Legal

Terms and ConditionsPrivacy policyCookie policyAuthorized User Business TermsCustomer agreementE-SignProhibited Activities Policy

Cards

US Consumer TermsUS Business TermsInternational Consumer TermsInternational Business TermsAccount Opening Privacy Notice

Endl SPEND CARD TERMS

Effective as of February 16, 2026

These Endl Spend Card Terms (the “Card Terms”) are a binding agreement between you (“you” or “your”) and the Issuer (“we”, “us”, or “our”) that governs your use of the Endl Spend Cards, including the process for obtaining and managing Endl Spend Cards, access to which is provided to you by Zayment Finance SP ZOO (“Endl”).

Important Disclosures

PLEASE REVIEW THE ARBITRATION CLAUSE AND NOTICES SET FORTH BELOW IN SECTION 16. BY USING THE CARD, YOU ARE AGREEING TO THE ARBITRATION CLAUSE AND NOTICES SET FORTH IN THAT SECTION. THE ARBITRATION CLAUSE WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS PROCEEDING.

Rates, fees, and other important information about your Endl Spend Card (“Card” or “Endl Card”) are set forth in these Important Disclosures.

Interest Rates and Interest Charges

Interest Rates and Interest Charges 0%.

Annual Percentage Rate (APR) for Purchases 0%

Your Endl Card is currently Zero (0) % interest on all purchases. Issuer and Endl reserve the right to implement interest in the future, for new purchases. Endl will disclose any changes to this agreement prior to the introduction of interest and other charges associated with your Endl Card.

Fees

Transaction Fee

Foreign Purchases

  • Foreign Exchange Fee (non-USD): up to 3%
  • Cross Border Fee: up to 3%

Penalty Fees

  • Late payment: Up to $40
  • Returned payment: Up to $29

WHEN YOU APPLY FOR A CARD ACCOUNT, ACTIVATE A CARD, OR OTHERWISE PARTICIPATE IN THE PROGRAM IN ANY WAY, YOU REPRESENT THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE ISSUING TERMS.

Background

The Endl Card is provided to you on behalf of Endl in connection with your status as a Endl customer. Your relationship with Endl in connection with platform access and related services (“Services”) is governed solely by the Endl platform Terms of Service (“User Terms” or Endl User Terms”) which constitute a separate agreement between you and Endl. The Issuer is not a party to the Endl User Terms and disclaims any liability for the performance of services covered therein. In the event of a conflict between these Card Terms and your User Terms, these Card Terms will control.

Endl is providing access to a Endl Spend Account (“Account” or “Endl Account”) for purposes of facilitating transactions you make using one or more Cards for transactions up to the applicable credit limit. You understand that you have access to the Services and Endl Card only to the extent authorized by the Endl. You acknowledge and agree that Endl will satisfy obligations created through your use of the Endl Card and you will repay Partner based on the terms of your User Terms, subject to these Card Terms.

You understand that the Endl Card is not intended for personal, consumer, or household use and you agree you will only use the Endl Card for commercial or business purposes.

Details on Endl’s collection, use, and handling of your personal data are described in Endl Privacy Policy. Please review it carefully and contact Endl if you have any questions. By opening, using, or maintaining a Card, you consent to and direct Issuer to share information relating to transactions, including receipt information or other personal data, in order to deliver the Services.

Issuer

The card program is issued by the Issuer under license from Visa. The information about the cost of the Card described in the above table is accurate as of February 16, 2026. This information may change after that date. To find out what may have changed, call or write the servicer, at support@endl.app and +44 7479 377555.

Issuer reserves the right to amend these Card Terms or impose additional obligations or restrictions on you at any time with or without notice to you. By continuing to use the Services, you agree to be bound by such amendments or additional obligations or restrictions. The date on the top of this page shows when the Card Terms were last updated. Capitalized terms that are not defined here have the definitions provided in the User Terms.

Endl provides technology services in connection with the Endl Card, and is not a bank, credit union, or money services business and does not itself extend credit, set interest rates, determine repayment terms or hold Collateral. Nothing in these Card Terms shall be construed as creating a lender-borrower relationship between you and Endl.

You acknowledge and agree that Endl:

is an express third-party beneficiary of these Card Terms, with the limited right to enforce obligations that directly relate to its role;

is not responsible for any decisions by the Issuer to approve, decline, suspend or close your Card account. Endl may, at the request of the Issuer, the payment network or a regulatory authority, suspend or restrict your access to the Endl platform or certain features, to protect against fraud, comply with applicable laws or manage program risk;

does not control and is not responsible for the operation, security, or performance of the smart contracts used to hold your Collateral; and

is not responsible for merchant acceptance of your Endl Card or for resolving disputes about goods or services purchased with the Endl Card.

Defined Terms

“Authorized User(s)” means one or more individuals authorized to use the Endl Card and Account on your behalf.

“Card Networks” means the payment card networks including Visa or Mastercard.

“Charge” means a payment for goods or services made to a merchant that accepts payments on the applicable Card Network.

“Chargeback” means a dispute that you initiate against a merchant for an unresolved dispute with the merchant or where a Charge is unauthorized.

“Linked Wallet” means the primary wallet that is connected as a settlement source for your Endl Card and which may or may not enable you to access your Endl Account and Endl Card.

“Fee” means charges we impose on you for use of Services or your use of a Endl Card.

“Issuer” refers to Third National, including its affiliates, successors, and assigns.

“Periodic Statement” means the periodic statements that reflect activity for all Cards issued to you identifying charges, fees, refunds, or other amounts owed or credited to your Endl Account during the time covered by that statement.

“Supported Blockchains” means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks. We may update this list of Supported Blockchains at any time and at our sole discretion.

Agreement

1. Accepting this Agreement & Eligibility

These Card Terms become effective and legally binding when you activate or create your Card by following the instructions on the Endl platform. You and we agree to comply with, and be bound by, this entire agreement. You should retain and carefully review these Card Terms. By creating a Card, you agree to the Arbitration Clause below as it pertains to this agreement, even if you do not use the Account or the Card.

By using a Card you represent and warrant in your individual capacity that:

  • You are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Office of Foreign Asset Controls (OFAC).
  • You will use the Services exclusively for purposes permitted by these Card Terms.
  • All information you provide to us, either directly or through Partner, is and will be true, correct, and complete.
  • You will not use the Endl Card for personal, family, or household use.
  • You will only use the Endl Card in compliance with applicable law.
  • You attest that you were not solicited for this product.

Governing Law

These Card Terms will be interpreted in accordance with the laws of Puerto Rico without regard to conflict-of-law provisions. Judicial proceedings (other than small claims actions) that are excluded from the Arbitration section below must be brought in state or federal court in Puerto Rico, unless we both agree in writing to some other location, and you hereby consent to the venue and personal jurisdiction of such court.