Draft — under legal review. This page states how the product actually works so that nothing in it surprises you later. It is not final wording and it is not legal advice.
Last updated: 9 August 2026
hho.cash is operated from the United States. It is a self-custodial dollar wallet. Your funds live in a blockchain wallet whose keys are held by Privy's key infrastructure on your behalf — not by us. We cannot freeze your money, move it without your authorisation, or restore it if you lose access to your account.
We are not a bank. Balances are not deposits and are not insured by any deposit protection scheme.
We are not a registered investment adviser or broker-dealer. Nothing in the app or on this site is investment advice, a recommendation, or an offer to buy or sell any security. Every decision about your money is yours.
We are also not a money transmitter: we never take possession of your funds. Transfers move directly from your wallet on a public blockchain, and the server-side key we hold can only submit transactions your account has authorised, under limits enforced outside our systems.
Savings, Staking and Strategies connect you to third-party protocols. We do not guarantee any rate of return, and we do not promise that you will not lose money.
Any yield figure we show — such as "about 4% a year" for Savings or "up to 20% a year" for Strategies — is either a floating market rate that changes without notice, or a ceiling, not an expectation. Past performance does not predict future results.
Strategies trade with leverage-free perpetual futures on Hyperliquid. You can lose money, including part of what you put in. Published drawdown figures are historical and can be exceeded.
Every fee we charge is listed at hho.cash/fees. In summary: transfers are free, swaps cost 0.5% (0.25% on a plan), staking costs 0.5% a year on the position, and Savings and Strategies require a paid plan above $2,000. Third parties — card providers, exchanges, blockchain networks — charge their own fees, which we show before you confirm.
You sign in with your email through Privy. You are responsible for keeping access to that email. Deleting your account destroys your wallet key permanently — any funds left at your address become unreachable by anyone, including us. Export your private key first if you want to keep the address.
We apply transfer limits and screen destination addresses against international sanctions lists. We may refuse a transaction that fails those checks. We do not currently require identity verification to use the wallet; third-party providers you buy from may require their own.
We provide the service as-is. Blockchains, exchanges and payment providers we depend on can be slow or unavailable, and so can we. Because the wallet is self-custodial, your funds remain yours and reachable on-chain even if our service stops.
We will update these terms as the product changes. Material changes will be announced in the app before they take effect.
You must be at least 18. You may not use hho.cash if you are located in, or are a resident of, a jurisdiction subject to comprehensive US sanctions, or if you appear on any US government restricted-party list. We screen destination addresses against sanctions lists and will refuse transactions that fail those checks.
Swaps, staking, unstaking and strategy trades can be taxable events in the United States. We do not provide tax advice and we do not issue tax forms. Keeping records and reporting is yours — you can export your full activity history from the app at any time.
These terms are governed by the laws of the State of [STATE — to be completed], United States, without regard to conflict-of-law rules.
Arbitration and class-action waiver. Any dispute will be resolved by binding individual arbitration rather than in court, and you and hho.cash each waive the right to a jury trial and to participate in a class action. This clause is drafted for US practice and must be reviewed by counsel before it is relied on — an unenforceable arbitration clause is worse than none, because it creates a false expectation on both sides.
We would rather say this plainly than leave it out. hho.cash operates from the United States, and the regulatory treatment of some of what we do is unsettled or under review:
If any of this changes what we can offer, we will say so and give you time to move your money. Because the wallet is self-custodial, that is always possible without our permission.