Terms of Use for Smart Wallets

These Tatum Smart Wallets Terms of Use (“Smart Wallets Terms”) govern your access to and use of the Tatum Smart Wallets product (“Smart Wallets” or the “Service”).

These Smart Wallets Terms supplement the Tatum Terms of Use. The Tatum Terms of Use continue to apply to your use of the Tatum platform, dashboard, APIs, SDKs, related services, and, to the extent not conflicting with these Smart Wallets Terms, your use of Smart Wallets. In the event of any conflict between these Smart Wallets Terms and the Tatum Terms of Use, these Smart Wallets Terms govern with respect to the Smart Wallets product. Capitalized terms used in these Smart Wallets Terms but not defined herein shall have meanings given to them in the Tatum Terms of Use.

By accessing, enabling, activating, integrating with, calling, or otherwise using Smart Wallets, you confirm that you have read, understood, and accepted these Smart Wallets Terms. If you do not agree with these Smart Wallets Terms, you must not access, enable, activate, integrate with, call, or otherwise use Smart Wallets.

1. Description of Smart Wallets

Tatum Smart Wallets is a non-custodial digital wallet product made available through the Tatum platform.

Tatum provides the product interface, integration layer, APIs, related tooling, and customer support. The underlying wallet infrastructure is provided by a third-party infrastructure provider.

Smart Wallets are designed to allow users to create and use non-custodial wallets without Tatum holding, controlling, or having access to user funds.

2. License and Use Restrictions

Subject to these Smart Wallets Terms and payment of the applicable Fees, Tatum grants you a non-exclusive, non-transferable, non-sublicensable (except as expressly set out below) right to access and use Smart Wallets, including any software development kit or other redistributable components made available by Tatum or its infrastructure provider (the “Wallet SDK”), solely to integrate wallet functionality into your own application (your “Application”) and, in the case of the Wallet SDK, solely in object code form.

You may grant each end user of your Application a non-transferable, non-sublicensable right to use the components of the Wallet SDK embedded in your Application, solely for such end user’s use in connection with your Application and on terms no broader than these Smart Wallets Terms; provided that you must prohibit your end users from reselling the Application.

You must not, and must not permit any third party to: (a) modify, adapt, or create derivative works of Smart Wallets or the Wallet SDK; (b) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any component of Smart Wallets or the underlying wallet infrastructure that is not provided in source code form; (c) use the Wallet SDK in or with any software other than your Application; (d) remove or alter any proprietary notices; or (e) use Smart Wallets or the Wallet SDK to develop a competing product or service.

You will ensure that your Application does not adversely affect, impede, or disrupt the functionality, stability, security, or performance of Smart Wallets, the underlying wallet infrastructure, or other applications using them, and that your Application correctly identifies itself when requesting authorization.

You will take reasonable steps to prevent unauthorized access to or use of Smart Wallets or the Wallet SDK occurring through your Application or your end users, will promptly notify Tatum in writing of any such unauthorized access or use that comes to your attention, and will reasonably cooperate with Tatum and its infrastructure provider to bring it to an end.

3. Fees and Payments

Tatum will charge usage-based fees for the use of Smart Wallets as indicated at https://tatum.io/pricing (“Fees”). The Fees will be charged on a monthly basis based on your actual usage of Smart Wallets in the preceding month. The Fees are payable within 7 days from when we notify you of your previous month’s Fees via email or the Tatum platform.

4. Non-Custodial Nature of the Service

Smart Wallets are non-custodial. Tatum does not hold, control, or have access to your digital assets, private keys, complete wallet credentials, or recovery credentials.

Tatum cannot initiate, approve, sign, reverse, recover, or modify transactions on your behalf. Tatum also cannot move, freeze, seize, or otherwise control digital assets held in your wallet.

You remain solely responsible for maintaining access to your wallet, your device, your recovery method, your backup credentials, and for verifying all transaction details before confirmation.

5. Your Responsibility for Wallet Access and Transactions

You are responsible for securing your device, accounts, authentication methods, and any backup or recovery credentials associated with your Smart Wallet.

If you lose access to your device, recovery method, backup credentials, or any other required wallet access mechanism, your wallet may become permanently inaccessible. In such case, neither Tatum nor its infrastructure provider may be able to restore access to your wallet or recover any digital assets.

Blockchain transactions are final and irreversible once signed and broadcast to the applicable blockchain network. You are solely responsible for verifying wallet addresses, transaction amounts, network selection, fees, and all other transaction details before confirming a transaction.

Tatum is not responsible for losses resulting from user error, incorrect wallet addresses, compromised devices, compromised accounts, lost credentials, lost backups, unauthorized access to your device or recovery method, or transactions you initiate or approve.

6. Your Compliance and Regulated Activities

Neither Tatum nor its infrastructure provider is a licensed or registered money transmitter, money services business, custodian, or provider of any other service that requires a financial services license, registration, or other authorization under applicable law. If your use of Smart Wallets or the operation of your Application involves any such regulated activity, that activity is performed solely by you.

You are solely responsible for obtaining and maintaining all governmental, regulatory, and other legally required licenses, registrations, permits, and authorizations needed to: (a) conduct your business; (b) operate, market, and provide your Application in each relevant jurisdiction; and (c) perform your obligations in connection with any transaction effected by you or your end users through your Application. You will comply with all applicable laws in your use of Smart Wallets.

7. Third-Party Infrastructure Provider

The underlying wallet technology supporting Smart Wallets is provided by Portal Labs, Inc., a third-party infrastructure provider.

Tatum provides the product interface, integration layer, APIs, related tooling, and customer support. However, Tatum does not control Portal Labs’ systems and is not responsible for their availability, performance, security, or continued operation, except to the extent expressly required by applicable law or a separate written agreement.

The infrastructure provider may use secure enclave technology and other technical security controls as part of the underlying wallet infrastructure. Additional information about these controls may be available in the provider’s public security materials or in Tatum’s Smart Wallets documentation.

Additional information about Portal Labs, including information about its security practices, privacy practices, and publicly available customer terms, is available on Portal Labs’ website:

• Portal Labs Security:
• Portal Labs Privacy Policy:
• Portal Labs Customer Terms & Conditions:

These external materials are provided for transparency only. They do not modify these Smart Wallets Terms, the Tatum Terms of Use, or the contractual relationship between you and Tatum, unless expressly stated otherwise.

Use of Smart Wallets may involve technical processing by Portal Labs to the extent necessary to provide, secure, monitor, and support the underlying wallet infrastructure.

No reference to Portal Labs’ materials should be interpreted as creating a direct contractual relationship between you and Portal Labs, or as making Portal Labs’ terms automatically part of these Smart Wallets Terms.

8. Service Availability and Third-Party Dependencies

Smart Wallets may depend on third-party systems, blockchain networks, wallet infrastructure, cloud providers, authentication providers, and other external services.

Tatum does not guarantee that Smart Wallets will be uninterrupted, error-free, or available at all times. Service availability may be affected by blockchain network congestion, outages, maintenance, third-party provider issues, security incidents, regulatory requirements, or other circumstances outside Tatum’s control.

Tatum may modify, suspend, restrict, or discontinue Smart Wallets, or any part of the Service, in accordance with the Tatum Terms of Use, these Smart Wallets Terms, applicable law, or changes to third-party infrastructure.

Any general discontinuation of Smart Wallets is subject to Section 9 (Discontinuation of Smart Wallets; Wallet Export).

9. Discontinuation of Smart Wallets; Wallet Export

Digital assets associated with a Smart Wallet are recorded on the applicable blockchain network. They are not held by Tatum or its infrastructure provider, and a discontinuation of Smart Wallets does not itself affect the existence or ownership of those digital assets.

If Tatum decides to discontinue Smart Wallets generally, Tatum will give you at least thirty (30) days’ prior notice via email or the Tatum platform, except where earlier discontinuation is required by applicable law, regulatory or governmental action, a security incident, or the termination or unavailability of third-party infrastructure outside Tatum’s control, in which case Tatum will give as much notice as is reasonably practicable.

For a period of at least thirty (30) days from such notice, or such shorter period as circumstances outside Tatum’s control permit (the “Export Window”), the wallet export functionality made available through Smart Wallets (including the eject functionality provided by the underlying wallet infrastructure) will remain available so that you and your end users can export each wallet’s private key or otherwise migrate wallets to another wallet solution. Tatum will provide reasonable instructions for the export process.

You are responsible for completing the export or migration of wallets, and for procuring that your end users do so, before the end of the Export Window. After the Export Window, wallets that have not been exported or migrated may become permanently inaccessible, and Tatum will not be liable for any resulting loss where notice was given in accordance with this Section.

Exporting a wallet converts it from a multi-party computation (MPC) architecture into a single private key. From the moment of export, the security protections of the split-key architecture no longer apply, and you or your end user (as applicable) are solely responsible for safeguarding the exported private key.

10. Suspension or Termination of Access

Tatum may suspend, restrict, or terminate your access to the Smart Wallets interface, APIs, dashboard functionality, or related Tatum services if you violate these Smart Wallets Terms, the Tatum Terms of Use, applicable law, sanctions requirements, or if continued access creates legal, security, operational, or compliance risk.

Any suspension, restriction, or termination applies only to your access to the Tatum platform, interface, APIs, and related services. It does not affect your ownership of digital assets held in your wallet.

Because Smart Wallets are non-custodial, Tatum does not have the ability to seize, move, reverse, recover, or otherwise control digital assets held in your wallet.

11. Prohibited Use

You must not use Smart Wallets for any unlawful, fraudulent, abusive, or prohibited activity, including money laundering, terrorist financing, sanctions evasion, fraud, market manipulation, scams, theft, or any activity that violates applicable law or the Tatum Terms of Use.

You must not use Smart Wallets if you are subject to applicable sanctions, located in a restricted jurisdiction, or otherwise prohibited from using the Service under applicable law.

Tatum may restrict or terminate access to Smart Wallets where required by law, legal process, sanctions obligations, internal risk controls, or third-party infrastructure requirements.

You must comply with all applicable export control and economic sanctions laws, including the U.S. Export Administration Regulations, in connection with your use of Smart Wallets and the operation of your Application.

12. Legal and Investigative Requests

Tatum may preserve, disclose, or provide information available to it where required by applicable law, valid legal process, regulatory request, court order, or request from a competent authority.

Such information may include, to the extent available to Tatum or its infrastructure provider, customer account records, wallet creation metadata, service logs, signing event metadata, transaction records processed through the Service, and other information available in connection with the Service.

Tatum may cooperate with its infrastructure provider where necessary to respond to lawful investigative, regulatory, or legal requests.

This does not mean that Tatum or its infrastructure provider has custody of, access to, or control over user funds, private keys, complete wallet credentials, or recovery credentials.

13. Data and Privacy

Tatum processes personal data in accordance with its Privacy Policy.

Use of Smart Wallets may involve processing of certain technical data by Tatum and its third-party infrastructure provider as necessary to provide, secure, monitor, and support the Service. Such data may include technical logs, wallet creation metadata, signing event metadata, device or session information, and other service-related information.

You grant Tatum and its infrastructure provider the right to process data provided or generated through your use of Smart Wallets, including the technical data described above, to provide, secure, monitor, support, and bill for the Service, and to create aggregated or de-identified usage data used to operate and improve the Service.

You must not transmit, upload, or otherwise make available through Smart Wallets any personal data beyond what is strictly required to use the Service (such as account credentials), nor any health information, payment card or financial account data, or government-issued identification numbers. Tatum or its infrastructure provider may delete any such data without notice.

Tatum does not sell your personal data to third parties.

14. Indemnification

You will indemnify, defend, and hold harmless Tatum and its affiliates from and against any third-party claims, and all resulting liabilities, damages, settlements, costs, and reasonable attorneys’ fees, arising from or in connection with: (a) your Application, including its operation, marketing, and content; (b) any representation, warranty, or commitment you make to your end users or any other third party that goes beyond these Smart Wallets Terms; (c) your or your end users’ violation of applicable law, including any activity requiring a financial services license, registration, or authorization; (d) transactions effected by you or your end users through your Application; or (e) your breach of these Smart Wallets Terms or the Tatum Terms of Use.

15. Limitation of Liability

To the fullest extent permitted by applicable law, Tatum’s aggregate liability for all claims arising out of or relating to Smart Wallets or these Smart Wallets Terms, whether in contract, tort, or otherwise, will not exceed the total Fees paid by you for Smart Wallets in the six (6) months immediately preceding the event first giving rise to the liability.

To the fullest extent permitted by applicable law, Tatum will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, goodwill, or data, even if advised of the possibility of such damages. Nothing in this Section limits any liability that cannot be limited under applicable law, including liability arising from gross negligence, willful misconduct, or fraud. With respect to Smart Wallets, this Section applies in addition to, and prevails over, any conflicting limitation in the Tatum Terms of Use.

16. No Financial, Legal, Investment, or Tax Advice

Tatum is not a bank, custodian, broker, exchange, investment advisor, financial advisor, legal advisor, or tax advisor.

Smart Wallets are provided as developer tooling and wallet infrastructure functionality. Nothing in Smart Wallets, the Tatum platform, documentation, dashboard, support communications, or related materials constitutes financial, investment, legal, tax, or regulatory advice.

You are solely responsible for evaluating the risks of holding, sending, receiving, or otherwise interacting with digital assets.

17. Risk of Loss

Digital assets involve significant risk. The value of digital assets may fluctuate significantly and may result in partial or complete loss of value.

You acknowledge and accept the risk of loss arising from, including but not limited to:

• loss of access to your wallet, wallet secrets, device, recovery method, or backup credentials;
• compromised devices, accounts, credentials, authentication methods, or recovery methods;
• incorrect wallet addresses, incorrect network selection, or user transaction errors;
• unauthorized transactions caused by compromise of your device, credentials, or recovery method;
• blockchain network failures, congestion, forks, bugs, exploits, or protocol changes;
• third-party infrastructure failures, outages, vulnerabilities, or security incidents;
• regulatory, legal, tax, or compliance consequences related to your use of digital assets;
• changes in the market value, liquidity, or availability of digital assets.

To the fullest extent permitted by applicable law, Tatum is not liable for any loss of digital assets or loss of wallet access resulting from circumstances outside Tatum’s direct control, user error, compromised credentials, compromised devices, third-party infrastructure issues, blockchain network issues, or risks inherent to digital assets.

18. Relationship to Documentation

Tatum may provide documentation, product guides, FAQs, security overviews, technical explanations, or other materials describing how Smart Wallets work.

Such materials are provided for informational and explanatory purposes only. They do not modify these Smart Wallets Terms or the Tatum Terms of Use unless expressly stated.

19. Acceptance

By accessing, enabling, activating, integrating with, calling, or otherwise using Smart Wallets, you confirm that:

• you have read and accepted these Smart Wallets Terms and the Tatum Terms of Use;
• you understand that Smart Wallets are non-custodial;
• you understand that Tatum does not hold, control, or have access to your funds, private keys, complete wallet credentials, recovery credentials, or wallet shares;
• you understand that neither Tatum nor its infrastructure provider can independently initiate, approve, or sign transactions on your behalf;
• you understand that Tatum cannot reverse, recover, or modify blockchain transactions;
• you understand that the Service relies on third-party infrastructure;
• you are solely responsible for securing your device, recovery method, credentials, wallet access, and transaction approvals.

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If you do not agree with these Smart Wallets Terms, you must not access, enable, activate, integrate with, call, or otherwise use Smart Wallets.

20. Contact

Questions about Smart Wallets or these Smart Wallets Terms may be sent to support@tatum.io.