This Account Agreement (“Agreement”) contains important information regarding the QuantumFi Freedom Account offered by QuantumFi Global (“QuantumFi,” “we,” “our,” or “us”). This Agreement outlines the terms and conditions governing your use of the QuantumFi Freedom Account and all services, features, and functionalities made available through the associated platform. By opening, maintaining, or using a QuantumFi Freedom Account, you (“you,” “your,” or “Account Holder”) acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement, including any applicable fees, limitations, and legal disclosures as outlined herein.
Please review this Agreement carefully and retain a copy for your records. If you have any questions, we encourage you to contact QuantumFi Global customer support.
1. Account Overview
The QuantumFi Freedom Account is a comprehensive digital financial solution combining features of a traditional checking account, a secured credit card, an international multi-currency wallet, and a cryptocurrency trading interface. The account is intended for use by both individuals and legal entities seeking modern banking functionality across jurisdictions.
QuantumFi Global acts as a technology service provider in partnership with regulated financial institutions. While QuantumFi is not itself a licensed bank or depository institution, it enables access to financial services through its partner institutions and integrated fintech infrastructure.
Please Note: The QuantumFi Freedom Account is a bundled financial service solution. All features are provided as a single, integrated offering. No component is sold or billed separately. The account is non-refundable under any circumstance. This includes failure to pass identity verification (KYC) or non-use of services. All fees are final and non-refundable.
2. Description of Services and Features
2.1 Hybrid Secured Credit Card
Your QuantumFi Freedom Account includes a secured hybrid credit card that offers the convenience of a prepaid debit card with the additional benefits of a credit-backed instrument. The card is secured by a cash deposit held on your behalf, which functions as collateral and establishes the credit limit.
Key Features of the Hybrid Card Include:
Guaranteed approval with no credit check
Globally accepted at merchants and ATMs where Visa or Mastercard is supported
Ability to load and reload funds at your discretion
Instant crypto-to-card loading functionality
Enhanced privacy with no reporting to credit bureaus
Mobile wallet compatibility (Apple Pay, Google Pay)
2.2 Multi-Currency and IBAN Banking Services
As a QuantumFi Freedom Account holder, you gain access to a powerful suite of banking tools designed for international use:
Access to single currency accounts (up to ten distinct currencies)
Multi-currency wallets supporting thirty or more global currencies
Direct IBAN account numbers for local and cross-border transactions
SWIFT, SEPA, ACH, and local payment processing
External bank account linking through secure third-party integrations (e.g., Plaid)
Real-time transaction monitoring and smart analytics dashboard
2.3 Digital Asset and Cryptocurrency Integration
QuantumFi offers a robust digital asset interface integrated directly into your Freedom Account. Users may:
Buy, sell, and hold cryptocurrencies within the account interface
Convert between crypto and fiat currencies with live exchange rates
Transfer digital assets directly to secured card for immediate use
Access historical transaction data for tax and reporting purposes
2.4 E-Wallet and Payment Capabilities
Peer-to-peer (P2P) transfers between QuantumFi users
On/off toggle controls for card security and usage
Companion cards for authorized users
24/7 access to online and mobile banking
Concierge and travel-related support services
3. Banking-as-a-Service (BAAS) Platform Terms
QuantumFi provides Banking-as-a-Service capabilities via its cloud-based platform in collaboration with regulated Tier 1 banking and financial institutions. The BAAS platform allows users to access financial products and services digitally, subject to compliance and operational procedures.
3.1 Platform Role and Disclosures: QuantumFi serves as a technology facilitator and does not provide banking services in a licensed capacity. All account operations are performed in accordance with the policies and infrastructure of our banking partners. You acknowledge that QuantumFi does not hold or manage user funds directly.
3.2 Availability of Services: Platform services are made available during standard business hours in accordance with our banking partners' schedules. Some services may be available in real time; however, transaction processing timelines are subject to settlement periods of up to forty-eight (48) business hours. Timelines may be extended due to third-party issues, compliance reviews, or fraud prevention.
3.3 User Responsibilities and Acknowledgments:
As an account holder, you agree to:
Ensure that Know Your Customer (KYC) and compliance requirements are fulfilled
Provide accurate and verifiable information for transactions
Monitor your account for updates, transaction notifications, and security alerts
Accept full liability for errors resulting from incorrect inputs or misuse of the platform
3.4 Platform Interruptions and Force Majeure: QuantumFi does not guarantee uninterrupted access to the BAAS platform. Scheduled maintenance, third-party outages, cyberattacks, regulatory interventions, or natural disasters may interrupt service. The platform should not be used for time-sensitive financial obligations or critical payment deadlines.
3.5 Limitation of Liability: QuantumFi and its affiliates shall not be held liable for any damages, including but not limited to:
Delayed transaction processing
Lost revenue or opportunity cost due to platform issues
Regulatory holds or rejected transactions
User-initiated errors or omissions
Technical or systems failures beyond QuantumFi’s control
3.6 Tax Compliance: It is your sole responsibility to determine and comply with any tax obligations resulting from your use of the platform, including income or gains derived from referrals, bonuses, or cryptocurrency transactions.
4. Fees, Charges, and Cost Disclosures
QuantumFi believes in full transparency. Below is a detailed schedule of all fees associated with the QuantumFi Freedom Account. Fees are denominated in U.S. Dollars (USD) and may be amended with notice.
4.1 Account Setup and Maintenance
Service Description
Fee
Ewallet Activation Fee (One-Time)
$5.95
Wallet Bank Account Setup Fee (One-Time)
$5.00
Annual Account Service Fee
$50.00
Monthly Ewallet Maintenance Fee
$3.00
Monthly Wallet Account Fee
$3.00
Card Maintenance Fee
$3.95 (Plastic) / $3.00 (Virtual)
4.2 Cardholder Fees and Usage
Transaction Type
Fee
POS/Online Purchase
$0.30 (Plastic) / $0.50 (Digital Wallets)
ATM Cash Withdrawal
$2.50 per withdrawal
ATM Balance Inquiry
$1.00 per inquiry
Wallet to Card Transfer
$1.00 per transfer
Crypto to Card Transfer (Instant)
1.50% of transfer amount
Card Load Fee
2.00% of load amount
Foreign Currency Purchase or ATM Fee
1.50%
4.3 Banking Transfer Services
Transfer Type
Fee
Ewallet to Wallet Bank Account
$1.82
Wallet Bank Account to External Bank
$1.82
External Bank to Wallet
$1.82
Platform Deposit Fee (Money-In)
1.00%
Domestic ACH (U.S. only)
$1.82
International ACH (Local Currency)
$5.00
Outbound Wire (SWIFT or Fedwire)
$50.00
Paper Check (U.S./Canada only)
$5.00 per item
Peer-to-Peer Transfers (Ewallet to Ewallet)
$1.25 per transfer
4.4 Inactivity and Dormancy
Condition
Fee
Dormancy Fee (No activity for 120 days)
$19.95
5. General Legal Terms and Conditions
5.1 Changes to this Agreement: QuantumFi reserves the right to modify the terms, features, or fees outlined in this Agreement at any time. We will notify you of material changes in advance through your registered communication method.
5.2 Eligibility and Compliance: Account opening and continued use is contingent upon successful identity verification and ongoing compliance monitoring. QuantumFi may suspend or terminate access to services in the event of suspected fraud, regulatory violations, or noncompliance. Failure to complete KYC or verification does not entitle the user to any refund.
5.3 User Responsibility: You are solely responsible for ensuring sufficient account funding and for monitoring your account regularly. You must report any suspicious or unauthorized activity immediately to avoid liability.
5.4 Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the jurisdiction(s) in which QuantumFi Global and its partners operate.
6. Customer Service and Contact Information
If you require support or have any questions regarding your account, please contact us:
By opening, accessing, or using the QuantumFi Freedom Account or any associated services, you acknowledge that you have read and understood this Agreement, including all disclosures, fees, rights, and obligations. You further affirm that you accept these terms as binding and agree to comply with all applicable laws, regulations, and operational protocols as defined by QuantumFi Global and its banking partners.
You understand that the QuantumFi Freedom Account is a bundled, non-refundable financial product and that failure to complete identity verification or access specific services does not warrant a refund under any circumstances.
Thank you for choosing QuantumFi Global. We look forward to serving your financial needs.
