Version 1.6 — Last updated: May 23, 2026
These Terms of Service ("Terms") govern your use of the BAGHOLDER mobile application ("App"). By using the App, you agree to these Terms. If you do not agree, do not use the App.
BAGHOLDER is a software automation tool that helps you buy cryptocurrency through decentralized exchange protocols. You pick the tokens you want, set a dollar amount, confirm payment via Coinbase Onramp, and your non-custodial wallet executes the swaps on-chain. BAGHOLDER is NOT an exchange, broker, advisor, custodian, or wallet provider.
All transactions are executed through your own non-custodial embedded wallet on supported blockchain networks. We do not hold, route, custody, or process user funds at any time.
You maintain sole control of your funds through your non-custodial embedded wallet. BAGHOLDER never has access to your private keys. Your private keys are secured using advanced cryptographic techniques provided by our wallet provider. You are solely responsible for securing your device and wallet credentials.
All swap transactions are signed and submitted by your wallet. Our server facilitates payment processing only and never submits transactions on your behalf.
You must be at least 18 years old to use BAGHOLDER. By using the App, you confirm that you meet this age requirement.
BAGHOLDER is currently available in 46 U.S. states and the District of Columbia. The App is not available in New York, Connecticut, Louisiana, or Vermont due to regulatory requirements. You may not use the App if you are located in a restricted state.
You will be asked to confirm your state of residence during setup.
Platform fee: 5% per buy with a $0.50 minimum. The fee is deducted in USDC from your purchase amount after the swaps complete and sent to the platform treasury wallet on-chain. For example, on a $20 buy, the platform fee is $1.00.
Coinbase Onramp: no separate transaction fee on USDC purchases. Coinbase applies a small spread to the USDC price — that's Coinbase's pricing, not a BAGHOLDER fee — and the exact total is shown to you on the Coinbase payment page before you confirm.
Per-user purchase limits: Coinbase Onramp limits each user to $500 USD per rolling 7-day window without identity verification.
Network gas: paid by your wallet (cents or fractions of a cent on most chains). BAGHOLDER tops up your wallet’s native balance if it runs low so swaps can land.
Solana network account setup: Solana requires a one-time deposit of 0.00203928 SOL for each new token account you hold. This is a Solana protocol requirement, not a BAGHOLDER fee. It is deducted from your purchase amount and only applies to your first purchase of each token. Solana minimum purchase amounts may be higher than other chains because of token account setup costs. The minimum adjusts automatically based on the number of new tokens in your buy and current SOL price.
There are no subscription fees, hidden fees, spread markups, or minimum balance requirements. Coinbase's hosted Onramp may charge its own payment-processing fee (typically zero for Apple Pay / Coinbase balance, ~1–3% for debit card) which is shown to you on the Coinbase confirmation page before you authorize the payment.
Daily purchase limit: You set a daily investment limit (default $100, adjustable from $50 to $500) in Settings. The daily limit resets at midnight UTC. The weekly cap is fixed at $500 (Coinbase’s no-KYC ceiling) on a rolling 7-day window.
BAGHOLDER does not evaluate, endorse, or recommend any token. Tokens available in the app are automatically curated based on market capitalization, trading volume, and on-chain liquidity metrics. This automated process does not constitute a review of any token's legitimacy, team, or long-term viability.
Tokens may be added or removed at any time based on liquidity changes. A token's presence in the app is not an endorsement. You are solely responsible for researching any token before purchasing.
When you tap Buy on a token, BAGHOLDER runs safety and pre-validation checks, then creates a payment session via Coinbase Onramp. You confirm payment using your preferred method (Apple Pay, debit card, or Coinbase balance). Coinbase deposits USDC directly to your non-custodial wallet on the chain you selected. Your wallet then swaps USDC for tokens through decentralized exchange protocols. All swap transactions are signed by your own wallet — BAGHOLDER never holds, routes, or processes your funds.
Each Coinbase Onramp session is per-chain. If you want to buy tokens on multiple chains, each chain requires its own payment confirmation. If you decline or do not complete a payment session, no charge is made and no swaps execute.
If payment succeeds but a swap fails after USDC arrives, the App will automatically queue the failed swaps for retry the next time you open it. No additional payment is made for retried swaps.
For a detailed breakdown, please review the “How Your Money Moves” disclosure presented during setup.
Cryptocurrency is volatile. You may lose some or all of your purchase value.
Past performance does not guarantee future results.
BAGHOLDER does not provide financial, investment, tax, or legal advice. You should consult qualified professionals before making investment decisions.
Risks include but are not limited to:
Token liquidity on decentralized exchanges can change without notice. If a token in your bag becomes illiquid or unsupported:
BAGHOLDER monitors the trading liquidity of all supported tokens on decentralized exchanges. Only tokens with sufficient liquidity (adequate pool depth for trades up to $100 with minimal price impact) are available in the app.
If a token’s on-chain liquidity falls below our threshold, it may be temporarily removed from buys. Your bag will pause until you replace or remove the affected token.
Token availability may change at any time based on market conditions. BAGHOLDER monitors liquidity continuously and will notify you if a token in your bag is affected.
You may not use BAGHOLDER for:
BAGHOLDER relies on third-party services and decentralized exchange protocols to provide its functionality, including but not limited to:
BAGHOLDER is not affiliated with, endorsed by, or sponsored by the developers of any third-party protocol or service.
We are not responsible for the operation, availability, or security of third-party services or protocols. Your use of third-party services is subject to their respective terms and privacy policies. Please refer to our Privacy Policy for details on which services process your data.
BAGHOLDER is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or crypto assets, arising from:
Our total liability for any claim shall not exceed the fees you paid to us in the 12 months preceding the claim.
You agree to indemnify and hold harmless BAGHOLDER and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the App or violation of these Terms.
Before filing any formal dispute, you agree to contact us and allow 30 days to resolve the issue informally. Contact us through the support option in Settings.
If the dispute is not resolved informally, it shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
SMALL CLAIMS EXCEPTION: Either party may bring a qualifying claim in small claims court instead of arbitration.
CLASS ACTION WAIVER: You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.
JURY TRIAL WAIVER: You agree to waive your right to a jury trial.
These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law principles.
BAGHOLDER automatically creates an encrypted backup of your app data (purchase history, bags, and settings) to enable recovery on new devices or after reinstallation. Your data is encrypted on your device using a key derived from your wallet before being transmitted to our server. We cannot decrypt, read, or access your backup data.
On reinstall or device change, signing in with the same account recovers your wallet and automatically restores your data. Your backup is deleted when you delete your account.
You may delete your account at any time through Settings. Upon deletion, all local data is permanently erased.
We reserve the right to suspend or terminate your access if we reasonably believe you are violating these Terms or engaging in prohibited uses.
Cryptocurrency purchases are generally non-reversible once executed on the blockchain.
You can cancel a buy at any time before payment is confirmed by closing the Coinbase Onramp window. Once payment is confirmed and USDC arrives in your wallet, the buy cannot be reversed.
If payment succeeds but a swap fails after USDC arrival, the USDC remains in your wallet and the failed swap is automatically retried on your next app open.
If payment fails or is reversed by your bank or card issuer, no swap is executed and no platform fee is charged.
No refund is issued for completed purchases — once tokens are delivered to your wallet, they are yours and the platform fee is final.
BAGHOLDER may be temporarily unavailable due to maintenance, updates, or circumstances beyond our reasonable control, including but not limited to internet outages, blockchain network congestion, third-party service disruptions, natural disasters, or government actions.
BAGHOLDER requires the app to be open to execute purchases. If a purchase is interrupted (network loss, app closed mid-flow), it resumes when you reopen the app, or USDC remains in your wallet and the failed swap auto-retries.
We are not liable for any losses resulting from service unavailability or delayed execution.
The BAGHOLDER name, logo, and App design are the property of BAGHOLDER. You may not use our branding without prior written permission.
All third-party trademarks referenced in the App belong to their respective owners.
We may update these Terms from time to time. If we make material changes, you will be asked to review and accept the updated Terms before continuing to use the App.
Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full force and effect.
Entire Agreement: These Terms, together with our Privacy Policy and the "How Your Money Moves" disclosure, constitute the entire agreement between you and BAGHOLDER.
Electronic Communications: By using the App, you consent to receive communications from us electronically, including in-app notifications.
No Waiver: Our failure to enforce any provision of these Terms does not waive our right to enforce it later.
Assignment: We may assign or transfer these Terms without restriction. You may not assign your rights under these Terms.
Questions about these Terms? Contact us at:
[email protected]
getbagholder.com