Stablecard Money20/20 Promotional Offer

STABLECARD MONEY20/20 PROMOTIONAL OFFER – TERMS AND CONDITIONS

Last Updated: October 16, 2026

1. The Offer

Eligible new Stablecard cardholders who complete sign-up in person at Money20/20 can receive up to $40 in promotional credits added to their Stablecard spending power:

  • $20 Welcome Credit when your card is created after you sign up and complete identity verification at the event.
  • $20 Spend Credit after you make at least $12.00 in eligible purchases with your Stablecard by 11:59 PM Pacific Time on October 21, 2026.

The credits are not USDPT or any other digital asset, have no cash value, and cannot be withdrawn or transferred. Downloading the app does not guarantee card approval. By accepting the Promotional Offer or any promotional credit, you agree to be bound by these Terms and Conditions.

2. Sponsor and Card Issuer

This offer is sponsored and funded by Western Union Financial Services, Inc., 7001 East Belleview Avenue Denver, Colorado 80237, United States (“Sponsor”). The Stablecard is a credit card issued by Third National pursuant to a license from Visa. The Stablecard app is provided by Western Union. Visa and Money20/20 are not sponsors of this offer and are not responsible for it.

3. Offer Period

Sign-up must be completed in person at the Rain booth at Money20/20 USA in Las Vegas between 10:00 AM PT on October 20, 2026 and 2:00 PM PT on October 20, 2026. The offer ends at 11:59 PM Pacific Time on October 21, 2026 (the “Offer Period”).

4. Who Is Eligible

To receive the credits, you must:

  • download the Stablecard app in person at the event by scanning the QR code provided at the Rain booth;
  • complete identity verification (KYC) and be approved for a Stablecard while at the event during the Offer Period;
  • be at least 18 years old, or the age of majority where you live if higher;
  • be a new Stablecard customer who has not previously held a Stablecard; and
  • keep your card account open and in good standing when each spend credit is applied.

People who download the app or apply outside the event, including by scanning the QR code from a photo, post, or other copy, are not eligible. Employees of Sponsor, Rain, Western Union, and their agencies are not eligible. Void where prohibited by law.

5. App Download Is Not Card Approval

Downloading the app or starting an application does not open a card account. All applications are subject to identity verification, eligibility checks, and the Stablecard Cardholder Agreement. If you are not approved during the event, you will not receive any credit under this offer.

6. How the Credits Work

Welcome Credit. $20 is added to your Stablecard spending power when your card is created, after you meet the requirements in Section 4.

Spend Credit. $20 is added to your Stablecard spending power after your eligible purchases total at least $12.00, net of returns and reversals, between your card creation and 11:59 PM Pacific Time on October 21, 2026. Purchases count toward the $12.00 whether or not they use the Welcome Credit.

Credits are applied automatically after you qualify. The maximum total is $40 per person.

7. Eligible Purchases

Eligible purchases are purchases of goods or services made with your Stablecard at merchants that accept Visa. The following do not count:

  • cash advances, ATM withdrawals, and cash back;
  • cash-like transactions such as money orders, gift cards, prepaid card loads, and gambling;
  • purchases of cryptocurrency, stablecoins, or other digital assets;
  • transfers, person-to-person payments, and wallet or collateral funding;
  • fees and interest; and
  • transactions that are declined, refunded, reversed, disputed, or fraudulent.

8. What the Credits Are and Are Not

The credits are promotional credits, stated in U.S. dollars, added to the spending power on your Stablecard credit card account. They can only be used for purchases with your Stablecard.

The credits are not USDPT or any other digital asset, are not deposited to your wallet or added to your collateral, and are not interest or yield for holding any digital asset. Unless the law requires otherwise, the credits have no cash value and cannot be redeemed for cash, withdrawn, transferred, sold, or exchanged.

Credits applied to your account do not expire. Eligibility to earn credits ends when the Offer Period ends.

9. When Credits May Be Withheld or Reversed

We may withhold a credit, or reverse a credit already applied, at our sole discretion, including if:

  • your account is closed or not in good standing before the credit is applied;
  • refunds or reversals bring your eligible purchases below $12.00 within 7 days after the Spend Credit is applied (only the Spend Credit is affected); or
  • you give false information, open more than one account, or otherwise engage in fraud or abuse of this offer.

If your account closes for any other reason after a credit has been applied, the credit will not be refunded and cannot be withdrawn.

10. Changes to the Offer

We may change, suspend, or end this offer at any time without notice, including if required by law, if we detect fraud or abuse, or if a technical issue outside our control affects it. Changes will not reduce credits you already earned, except as described in Section 9.

11. Taxes

You are responsible for any taxes that apply to credits you receive. Please consult a tax advisor.

12. Other Terms

Your card account is governed by the Stablecard Cardholder Agreement. If these terms conflict with that agreement on how this offer works, these terms control. Personal information is handled under the Privacy Policy at https://westernunionstablecardlegal.com/privacy-policy-english. These terms are governed by Puerto Rico law, and disputes are resolved as set out in your Cardholder Agreement.

Questions about this offer: Please access the Help Menu inside the Stablecard mobile app.