Important Disclosure Information

The Coinchange Earn Service is a discretionary crypto-asset portfolio management solution. Clients authorize Coinchange Financials sp. z o.o. as the Manager and registered Virtual Asset Service Provider (VASP) in Poland, to manage digital assets deposited into designated accounts or vaults with the goal of pursuing investment returns through actively managed, multi-strategy digital asset portfolios. There is no guarantee of performance, yield, or return of capital, and participation is subject to the terms outlined in the applicable Earn Agreement and Yield Participation Agreement.

Risk of Loss

Digital asset investments involve a high degree of risk. Although Coinchange portfolios may include neutral, hedged, or diversified sleeves, they remain subject to market volatility, protocol failure, liquidity gaps, custodial delays, or execution risks. These factors may result in portfolio drawdowns or the total loss of capital. Risk ratings (“Low,” “Medium,” “High”) are internal classifications and do not imply safety or suitability.

Regulatory Uncertainty

Access to digital asset services and yield strategies varies by jurisdiction and may change as regulations evolve. Participation may not be permitted in all jurisdictions. Clients are solely responsible for ensuring compliance with applicable local, tax, or regulatory requirements. Coinchange reserves the right to suspend access based on legal or operational considerations.

Fee Transparency & Net Yield

All performance figures, APY, and reward projections are net of Coinchange fees, including any applicable management and/or performance-based fees as disclosed in the governing agreement. Coinchange may share a portion of its fees with authorized integration or distribution partners. If such partner charges additional platform fees, these are disclosed separately and agreed between the client and the partner.

Custody and Infrastructure

Client assets are held in segregated or pooled vault structures with institutional-grade custody partners. Asset routing and strategy execution are managed by Coinchange. Clients maintain beneficial ownership of digital assets as otherwise agreed.

Client Relationship

Coinchange is the asset manager and service provider. If the Client accesses services via a third-party (e.g., Technology Access Partner), that party is not acting as a custodian, portfolio manager, or fiduciary, and assumes no responsibility for yield performance. All discretionary portfolio services are delivered by Coinchange directly.

No Investment Advice

Coinchange does not provide personalized investment, tax, or legal advice. No element of the service, platform, or dashboard should be construed as a recommendation, solicitation, or offer to buy or sell any security or crypto-asset.