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Last updated: [19/05/2026]
Oobit has introduced a Rewards Programme. This means we will award you points, which you can exchange for either USDC or USDT (depending on the conditions set out in this annex), when you use Tap to Pay or engage in specified activities on our app. Other virtual assets, including other stablecoins, can be exchanged for points in the future at Oobit´s sole discretion and under the conditions set out by Oobit exclusively.
The number of points you receive will increase based on the cumulative value of the qualifying payments you make. The terms in this annex supplement our Terms of Use and explain the eligibility requirements and how rewards are accrued in this Rewards Programme.
This Rewards Programme aims to promote loyalty and the continuity of the business relationship between you and Oobit. The Rewards Programme is not intended to reduce operational costs, grant subsidies, or provide artificial incentives for the trading of cryptoassets.
The Rewards Programme does not involve any type of free distribution of prizes for advertising purposes through raffles, giveaways, contests, or similar operations. The delivery of the Rewards Programmes benefits is independent of factors such as luck and/or competition, and is therefore not subject to prior authorization, as established by Law No. 5,768, of December 20, 1971.
By participating in the Rewards Programme, you acknowledge and understand that you must comply with the terms set out in this annex.
1.1 Under the Rewards Programme we will award points to users for completing specified activities on the app such as using Tap to Pay. There are no additional fees to participate in the Rewards Programme, but Oobit’s standard transaction fees may apply.
1.2 If you meet the eligibility requirements and engage with the Oobit app by using the Tap to Pay service or completing other activities listed on the rewards page in the app, you will automatically start to collect points.
1.3 You can track your collection of points, check your current level and exchange your points for USDC/USDT on the rewards page in the app.
1.4 Once you have started collecting points, you can convert the points to either USDC or USDT (depending on the conditions provided for in this annex) through the app.
1.5 You will be entitled to convert the accumulated points for either USDC or USDT under the following conditions:
(A) If you reside in the European Economic Area, you may exchange your points for USDC.
(B) If you reside out of the European Economic Area, you may exchange your points for USDT.
1.6 You must follow the established procedures for requesting the exchange of points into rewards, and the availability of stablecoins may vary according to the programme's policies.
1.7 Once you have requested the exchange and other conditions are fulfilled, the USDC/USDT will then appear in your account balance on the app for you to use. The exchange rate for this conversion will be set by Oobit and made available to Users on the rewards page in the app. The current exchange rate is 1,000 points to USD 1, paid out in your applicable reward currency (USDC or USDT). Oobit may adjust the exchange rate from time to time upon at least 30 days' prior notice to Users. There is no threshold on the minimum number of points that must be collected before these can be exchanged for USDC/USDT, although Oobit reserves the right to introduce such a threshold on the same notice basis.
1.8 All rewards earned through the Rewards Programme will be restricted for use exclusively on Tap to Pay payments, within the app. These rewards cannot be withdrawn, transferred, or used outside the Oobit platform.
1.9 You are entitled to redeem the rewards in proportion to the points accumulated and converted, provided that you do not engage in any of the Prohibited Activities set out in Section 6 and comply with applicable laws, ensure that your registration data is up to date, and comply with the rules of the Rewards Programme.
2.1 Tap to Pay Rewards are structured into levels, with specific eligibility requirements and rewards corresponding to each level as set out in the table below.
2.2 All new users on the Oobit app will begin at level 1 of the Rewards Programme by default. If you are located in a country where the Tap to Pay service is not available, you will remain at level 1. As a level 1 user, you will earn points at a rate of 1x (one point per US dollar of Qualifying Payment value, rounded up) (the meaning of a Qualifying Payment is explained in paragraph 2.6).
2.3 Your level is determined by the cumulative US dollar value of Qualifying Payments you make within a 90-day cycle. A Qualifying Payment means a payment through the app using the Tap to Pay service of a value equivalent to at least USD 1 at the time of payment. The spend thresholds and corresponding points multipliers are: level 1 from USD 0 (1x); level 2 from USD 250 cumulative spend (2x); level 3 from USD 500 (3x); level 4 from USD 1,000 (4x); and level 5 from USD 1,500 (5x). Points for each Qualifying Payment are calculated as the US dollar value of the payment multiplied by the points-per-dollar rate of your current level, rounded up to the nearest whole point.
2.4 Your 90-day cycle begins on the date you make your first Qualifying Payment. After each completed Qualifying Payment, your cumulative spend within the current cycle is recalculated, and you will move up to the highest level whose spend threshold you have met. Moving up a level does not reset the 90-day cycle. At the end of the 90-day cycle, your level for the next cycle is set based on your cumulative spend in the cycle that just ended, and a new 90-day cycle begins. If your cumulative spend in the ending cycle was zero, your profile will reset to level 1 with no active cycle until you next make a Qualifying Payment.
2.5 For example, if you make your first Qualifying Payment on 15 March, your 90-day cycle begins on 15 March and you start at level 1, earning 1 point per US dollar (rounded up). If your cumulative spend in the cycle reaches USD 250 on 20 March, you move up to level 2 on 20 March and earn 2 points per US dollar (rounded up) on each subsequent Qualifying Payment. So, for example, a payment of USD 50 made at level 2 earns 100 points. If your cumulative spend in the cycle later reaches USD 500, you move up to level 3, and so on through level 5 at USD 1,500. Your 90-day cycle continues to run from 15 March regardless of how many times you move up a level. On 13 June (90 days after 15 March), your level for the next cycle is recalculated from your total cycle spend, and a new 90-day cycle begins.
2.6 Payments will not be considered Qualifying Payments where:
(A) you do not hold sufficient cryptoassets in your account to pay for the transaction.
(B) the merchant that you are making the payment to does not receive the payment; or
(C) you request a refund from the merchant, or your payment is reversed.
2.7 If we send you rewards and then later discover the payment to which the rewards relate was not a Qualifying Payment, we may recoup all or part of the rewards sent in relation to that payment.
2.8 You acknowledge that the points assigned to you do not constitute a discount, subsidy, or advantage on the transactions you carry out through the app. The conversion of points is independent of the pricing of transactions and is subject to Oobit's internal policies and the rules of the Rewards Programme.
2.9 The accumulation of points will begin from the moment you join the Rewards Programme in accordance with these terms and conditions set out herein. Under no circumstances you will receive retroactive points from the date of joining the Rewards Programme.
3.1 Users may be eligible to receive rewards on certain eligible transactions as follows:
(A) Stablecoin Rewards: Users will receive stablecoin rewards equal to 5% of the value of eligible transactions paid in USDT, USDR, or EURR respectively, capped at a maximum spend of USD 200;
(B) Token Rewards: Users will receive 10% token rewards on eligible transactions paid with OOB tokens, capped at a maximum spend of USD 10,000;
3.2 Oobit reserves the right to add, remove, cancel, or modify reward offers at any time, including existing reward offers, upon at least 30 days' prior notice to Users. Users agree that they will not have any right to compensation or indemnification as a result of such cancellations or changes.
3.3 All provisions set forth herein regarding the Rewards Programme shall apply to the Stablecoin Rewards and Token Rewards as applicable.
4.1 There are other ways for users to engage with the app to collect points in addition to the Tap to Pay Rewards set out above. We have described these in this section, but Oobit may add, remove, or change these rewards in its discretion at any time.
4.2 You can collect points for referring friends to use the app or completing social media engagement challenges such as following Oobit on X and on Instagram, rating the Oobit app on the app store. You do not need to use the Tap to Pay service to participate in these challenges, unless otherwise stated on the rewards page in the app.
4.3 From time to time, we may offer an additional reward if you use a specific type of cryptoasset to make a Qualifying Payment, where we will add cryptoassets to your account on the app (in addition to any points you collect in relation to that payment). The amount of the cryptoasset that we add to your account will be calculated as a percentage of the value of the Qualifying Payment that you made in the specified type of cryptoasset.
4.4 Several of our rewards are reserved for users that satisfy the criteria for certain levels in the Tap to Pay Rewards. You will automatically have access to these rewards from the rewards page on the app if you are eligible. For instance, the Stablecoin Rewards and Token Rewards described in Section 3 are available only to users at level 2 or above.
5.1 To be eligible to participate in the Rewards Programme, you must:
(A) be an existing onboarded and approved user of the Oobit app and have passed all of our onboarding, registration and Know Your Customer checks;
(B) remain at all times in compliance with our Terms of Use;
(C) have an Oobit account that is not suspended, restricted, terminated or otherwise;
(D) (in relation to Tap to Pay Rewards) make Qualifying Payments and hold sufficient cryptoassets in your account to fund those Qualifying Payments; and
(E) read, understand, and agree to the terms in this annex and the Rewards Programme FAQs as may be updated from time to time.
5.2 Your eligibility to receive rewards is at all times subject to your continuing compliance with the terms in this annex and the eligibility criteria set out above.
5.3 You represent and warrant that you meet the eligibility criteria and that your participation in the Rewards Programme will not violate any applicable laws in your respective jurisdiction, or the terms in this annex or the rights of any third party.
5.4 Notwithstanding your meeting the eligibility criteria above, we reserve the right to refuse your request to participate and/or to suspend your participation in the Rewards Programme at any time in our sole discretion, with or without notice to you, including if we suspect or find that you have acted fraudulently, dishonestly, disruptively, in bad faith, or displayed behaviour that may bring us into disgrace or disrepute. Further, we reserve the right to change the eligibility criteria at any time with or without notice to you.
5.5 Eligibility to participate in the Rewards Programme is personal, non-transferable, and does not extend to employees of Oobit or third parties directly involved in the Rewards Programme.
5.6 The points accumulated in the Rewards Programme are personal and non-transferable, and cannot be donated, assigned, rented etc. to any third parties.
5.7 Your participation in the Rewards Programme is free and is conditioned upon your express acceptance of the Terms of Use and the terms set out in this annex.
6.1 In addition to other prohibited activities set out in the Terms of Use, by participating in the Rewards Programme, you agree that you will not do any of the following:
(A) violate or breach the terms in this annex; or
(B) engage in any form of data mining, indexing, scraping, surveying, or otherwise, or use any robot, spider, or scraper with respect to the app, the Rewards Programme or any other related product, Programme or system.
7.1 The Rewards Programme is organised and provided by Oobit Technologia, a company whose registered address is Avenida Paulista, No. 91, CEP 01311-000, Bela Vista, São Paulo – SP.
7.2 Oobit will not be liable for any losses that are unforeseeable, avoidable or caused as a result of any events outside its control, whether directly or indirectly suffered.
7.3 In addition to the other rights set out in this annex and those that may be available to us, you agree that you will indemnify and hold harmless Oobit and its affiliates from any legal or monetary consequences that arise from any unauthorised participation by you in the Rewards Programme.
7.4 Points, USDC/USDT and other rewards in this Rewards Programme are awarded by Oobit in our sole discretion and as a gratuity. If for any reason a reward or part of a reward is unavailable, we reserve the right to modify the Rewards Programme in our sole discretion and award a substitute reward or portion of a reward of comparable or greater value. We have no responsibility or obligations to users that are unable to, or do not, for any reason claim or use a reward. The rewards are provided on an “as is” basis.
7.5 The value of the reward may be taxable to you as income. All tax liability and any other costs and expenses associated with claiming or using the rewards not specifically provided for in this annex are solely your responsibility.
7.6 We may decide to vary the terms of the Rewards Programme or terminate the Rewards Programme for any reason upon at least 30 days' prior notice to you. Changes will become effective on the date specified in the notice (or, if no date is specified, on the 30th day after the notice is posted). We reserve the right to cancel, suspend, modify or replace the Rewards Programme and/or the rewards in our sole discretion upon at least 30 days' prior notice to you; however, where required for regulatory or legal reasons, or to address a security or fraud risk, we may make such changes on shorter notice or with immediate effect. By using our services after changes, you agree to follow the updated terms in this annex. If you disagree, you can close your account.
7.7 If you close your account or your account becomes suspended or restricted before you receive or claim any outstanding accrued rewards, you will lose your entitlement to those rewards.
7.8 Non-compliance with any clause of the terms set out herein may result in your exclusion of the Rewards Programme and the loss of accumulated points, without the right to compensation.
7.9 Infractions to the Rewards Programme include, among others, the practice of irregular automation, market manipulation, fraudulent use of the Rewards Programme, non-compliance with the rules of the Terms of Use of Oobit and the Rewards Programme, and conduct prohibited by regulatory bodies. Penalties include warnings, loss of points, suspension, or exclusion from the Rewards Programme, without the right to compensation.
7.10 If any provision of this annex is deemed invalid or unenforceable, such provision shall be interpreted in a manner consistent with the remaining rules of the Rewards Programme and applicable laws, to reflect, to the extent possible, Oobit's original intent. The other valid provisions of the Rewards Programme rules shall remain in full force and effect.
7.11 In case of questions and inquiries regarding the benefits and/or the Rewards Programme, you may contact Customer Service at support@oobit.com.
7.12 Participation in the Rewards Programme implies knowledge and acceptance of all terms and conditions set forth in this annex, as well as in Oobit's Privacy Policy, obligating you to comply with them.
7.13 Any tolerance by Oobit regarding the non-compliance with any provision of this annex shall not imply novation or waiver of rights, so that the provision may be enforced at any time.