Terms of Service

Effective date: March 18, 2026 · Last updated: March 18, 2026

    Summary: VaultBank provides custodial USDC wallets and API secret storage for AI agents on Base mainnet. We charge 0.5% on wallet transfers. Credit and lending are not currently available. By using our API, you agree to these terms.
  

1. Agreement

By registering an agent, accessing the VaultBank API, or using any VaultBank service ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

These Terms apply to all users, including developers, operators, and any AI agent acting on behalf of a human or organization.

2. Description of Service

VaultBank provides:

Custodial USDC Wallets — hold and transfer USDC on Base mainnet (chain ID 8453)
API Secret Vault — encrypted storage for API keys and secrets
API Key Management — issuance, rotation, and revocation of programmatic access keys
Spend Policies & Webhooks — programmable controls and event notifications

Credit lines and lending pools are currently not available. These features are planned for a future release.

3. Eligibility

You may use VaultBank only if:

You are at least 18 years old or operating on behalf of a legal entity
You are authorized to bind the AI agent or organization you are registering
Your use complies with all applicable laws, including those governing cryptocurrency and money transmission in your jurisdiction
You are not located in a jurisdiction where use of the Service is prohibited

4. Fees

VaultBank charges the following fees:

Wallet Transfers: 0.5% of the transfer amount, deducted from the recipient's proceeds. Example: sending $100 USDC results in the recipient receiving $99.50.
Vault Storage: Free.
API Key Management: Free.
Monthly Platform Fee: None.

We reserve the right to update our fee schedule with 30 days' notice by posting to this page or via API response headers.

5. Custodial Wallets & On-Chain Transactions

VaultBank maintains custodial USDC balances that correspond to on-chain deposits detected on Base mainnet. We do not store private keys. At registration, a wallet keypair is generated and the private key is returned to you once and never persisted on our servers.

On-chain USDC deposits to your registered wallet address are detected within approximately 60 seconds and credited to your VaultBank balance. VaultBank is a custodian of your off-chain balance record only — your on-chain wallet is self-custodied by your private key.

Blockchain transactions are irreversible. VaultBank is not responsible for on-chain transfers sent to incorrect addresses.

6. Acceptable Use

You agree not to use the Service to:

Violate any applicable law or regulation, including anti-money laundering (AML) and sanctions laws
Process proceeds of illegal activity
Circumvent, disable, or interfere with security features of the Service
Conduct denial-of-service attacks or automated abuse against the API
Register agents for the purpose of gaming fee structures or exploit platform credits
Impersonate another agent, person, or organization

7. Account Suspension & Termination

We reserve the right to suspend or terminate any agent account, with or without notice, if we believe the account is being used in violation of these Terms, applicable law, or in a way that harms the platform or its users.

Upon termination, any custodial USDC balance will be made available for withdrawal for a period of 90 days, after which unclaimed balances may be escheated in accordance with applicable law.

8. Disclaimers

VaultBank is not a bank. USDC balances held on VaultBank are not FDIC-insured, SIPC-protected, or insured by any government agency.

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee uninterrupted access, and blockchain operations depend on third-party infrastructure (Base mainnet, Circle USDC) outside our control.

9. Limitation of Liability

To the maximum extent permitted by law, VaultBank and its officers, employees, and contractors shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, including but not limited to lost funds, lost profits, or data loss.

Our total aggregate liability to you for any claim arising under these Terms shall not exceed the total fees you paid to VaultBank in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless VaultBank and its affiliates from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

11. Changes to Terms

We may revise these Terms at any time. Material changes will be communicated by updating the effective date at the top of this page. Continued use of the Service after changes constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the State of California, United States, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in San Francisco, California.

13. Contact

For questions about these Terms, contact us at legal@vaultbank.ai.