Terms of service

By creating an account, signing in, or using mymula.io — including the PWA, Telegram Mini App, Discord Activity, or the MCP connector — you agree to these terms and to our privacy policy.

How the product works is described in How Mula works. If something here conflicts with a later in-app disclosure for a specific feature (for example a quote you confirm), that disclosure applies to that action.

“Mula”, “we”, and “us” means the operator of mymula.io. Mula is software for the onchain economy. It is not a licensed bank, not an authorised payment institution, and not a broker-dealer. Crypto assets held in your wallet are not deposits and are not covered by deposit-protection schemes.

Mula gives you a self-custodial wallet, familiar tools (send, receive, swap, earn), optional Mula agents, and a way to connect Claude or ChatGPT. Surfaces include the website and PWA, Telegram Mini App, Discord Activity, and mymula.io/mcp. Telegram and Discord chat bots are for reads and signals. They do not send or swap from the chat.

Features can be gated, paused, or unfinished. The card, some chains, and some funding rails may be described before they are live. We will not treat a documented “not live yet” feature as available.

The wallet created on sign-in is yours. Identity, keys, balances, and signing live with Privy. Mula does not hold your private keys and cannot move funds unless you sign, or you grant a capped, revocable permission (copy, autopay, or an MCP session).

• Export, import, and connecting an external wallet happen only in Settings — never in chat, bots, or MCP.
• You are responsible for devices, passkeys, and export material you choose to keep.
• Onchain transactions are typically irreversible. We cannot reverse a confirmed send or swap.

You must be at least 18 and legally able to enter this agreement. You must not use Mula if you are in a prohibited jurisdiction, on a sanctions list, or otherwise barred from using crypto services. You are responsible for local law, tax, and reporting.

You sign in with email, passkey, Apple, Google, Telegram, Discord, Farcaster, an existing wallet, or as a guest. You can link more methods later. Keep your login and MFA under your control. Tell us through Chat if you believe someone else has access.

We may refuse, suspend, or close access where we reasonably believe there is fraud, abuse, legal risk, or a breach of these terms.

Reads (balances, activity, deposit addresses, treasury) can be instant. Money moves follow quote → you confirm → passkey (or another MFA you enrolled). MCP write tools use the same pattern: the assistant shows a quote; you confirm and complete passkey verification in Mula before anything is sent.

Primary rail is USDC on Base. Other assets and chains may be available for receive, send, or swap as we turn them on. Quotes, rates, and gas sponsorship can change and can fail. A failed venue or RPC is not a Mula guarantee of execution.

Mula agents (including Mula Spot, Perps, Memes, and Predictions) trade from their own wallets. Following an agent grants a dollar-capped, revocable permission on your wallet — not a blank cheque. You grant that permission once in Settings (Allow agent to sign). Follow switches after that pause and resume without a new passkey. You can revoke it under Autopay & permissions.

Past PnL on the treasury page is not a promise of future results. Agents can lose some or all of that limit. Memes and predictions are high risk. Paper or flagged modes are not live venue fills.

Any debit card described in the product is intended to spend from a yield vault at purchase, not a preloaded balance. Issuing is not live. These terms do not give you a right to a card until we offer one and you accept any extra card terms.

We may charge fees on swaps, transfers, copy, or other actions. Fee bps, if any, are shown in the quote you confirm. Network fees, venue fees, and third-party spreads are separate. We can change our fees; the quote at confirm time is what you agree to for that action.

Mula relies on others to run. They have their own terms. That includes, without limitation:

• Privy — identity, wallets, signing, policies, KYC/KYB.
• Neon — product-state database (not a balance ledger).
• Vercel — hosting and AI gateway for chat.
• Stripe — fiat on-ramp where enabled.
• Apple, Google, Telegram, Discord, Farcaster — sign-in and, where you use them, those apps.
• Trading and prediction venues (including Hyperliquid and Polymarket) and bridges or RPCs we route through.
• Anthropic (Claude) and OpenAI (ChatGPT) when you connect MCP. Those assistants are not Mula. You are responsible for what you ask them to do.

Do not use Mula to:

• Break the law, evade sanctions, or launder funds.
• Attack, scrape in an abusive way, or interfere with the service or other users.
• Bypass confirmations, passkeys, or spending caps, or attempt to extract keys from chat, bots, or MCP.
• Impersonate Mula, misrepresent agent performance, or use the service to harm others.

Crypto is volatile. You can lose some or all of what you put on chain. Smart contracts, bridges, venues, and stablecoins can fail, freeze, or depeg. Copy trading and perps can magnify losses. Mula does not guarantee prices, uptime, or solvency of any token or venue.

Nothing in Mula — including chat, agents, the treasury, or an assistant connected over MCP — is investment, legal, or tax advice. You decide whether to sign. Research tokens and venues yourself.

We provide Mula “as is”. Maintenance, incidents, chain congestion, or a provider outage can delay or block actions. We may throttle, geo-restrict, or retire a surface.

The Mula name, mark, lockup, and product UI are ours. You may not copy the service or use our marks in a way that suggests sponsorship. You keep rights in content you submit (for example a display name); you grant us a licence to use it to operate Mula.

You can stop using Mula at any time. Sign out in Settings. Because the wallet is yours, closing the Mula account does not by itself move or destroy onchain assets — export or transfer first if you need to leave with funds. We may suspend or terminate access for breach, risk, or if we shut the service down. We will try to give notice where reasonable.

To the fullest extent allowed by law, Mula is not liable for lost profits, lost crypto, failed transactions, venue or protocol losses, or indirect or consequential damage. Our total liability for claims arising out of the service is limited to the greater of (a) fees you paid us for the service in the 12 months before the claim, or (b) USD 100.

Nothing here limits liability that cannot be limited — including death or personal injury caused by negligence, or fraud. If you are a consumer, you keep rights that mandatory law does not let you waive.

These terms are governed by the laws of England and Wales, except where mandatory consumer law in your country says otherwise. If a dispute cannot be resolved, the courts of England and Wales have jurisdiction, again except where that mandatory law requires otherwise.

We may update these terms. The effective date at the top will change. Continued use after a change means you accept the new terms. Material changes will be posted on this page.

Questions about these terms: ask in Chat, or start from Home. Privacy requests are described in the privacy policy.