent access to or use of digital assets. Outages, congestion, software defects, attacks or changes in network rules may delay or interrupt transfers and redemption.
10. Limits of bonds and trust accounts. Any bond or trust account maintained by Brale for program partners may be insufficient to cover all losses. Its existence does not guarantee repayment to a customer or establish an insured deposit or trust relationship for that customer.
Full disclosure, issuance/redemption limits, rewards and complaint information. Mandatory rights, including applicable EEA redemption rights, remain unaffected.
7. Your responsibilities and acceptable use
You are responsible for activity you authorise under your account, including activity by authorised users, API keys, and AI agents where those features are available. Your responsibility for unauthorised card or payment transactions is determined by applicable law and the relevant provider agreement; these Terms do not waive those protections. You must keep credentials secure, enable the security controls we offer, and notify us immediately at security@rt.app if you suspect unauthorised access.
You must not use the Services for anything unlawful, fraudulent, or prohibited by our partners, including sanctioned persons or territories, money laundering, terrorist financing, unlicensed regulated activities, or deceptive sales practices. We may publish and update a list of restricted and prohibited business types.
If you use NFT checkout, you are the seller of each NFT and are responsible for its content, rights, description, delivery, and any promises you make to buyers. You must not offer or market NFTs as investments, securities, or financial instruments, including by promising profit, yield, revenue share, or fractional ownership. We may review, limit, or remove any NFT listing that does not meet these Terms or applicable law.
8. AI agents and delegated permissions
Agent Pay for Business lets you grant AI assistants scoped, revocable permissions to request payments within rules you set, such as per-order caps, monthly budgets, approved suppliers, and expiry dates. RT Agent Checkout lets third-party agents purchase from your business through agent-readable checkout sessions.
- Payments executed within the permissions you configure are treated as authorised by your business.
- You are responsible for choosing which agents to connect, for the rules you set, and for reviewing agent activity.
- You can pause or revoke any agent permission at any time; revocation applies to new payment requests immediately.
9. Fees
Business platform plans. Published business plans include Starter at $0 per month, Growth at $499 per month, and custom Scale pricing. The selected plan and its included services are disclosed before enrolment. These business subscription prices do not apply to personal accounts.
Card fees. Personal and business card fees are disclosed in the applicable Rain cardholder agreement and fee schedule before card activation. Business platform subscription charges and card-specific charges must be clearly identified so you can see the total cost of the services you select. A platform subscription price does not by itself state the amount of any card maintenance, issuance, transaction, foreign currency, or other card fee.
Other services. Business plans currently include 30 standard ACH transfers per month. RTP instant payouts, where available, are priced at 1% with a $10 minimum. Applicable network, conversion, and partner charges are disclosed before you authorise the relevant service or transaction.
We disclose the amount or calculation method, billing frequency, and applicable cancellation terms before you agree to a paid service. We charge only fees you have agreed to, subject to applicable law and the relevant provider agreement. Changes to card fees follow the applicable cardholder agreement and legal notice requirements. Changes to platform fees follow Section 18 and any longer notice period required by law.
Any authorisation to deduct fees or other amounts applies only to amounts lawfully due under the relevant agreement and the permissions you grant. It does not waive rights to dispute a charge or unauthorised transaction.
10. Holds, reserves, chargebacks, and disputes
Funds may be shown as pending, held, reserved, or available according to the applicable service and provider agreement. For business payment acceptance, reserves and holds may apply to refunds, chargebacks, delivery risk, and other merchant obligations. Businesses are responsible for providing evidence relating to disputes about their sales.
For the Rain card flow supported by RT, eligible USDC remains in the customer’s Coinbase smart wallet and Rain’s smart contract pulls USDC when the card is used, subject to the permissions and applicable agreements. RT does not require a separate transfer into RT-held card collateral. Rain’s cardholder agreement governs any security interest and card repayment obligations.
Report a lost or stolen card, suspected unauthorised use, or a billing issue promptly using the contact details in Section 19 and the procedures in your cardholder agreement. Nothing in these Terms reduces the dispute, error-resolution, or unauthorised-transaction protections provided by applicable law or your provider agreement.
11. APIs, plug-ins, and developer tools
We grant you a limited, non-exclusive, non-transferable licence to use RT APIs, SDKs, and plug-ins to integrate the Services with your systems during your agreement. You must follow our documentation and rate limits, keep API keys secret, and not reverse engineer, resell, or misrepresent the Services.
Open-source components, including the RT USDC Checkout for WooCommerce plugin, are licensed under the open-source licences supplied with them. If these Terms conflict with an applicable open-source licence, that licence governs the component. These Terms continue to govern access to RT’s hosted services, accounts, API credentials, service limits and charges.
12. Intellectual property and feedback
RT, rt.app, rtUSD, and related names, logos, software, and content belong to us or our licensors. These Terms do not transfer any ownership to you. If you send us feedback, we may use it without obligation to you.
You keep ownership of your data and content. You grant us the rights we need to host, process, and display it to provide and secure the Services.
13. Privacy and data protection
We process personal data as described in our Privacy Policy. For businesses in the EU and EEA, Percentagem Envolvente, Lda. acts in accordance with Regulation (EU) 2016/679 (GDPR) and Portuguese data protection law. Where we process personal data on your behalf as a processor, the data processing terms available on request form part of these Terms.
14. Suspension and termination
You may close your account at any time once outstanding transactions, disputes, and amounts owed are resolved. We may suspend or close your account, or limit a product, if required by law or a partner, if we reasonably suspect fraud, prohibited activity, or a security risk, or if you materially breach these Terms. Where the law allows, we will give you notice and a reason.
On closure, we will return available funds through the applicable provider to a verified account in your name or, for a business account, the business’s name, less amounts you owe and any reserve we are required to retain for a limited period.
15. Disclaimers
We work to keep the Services available and accurate, but they are provided “as is” and “as available”. To the extent permitted by law, we disclaim implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We are not responsible for delays or failures caused by networks, card schemes, blockchains, partners, or events outside our reasonable control.
16. Limitation of liability
For business customers, to the extent permitted by law, neither party is liable for indirect, incidental, special, or consequential losses, or for loss of profits, revenue, or goodwill. Our total liability to a business customer arising from the Services in any 12-month period is limited to the fees that business paid us in that period. These business limitations do not apply to personal customers. Nothing in these Terms limits liability that cannot lawfully be limited, including liability for fraud, wilful misconduct, or gross negligence, or limits mandatory consumer rights or protections under the applicable cardholder agreement.
17. Governing law and disputes
- Agreements with Percentagem Envolvente, Lda. are governed by Portuguese law. The courts of Lisbon, Portugal have jurisdiction, without prejudice to any mandatory rules that apply to you.
- Agreements with RealtimePay Inc. are governed by the laws of the United States and the state specified in your order form or service agreement, and disputes are resolved in the courts named there.
For business customers, both parties agree to try to resolve disputes in good faith for 30 days after written notice to legal@rt.app before starting formal proceedings. Personal customers retain all mandatory rights under the laws applicable to them, including rights to bring a claim in a court with jurisdiction. No provision requires a personal customer to accept a forum identified only in a business order form, waive a statutory right, or delay a time-sensitive complaint or claim. Card disputes remain subject to the separate cardholder agreement.
18. Changes to these Terms
We may update these Terms to reflect changes to the Services, our partners, or the law. We will post the updated Terms on this page and, for material changes, give you at least 30 days’ notice by email or in your dashboard, unless a shorter period is required by law or a partner. For personal customers, we obtain any consent required by applicable law before a change becomes binding. For business customers, continuing to use the Services after the effective date means the business accepts the updated Terms, subject to applicable law and any express agreement.
19. Contact
General and legal questions: legal@rt.app
Customer and cardholder support: support@rt.app or +1 844-604-1604 (toll-free in the U.S.)
Security reports: security@rt.app
Use these support contacts for card questions, lost or stolen cards, suspected unauthorised transactions, and complaints. Follow any additional notice procedures and deadlines in your cardholder agreement.
See the Legal noticeEarn Terms for details of each RT entity.
Questions about this document? Contact legal@rt.app. For privacy requests, contact privacy@rt.app.