1. Eligible jurisdictions
Blinka serves businesses worldwide. Card issuance, card usage, and virtual accounts are each subject to a list of restricted jurisdictions maintained by our card issuer and the card networks, and the three lists are not identical: a country may be eligible for a virtual account but not for card issuance. These lists change. Rather than reproduce a snapshot that would fall out of date, we apply the issuer’s current restrictions at the time of each application and each transaction:- We confirm jurisdictional eligibility during onboarding, before a card is issued. If your jurisdiction is restricted for a product, we will tell you before issuance rather than after.
- We will decline any transaction involving a jurisdiction that is restricted at the time of the transaction.
- You can ask us which restrictions currently apply to your business at any time by contacting support@blinka.co.
- Located in, ordinarily resident in, or organized under the laws of a jurisdiction subject to comprehensive United States sanctions.
- Identified on any United States government restricted-party list, including the OFAC Specially Designated Nationals and Blocked Persons List, or owned or controlled by any such person.
2. Cardholder prohibitions
You may not hold or use a Blinka Card if you are, or are acting on behalf of a business engaged in:- Distribution of illegal substances or controlled drugs without proper licensing.
- Human trafficking, prostitution, or escort services.
- Sale of counterfeit or unauthorized goods.
- Pyramid schemes, Ponzi schemes, or other deceptive practices.
- Production or distribution of illegal digital content, including child exploitation material.
- Political campaign fundraising, political action committees, or donation platforms.
3. Spending prohibitions
You may not use a Blinka Card for any transaction involving:- Purchase or trade of digital currencies.
- Drug-related purchases, including marijuana, cannabis, CBD, and black-market items.
- Payments on dark web marketplaces, or for hacking or cybercrime services.
- Internet pharmacies that are unlicensed or operate outside regulated jurisdictions.
- Firearms, ammunition, or explosives.
- Hazardous materials and chemicals without proper regulatory clearance.
- Escort services or similar platforms.
- Unlicensed or illegal auction sites.
- Unregulated lending or payday loan services.
- Data brokerage services, particularly those involving unauthorized personal data.
- Purchase or trade of endangered species or wildlife products.
- Any expense that is not a business expense incurred for the benefit of the Company, and any personal, family, or household expense.
The prohibition on purchasing or trading digital currencies is a restriction on card spending. It does not affect funding your Blinka account or holding a stablecoin balance, which are governed by the Blinka Terms of Service.
4. Virtual account prohibitions
You may not use a Blinka account, wallet, or virtual account for a business engaged in:- Illegal or controlled substance manufacturing or distribution, including drug paraphernalia, SARMs, peptides, and pseudo-pharmaceuticals.
- Human trafficking, escort services, or mail-order bride operations.
- Sale of counterfeit or unauthorized goods, or infringement of intellectual property.
- Pyramid schemes, Ponzi schemes, multilevel marketing, or other deceptive practices.
- Production or distribution of illegal or protected digital content, including child sexual abuse material.
- Illegal gambling, or unlicensed gambling and betting operations.
- Unlicensed money services businesses, nested banking, or nested payment processing operations.
- Weapons, arms dealing or manufacturing, firearms, munitions, explosives, or fireworks.
- Adult content, services, or classifieds.
- Hate groups, or businesses promoting intolerance, violence, or hatred.
- Trade in endangered or protected animals and wildlife.
- Abortion-related services.
- Direct marketing.
5. Prohibited account activity
You may not use a Blinka account, wallet, or virtual account in connection with:- Unlicensed or illegal gambling and betting.
- Drug-related transactions, including controlled substances, drug paraphernalia, SARMs, peptides, and pseudo-pharmaceuticals.
- Transactions on dark web marketplaces, or for hacking, cybercrime, or theft-related services.
- Predatory lending, deceptive credit repair, or abusive debt-related services.
- Unlicensed provision of licensed activities, including illegal cryptocurrency sales.
- Weapons, firearms, munitions, explosives, or fireworks where restricted.
- Poisonous or hazardous materials without proper regulatory clearance.
- Espionage equipment, and signal jammers or blockers.
- Escort services or similar platforms.
- Adult content, services, or classifieds.
- Downloading, streaming, or distributing illegal or protected digital content.
- Counterfeit goods or materials, or infringement of intellectual property.
- Trade in human remains or body parts.
- Materials or activities promoting intolerance, violence, or hatred.
- Purchase or trade of endangered species or wildlife products.
- Abortion-related services.
- Direct marketing.
- Money laundering, terrorist financing, or any activity designed to evade sanctions screening, reporting, or recordkeeping obligations, including structuring, layering, or disguising the origin, destination, or purpose of funds.
- Any attempt to circumvent the security of the Blinka platform, obtain unauthorized access to another user’s account, or interfere with the operation of the Services.