If a rip app shuts down, who has your card?

4 of the 27 apps we rate say in their terms what happens to stored cards if the company fails. Pick an app to see who holds the card, who holds title and what its terms say. Not legal advice.

By Alexander Korsager · Checked 7 October 2026 · We earn nothing from any app on this site

have a closure clause4 of 27

say the card is yours10 of 27

keep title until it ships6 of 27

PhygitalsReview

You

The appA vault company

CARD

Holds the cardPartner vaults: PSA, Fanatics and Alt

Title

Holds titleYou

If the app closes3 months to claim; you pay shipping

27 apps, three questions

Each answer is from the app's own terms, or its help page where the answer says so, opened on 7 October 2026. Tap any answer for the words and the page.

What each app's terms say about a stored card if the app closes
App	Who holds the card	Title while it is stored	If the app closes
Phygitals	Holds the card Partner vaults: PSA, Fanatics and Alt Read on the operator's own page “Physical cards are stored with independent vault partners (PSA, Fanatics, and Alt), each of which operates independently of Phygitals.” The terms add that the cards sit “in Phygitals' vault accounts on behalf of users”, so the vault's own customer is Phygitals. Checked 7 Oct 2026. Open the source	TitleYours You Read on the operator's own page “You retain full legal title and ownership of your physical cards at all times. Phygitals holds possession as custodial agent only.” Checked 7 Oct 2026. Open the source	If it closesClause 3 months to claim; you pay shipping Read on the operator's own page “Users will have three (3) months from the date of notification to initiate the return process and reclaim their physical assets.” The only app read that gives the subject a page of its own. Its Terms of Service are more guarded: a claim window is “subject to applicable legal constraints, court orders, and the rights of creditors under insolvency proceedings”. If a vault partner fails, it “will use commercially reasonable efforts to transfer affected cards to an alternative vault partner”. Checked 7 Oct 2026. Open the source
Courtyard	Holds the card Courtyard, with storage partners it does not name Read on the operator's own page “Courtyard represents that all Assets are and will remain in the constructive possession of Courtyard” The same clause refers to “partnerships with best-in-class providers of asset storage and shipping services”. No vault company is named in the terms. Checked 7 Oct 2026. Open the source	TitleYours You, through the token Read on the operator's own page “each Asset is owned by the then-current owner of the corresponding Courtyard NFT” Checked 7 Oct 2026. Open the source	If it closesClause 3 months to claim; you pay shipping Read on the operator's own page “In the event of insolvency, bankruptcy, or the cessation of Courtyard’s business operations, we have established procedures to ensure the return of physical assets entrusted to us by our users.” The clause sits at the end of the terms' section on user conduct, not under a heading of its own. Checked 7 Oct 2026. Open the source
Beezie	Holds the card Brink's, on Beezie's FAQ Read on the operator's own page “Our vault partner is Brink's.” Beezie's statement, not checked with Brink's. The Terms of Use name no vault company: a seller's card is at the seller's risk “until received by Beezie at its vaulted storage facility”. Checked 7 Oct 2026. Open the source	TitleYours You, through the token Read on the operator's own page “Ownership of the Asset is transferred from the Seller to the purchaser of the Beezie NFT (the “Buyer”) upon sale.” The same terms add that Beezie itself does “not transfer legal ownership of Assets from the Seller to the Buyer”: the transfer is between seller and buyer. The closure clause speaks of “the rightful owners”. Checked 7 Oct 2026. Open the source	If it closesClause 3 months to claim; you pay shipping Read on the operator's own page “In the event of insolvency, bankruptcy, or the cessation of Beezie’s business operations, we have established procedures to ensure the return of physical assets vaulted on behalf of our users.” Near word for word the clause in Courtyard's terms. Checked 7 Oct 2026. Open the source
rip.fun	Holds the card rip.fun, with storage partners it does not name Read on the operator's own page “the storage of Assets on behalf of the then-current owner of the corresponding ripdotfun NFT” The terms refer to “partnerships with best-in-class providers of asset storage and shipping services” and name none. Checked 7 Oct 2026. Open the source	TitleImplied Only implied Read on the operator's own page “Each Asset is owned by the individual or entity offering such Asset for sale” The terms state the seller's ownership and speak of the “then-current owner” of the token. The closure clause returns assets to “their respective owners”. Checked 7 Oct 2026. Open the source	If it closesClause 3 months to claim; you pay shipping Read on the operator's own page “The return process must be initiated within three (3) months after the announcement of insolvency, bankruptcy, or business cessation” Checked 7 Oct 2026. Open the source
Arena Club	Holds the card Arena Club's own vault, in Oregon Read on the operator's own page “a physical safety vault whereby we will securely hold custody of a Registered User’s (defined below) collectible trading cards” The tax section of the same terms gives the place: “Oregon, where our Vault is located”. Checked 7 Oct 2026. Open the source	TitleYours You Read on the operator's own page “Arena Club does not take ownership of a Registered User’s items stored in its vault.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it The terms do have a clause for the customer going quiet: after 12 months of no activity and 3 months of no reply, vaulted items “will be forfeited by you”. Checked 7 Oct 2026. Open the source
Ripit	Holds the card A vault at PSA, on Ripit's help page Read on the operator's own page “Ripit has a vault at PSA that stores all slabs ripped on the platform.” The Terms of Service name no vault company: cards are “stored in climate-controlled, secure facilities maintained by Ripit or its third-party service providers”. Checked 7 Oct 2026. Open the source	TitleYours You, as bailor Read on the operator's own page “The vault storage relationship is a bailment for mutual benefit. You (the bailor) retain ownership of your vaulted Items.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
Collector Crypt	Holds the card A third-party vault, not named Read on the operator's own page “Company will facilitate transactions relating to the Asset, but will at no times be a physical custodian of the Asset.” The terms define the vault only as “a third-party entity designated to maintain physical custody of the Asset” and add that the company “will not oversee or otherwise control the business practices of any Vaults”. Checked 7 Oct 2026. Open the source	TitleYours You, through the token Read on the operator's own page “Upon minting a Collector Crypt NFT, such NFT will become the sole indication of User’s status as the owner of the Asset.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
Slabz	Holds the card Collector Crypt, and so its unnamed vault Read on the operator's own page “Slabz does not control the physical cards, vaulting, or redemption process” Slabz's terms pass storage and redemption to Collector Crypt, whose own terms say it is never the physical custodian either. Checked 7 Oct 2026. Open the source	TitleYours You, through the token Read on the operator's own page “The NFT represents ownership rights to the underlying physical card, which is vaulted by Collector Crypt.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
Stadium Vault	Holds the card Stadium Vault's own vault Read on the operator's own page “a physical safety vault whereby we will securely hold custody of a Registered User’s (defined below) collectible trading cards” Checked 7 Oct 2026. Open the source	TitleYours You Read on the operator's own page “Stadium Vault does not take ownership of a Registered User’s collectible trading cards stored in its vault.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it As at Arena Club, the terms cover the customer going quiet: after 12 months of no activity and 3 months of no reply, vaulted cards “will be forfeited by you”. Checked 7 Oct 2026. Open the source
Fanatics Instant Rips	Holds the card The Fanatics Collect Vault Read on the operator's own page “The card will be deposited directly into your Vault and will not be physically shipped to you at the time of purchase.” Checked 7 Oct 2026. Open the source	TitleYours You, once the rip is paid for Read on the operator's own page “For an Instant Rip, legal title to each card allocated to you transfers to you upon completion of the Instant Rip, allocation of the card to your Account and successful completion of payment.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it The insolvency wording in the Vault Terms is about the customer becoming insolvent, not Fanatics. On funds, the terms say “a court may disagree with Fanatics Collect’s treatment of your funds and subject them to claims of Fanatics Collect’s creditors”. Checked 7 Oct 2026. Open the source
Gemint	Holds the card Gemint's vault Read on the operator's own page “We hold your physical Cards in the Vault on your behalf until you redeem them under Section 7 or sell them back under Section 6.” Checked 7 Oct 2026. Open the source	TitleYours You, subject to its retained rights Read on the operator's own page “When a Card is allocated to you through a Pack opening, title to the physical Card passes to you, subject to these Terms and to any rights we retain in respect of unpaid amounts, reversed payments, or violations of these Terms.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
Repackz	Holds the card A third-party vault, not named Read on the operator's own page “Graded Collectibles are held in a secure 3rd-party vault (Partner) for safekeeping.” Checked 7 Oct 2026. Open the source	TitleImplied Only implied Read on the operator's own page “ownership of the item(s) transfers to us, and you receive the stated buyback amount” That is the sell-back clause, which implies the card was yours. The terms do not say when title passes to you. Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Collectibles.com Terms & Conditions. Checked 7 Oct 2026. Open the source
Tilt Rips	Holds the card Left open: Tilt or a third party We looked and the operator does not publish it The terms name no holder: “We may allow Collectables to be stored with us or with third-party custodians, warehouses, depositories, grading partners, or logistics providers.” Checked 7 Oct 2026. Open the source	TitleImplied Whoever Tilt's records show Read on the operator's own page “title to a Collectable remains with the person shown in our records as the owner of that Collectable, subject to any lien, offset, right of retention, or other rights granted under these Terms” The line does not say that person is you. The same section says storage “may be pooled” and that “you may receive only contractual rights to delivery, redemption, transfer, or sale”. Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms and Conditions. Checked 7 Oct 2026. Open the source
Underdog Rips	Holds the card Phygitals, and its partner vaults Read on the operator's own page “Underdog Rips are made available pursuant to a partnership between Underdog and Phygitals Inc. (“Phygitals”), an independent third party in connection with sourcing, storing, and shipping the physical trading cards that back Underdog Rips.” The Phygitals terms attached to the PDF say the vaults are “operated by our vault partners, including PSA (Professional Sports Authenticator), Fanatics, and Alt”. Checked 7 Oct 2026. Open the source	TitleImplied Only in Phygitals' attached terms Read on the operator's own page “Title to a physical card is assigned to you upon completion of the pack opening or marketplace purchase that delivers the corresponding digital asset to your wallet.” That line is in the Phygitals terms attached to the PDF, which open: “Certain terms set forth below may not apply to your purchase of an Underdog Rip on the Underdog platform.” Underdog's own sections do not say who holds title. Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on Underdog closing. A card can be stored for “a maximum of three (3) days” before it is deemed sold back. The attached Phygitals terms cover Phygitals failing, not Underdog. Checked 7 Oct 2026. Open the source
GameStop Power Packs	Holds the card PSA Vault in Delaware Read on the operator's own page “"Vault” means the PSA Vault in Delaware.” The PSA Vault Terms say the vault is “operated by Collectors Universe, Inc.”, a different company from the seller, PowerPacks, LLC. Checked 7 Oct 2026. Open the source	TitleImplied Only implied Read on the operator's own page “good title to and right to possession of the Item(s) will pass to PowerPacks” That is what you warrant when you sell a card back, which implies the title was yours. The purchase terms do not say when it passes to you. Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on PowerPacks or GameStop closing. The PSA Vault Terms cover the vault ending its own service: with 30 days' notice it “will prepare and release your item(s) to you”. Checked 7 Oct 2026. Open the source
Crown Cards	Holds the card Terms do not say We looked and the operator does not publish it The terms mention storage and “storage providers” and name no place or company. Checked 7 Oct 2026. Open the source	TitleImplied Only implied Read on the operator's own page “you assign and transfer all right, title, and interest in the Item to CrownCards” That is the sell-back clause, which implies the card was yours. The terms do not say when title passes to you. Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Use. Checked 7 Oct 2026. Open the source
Lastpack	Holds the card lastpack's own inventory Read on the operator's own page “the item is found in the lastpack inventory” Checked 7 Oct 2026. Open the source	TitleThe app's The app, until the card ships Read on the operator's own page “no sale of the item has occurred and title to the item will not pass to you until the following occurs: (i) you request that the item be shipped to you” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
Packz	Holds the card Packz or a provider acting for it Read on the operator's own page “Packz, or a third-party service provider acting on its behalf, will hold all revealed Items for a maximum period of three (3) days.” Checked 7 Oct 2026. Open the source	TitleThe app's The app, until the card ships Read on the operator's own page “Until a Sale occurs, there is no transfer of title to the Item and You have no ownership interest in the Item.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
RipRip.io	Holds the card Terms do not say We looked and the operator does not publish it The terms refer to “our item and logistics providers” and name none. Checked 7 Oct 2026. Open the source	TitleThe app's Not yours until it is in your hands Read on the operator's own page “you are purchasing the Game experience and have no right or interest in any particular physical item unless and until you are in full possession of that physical item” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it The risk annex says only that the company “may cease operations in a jurisdiction” if regulation changes. Nothing on what then happens to an unshipped item. Checked 7 Oct 2026. Open the source
Rips by Triumph	Holds the card Triumph's own inventory Read on the operator's own page “have Triumph maintain their physical collectible item in storage” Checked 7 Oct 2026. Open the source	TitleThe app's The app, until the card ships Read on the operator's own page “no sale of the item has occurred and title to the item will not pass to you until the following occurs: (i) you request that the item be shipped to you” There are seven conditions, among them that “the packaged item is accepted by the carrier”. Until then a lost card “may only be remedied through the crediting of the FMV of the item to you”. Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it The nearest clause is about a state being dropped, not the company closing: “you will have the opportunity to withdraw your remaining balance and ship the cards in your Vault”. Checked 7 Oct 2026. Open the source
Rip Rush	Holds the card The company's own inventory Read on the operator's own page “have the Company store their physical collectible items” Checked 7 Oct 2026. Open the source	TitleThe app's The app, until the card ships Read on the operator's own page “no sale has occurred and title to the item will not pass to you until the following occur: (i) you request that the item be shipped to you” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
Packs.com	Holds the card Terms do not say We looked and the operator does not publish it The terms speak of a card “stored in the User’s online inventory” and do not say where the physical card is kept. Checked 7 Oct 2026. Open the source	TitleThe app's The app, until the card ships Read on the operator's own page “The risk of loss and title to physical cards pass to you upon our delivery of the product(s) to our third-party carrier.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms. Checked 7 Oct 2026. Open the source
MNSTR	Holds the card A third-party vault, not named Read on the operator's own page “We are not the physical custodian of Assets. Vaults maintain custody and set their authentication and storage standards.” Checked 7 Oct 2026. Open the source	TitleSilent Terms do not say We looked and the operator does not publish it The terms give a right to ask, not title: “Ownership of the corresponding NFT entitles you to request redemption via the Service; it does not entitle you to direct Vault access.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
BOXED.GG	Holds the card Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source	TitleSilent Terms do not say We looked and the operator does not publish it The only ownership line is about digital items: “We do not claim or represent ownership of any intangible assets you may acquire or purchase through the Service.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
ClutchPacks	Holds the card Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source	TitleSilent Terms do not say We looked and the operator does not publish it The terms say “you own the NFTs” and that each token “represents” a card. They do not say who owns the card itself. Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
DOPA	Holds the card Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source	TitleSilent Terms do not say We looked and the operator does not publish it The only ownership line is about digital items: “We do not claim or represent ownership of any intangible assets you may acquire or purchase through the Service.” Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source
ripz.gg	Holds the card No card is held: one is sourced when you redeem Read on the operator's own page “When you redeem a graded card for shipment, we source a slab of the same card at the same grade from the grading company shown on your card.” Checked 7 Oct 2026. Open the source	TitleSilent Terms do not say We looked and the operator does not publish it The terms call what you hold “digital goods only” and add: “We do not guarantee the long-term availability of any virtual item”. Checked 7 Oct 2026. Open the source	If it closesSilent Terms do not say We looked and the operator does not publish it Nothing on this in Terms of Service. Checked 7 Oct 2026. Open the source

The coloured tags are our reading of each clause, not a rating and not a legal opinion. “Silent” means a search of the document for insolvency, bankruptcy, closure, custody and title wording found nothing. A general right to “discontinue the Service” is not counted as a closure clause.

The 4 closure clauses, side by side

They are close to one clause. Three share most of their wording.

months to claim your card3

pay the shippingYou

leaves room for money if a card cannot be returned1 of 4

The closure clauses term by term
App	Time to claim	Clock starts from	Cash instead of the card	If you miss the window	Wallet balance
Phygitals	Time to claim 3 months Read on the operator's own page “Users will have three (3) months from the date of notification to initiate the return process and reclaim their physical assets.” The only app read that gives the subject a page of its own. Its Terms of Service are more guarded: a claim window is “subject to applicable legal constraints, court orders, and the rights of creditors under insolvency proceedings”. If a vault partner fails, it “will use commercially reasonable efforts to transfer affected cards to an alternative vault partner”. Checked 7 Oct 2026. Open the source	Clock startsthe date of notification	Cash instead No, unless a card cannot be returned Read on the operator's own page “Phygitals will not offer monetary reimbursement or compensation in lieu of returning physical assets, except where the return of a specific physical card is not feasible” Checked 7 Oct 2026. Open the source	Miss the window May fall under abandoned property laws Read on the operator's own page “Assets not claimed within the three-month reclamation period may be subject to applicable abandoned property laws.” Checked 7 Oct 2026. Open the source	Wallet balance “Reasonable efforts” to let you withdraw Read on the operator's own page “Phygitals will make reasonable efforts to enable users to withdraw any remaining USDC, USDT, or SOL balances from their wallets before the platform is fully shut down.” Checked 7 Oct 2026. Open the source
Courtyard	Time to claim 3 months Read on the operator's own page “In the event of insolvency, bankruptcy, or the cessation of Courtyard’s business operations, we have established procedures to ensure the return of physical assets entrusted to us by our users.” The clause sits at the end of the terms' section on user conduct, not under a heading of its own. Checked 7 Oct 2026. Open the source	Clock starts“the aforementioned events”	Cash instead None Read on the operator's own page “Please note that Courtyard will not offer any monetary reimbursement or compensation, except for facilitating the return of the physical assets to the rightful owners.” Checked 7 Oct 2026. Open the source	Miss the window Does not say We looked and the operator does not publish it The clause does not cover this. Checked 7 Oct 2026. Open the source	Wallet balance Does not say We looked and the operator does not publish it The clause does not cover this. Checked 7 Oct 2026. Open the source
Beezie	Time to claim 3 months Read on the operator's own page “In the event of insolvency, bankruptcy, or the cessation of Beezie’s business operations, we have established procedures to ensure the return of physical assets vaulted on behalf of our users.” Near word for word the clause in Courtyard's terms. Checked 7 Oct 2026. Open the source	Clock starts“the aforementioned events”	Cash instead None Read on the operator's own page “Please note that Beezie will not offer any monetary reimbursement or compensation, except for facilitating the return of the physical assets to the rightful owners.” Checked 7 Oct 2026. Open the source	Miss the window Does not say We looked and the operator does not publish it The clause does not cover this. Checked 7 Oct 2026. Open the source	Wallet balance Does not say We looked and the operator does not publish it The clause does not cover this. Checked 7 Oct 2026. Open the source
rip.fun	Time to claim 3 months Read on the operator's own page “The return process must be initiated within three (3) months after the announcement of insolvency, bankruptcy, or business cessation” Checked 7 Oct 2026. Open the source	Clock startsthe announcement	Cash instead None Read on the operator's own page “ripdotfun will not offer any monetary reimbursement or compensation in the event of business cessation, except for facilitating the return of physical assets to rightful owners.” Checked 7 Oct 2026. Open the source	Miss the window You “may forfeit” the card Read on the operator's own page “Users who fail to initiate the return process within the three-month window may forfeit their right to reclaim their assets.” Checked 7 Oct 2026. Open the source	Wallet balance Does not say We looked and the operator does not publish it The clause does not cover this. Checked 7 Oct 2026. Open the source

The furthest any app goes, in its own words

“Because your cards are held in custody — not owned by Phygitals — they are not subject to the claims of Phygitals' creditors in the event of insolvency or bankruptcy.”

Its Terms of Service are more guarded. A claim window is:

“subject to applicable legal constraints, court orders, and the rights of creditors under insolvency proceedings”

Both are the company's own statements, read on 7 October 2026. Whether the first holds is for a court, not a terms page. Phygitals: Business Continuity No commission Phygitals: Terms of Service No commission

Whose card is it while it is stored?

Title is the word the terms use for ownership. It is where the apps differ most.

10665

10Yours, in words

The terms say you own the card, or hold title to it, while it is stored.

6Only implied

Not stated outright: it shows up in a sell-back or seller clause, a line that names no owner, or attached terms that may not apply.

6The app's until it ships

No sale, and no title, until the card is with a carrier or in your hands.

5Terms do not say

Nothing on who owns a stored card.

Yours from the moment you payFanatics Instant Rips, Fanatics Collect Terms of Use, including its Vault Terms

“For an Instant Rip, legal title to each card allocated to you transfers to you upon completion of the Instant Rip, allocation of the card to your Account and successful completion of payment.”

Not yours until it shipsPackz, Terms of Service

“Until a Sale occurs, there is no transfer of title to the Item and You have no ownership interest in the Item.”

Where title stays with the app, a pull you have not shipped is a promise from the company, not a card you own. What that is worth if the company fails is not something we can tell you.

Who physically has the card

A vault is a building run by a company. It is not always the company you bought the pack from.

10917

10The app itself

The terms put the card with the app. Some add storage providers they do not name.

9A separate vault company

Phygitals, Underdog Rips, GameStop Power Packs, Ripit and Beezie name the vault, the last two on a help page. The others name none.

1Nobody yet

No particular card is set aside. One is sourced when you redeem.

ripz.gg

7Terms do not say

No place and no company is given.

A chain of three companies

1SlabzSells you the pack
What its terms say
Read on the operator's own page
“Slabz does not control the physical cards, vaulting, or redemption process”
Slabz's terms pass storage and redemption to Collector Crypt, whose own terms say it is never the physical custodian either.
Checked 7 Oct 2026.
Open the source
2Collector CryptIssues the token and handles redemption
What its terms say
Read on the operator's own page
“Company will facilitate transactions relating to the Asset, but will at no times be a physical custodian of the Asset.”
The terms define the vault only as “a third-party entity designated to maintain physical custody of the Asset” and add that the company “will not oversee or otherwise control the business practices of any Vaults”.
Checked 7 Oct 2026.
Open the source
3A vault it does not nameHas the card

Where a second company holds the card, its customer may be the app and not you. Phygitals says cards sit in its own vault accounts. MNSTR says a token “does not entitle you to direct Vault access”.

Your balance is a separate question

What the terms say about money left in an account, at the five apps where the search found anything.

What five apps' terms say about money held in an account
App	What the terms say about your money
Fanatics Instant Rips	Yours, held at a bank. A court may disagree Read on the operator's own page “However, a court may disagree with Fanatics Collect’s treatment of your funds and subject them to claims of Fanatics Collect’s creditors.” Checked 7 Oct 2026. Open the source
Phygitals	“Reasonable efforts” to let you withdraw Read on the operator's own page “Phygitals will make reasonable efforts to enable users to withdraw any remaining USDC, USDT, or SOL balances from their wallets before the platform is fully shut down.” Checked 7 Oct 2026. Open the source
GameStop Power Packs	Pooled accounts at its payment processors Read on the operator's own page “all funds held in your Wallet are maintained in pooled custodial accounts held by our third-party payment processors on your behalf. PowerPacks does not take custody of or title to your funds.” Checked 7 Oct 2026. Open the source
Arena Club	Pooled accounts, with Stripe named Read on the operator's own page “Digital Wallet funds are held in pooled custodial accounts maintained by Arena Club or its third-party service providers (e.g., Stripe) on behalf of Registered Users.” Checked 7 Oct 2026. Open the source
Lastpack	Not held for you at all Read on the operator's own page “Purchase Funds are not deposits, stored value, or customer assets held in custody.” Checked 7 Oct 2026. Open the source

These five turned up in the same search of each document. Other apps may cover balances in words the search did not catch, so this is not a count of 27.

What you can do today

None of this needs a clause to work.

1Find your app's title lineUse the table above. “Yours” and “the app's until it ships” are different positions to be in.
2Ship what you would hate to loseA card in your hands depends on no clause. Vault or ship has the costs.
3Do not park money in the app1 of the 4 closure clauses mentions wallet balances at all. See how each app pays out.
4Keep your own recordOrder emails, certificate numbers and a screenshot of your vault. A return process has to check who owns what.
5Keep your email currentEvery closure clause we read promises a notice, and two name email. The 3-month window is short.

What a terms page cannot settle

A clause is the failing company's promise

It says cards will be returned. Only Phygitals mentions anyone else acting: it “or its appointed agent” would check who owns what.

The law sits above the terms

Insolvency rules differ by country and state. A court or liquidator decides, not the clause.

Terms change

Every quote was read on 7 October 2026. What counts is the version in force on the day a company fails.

Silence is not a no

An app with no clause may still hand cards back. An app with one may not manage to. We did not look for a case where either was put to the test.

Questions people ask

What happens to my cards if a card rip app goes out of business?

It depends on the app, and mostly the terms do not say. 4 of the 27 apps we rate have a clause: each gives 3 months to claim the card, at your own shipping cost. The other terms we opened are silent on closure.

Do I own the cards in my vault?

10 of 27 apps say so in words. At 6, the terms say title does not pass until the card ships or is in your hands. The rest imply it or do not say.

Does the vault's insurance cover the app closing?

Not on the wording we read. The insurance passages in the Courtyard, Arena Club and Phygitals terms cover the cards in the vault. None of them mentions the company failing, and Phygitals ties its cover to a card “lost or damaged while in custody”.

Is this legal advice?

No. It is a reading of public terms pages on one day. For a card worth real money, read the current terms yourself or ask a lawyer where you live.

Sources33

Phygitals: Business Continuity page and Terms of Service docs.phygitals.com
Courtyard: Terms of Service, and NFT Terms & Asset Management Services Agreement docs.courtyard.io
Beezie: Terms of Use docs.beezie.com
rip.fun: Terms of Service docs.rip.fun
Arena Club: Terms of Service info.arenaclub.com
Ripit: Terms of Service docs.ripit.co
Collector Crypt: Terms of Service collectorcrypt.com
Slabz: Terms of Service slabz.com
Stadium Vault: Terms of Service stadium-vault.gitbook.io
Fanatics Instant Rips: Fanatics Collect Terms of Use, including its Vault Terms support.fanaticscollect.com
Gemint: Terms of Service help.gemint.io
Repackz: Collectibles.com Terms & Conditions collectibles.com
Tilt Rips: Terms and Conditions tiltrips.com
Underdog Rips: Underdog Rips Terms of Use (a PDF), with Phygitals' Terms of Service attached underdogfantasy.pactsafe.io
GameStop Power Packs: PowerPacks Terms of Purchase, Sale Agreement and the PSA Vault Terms of Service they fold in powerpacks.gamestop.com
Crown Cards: Terms of Use crowncards.io
Lastpack: Terms of Service support.lastpack.com
Packz: Terms of Service packz.io
RipRip.io: Terms of Service riprip.io
Rips by Triumph: Terms of Use docs.triumpharcade.com
Rip Rush: Terms of Service riprush.net
Packs.com: Terms packs.com
MNSTR: Terms of Service mnstr.xyz
BOXED.GG: Terms of Service boxed.gg
ClutchPacks: Terms of Service clutchpacks.io
DOPA: Terms of Service dopa-global.com
ripz.gg: Terms of Service ripz.gg
Courtyard: NFT Terms & Asset Management Services Agreement docs.courtyard.io
Phygitals: Terms of Service docs.phygitals.com
GameStop Power Packs: Sale Agreement powerpacks.gamestop.com
PSA Vault Terms of Service (Collectors Universe) app.collectors.com
Beezie: General FAQ docs.beezie.com
Ripit: What is Ripit? support.ripit.co

Alexander Korsager

Every figure was read on public pages between 6 October 2026 and 7 October 2026. Nothing here has been tested with money yet. The terms on this page were opened on 7 October 2026. GameStop's vault wording is from the PSA Vault terms its purchase terms fold in.