Last updated: May 20, 2026
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This document applies to U.S. Persons and U.S. residents. Financial services in the United States are provided exclusively by Bridge Ventures, LLC (NMLS #2450917), a licensed money transmitter.
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This OSMO United States Supplement (the "Supplement") describes the relationship between OSMO and Bridge Ventures, LLC ("Bridge") with respect to the OSMO platform when used by individuals who are U.S. Persons or who reside in the United States of America (the "United States" or "U.S."). This Supplement is provided by HODL Group LLC, a Wyoming limited liability company doing business under the brand "OSMO" (collectively with its subsidiaries and affiliates, "OSMO" or the "Platform"). OSMO operates the domain osmomoney.com and related mobile applications.
This Supplement is not a standalone agreement for financial services. The financial services accessed by U.S. users through the OSMO Platform — including money transmission, custody of fiat balances, custody of stablecoins, virtual asset services, and U.S. dollar virtual accounts — are provided exclusively by Bridge under its money transmission licenses and regulatory authorizations in the United States. As a condition of accessing any such financial services through the OSMO Platform, you must separately agree to and accept Bridge's Terms of Service, Privacy Policy, and any other applicable Bridge agreements (collectively, the "Bridge Terms"). The Bridge Terms govern your contractual relationship with Bridge for all financial services.
By using the OSMO Platform as a U.S. Person or U.S. resident, you acknowledge and agree that: (i) you have read, understood, and accepted this Supplement; (ii) you have separately entered into and agreed to the Bridge Terms; and (iii) the Bridge Terms control with respect to the financial services provided to you by Bridge.
The purpose of this Supplement is to provide transparency to U.S. users regarding:
(a) The roles of OSMO and Bridge in the delivery of services;
(b) The fact that HODL Group LLC and its Latin American subsidiaries do not provide financial services to U.S. Persons or U.S. residents; and
(c) The U.S.-specific terms, disclosures, and disclaimers applicable to the use of the OSMO Platform by U.S. users.
This Supplement applies in addition to, and not in lieu of, the Bridge Terms. To the extent of any conflict between this Supplement and the Bridge Terms with respect to financial services, the Bridge Terms shall control. To the extent of any conflict between this Supplement and the general OSMO Terms and Conditions published by HODL Group LLC or its subsidiaries (the "OSMO General Terms") with respect to a U.S. user, this Supplement shall control.
OSMO is a brand and technology platform operated by HODL Group LLC, a financial technology company organized under the laws of the State of Wyoming, United States of America. HODL Group LLC is not a bank, does not take deposits from the public, and does not engage in financial intermediation in any jurisdiction. HODL Group LLC is a technology provider; it does not transmit money, custody fiat balances, or provide virtual asset services to U.S. Persons.
OSMO operates through regional subsidiaries and regulated partners in each jurisdiction where it provides services. The OSMO Platform functions as an embedded finance marketplace.
In the United States, all financial services made available through the OSMO Platform are provided by Bridge Ventures, LLC through its operating entity Bridge Building Inc (NMLS #2450917), a money transmitter licensed in forty-nine (49) U.S. states.