Tengo is a technology product: software that lets you hold assets in accounts you control and spend against them with a card. Tengo is not a bank, a custodian, a money services business, or an investment adviser, and nothing in the product is investment advice.
The Tengo card is issued through Gnosis Pay and its regulated partner (Monavate), pursuant to a license from Visa. Card issuance is subject to their eligibility rules and identity verification. Card terms of the issuer apply alongside these terms.
Your assets sit in on-chain accounts controlled by your keys. You can export your keys at any time. We cannot move your funds out of your accounts: the agent's on-chain permissions let it fund your card and manage positions inside your account, never withdraw to anyone else. And we cannot recover keys you lose — export and store them safely.
At launch, Tengo is available to residents of the European Economic Area, 18 or older, who pass identity verification. Some features are unavailable in specific countries — see the risk disclosure for the current list.
Acceptable use · fees and how they are shown · the agent's mandate and its on-chain limits · service changes and termination · liability · governing law and disputes. Each lands with counsel review before launch.