Agio Digital Ltd. Prohibited Activities Policy

To ensure the integrity, legality, and security of our platform, Agio Digital Ltd. maintains a strict policy regarding the types of businesses, transactions, and users we support. The following activities and uses are strictly prohibited on our platform.

This policy applies to all users, businesses, and transactions on both the US Program and International Program, and is subject to change based on regulatory, legal, and operational requirements.

1. Prohibited Business Types

The following categories of businesses or entities are not permitted to open an account, hold a card, or transact on our platform under any circumstances:

  • Any business involved in illegal activities or products
  • Production or distribution of controlled substances without appropriate licensing, including drug paraphernalia, SARMs, peptides, and pseudo-pharmaceuticals
  • Human trafficking, prostitution, escort services, or mail-order bride operations
  • Sale or distribution of counterfeit goods or intellectual property infringement
  • Deceptive, misleading, or predatory business models, including pyramid schemes, Ponzi schemes, and multilevel marketing (MLM) operations
  • Activities involving illegal or protected digital content, including child exploitation materials
  • Political campaign fundraising or donation platforms
  • Unlicensed gambling or illegal gambling and betting operations
  • Unlicensed money services businesses (MSBs), nested banking, or nested payment processing operations
  • Arms dealing, weapons manufacturing, or businesses primarily engaged in the sale of firearms, munitions, explosives, or fireworks
  • Businesses that produce, distribute, or primarily monetize adult content, services, or classifieds
  • Hate groups or businesses that promote intolerance, violence, or hatred
  • Businesses primarily engaged in the trade of endangered or protected animals and wildlife

2. Restricted Business Activities

The following business types may be permitted only with prior review and explicit written approval. Applicants must demonstrate proper licensing, regulatory compliance, and strong internal controls:

  • Money Service Businesses (MSBs) and licensed remittance services
  • Cryptocurrency platforms and exchanges
  • Licensed gambling or fantasy sports operators
  • Charitable organizations or non-governmental organizations (NGOs)
  • Online content or creator platforms (e.g., licensed subscription-based streaming or tipping)
  • Precious metal dealers

3. Prohibited Transactions and Card Usage

The following types of transactions or card use are not permitted:

Controlled Substances and Drugs

  • Purchase or sale of illegal drugs, controlled substances, black-market items, or substances prohibited by law, including marijuana, cannabis, CBD products, SARMs, peptides, and pseudo-pharmaceuticals

Cybercrime and Dark Web

  • Payments for or involvement in cybercrime, hacking, or theft-related services
  • Transactions on dark web marketplaces

Financial Crime

  • Use of stolen, counterfeit, or unauthorized financial information
  • Predatory lending, deceptive credit repair, or abusive debt-related services
  • Services involving payday loans or unlicensed lending
  • Data brokerage services, especially those involving unauthorized or illegally obtained personal data
  • Unlicensed providers of licensed financial activities, including illegal cryptocurrency sales

Weapons and Hazardous Materials

  • Transactions related to weapons, firearms, ammunition, munitions, explosives, or fireworks
  • Poisonous or hazardous materials and chemicals without proper regulatory clearance
  • Espionage equipment, signal jammers, or signal blockers

Illegal Marketplaces and Goods

  • Unlicensed internet pharmacies or those operating outside regulated jurisdictions
  • Unlicensed or illegal auction sites
  • Counterfeit goods, unauthorized materials, or intellectual property infringement
  • Trade in human remains or body parts
  • Purchase or trade of endangered species or wildlife products

Gambling

  • Unlicensed or illegal gambling and betting transactions

Adult and Sensitive Content

  • Adult content, services, or classifieds
  • Downloading, streaming, or distributing illegal or protected digital content
  • Materials or activities promoting intolerance, violence, or hatred

Other

  • Purchase or trade of digital currencies using the Agio card (cryptocurrency purchases must use approved channels)
  • Escort services or similar platforms

4. Geographic Restrictions

Access to and use of our services — including card issuance and account opening — is restricted for residents and registered entities in the following countries due to legal, regulatory, and sanctions considerations:

  • Belarus
  • China (Mainland)
  • Cuba
  • Hong Kong
  • India
  • Iran
  • Iraq
  • Israel
  • Myanmar
  • Nepal
  • Nicaragua
  • North Korea
  • Russia
  • Syria
  • Turkey
  • Ukraine
  • Venezuela
  • Vietnam

Card spending is additionally restricted in the following countries regardless of the cardholder’s country of residence:

  • Cuba
  • Iran
  • North Korea
  • Russia
  • Syria
  • Ukraine
  • Venezuela

Residents of countries listed on international watchlists (e.g., FATF Grey List) require case-by-case review and explicit approval from Agio’s Compliance leadership before account opening.

Other jurisdictions may be restricted at our discretion or based on applicable sanctions or watchlists.

5. Enforcement and Monitoring

Agio Digital Ltd. reserves the right to monitor all activity on our platform. We may suspend or terminate accounts found to be engaging in any prohibited activity listed above, with or without prior notice.

Violations may be reported to appropriate law enforcement or regulatory agencies where required.

Contact Us

If you have questions about whether your business or transaction is permitted, please contact our compliance team at [email protected].