Terms of Service

Last updated September 30, 2026

These terms govern your use of BluMoney. By texting BluMoney you agree to them.

What BluMoney is

BluMoney keeps a wallet on Robinhood Chain for your phone number (its keys are held in secure enclaves by our wallet infrastructure provider) and moves digital assets (USDG, ETH and tokens) or trades them for you when you confirm by replying YES. BluMoney is independent software and is not affiliated with Robinhood Markets, Inc. BluMoney is not a bank; balances are not deposits and are not insured.

Your account

Your phone number is your login. Anyone who controls your number or your Messages can use your account, so keep your phone locked and ask your carrier to protect your number. You must be at least 18 and allowed to use digital assets where you live.

Payments

• Nothing is sent until you reply YES to a proposal that shows the amount and recipient. Proposals expire.
• Blockchain transactions are final and cannot be reversed. Check the recipient before you confirm.
• Sends to other people are limited to $5,000 per day unless you change it with LIMIT. A higher limit takes effect 12 hours after you ask; a lower limit takes effect immediately.
• We may decline, delay or pause transactions to comply with law or to protect you or others.

Trading

• Trades are executed through third-party smart contracts (Uniswap) on Robinhood Chain. Prices move; each proposal shows a guaranteed minimum and nothing trades below it.
• Anyone can create a token. Warnings are shown for tokens that are not Robinhood Stock Tokens or major assets, but they are not a guarantee. You trade at your own risk.
• BluMoney never gives investment advice.

Stock Tokens

Stock Tokens are tokenized debt securities issued by Robinhood Assets (Jersey) Limited that track the price of an equity or ETF and give no shareholder rights. They may not be offered, sold or delivered in the United States or to US persons, or in Canada, the United Kingdom, Switzerland or sanctioned jurisdictions. By confirming that you are “NOT A US PERSON” you represent that you are not a US person and do not reside in any of those places, and you agree not to send Stock Tokens to anyone who is. BluMoney may block Stock Tokens for any account at any time.

Fees

Sending costs 0.5% of the amount (minimum $0.05), charged in the asset you send; it is free when you hold at least 100,000 $BLU or send $BLU itself. Buying or selling costs 1.5% of the trade (1% from 100,000 $BLU, 0.75% from 1,000,000 $BLU, 0.5% from 10,000,000 $BLU), charged in USDG; buying $BLU itself has no BluMoney fee. Your rate is based on the $BLU in your BluMoney wallet when you confirm. The amounts in a trade confirmation already account for the fee (what you pay, or what you receive); a send fee is charged on top of the amount you send. Receiving is free. This page and our website list every fee. We may change fees with notice.

$BLU

$BLU is a utility token that lowers your BluMoney fees. It is not an investment, gives no rights to profits, dividends or governance, and its price can go to zero. Trading $BLU happens on third-party markets on Robinhood Chain and is at your own risk.

Liability

BluMoney is provided “as is”. To the extent the law allows, we are not liable for losses caused by blockchain or third-party failures, lost access to your phone number, token issuers, or transactions you confirmed.

Contact

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