Localbridge
Open an account

Terms of Service

Last updated: May 2026

1. Preamble

These Terms of Service ("Terms") govern your use of the fiat-to-crypto on/off-ramp services ("Services") provided by Local Bridge Ltd., a technical counterparty facilitating transactions between business clients and financial infrastructure. By accessing or using the Services, you ("Client" or "you") agree to be bound by these Terms and the terms of third-party service providers that Local Bridge Ltd. works with (listed in section 3 of these Terms).

2. Nature of Services

Local Bridge Ltd. provides a platform that enables business clients to convert fiat currency to stablecoins (e.g., USDC) and vice versa, as well as store and transact with stablecoins, through third-party service provider's Stablecoin Orchestration and Wallets APIs. The Services include:

  • Initiating fiat-to-stablecoin conversions via third-party service provider's infrastructure.
  • Facilitating stablecoin-to-fiat off-ramps to designated client accounts.
  • Access to custodial stablecoin wallets for storing, sending, and receiving stablecoins.
  • Providing API access for seamless integration into client systems.

Local Bridge Ltd. is not a bank, financial institution, or regulated entity and does not provide custodial, banking, or regulated financial services. All fiat conversions, stablecoin transactions, and custodial wallet services are processed and provided by regulated, licensed and authorized third-party service providers and financial institutions (listed in section 3 of these Terms).

3. Third-Party Services

Bridge Services

Fiat-to-crypto and crypto-to-fiat conversions, crypto-to-crypto transfers, and custodial stablecoin wallet services are executed and provided by Bridge Ventures LLC ("Bridge") pursuant to its User Terms and Privacy Policy, available at www.bridge.xyz/legal. By using the Services, you agree to Bridge's terms, including:

  • Opening and managing virtual bank accounts and wallets for digital currencies, including custodial ones.
  • Automatic conversion of fiat to stablecoins (e.g., USDC) upon initiating a transaction.
  • Custody of stablecoins in segregated wallets managed by Bridge.
  • Transfer of title to funds upon receipt by Bridge or you, as applicable.
  • Compliance with Bridge's KYC/AML requirements, if applicable.

For the purpose of providing services, Bridge may use the infrastructure, technologies, solutions and services of third-party providers, if this does not contradict all applicable regulatory and legal requirements and terms of service.

Financial Institutions

Certain transactions may involve licensed financial institutions, governed by their respective terms ("Financial Institution Terms"). You agree to comply with such terms when using the Services.

4. Client Responsibilities

  • Eligibility: You represent that you are a registered business entity authorized to use the Services and comply with applicable laws.
  • Funds Ownership: You warrant that all funds used in transactions are lawfully owned and not derived from illegal activities.
  • KYC/AML Compliance: You agree to provide information required by Bridge or financial institutions for KYC/AML purposes.
  • Account Security: You are responsible for securing access credentials and notifying Local Bridge Ltd. immediately of any unauthorized access at the following e-mail address: business@localbridge.com.

5. Transaction Process

  • On-Ramp: To convert fiat to stablecoins, you initiate a transaction through the Services, authorizing a chosen third-party service provider to convert fiat to stablecoins and credit them to your designated wallet. Transactions are irrevocable once initiated.
  • Off-Ramp: To convert stablecoins to fiat, you instruct a chosen third-party service provider via the Services to transfer stablecoin proceeds to your designated bank account.
  • Fees: Fees for the Services are fixed by an agreement between you and Local Bridge Ltd.. Additional fees may apply under third-party service providers' or financial institutions' terms.
  • Timing: Transaction processing times depend on third-party service providers' infrastructure and blockchain confirmation speeds, which may vary.

6. Risk Disclosures

You acknowledge the inherent risks of using cryptographic and blockchain-based systems, including:

  • Price volatility of stablecoins and digital assets.
  • Technical failures or delays in blockchain networks.
  • Regulatory changes affecting stablecoin usage.
  • Potential loss of funds due to unauthorized access or errors.

Local Bridge Ltd. and third-party service providers are not liable for losses arising from these risks or third-party actions.

7. Data Sharing

To provide the Services, Local Bridge Ltd. may share your data (e.g., transaction details, KYC information) with third-party service providers and financial institutions, subject to their privacy policies. Our Privacy Policy governs our data practices.

8. Limitation of Liability

To the fullest extent permitted by law, Local Bridge Ltd. and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from:

  • Use of the Services or third-party service providers' infrastructure.
  • Blockchain-related risks or transaction errors.
  • Actions of third parties or financial institutions.

9. Termination

You may terminate your use of the Services by notifying us in writing. Local Bridge Ltd. may terminate or suspend your access for reasons including:

  • Violation of these Terms or third-party service providers' terms.
  • Suspected illegal activity.
  • Technical or regulatory changes.

Upon termination, pending transactions will be completed or canceled, and remaining funds will be transferred to your designated account, subject to third-party service providers' terms.

10. Governing Law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of law principles. Disputes shall be resolved in the courts of the State of Delaware, USA.

11. Contact Information

For support or inquiries regarding our Services or selected third-party service-related issues, contact Local Bridge Ltd. at:

12. Amendments

Local Bridge Ltd. may update these Terms by providing notice via email or the platform. Continued use of the Services constitutes acceptance of amended Terms.