Last Updated: May 19, 2026
Catena Labs, Inc. (“Catena,” “we,” “us,” or “our”) is offering you Private Access to its platform for purposes of testing its products and services (collectively referred to as the “Platform”). These Terms of Service (“Terms”) govern your participation in this Private Access program. By accessing these products and services, you (“Customer” or “you”) agree to be bound by these Terms.
The Platform is currently being offered on a limited basis. These Terms reflect the test nature of the product and may be updated as the product evolves.
1. Product Description
1.1 The Catena Platform provides Customers with the capability to (i) send, receive, and manage funds and (ii) enable AI agents to use those funds, subject to governance parameters set by you. In order to access the Platform, you may be required to provide certain personal or business information. You will also be required to authenticate to the Platform using an OAuth-based authentication.
1.2 Custodial Account. Catena will partner with Bridge, a third-party financial infrastructure provider, to provide initial onboarding. This process helps ensure that we are operating in compliance with financial services laws. Once you complete onboarding, you will receive access to an account that can (i) custody assets in USDC and (ii) send and receive fiat USD transactions. All assets can be viewed and managed within the dashboard located in the Catena Platform.
2. Private Access Program
2.1 The Platform is being provided on a limited basis for testing and feedback. The Platform is under active development and may contain bugs, errors, or incomplete features. Your feedback on any such issues will help us improve our products and services to better serve you.
2.2 In return for your participation in the Private Access program, and your provision of feedback, we are waiving all fees. If you avail yourself of third party services that are not needed for the Private Access program, you will be subject to the fees disclosed by those third party service providers.
2.3 We may pass through any blockchain network transaction fees (“gas fees”) incurred through your use of the Platform.
2.4 We may choose to discontinue or terminate the program at any time. We will of course do so in a manner that allows you to transition from our Platform with ease.
3. Wallet and Custody
3.1 Supported Assets. Your Catena account supports funding and sending in USDC and USD only. We are not responsible for any funds received in other assets, and we have no obligation to support, display, or facilitate the recovery of other assets sent to your account.
3.2 USD Account. In the spirit of transparency, you should know that any USD account associated with the Catena Platform will be be held and operated by Bridge, at their partner Lead Bank. We will facilitate your use of this USD account and provide support as needed, but the terms governing the USD account will be set by Bridge (and Lead Bank) at the time you open your account.
4. Agent Rules and Transaction Policies
4.1 You may configure rules and policies that govern how AI agents and other automated systems interact with your USDC account (and, where supported, your USD Account) through the Platform. You will be able to see all the rules and policies available during this Private Access period in your dashboard in the Platform console. Configuration of these policies and rules applicable to your AI agents will be done by you to address your specific needs and objectives.
4.2 Catena will enforce your configured policies but does not guarantee that every policy will be enforced perfectly at all times. If you ever notice an issue with policy configuration, please let us know.
5. Prohibited Conduct
5.1 Sanctions. You may not use the Platform to transact with any address or person on any sanctions list maintained by the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC), the European Union, the United Nations, or any other applicable governmental authority. You represent that you are not located in, organized under the laws of, or a resident of any comprehensively sanctioned country or territory.
5.2 Lawful Use. You may not use the Platform for any unlawful purpose, including money laundering, terrorism financing, tax evasion, fraud, or the circumvention of any applicable laws or regulations.
5.3 Compliance. You are solely responsible for complying with all applicable laws in connection with your use of the Platform. Catena does not provide legal, tax, or regulatory advice.
6. Account and Data
6.1 To use the Platform, you must create a user account authenticated via OAuth. As with any other financial services account, you are responsible for maintaining the security of your account credentials to avoid unauthorized use and other forms of loss.
6.2 In connection with providing the Platform, we collect and process information including your email address, wallet addresses, transaction activity, policy configurations, and usage data. Our collection, use, and disclosure of this information is described in our Privacy Policy, which is incorporated by reference into these Terms.
7. No Liability for Losses
7.1 You acknowledge that use of digital assets carries inherent risk, including the risk of loss. Catena is not responsible for any losses arising from your use of the Platform, including but not limited to losses resulting from market fluctuations, smart contract vulnerabilities, blockchain network failures, third-party protocol or service issues (including any issues with Bridge), your misconfiguration of policies, or compromise of your credentials.
7.2 Catena is not a bank, broker-dealer, investment adviser, money transmitter, or other licensed financial institution. Nothing in these Terms or in the operation of the Platform constitutes financial, investment, or legal advice. Any custodial financial services made available in connection with the Platform are provided by third-party financial institutions (such as Bridge) under their own terms.
8. Disclaimers
THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CATENA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE PLATFORM. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED FIVE THOUSAND U.S. DOLLARS ($5,000).
10. Indemnification
You agree to defend, indemnify, and hold harmless Catena and its officers, directors, employees, and agents from any claims, damages, or expenses (including reasonable attorneys’ fees) arising out of your breach of these Terms, your violation of applicable law, or your use of the Platform.
11. Term and Termination
11.1 These Terms are effective when you first access the Platform and will remain in effect until terminated.
11.2 Either you or Catena may terminate at any time without penalty.
11.3 Upon termination, your license to use the Platform ends. You retain full access to your account(s) and any funds therein, and will be free to transfer them off of the Catena Platform. For any USD Account held by Bridge, you can work with Bridge to move those funds, if and as desired.
12. General
12.1 Governing Law. These Terms are governed by the laws of the State of Delaware, without regard to conflict of laws principles.
12.2 Amendments. We may update these Terms from time to time. In the event of material changes, including any change that impacts your rights and obligations, we will provide you with advance notice. Continued use of the Platform after changes constitutes acceptance.
12.3 Severability. If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.
12.4 Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Catena regarding your Private Access to the Platform and supersede all prior agreements on this subject.
By using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms.