Last updated: April 10, 2026
By accessing or using the OneAds platform ("Service"), operated by OneAds Inc. ("Company," "we," "us"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.
OneAds provides a financial technology platform that enables businesses to issue virtual debit cards, open virtual USD bank accounts, convert between USDT and USD, earn cashback rewards, and manage team spending. Our services are provided through partnerships with licensed financial institutions and payment processors.
You must meet the following requirements to use the Service:
To access financial services, you must register an account and complete identity verification. Account activation is subject to administrative review. We reserve the right to decline, suspend, or terminate any account at our sole discretion.
You are responsible for maintaining the confidentiality of your account credentials, including passwords and passkeys. You agree to notify us immediately of any unauthorized access.
Virtual cards issued through OneAds are prepaid debit cards funded from your account balance. Cards are subject to spending limits, merchant category restrictions, and fraud monitoring rules configured by administrators. We may freeze or cancel cards at any time to prevent fraud or comply with regulations.
Virtual USD bank accounts are provided through our banking partner. These accounts include routing and account numbers for receiving ACH and wire transfers. Virtual accounts are not FDIC-insured deposit accounts. Funds held in virtual accounts are subject to the terms of our banking partner.
We facilitate conversion between USDT (Tether) and USD at rates displayed at the time of conversion. Conversion rates include a spread that constitutes our fee. Completed conversions are final and non-reversible. We do not guarantee the availability, accuracy, or stability of any cryptocurrency.
Cashback is earned on eligible card transactions based on your volume tier. Cashback accrues with a 60-day holding period before confirmation. We reserve the right to claw back cashback on refunded, disputed, or fraudulent transactions. Monthly cashback is capped at $500 per user. Reward rates and terms may change with 30 days notice.
OneAds does not charge monthly subscription fees. Revenue is generated through interchange fees on card transactions and spreads on currency conversion. Withdrawal fees may apply. Current fee schedules are available in your account dashboard. We reserve the right to modify fees with 30 days notice.
You agree not to use the Service for:
We comply with all applicable Anti-Money Laundering (AML) and Bank Secrecy Act (BSA) regulations. We may file Suspicious Activity Reports (SARs) with FinCEN without notifying you. We may be required to report certain transactions to regulatory authorities. Your use of the Service constitutes consent to these monitoring and reporting activities.
We may suspend or terminate your account immediately if we suspect fraud, regulatory violations, or breach of these Terms. Upon termination, you must withdraw any remaining balance within 30 days. Unclaimed funds after 90 days may be subject to applicable escheatment laws.
To the maximum extent permitted by law, OneAds shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities. Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim.
Any disputes arising from these Terms shall be resolved through binding arbitration under the rules of the American Arbitration Association. The arbitration shall take place in San Francisco, California. You waive any right to participate in class action lawsuits.
We may update these Terms at any time. Material changes will be communicated via email or in-app notification at least 30 days before taking effect. Continued use of the Service after changes constitutes acceptance.
For questions about these Terms, contact us at [email protected].