Monra Terms of Service

1. Eligibility and your account

You must be at least 18, legally able to enter a contract, and permitted to use the relevant feature under applicable law. If you act for a business, you must have authority to bind it; “you” includes that business.

Monra supports individual and business accounts. Individuals may use Monra for personal purposes or lawful freelance/sole-trader activity only where the relevant provider permits that activity and onboarding classification. A Monra individual-account label does not override a provider's personal-use restriction. Use the required business onboarding where applicable. Do not use an account on behalf of undisclosed customers or to provide regulated financial services without the necessary permissions.

Eligibility depends on residence, principal business operations, applicable US state, sanctions, provider approval, asset, currency, network and payment rail. A country in a dropdown does not guarantee every feature or transaction is available there. Provide accurate information and keep it current. We may request information needed to establish eligibility.

Protect your email, devices, credentials, PIN, MFA methods and wallet recovery material. Do not share an individual account or give unauthorised access. Contact hello@monra.global promptly if you suspect fraud, account compromise or an incorrect transaction. Authentication does not remove your right to report unauthorised activity.

2. What Monra and its providers do

Monra is a technology company providing the application and software that coordinates user instructions. Available features include Coinbase CDP user-controlled wallets, Bridge virtual-account details and fiat/stablecoin conversion, supported bank payments, on-chain transfers, recipients, invoices, payment requests and funded claim links.

Monra does not provide a bank account or deposit insurance in its own name. Virtual-account details are payment instructions issued through a provider, not a bank account supplied by Monra. A displayed wallet balance represents digital assets, not a deposit with Monra.

For Bridge-integrated features, regulated financial services are provided by Bridge and/or its applicable affiliates and financial partners, under separate agreements with you. Bridge conducts the verification and compliance checks for those services. Coinbase CDP supplies authentication and wallet infrastructure. Direct wallet transfers and funded claim links are not automatically Bridge financial services or covered by Bridge's verification.

Our Provider Terms and Disclosures directory links the regional agreements and notices. Accepting these Terms does not accept Bridge's agreements or electronic-delivery consent. Those agreements govern the provider's services; these Terms govern Monra's services. Neither overrides mandatory law.

Features and supported routes can change. We do not guarantee availability of a particular asset, network, bank or destination.

3. Verification and provider decisions

Bridge and its partners may request identity/business information, beneficial ownership, source of funds, transaction purpose, wallet ownership and counterparty details. They may screen and monitor activity, set limits, delay or reject transactions, suspend access, and freeze, reverse, correct, offset or recover funds where authorised by their agreements and law.

These are provider powers, not a general right for Monra to debit your bank account or take assets from your wallet. Monra may restrict its application as described in section 10.

Some wallet features may be accessible without completing Bridge verification. This does not mean the user is verified by Bridge, that all transactions are permitted, or that provider screening replaces every applicable legal requirement. Coinbase applies screening within its wallet services and may block transactions under its own rules.

4. Wallets, delegation and funded links

User-controlled wallets

Monra uses Coinbase CDP wallet infrastructure. You can export supported wallet keys through Coinbase's isolated export experience; Monra's application does not receive the raw exported key. Keep any exported key secure. Anyone with it may control the wallet, and losing it or access credentials may make recovery impossible.

Supported EVM wallets use EIP-7702 delegation for smart-account features, including sponsored execution. This changes the wallet's on-chain delegation and enables the designated implementation to execute transactions authorised through the wallet. It does not transfer the private key to Monra. Before enabling this feature, Monra will present its authorisation disclosure. Changing or revoking delegation through another compatible wallet may prevent Monra features from working.

Funded claim links

A funded claim link is different from a direct transfer. Assets are deposited into a smart contract. Monra generates and stores an encrypted link-specific claim key and its backend signs an authorisation releasing the deposit to the claimant's wallet. This is not the sender's CDP wallet key, but claiming through Monra depends on its signing service.

The sender can cancel an unclaimed deposit through the supported contract path. Claiming and cancellation compete for on-chain completion; an attempted cancellation is not a guarantee that a recipient cannot claim first. Protect the link because a person with access may attempt to claim. Once claimed, sender cancellation is unavailable. Exporting a CDP key does not itself release a funded deposit.

The contract, signing service and blockchain can fail or be unavailable. This description does not represent that Monra has no role in authorising release or that Bridge operates the funded-link arrangement.

Digital-asset risks

Transactions can be irreversible. Check the asset, network, address, amount, recipient and any reference before confirming. Unsupported assets, incorrect addresses or networks can cause permanent loss.

Networks and smart contracts face bugs, attacks, congestion, outages, forks and reorganisations. Issuers may freeze assets, supported assets may be delisted, and stablecoins may lose value or become unredeemable. Stablecoins are not bank deposits or FDIC-insured merely because you use Monra. Monra does not promise legal-tender status, redemption at par, insurance or risk-free holdings. Any protection for provider-held fiat depends on that provider's specific arrangement and does not insure wallet stablecoins.

5. Bank payments and transaction instructions

Use connected bank accounts and wallets you own or control, except for third-party receipts or payments expressly permitted by both the relevant product and provider arrangement. Customer invoice payments and payments to other people's bank accounts are allowed only on approved routes. The presence of a recipient form or invoice does not grant provider approval.

You authorise Monra to transmit your instructions and the information needed to process them. Do not use funds you are not entitled to use or misrepresent their owner or purpose.

Pending or submitted status is not final settlement. Provider review, bank cutoffs, holidays, network conditions and recipient institutions can affect timing. Estimates are not guarantees. An instruction may become non-cancellable once processing begins; provider return/reversal rules and mandatory rights still apply.

6. Fees and conversion

The current Monra pricing model is:

Bank funding or withdrawal associated with an otherwise free feature still attracts the bank-payment charges. A transfer you initiate outside Monra using an exported key is not covered by Monra's network-fee sponsorship.

Partner payment-rail charges are passed through at cost and are generally approximately US$0.40–US$1.00 or the applicable local-currency charge, depending on the route. These are indicative amounts, not a universal maximum; check the applicable fee disclosure. Your bank, intermediary banks or the recipient's bank may impose separate charges.

Conversions use the provider's applicable rate, including its margin, generally approximately 0.5%. Monra adds no separate markup to that exchange rate; its bank-transaction service fee is the 1% described above. The applicable rate, amount and fee treatment matter more than an indicative estimate.

For transactions you confirm in Monra, review the displayed charges, rate and expected proceeds, including whether fees are added or deducted. A material change to a confirmed Monra charge requires fresh confirmation. Incoming virtual-account payments can process automatically without a separate confirmation for each receipt; the applicable standing fees and conversion treatment apply and must be disclosed before funding. A provider collecting a Monra fee on our behalf does not make it a provider-set fee.

We refund Monra service fees for services that do not complete. This does not promise reversal of a completed blockchain transfer or refund of a charge retained by another provider. Other refund requests are assessed on their facts, subject to mandatory rights. An underlying purchase dispute does not by itself mean Monra's payment service failed.

Future fee changes will be disclosed before they apply, with advance notice where required. They do not retrospectively change an already confirmed transaction. You are responsible for your taxes and reporting. Monra does not provide legal, tax, accounting or investment advice.

7. Receipts, mistakes and disputes about payments

Review transaction history, confirmations and receipts promptly. Report missing, incorrect or unauthorised transactions immediately to hello@monra.global, identifying the transaction, date, amount and issue. Do not send private keys or passwords.

We will investigate Monra issues and promptly route provider matters to the appropriate provider. The relevant provider's procedures and applicable law determine its investigation, notice periods and remedies. Monra does not promise a provider's provisional credit or remedy as its own obligation. Contact Monra for all support matters; we coordinate any necessary provider escalation. Further information is on the provider page. No contractual notice requirement removes a non-waivable statutory right.

Do not spend or onward-transfer money received in error. Cooperate with lawful correction or return requests. Provider reversals, offsets and negative balances are governed by the provider's agreement and law; they do not create general Monra custody or bank-debit powers.

8. Invoices, payment pages and your content

You are responsible for the accuracy, lawfulness and permitted use of information you provide, including recipient details, invoices and payment descriptions. Supply only information you are entitled to use and provide appropriate notices to the people concerned.

Invoice and payment pages may be visible to anyone possessing the link. Avoid unnecessary sensitive information. You give Monra permission to store, format, display and transmit your content as needed to provide and protect the service.

You, not Monra, are the seller or contracting party for goods and services you invoice. You remain responsible for fulfilment, customer refunds, taxes and disputes concerning that underlying sale. This does not remove Monra's responsibility for its own service.

9. Acceptable use and intellectual property

The Prohibited Use Policy forms part of these Terms. Do not use Monra for illegal activity, sanctions evasion, fraud, undisclosed money services, provider-restricted commerce or interference with systems.

Monra and its licensors retain their intellectual-property rights. You receive a limited, non-exclusive right to use the Services for their intended lawful purpose. Do not copy, sell, reverse engineer or exploit the software except where mandatory law permits it. You retain ownership of your own content.

10. Suspension and closure

We may limit, suspend or end access where reasonably necessary for security, suspected fraud or prohibited activity, legal/provider requirements, inaccurate information, non-payment or a material breach. We will give notice where reasonably practicable unless law, security or an investigation prevents it.

Request closure at hello@monra.global. Closure is support-assisted. Pending transactions, unclaimed funded links and outstanding obligations must be addressed; export supported wallet keys before losing access. Access to recovery or exit assistance may be subject to legal or security restrictions. Closing Monra does not erase public blockchain history or records lawfully retained. Provider accounts and pending provider transactions follow their own closure rules.

11. Electronic communications

You agree to receive Monra notices, agreements and service communications through the application or your registered email, to the extent permitted by law. Maintain a working email address, internet-connected device, current browser and the ability to save or print documents. Contact support for document access or to withdraw electronic delivery; withdrawal may make continued service impracticable and require account closure.

This section does not replace a separate consent or disclosure required by law. Bridge's electronic-delivery arrangements, paper-copy rights and withdrawal consequences are governed separately by its terms.

12. Service disclaimers

To the maximum extent permitted by applicable law, the Services are provided “as is” and “as available,” without warranties of uninterrupted or error-free operation, merchantability, fitness for a particular purpose or non-infringement. Monra does not guarantee the performance, solvency or availability of independent providers, networks or asset issuers.

These disclaimers do not remove statutory service standards, mandatory consumer remedies or responsibility for Monra's conduct that cannot lawfully be excluded.

13. Liability

To the maximum extent permitted by applicable law, Monra excludes liability for losses or damages arising out of or relating to the Services or these Terms, whether in contract, tort (including negligence where exclusion is lawful), breach of statutory duty or otherwise. This includes direct and indirect loss, consequential loss, lost profits, revenue, business, opportunity, goodwill or data, and loss arising from provider or network failures, asset-value changes, incorrect instructions or unauthorised activity, but only to the extent that exclusion is legally permitted.

Nothing in these Terms excludes or restricts liability or rights that applicable law does not allow to be excluded or restricted. This includes liability for fraud or fraudulent misrepresentation; death or personal injury caused by negligence where applicable law prohibits exclusion; and liability for deliberate misconduct, gross negligence, breaches of mandatory consumer protections or data-protection rights to the extent that liability cannot lawfully be excluded or limited. Any mandatory rights concerning unauthorised payments, refunds, correction, reasonable care and skill or other statutory remedies remain unaffected.

These Terms do not establish a fixed monetary liability cap or promise a minimum compensation payment. Where an exclusion cannot lawfully apply, Monra's liability is determined by applicable law; it is not automatically reduced to zero or to the fees you paid.

The exclusions do not permit Monra to retain a refund, payment or assets that it is legally or contractually obliged to return. They do not restrict your separate rights against a provider or transfer a provider's obligations to Monra.

14. Business third-party claims

If you use Monra for business purposes, you are responsible, to the extent permitted by law, for reasonable losses and costs Monra incurs from third-party claims caused by your unlawful activity, infringement or material breach of these Terms. This does not cover losses caused by Monra's own breach or conduct for which it is legally responsible. We will notify you of a claim and reasonably cooperate; no settlement may impose an admission or obligation on you without your consent, not unreasonably withheld. This provision does not impose an indemnity on a consumer acting outside their trade or profession.

15. Disputes and governing law

Contact hello@monra.global so we can try to resolve a dispute. This does not require you to wait before reporting fraud, exercising a legal right, contacting a regulator or meeting a legal deadline.

Delaware law governs these Terms, subject to mandatory protections of the law otherwise applicable to you. For business disputes, the state and federal courts in Delaware have exclusive jurisdiction, unless mandatory law requires otherwise. Consumers retain any right under mandatory law to bring proceedings in their local courts or another competent court.

These Terms do not require arbitration or waive jury, class or representative rights. Provider disputes remain governed by the provider's own agreement and applicable law.

16. Changes and general provisions

We will notify you of material contractual changes in advance where required and obtain renewed acceptance where required. A revised policy does not retrospectively authorise an earlier transaction or waive an accrued right. You may stop using the Services and request closure if you do not accept a change, subject to settling pending matters.

These Terms and the Prohibited Use Policy form the agreement for Monra's Services. The Privacy Policy is a notice, and provider agreements remain separate. An unenforceable provision does not invalidate the remainder, but mandatory protections are not reduced. Failure to enforce a right immediately is not a waiver.

You may not transfer your account or agreement without our consent. We may transfer the agreement as part of a reorganisation or sale, without reducing your mandatory rights and with notice where required. Events beyond reasonable control may interrupt service but do not remove obligations that law requires us to perform. Provisions dealing with accrued payments, content rights, claims, liability and disputes survive closure to the extent relevant.

17. Contact

Monra, Inc.
Registered-agent and correspondence address:
131 Continental Dr, Suite 305
Newark, DE 19713
United States

Support, legal notices and privacy requests: hello@monra.global