The short version of how Desklink works. Summary terms, last updated 13 November 2026.
1. Who we are
Desklink L.L.C-FZ is a software company registered in Meydan Free Zone, Dubai, UAE (licence 2534481.01), at Meydan Grandstand, 6th floor, Meydan Road, Nad Al Sheba, Dubai. Desklink is not a bank, payment institution or card issuer.
2. Who issues your card
Your Desklink card is issued by our licensed card-issuing partner. Desklink provides the app and software you use to manage it. The partner's own cardholder rules also apply to your card.
3. Desklink never holds your money
When you add money, your stablecoins go straight to your own wallet at our card-issuing partner, not to Desklink. Your card balance and wallet balance are held by the partner. Desklink cannot move, spend or withdraw your funds.
4. Fees and how Desklink is paid
Every fee is shown before you confirm and listed on the Fees page. The partner's fees pass through unchanged, and Desklink earns a commission on top: 2% of each top-up (included in the 5% top-up fee), and 1% on every other partner fee. That means a new card costs $10.10 ($10.00 partner, $0.10 Desklink), each approved payment $0.2525 ($0.25 partner, $0.0025 Desklink), merchant refunds 9% (8% partner, 1% Desklink) and moving card money back to your wallet 1.5% (0.5% partner, 1% Desklink). Amounts below one cent are tracked exactly and collected in whole cents as they add up. There are no monthly fees.
5. Identity checks
You must be 18 or over and pass identity verification before a card is issued. Desklink reviews the ID you upload, and our partner may ask for more information.
6. Card restrictions and freezes
The card cannot be used for gambling, crypto purchases, gift cards, money transfers or in restricted countries, including from VPN connections in those countries. If the partner detects such a payment it may freeze the card and return the card balance to your wallet. You can freeze and unfreeze your own card at any time in the app.
7. Refunds, disputes and support
Merchant refunds are credited to your card minus a 9% handling fee (8% partner, 1% Desklink). For a disputed payment or any problem, contact accounts@desklink.dev and we will work with our partner to resolve it.
8. Your data
We collect only what is needed to run your account and verify you, store it encrypted, share it only with our card-issuing partner and as the law requires, and never sell it.
9. Changes
We will tell you at least 30 days before any fee or material change to these terms.