Terms of
use.

PentrraWallet is a fintech platform specialized in issuing prepaid virtual Visa cards and operating a network of licensed agents. Our services are aimed at four profiles:

• Regular users: individuals wishing to pay online — Facebook Ads, Amazon, Netflix, App Stores, etc.
• Developers: integrators automating card creation and management via our REST API
• Businesses: organizations managing multiple cards for their teams or campaigns
• Licensed agents: local operators offering card creation, top-up and cash services to their clients

Top-ups are made in USDT TRC20. All issued cards operate on the Visa network and are accepted worldwide on online platforms.

Full access to the platform requires account creation and identity verification (KYC — Know Your Customer):

• You must provide accurate, complete and up-to-date information during registration
• Only one account per natural or legal person is allowed
• KYC verification is mandatory to issue cards and make transactions
• Accepted documents: passport, national identity card, driver's license
• We reserve the right to refuse or suspend any account with inaccurate information

Cards issued by PentrraWallet are rechargeable prepaid cards for online use only:

• Each card is credited with the chosen amount at creation, then rechargeable as many times as needed
• Top-up is immediate once your account balance is sufficient
• PentrraWallet is not responsible for a transaction being declined by a third-party merchant
• Cards cannot be used for cash withdrawals or at physical point-of-sale (POS)
• You are solely responsible for the security and use of your card data

Account top-up is done exclusively in USDT TRC20:

• Deposits are credited after confirmation on the TRC20 blockchain (usually immediate)
• Any deposit to an incorrect or expired address is permanently lost — always verify the address before sending
• Minimum and maximum amounts are defined in your dashboard
• No refund will be made for transactions confirmed on the blockchain

Use of our services is subject to a fee schedule available on the Pricing page :

• Fixed and variable fees apply to each virtual Visa card creation
• Fees are also charged on each card top-up
• Developer plans (monthly) offer reduced fees in exchange for a subscription
• Fees are automatically deducted from your balance at the time of the transaction
• Any pricing change will be notified to you with a minimum 7-day notice

API access is reserved for accounts that have subscribed to a developer plan and completed KYB (Know Your Business) verification.

• Proof of legal existence: Kbis extract, trade register or equivalent
• Identity and KYC of directors and beneficial owners (>25% shares)
• Clear description of intended use and estimated transaction volume

• Do not share, resell or publicly expose your API keys X-API-Key
• Respect the rate limits defined by your plan
• Use the sandbox environment for testing — production calls consume real balance
• Correctly implement signature verification of incoming webhooks
• Immediately report any discovered vulnerability via our security channel

Business accounts benefit from advanced features (multi-team, dedicated cards, reporting). By subscribing to a business account:

• The main administrator is responsible for the actions of all created sub-accounts
• Each sub-account must comply with these T&Cs
• Billing data and KYC documents of the legal entity must be kept up to date
• Any fraudulent use by a sub-account engages the liability of the main account
• A specific contract can be established for large volumes — contact us

The agent program allows local operators to offer PentrraWallet services to their clients and earn commissions on each operation performed.

• Be at least 18 years old and reside in a country eligible for the program
• Have a physical service point or an identified client network
• Complete the full KYC process with identity verification and point-of-sale photos
• Obtain explicit approval from the PentrraWallet team — no automatic activation
• Maintain behavior consistent with the platform's image and values

• Virtual Visa card creation — the agent enters the client's email and performs the operation
• Card top-up — the agent tops up a client's card from their agent balance
• Cash In (deposit) — the agent receives cash and credits the client's account
• Cash Out (withdrawal) — the agent gives cash to the client in exchange for a debit from their account

As a licensed PentrraWallet agent, you agree to comply with the following obligations:

• Serve clients honestly, transparently and without unauthorized surcharges
• Only offer official platform rates — any personal markup is prohibited without prior agreement
• Do not perform operations for third parties without their presence or explicit consent
• Maintain sufficient agent balance to honor client requests
• Immediately inform the platform of any suspicious activity or fraud attempt

• Never disclose client account or card information to third parties
• Do not retain copies of client KYC data beyond the time necessary for the operation
• Protect your platform login credentials — you are solely responsible for operations performed from your account
• Do not share your agent access with other people

• Comply with local laws and regulations applicable to your financial service activity
• Do not use the agent program to facilitate money laundering or any illegal activity
• Fully cooperate with any audit or verification request from the platform

Each operation performed by a licensed agent generates an automatic commission calculated according to the fee schedule in force on the Agent Commissions page.

• Commissions accumulate with pending status throughout the month
• Payment is automatic on the last day of each calendar month to the agent balance
• No action is required from the agent to trigger the payment
• Current month commissions cannot be withdrawn before the payment date
• In case of account suspension, pending commissions are frozen until resolution
• The platform reserves the right to modify commission rates with 7 days notice
• Commissions are calculated on the net amount of the operation, excluding platform fees

It is strictly prohibited to use :platform in the following cases:

• Money laundering, terrorist financing or any illegal activity
• Purchases of illegal substances, illicit content or prohibited services
• Circumventing international sanctions (OFAC, EU, UN)
• Creating fake accounts, identity theft or KYC fraud
• Reselling cards generated on our platform to third parties without prior agreement
• Intrusion attempts, reverse engineering or exploiting security vulnerabilities
• Any use contrary to the rules of the Visa International network
• For agents: abusive billing, fictitious operations or using the agent program for personal circumvention of limits

PentrraWallet reserves the right to suspend or terminate any account, particularly in case of:

• Violation of these T&Cs or platform policies
• Suspected or proven fraudulent activity
• Non-compliance with KYC/AML requirements
• Prolonged inactivity of more than 12 consecutive months
• User's express request

Upon termination, the remaining balance can be recovered according to the current procedure, subject to full identity verification and the absence of ongoing dispute.

PentrraWallet is committed to providing its services with the utmost care. Our liability is limited in the following cases:

• Planned or unplanned service interruptions related to technical maintenance
• Transaction declined by a third-party merchant or by the Visa network
• Losses resulting from unauthorized use of an API key or compromised card data
• USDT value fluctuations or blockchain-related delays
• Indirect damages, loss of profits or data loss

All elements of the platform — name, logo, design, source code, API, documentation — are the exclusive property of PentrraWallet.

• Any reproduction, distribution or commercial use without written authorization is prohibited
• API access does not confer any ownership rights over our systems or data
• Associated registered trademarks and domain names are protected by applicable law

PentrraWallet reserves the right to modify these T&Cs at any time. In case of substantial modification:

• You will be notified by email or via a message on the platform
• A minimum notice of 7 days will be respected before entry into force
• Continued use of the platform after this period constitutes acceptance of the new T&Cs

The current version is always accessible on this page. The update date is indicated at the top of the document.

For any question regarding these T&Cs or in case of dispute:

• Contact form: Contact page
• Legal email: support@pentrrawallet.com
• Response time: maximum 72 business hours

In case of an unresolved dispute, the competent courts of PentrraWallet's registered office will be seized, in accordance with applicable law.