Agent Wallet Agreement

Last Updated: March 2026

This Agent Wallet Agreement ("Agreement") is entered into between StableFi LLC, a Florida limited liability company, with its principal office at 3100 N Ocean Dr, P405, Riviera Beach, FL 33404 ("StableFi," "we," "us," or "our"), and you ("Wallet Owner," "you," or "your"), and governs the creation, management, and use of agent wallets on the StableFi platform at stablefi.ai (the "Platform"). This Agreement supplements the StableFi Terms of Service, which are incorporated herein by reference.

1. Wallet Creation & Management

Agent wallets on the Platform are created and managed via the Coinbase Developer Platform (CDP) SDK. When you register an AI agent and request wallet creation, a USDC wallet is provisioned on the Coinbase Base blockchain. Each agent may have one wallet associated with it. Wallet creation is subject to successful agent registration and verification.

2. Non-Custodial Nature

StableFi does not hold, custody, or control private keys associated with agent wallets. Private keys are generated and secured by Coinbase within Trusted Execution Environments (TEEs). StableFi acts as a technology intermediary and does not have the ability to access, transfer, or control funds in your wallet without proper authorization through the Platform's transaction mechanisms.

You acknowledge that StableFi is not a bank, custodian, or financial institution. Funds held in agent wallets are not insured by the FDIC or any other governmental agency.

3. Supported Assets & Network

Agent wallets support USDC only, on the Coinbase Base network. StableFi does not support other tokens, cryptocurrencies, or blockchain networks. Sending unsupported assets to your wallet address may result in permanent loss of those assets, for which StableFi bears no liability.

4. Risk of Loss

You bear all risk of loss associated with your agent wallet, including but not limited to:

• Loss due to transactions sent to incorrect wallet addresses
• Loss due to failed or reverted blockchain transactions
• Loss due to smart contract vulnerabilities or exploits
• Loss due to unauthorized access to your account or API keys
• Loss due to fluctuations in the value of USDC relative to fiat currencies
• Loss due to Coinbase infrastructure failures or outages
• Loss due to regulatory actions affecting USDC or the Base network

StableFi shall not be liable for any losses arising from the foregoing or any other circumstances beyond its reasonable control.

5. Trust Score

5.1 Computation

Each agent on the Platform receives a StableFi Trust Score (STS), computed from six weighted factors:

5.2 Tier System

Trust Scores map to the following tiers: Unverified (0–199), Bronze (200–399), Silver (400–599), Gold (600–799), and Platinum (800–1000). Your tier determines applicable transaction fees and spending limits.

5.3 Disclaimer

The Trust Score is an informational metric and does not constitute a guarantee, warranty, or endorsement of any agent's reliability or creditworthiness. StableFi may modify the scoring methodology at any time without notice.

6. Transaction Fee Schedule

Fees are deducted from each transaction at the time of processing. StableFi reserves the right to modify the fee schedule upon thirty (30) days' prior notice. You are additionally responsible for any blockchain network gas fees.

7. Spending Limits & Controls

StableFi may impose spending limits on agent wallets based on Trust Score tier, account age, verification level, and other risk factors. Spending limits are set at StableFi's sole discretion and may be adjusted without notice. You may request an increase in spending limits by completing additional verification steps.

8. Wallet Freezing

StableFi may freeze or restrict access to an agent wallet under the following conditions:

• Suspected or confirmed fraud, unauthorized access, or illegal activity
• Dispute rate exceeding 10% of total transactions in any rolling 30-day period
• Violation of these Terms, the Terms of Service, or any applicable agreement
• Regulatory or legal requirements, including sanctions compliance
• Excessive chargeback activity or risk indicators
• Failure to comply with verification requests

StableFi will make reasonable efforts to notify you of a wallet freeze, but reserves the right to freeze wallets without prior notice where immediate action is necessary to prevent harm.

9. Agent Verification

Agents are automatically verified upon wallet creation (basic verification). Enhanced verification may be required for higher spending limits and is available by providing additional documentation about the agent's operator, purpose, and capabilities. StableFi reserves the right to request additional verification at any time and to revoke verification status if information is found to be inaccurate.

10. Escrow Terms

10.1 Digital Goods Escrow

For transactions involving digital goods, funds may be held in escrow until delivery is confirmed by the buyer or the delivery confirmation period expires. The default escrow period is seventy-two (72) hours from transaction creation, after which funds are automatically released to the seller unless a dispute has been filed.

10.2 Escrow Limitations

Escrow is optional and must be requested at transaction creation. StableFi acts as a technology facilitator for escrow, not as a traditional escrow agent. StableFi bears no liability for the quality, accuracy, or completeness of goods or services delivered through escrow transactions.

11. Dispute Resolution Process

11.1 Filing Disputes

Buyers may file a dispute within seven (7) calendar days of a transaction. Disputes must include a description of the issue and any supporting evidence. Disputes filed after the 7-day window will not be accepted.

11.2 Auto-Refund

For disputed transactions with a total value of $100 USDC or less, StableFi may, at its sole discretion, issue an automatic refund to the buyer without requiring the seller to respond. The auto-refund amount will be debited from the seller's wallet or reserves.

11.3 Resolution

For disputes exceeding $100 USDC, StableFi will review evidence provided by both parties and render a decision within fourteen (14) business days. StableFi's dispute resolution decisions are final and binding on both parties.

12. Wallet Balances

StableFi does not pay interest on wallet balances. USDC held in agent wallets does not accrue interest, yield, or any other form of return. StableFi is not a bank and does not offer deposit accounts or interest-bearing products.

13. Disclaimers

AGENT WALLETS AND THE PLATFORM ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. STABLEFI DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

StableFi does not warrant that wallet services will be uninterrupted, error-free, or secure. StableFi does not guarantee any specific uptime for wallet services or blockchain transaction processing.

StableFi does not owe you any fiduciary duty. Nothing in this Agreement creates an advisory, fiduciary, custodial, or agency relationship.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STABLEFI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR USE OF AGENT WALLETS, INCLUDING BUT NOT LIMITED TO LOSS OF FUNDS, LOSS OF DATA, OR LOSS OF BUSINESS OPPORTUNITIES.

STABLEFI'S TOTAL AGGREGATE LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO STABLEFI IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

15. Indemnification

You agree to indemnify, defend, and hold harmless StableFi, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of agent wallets; (b) your agents' activities on the Platform; (c) your breach of this Agreement; (d) your violation of any applicable law; or (e) any dispute between you and any third party arising from wallet transactions.

16. Termination & Fund Withdrawal

16.1 Termination

Either party may terminate this Agreement upon thirty (30) days' written notice. StableFi may terminate immediately, without notice, for fraud, sanctions violations, or illegal activity.

16.2 Fund Withdrawal

Upon termination, you must withdraw all funds from your agent wallet within thirty (30) days. StableFi may hold funds for up to ninety (90) days after termination to cover pending disputes, chargebacks, or other liabilities. After the hold period, remaining funds (less any amounts owed to StableFi) will be released to an address you designate.

16.3 Abandoned Wallets

If you fail to withdraw funds within the specified period and do not respond to StableFi's attempts to contact you, remaining funds will be handled in accordance with applicable unclaimed property laws.

17. Dispute Resolution & Arbitration

Any dispute arising out of or relating to this Agreement shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules, conducted in Miami, Florida. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION.

18. General Provisions

18.1 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles.

18.2 Severability

If any provision of this Agreement is held invalid or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

18.3 Modifications

StableFi reserves the right to modify this Agreement upon thirty (30) days' prior notice. Continued use of agent wallets after the effective date constitutes acceptance.

18.4 Survival

Sections 4 (Risk of Loss), 8 (Wallet Freezing), 13 (Disclaimers), 14 (Limitation of Liability), 15 (Indemnification), 16 (Termination), and 17 (Arbitration) shall survive any termination or expiration of this Agreement.

19. Contact

If you have questions about this Agreement, please contact us at:

StableFi LLC
Email: legal@stablefi.ai
Website: stablefi.ai