There are four main requirements for using Zirtue:

  1. You must be a United States resident and have a U.S. bank account to use Zirtue.

  2. Your Borrower or Lender is physically located in the United States.

  3. You must have a U.S. cell phone that can send/receive text messages from shortcodes.

  4. You must be at least 18 years old (or the age of majority in your state of residence)

You can find more information in our Terms of Service.

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