Terms of Service

This service is operated by AGGS TECHNOLOGY SERVICES CO., LIMITED ("the Company"), which is incorporated in the Hong Kong Special Administrative Region. The virtual credit card brand it operates is "RDVCC" ("the Platform").

Change of operating entity: Effective 19 August 2026, the operator of this service changed from Winvest Financial Technology Co., Ltd. to AGGS TECHNOLOGY SERVICES CO., LIMITED. All rights and obligations under these Terms and related agreements entered into before that date are assumed by AGGS TECHNOLOGY SERVICES CO., LIMITED as of the same date; your existing account, balance and services are not affected.

The Platform provides card opening, top up, spending, limit management and reconciliation services for virtual credit cards. The cards themselves are issued by an upstream licensed card issuer; the Platform acts as a compliant agent providing the front end and account management.

The Platform serves natural persons aged 18 or over, for their own lawful overseas spending, subscriptions and cross-border payments.

RDVCC provides a prepaid card service denominated in US dollars. The funds you add to your account are a prepayment for card services; your account balance is kept in US dollars and may be used only to open cards, top up cards and pay platform fees. The account balance is not a deposit, electronic money or an investment, and RDVCC pays no interest on it.

Top-ups are completed through a third-party payment processor (currently Gate Pay). When you pay with crypto assets, the payment processor receives the crypto assets and converts them to US dollars; RDVCC settles and credits your account in US dollars only. RDVCC does not receive, custody or convert any crypto assets; the receipt and conversion of crypto assets are services provided by the payment processor under its own terms of service.

• Accuracy of information: you warrant that the document used for identity verification is valid and your own, and that the registration email is used by you;
• Account security: you must keep your password and login devices safe; any loss caused by a leaked password is yours to bear;
• Lawful use: you undertake to use the virtual card only for lawful personal overseas spending, subscriptions and cross-border payments;
• Anti-fraud cooperation: you agree that the Platform may carry out reasonable risk-control review and block anomalous transactions.
• Identity verification: you must provide accurate identity information and complete identity verification when RDVCC or the card issuer requires it. If verification is not completed or false information is provided, RDVCC may restrict card opening, top-ups and refunds until verification is completed.

Using the Platform for any of the following triggers an immediate account freeze and termination of service; where a law has been broken, we report to the competent authority:

• Cashing out / withdrawing to a bank card: the Platform is a spending tool, not a currency-exchange tool;
• Money laundering or assisting it: any large operation whose source or purpose is unclear or suspicious;
• Prohibited categories: gambling, pornography, drugs, weapons, cryptocurrency exchanges and similar;
• Commercial payment-on-behalf or grey-market payments: paying on behalf of third parties, or high-risk merchants that appear to be evading supervision;
• Impersonation: registering with someone else's name or mobile number, or holding several accounts as one person;
• Fraud and chargebacks: raising false disputes or abusive chargebacks;
• Reverse engineering: penetration testing, scraping or unauthorised API calls against the Platform.

Violation handling and penalties: For transactions identified as violations by the card issuer or card network (including the prohibited scenarios above), issuer penalties are borne by the user who initiated the transaction, at USD 10 – 20 per transaction, deducted directly from your account balance. If the balance is insufficient, it becomes negative; while negative, opening cards, topping up cards and refunds are suspended, and once your deposit is credited it will automatically offset the debt first. Repeated violations will cause us to freeze cards, close cards and restrict the account.

Every fee the Platform charges is as published on the /pricing page. The main ones are:

• Top-up fee of 0.5% (flat rate, no tiers);
• card issuance fee from $1 (varies by card type and BIN, charged once);
• Card top-up fee tiered by calendar-month cumulative top-up volume, from 2% down to 0.5% (charged when topping up a card from the account balance; the tier reached applies to the whole month and any overcharge is refunded automatically);
• no monthly fee, no annual fee, no fee to close a card, no limit-change fee; refunding your account balance (prepayment refund or account closure) costs a flat $2 per refund, payment-processor fee included.
• Violation transaction penalty: issuer penalties for violation transactions are borne by the initiating user, USD 10 – 20 per transaction, deducted from the account balance (see Section 3);

If fees change, we announce it by in-app notice and email at least 7 days in advance. Completed orders are not affected retroactively.

• Funds on a card: once you close that card, its remaining limit is returned in full to your RDVCC account balance — no fee, credited in about 1-2 hours;
• Card issuance fees and card top-up fees already paid: non-refundable;
• Top-up fee: charged at 0.5% once the top-up is credited; non-refundable;
• Merchant refunds: initiated by the merchant over the original Visa / Mastercard rails (typically 7 – 30 business days to reach us); once received the funds are held by the Platform and released back to the card or your account balance after review (automatic for some card types). A refund fee applies on release, counted over a rolling 30-day window (the first 2 in the window cost $1 each; from the 3rd it is 2% / 4% / 6% by refund rate, each with a $1 minimum; a few BINs use their own refund-fee schedule as noted on the card-opening page);
• Disputed anomalies: if a charge was caused by a platform technical error, we refund it in full once verified.
• Prepayment refund: unused prepayment may be refunded on request. Refunds are paid through the original payment processor to a USDT address you designate and personally control (TRC20 / ERC20); cumulative refunds are, in principle, capped at the amount you have cumulatively topped up, and any excess is subject to manual review; the published fee (a flat $2 per refund) is deducted, and refunds are subject to limits, review and cooling-off periods. Amounts already used to open cards, top up cards or pay fees incurred are not refundable. RDVCC may hold a refund until identity verification or a risk review is completed.

The Platform follows 7×24 operating practice but makes no absolute promise of uninterrupted service. We announce planned maintenance at least 48 hours in advance. The Platform is not liable for outages caused by force majeure (natural disaster, network failure, an upstream licensed institution's outage and similar).

• Closing your account yourself: you can ask to close your account in your security settings; every card under your name must be closed first, and the closure process settles and returns your account balance together with it (a flat $2 fee per refund, payment-processor fee included); if you only want your balance back while keeping the account, use Prepayment Refund instead;
• Freezing or termination by the Platform: if you breach the "strictly prohibited conduct" in these terms, or compliance review finds high risk, the Platform may freeze or terminate your account immediately;
• After you close the account: basic account information and transaction records are retained as the law requires (see Privacy Policy §5).

The RDVCC brand, logo, site design, source code and documentation belong to the Platform. They may not be copied, redistributed or used to build derivative works without written permission.

To the maximum extent permitted by applicable law, the Platform is not liable for your indirect losses, lost opportunities or third-party recovery claims. Cumulative compensation for direct losses will not exceed the total service fees you paid the Platform over the preceding 12 months.

These terms are interpreted and enforced under the laws of the Hong Kong Special Administrative Region of the People's Republic of China. Disputes arising from them should first be settled by negotiation; failing that, they are submitted to the Hong Kong International Arbitration Centre (HKIAC) under its arbitration rules in force at the time, with Hong Kong as the seat of arbitration.

RDVCC aims to keep the service available 24×7 but does not promise 100% uptime. Service may be interrupted temporarily in the following cases:

• Planned maintenance: at most once a month, with email and in-app notice 48 hours ahead;
• Emergency security updates: we may take the service down immediately on discovering a vulnerability, and explain afterwards;
• Third-party dependency failures: indirect outages caused by the upstream licensed card issuer, a payment channel or a blockchain network;
• Force majeure: regulatory change, natural disaster, war, strikes and similar;
• Account compliance review: an individual account may be frozen temporarily for compliance reasons (usually 24-72 hours).

RDVCC is not liable for compensation where an outage is caused by force majeure or a third-party dependency failure. Losses arising during planned maintenance or an emergency shutdown are handled case by case.

If these terms change materially, we announce it by in-app notice and email at least 7 days in advance. Continuing to use the service after the change takes effect counts as acceptance of the new terms; if you disagree, you may close your account before it takes effect.

For any question about these terms, reach us through support or by email at [email protected].