Changes in v1.2 (October 2026): current partners and fees; Earn described as access to a Jupiter Lend USDC vault with the vault tokens held in your own wallet; referral program added; liability, changes and termination clauses aligned with German law; right of withdrawal, governing law and dispute resolution added; card program and fixed yield figures removed.
1) What Rampa is
Rampa is a non-custodial technology platform that lets you hold, send, save and convert digital dollars (USDC) on the Solana blockchain, and connect to licensed partners to load money into your wallet or cash it out to a bank account.
Your wallet is a self-custody wallet created with multi-party computation (MPC) technology provided by Para. Only you can authorize transactions from it. Lafitech UG cannot move your funds, sign transactions on your behalf or reverse them.
Lafitech UG does not hold customer funds, does not operate payment or bank accounts for customers and does not itself provide regulated custody, payment, exchange or investment services. Those services are provided by the partners described in Section 2.
These Terms govern your use of the Rampa app and website. By creating an account you accept them.
2) Third-party providers
Some features are provided by independent third parties under their own terms and privacy policies, which you accept separately when you use them:
• Para — wallet infrastructure and sign-in.
• Sumsub — identity verification and sanctions screening.
• Transak and Noah — loading money and cashing out in Europe and North America, including payouts, depending on your country.
• Koywe — loading money and cashing out in Latin America.
• Jupiter — token swaps and the Jupiter Lend protocol used by Earn.
• RebelFi — technical integration of Earn with Jupiter Lend.
• Triton — blockchain infrastructure (RPC) that connects the app to the Solana network.
The partner that provides a service is responsible for it, including its own identity checks, limits, processing times and decisions to accept or reject an order. Lafitech UG may add, replace or remove partners. We will show you which partner provides a service before you use it.
3) Eligibility and availability
To use Rampa you must:
• be at least 18 years old and able to enter into a binding contract;
• not be subject to sanctions or otherwise prohibited by law from using the services; and
• use Rampa from a country where it is available.
Rampa is available only in the countries where it is offered in the app stores, and individual features may be available only in some of them. We may block access from countries where we or our partners cannot offer the service.
4) Your account and identity verification
You must provide accurate information and keep it up to date. Some features, such as loading money, cashing out or Earn, require identity verification. Verification is carried out by Sumsub and, where they require it, by the partner that provides the feature. If verification is not completed or is declined, those features are not available to you.
You may have only one account. You are responsible for keeping your devices, sign-in methods and recovery factors secure. Tell us immediately at hello@rampa.cash if you suspect unauthorized access.
5) Your wallet and your responsibilities
Because your wallet is self-custodial:
• you alone authorize every transaction;
• blockchain transactions are final and cannot be reversed once confirmed;
• funds sent to a wrong address or wrong network are usually lost, so always check the recipient before you confirm; and
• if you lose access to your devices and recovery factors, we may not be able to help you recover your wallet.
You must not use Rampa for unlawful purposes, sanctions evasion or to infringe the rights of others.
6) Sending, loading and cashing out money
Sending: you can send USDC to other Rampa users and to other Solana wallets. Transfers between Rampa wallets are free; Solana network fees, if any, are covered or shown before you confirm.
Loading money (on-ramp) and cashing out (off-ramp): these orders are executed by the partner shown in the app. The exchange rate, fees, limits and expected processing time are shown before you confirm. Once you confirm, the order is between you and that partner. Processing times depend on the partner and on the banks involved.
7) Earn
Earn lets you deposit USDC from your wallet into a USDC lending vault of Jupiter Lend, a third-party protocol on the Solana blockchain. In return your wallet receives Jupiter Lend vault tokens that represent your share of the vault. These tokens stay in your own wallet. Lafitech UG and RebelFi do not hold, control or invest your funds, and cannot move them.
Returns: the vault pays a variable return set by the protocol according to supply and demand. It can change at any time and can fall to zero. Past returns do not indicate future returns, and no return is guaranteed. RebelFi and Lafitech UG retain a small share of the protocol's return as their fee. The rate shown in the app is the rate you receive after this share.
Withdrawals: there is no lock-up period, and you can normally withdraw at any time. Withdrawals depend on the liquidity available in the vault and on network conditions, so in exceptional cases they may be delayed.
Risks: Earn involves smart-contract and protocol risk, liquidity risk, the risk that USDC loses its peg to the US dollar, and regulatory risk. You could lose part or all of the amount you deposit. Earn is not a bank deposit and is not covered by any deposit guarantee scheme.
Earn is not investment advice and Lafitech UG does not manage your assets. Earn may not be available in every country.
8) Fees
Creating an account and holding a wallet are free. The fees for each order are always shown in the app before you confirm it. Current fees:
• Transfers between Rampa wallets: free.
• Loading money in Europe: €1 + 0.6% of the amount.
• Loading money in Latin America: 1% of the amount.
• Cashing out to a bank account in Latin America: 1% of the amount.
• Swaps: the fee shown in the app before you confirm.
• Earn: no separate fee; a share of the protocol's return is retained as described in Section 7.
Partners may apply their own exchange rates or spreads, which are included in the price shown before you confirm. We will inform you of fee changes in the app before they apply to new orders.
9) Referral program
You can invite others with your personal code or link. If someone creates an account with your code, we record that link. People you invite are never shown your data, and you only see aggregated numbers about your invitations.
Any rewards, their conditions and their duration are shown in the app before they apply. We may change or end the program for the future. You may share your code only with people you know, through your own channels; spam, fake accounts and self-referrals are not allowed and may lead to the loss of rewards.
10) No custody and no advice
Lafitech UG does not hold your funds and does not provide investment, financial, tax or legal advice. Prices, rates, educational content and labels in the app are for information only and are not recommendations. You decide whether a transaction suits you.
11) Risks
Digital assets and the protocols they run on involve risks, including software errors, network outages, changes in value, stablecoins losing their peg and changes in law. Only use amounts you can afford to hold under these conditions. Earn-specific risks are described in Section 7.
12) Prohibited use
You must not:
• break the law or sanctions rules, or use Rampa for money laundering or fraud;
• create accounts for others, use false identities or bypass geographic restrictions;
• interfere with the security or operation of Rampa; or
• copy, reverse-engineer or misuse the app, except where the law allows it.
13) Suspension and termination
You can close your account at any time in the app or by writing to hello@rampa.cash. Funds in your wallet remain yours; withdraw or move them before closing.
We can end this agreement with two months' notice. We can suspend or close your account immediately for good cause, in particular if you seriously breach these Terms, if required by law or by a partner, or to prevent fraud or harm. Where the law allows, we will tell you the reason.
14) Intellectual property
The Rampa app, website, brand and content belong to Lafitech UG or its licensors. You receive a personal, non-transferable right to use the app for as long as this agreement lasts.
15) Liability
Lafitech UG is liable without limitation for intent and gross negligence, for injury to life, body or health, under the German Product Liability Act and where it has given a guarantee.
For simple negligence, Lafitech UG is liable only for breach of an essential contractual obligation, meaning an obligation whose fulfilment makes proper performance of the contract possible and on which you may regularly rely. In that case liability is limited to the typical damage foreseeable when the contract was concluded.
Lafitech UG is not responsible for the services of third-party providers described in Section 2, for blockchain networks or protocols it does not control, or for losses caused by transactions you authorized, unless Lafitech UG caused the loss through its own breach under the rules above.
16) Right of withdrawal
If you are a consumer, you have the right to withdraw from this agreement within 14 days without giving any reason. The withdrawal period is 14 days from the day the agreement is concluded, which is the day you create your account.
To exercise the right of withdrawal, you must inform Lafitech UG, Arnulfstr. 171, 80634 Munich, Germany, hello@rampa.cash, by a clear statement (for example an email). You can use the model form below, but you do not have to. Sending your notice before the period ends is enough.
Effects of withdrawal: if you withdraw, we will refund any payments received from you without undue delay and at the latest within 14 days, using the same means of payment, at no cost to you. Using the app and the wallet is free, so normally there is nothing to refund. Orders you have already completed with partners and blockchain transactions you have already authorized cannot be reversed by the withdrawal; for orders with partners, the partner's own withdrawal rules apply.
Model withdrawal form
(Complete and return this form only if you wish to withdraw from the agreement.)
To: Lafitech UG (haftungsbeschränkt), Arnulfstr. 171, 80634 Munich, Germany, hello@rampa.cash
I hereby withdraw from the agreement for the use of the Rampa app.
Account created on:
Name:
Email used for the account:
Date:
Signature (only if sent on paper):
17) Changes to these Terms
We may change these Terms for valid reasons, such as new features, changes in law or changes by our partners. We will inform you in the app or by email at least six weeks before a change takes effect. If you do not agree, you can close your account free of charge before that date.
Changes to essential parts of the agreement, such as the scope of the services or the fees, apply only if you actively accept them. Changes to the functions of the app that are offered free of charge can take effect without your acceptance.
18) Governing law and disputes
These Terms are governed by German law. If you are a consumer, this does not take away the protection of the mandatory consumer law of the country where you habitually live.
If you are a merchant, the courts of Munich have exclusive jurisdiction. For consumers, the statutory rules on jurisdiction apply.
Lafitech UG is neither willing nor obliged to take part in dispute resolution proceedings before a consumer arbitration board. If you have a complaint, write to hello@rampa.cash and we will try to solve it with you.
19) Privacy
How we process personal data is explained in our Privacy Policy at rampa.cash/privacy-policy.
20) Language and contact
These Terms are available in English and Spanish. If the versions differ, the English version prevails, unless mandatory law requires otherwise. If any provision is invalid, the rest of these Terms remains in force.
Questions: Lafitech UG (haftungsbeschränkt), Arnulfstr. 171, 80634 Munich, Germany — hello@rampa.cash.