Terms of Use

These Terms of Use (hereinafter referred to as the “Terms of Use”, “Terms” or “Agreement”) form a legally binding agreement between You (“You”, “User”, which may include, a Merchant, Seller, or Buyer as further defined in Section 2) and DAOBRIDGE SP. Z O.O., a company incorporated under the laws of Poland, under KRS number 0001040951, NIP 5214023030, with its legal and business address at UL. Konduktorska 18/7 Warszawa, Mazowieckie, 00-775 Poland, acting under the brand name “DAOBRIDGE” (hereinafter referred to as the “DAOBRIDGE”, “Company”, “We”, or “Us”). 

These Terms govern Your access to and use of the DAOBRIDGE Platform and the Services provided by the Company.

For the purposes of these Terms, the Platform refers to the technological and communication environment used by the Company to deliver its Services. This includes, without limitation, the official website (https://daobridge.io), any User dashboards or interfaces (if applicable), communication tools such as Telegram bots or chats, and any other means by which the Company interacts with Users (hereinafter referred as a “Platform”).

The Services refer to the scope of functionalities and activities offered by the Company, including but not limited to Crypto-asset processing, crypto-acquiring, Custodial Wallet operations, and fiat settlement, as further described in Section 3 of these Terms (hereinafter referred as “Services”).

By accessing or using the Platform or/and Services, You confirm that You have read, understood, and agreed to be legally bound by these Terms, as well as by our Privacy Policy, AML/CFT Policy, and any other applicable guidelines, policies, or documents referenced herein or communicated to You during onboarding or in the course of Your use of the Services.

Depending on Your user status and how You interact with the Platform, different sections of these Terms may apply to You:

  • If You are a business entity registered in an EU country and using the Platform to accept payments in Crypto-assets from Your customers, You are deemed a “Merchant”, and the relevant provisions governing Merchants will apply to You. Please note that additional terms may apply based on a separate Cryptoacquiring Agreement between You and the Company.
  • If You are a private individual using the Platform either to accept payments for goods or services (as a “Seller”) or to make payments using Crypto-assets (as a “Buyer”), the respective provisions of these Terms will apply to both roles. Both Sellers and Buyers must register with the Platform and complete all required verification procedures.

If You do not agree to be bound by these Terms or any part thereof, You must refrain from accessing or using our Services.

PAY ATTENTION THAT IF YOU ARE PROHIBITED FROM USING PLATFORMS OR SERVICES SIMILAR TO OURS UNDER APPLICABLE LAWS OR ANY OTHER RULES OF YOUR JURISDICTION, OR IF YOUR USE OF THE PLATFORM OR SERVICES COULD IN ANY WAY CAUSE THE COMPANY’S ACTIVITIES IN RELATION TO YOU TO BE CONSIDERED UNLAWFUL, YOU MUST IMMEDIATELY CEASE USING THE PLATFORM AND SERVICES.

1. Company Information

1.1. Company Details and Contacts

The Services described in these Terms are provided by DAOBRIDGE SP. Z O.O., a company duly incorporated and operating under the laws of the Republic of Poland. The Company is registered with the relevant commercial registry of Poland under registration number 0001040951, with its registered office at UL. Konduktorska 18/7 Warszawa, Mazowieckie, 00-775, Poland.

You may contact the Company by email at:  info@daobridge.com

The Company acts as the Administrator and Operator of the DAOBRIDGE Platform, accessible at: https://daobridge.io. As defined in these Terms, the Platform constitutes the technological and communication infrastructure through which the Company, in its role as Platform Operator, provides regulated Services, including Crypto-asset acquiring, processing, custodial storage, and exchange functionality.

1.2. Regulatory Status and License

DAOBRIDGE SP. Z O.O. is registered as a Virtual Asset Service Provider (hereinafter referred as a “VASP”) in accordance with Polish law, under the authorization number RDWW-861.

In accordance with its VASP registration under Polish law, the Company is authorized to and does provide the following virtual asset services:

  • the exchange of virtual currencies for means of payment (fiat currencies) and vice versa;
  • the exchange between different virtual currencies;
  • the storage and administration of virtual currencies on behalf of Сlients, including maintaining wallets or accounts providing access to virtual assets;
  • technical and operational services supporting the execution of such transactions.

The Company may, at its sole discretion, modify, suspend, or terminate any part of the Services without prior notice, particularly where required by law or in response to changing regulatory, technological, or business circumstances. The availability of certain Services may vary depending on Your user category, verification status, and applicable laws of Your jurisdiction. 

Users acknowledge and accept that the Platform is not a financial institution, credit institution, or payment institution within the meaning of European Union (hereinafter referred as “EU”) law. The Company acts as a VASP, duly registered under the laws of Poland, and does not provide any investment or escrow services beyond those described in these Terms.

The Company does not act as a party to any transaction or contractual relationship between a Merchant and its End Users, or between a Seller and a Buyer. The Company merely provides the technical and custodial infrastructure to facilitate such transactions.

2. Definitions

Unless otherwise expressly stated, the capitalized terms used in these Terms of Use shall have the following meanings:

  • “AML/CFT” means anti-money laundering and counter-financing of terrorism regulations, procedures, and controls applicable to the Company under Polish and international law, including but not limited to the Polish Act of 1 March 2018 on Counteracting Money Laundering and Terrorist Financing, EU directives, and FATF recommendations.
  • “Applicable Law” means all laws, rules, regulations, decrees, treaties, and orders applicable to the User or the Company, depending on the context, including any local, national, international, governmental, or regulatory authority having jurisdiction.
  • “Business Day” means any day other than a Saturday, Sunday or a public holiday in Poland, on which banks and financial institutions are generally open for business.
  • “Confidential Information” means any non-public, proprietary, or otherwise confidential information disclosed by one party to the other, whether orally, in writing, or electronically, including but not limited to business processes, source code, financial data, trade secrets, know-how, technical documentation, and any information related to the operation or security of the Platform. Such information shall be deemed confidential whether or not it is explicitly marked as “confidential,” provided that, by its nature or the circumstances of disclosure, it would reasonably be understood to be confidential.
  • “Crypto-assets” means a digital representation of value or rights that may be transferred and stored electronically using distributed ledger technology or similar technologies.

This term shall also include “virtual currencies” as defined in Article 2(26) of the Polish Act of 1 March 2018 on Counteracting Money Laundering and Terrorist Financing, which states: “a digital representation of value that is not: (a) a legal tender issued by the National Bank of Poland, a foreign central bank or another public administration authority; (b) an international settlement unit established by an international organization and accepted by individual countries; (c) electronic money within the meaning of the Act on Payment Services of 19 August 2011; (d) a financial instrument within the meaning of the Act on Trading in Financial Instruments of 29 July 2005; (e) a cheque or promissory note –  but is accepted as a means of exchange and can be stored, transferred, or traded electronically.”

  • “Crypto-acquiring” means a service provided by the Company that enables Merchants to accept Crypto-asset payments from their customers (End Users), including the receipt of funds into a Custodial Wallet, transaction monitoring, optional conversion to fiat currency, and subsequent transfer to a designated bank account. 
  • “Cryptoacquiring Agreement” means a separate agreement concluded between the Company and a Merchant, governing the provision of crypto-acquiring services by the Company. 
  • “Crypto-processing” means the technical service provided by the Company to ensure the secure receipt, storage, and handling of Crypto-asset transactions. This includes generation of Custodial Wallet addresses, validation of incoming payments, transaction analysis, and communication between the payment interface and the underlying blockchain networks.
  • “Custodial Wallet” means a wallet provided by the Company for the purpose of storing Crypto-assets on behalf of the User, where the Company retains control of the private keys.
  • “Deposit” means the act of transferring Crypto-assets into a Custodial Wallet.
  • “End User” means any individual interacting with a Merchant (such as a customer or buyer) by making payments using the platform but who is not a direct client of the Company.
  • “Fees” means all commissions, charges, and service fees applicable to the use of the Services, as agreed between the User and the Company.
  • “Fiat Currency” means government-issued currency that is not backed by a physical commodity, such as EUR, USD, or PLN.
  • “Intellectual Property Rights” means all intellectual and industrial property rights of any kind, whether registered or unregistered, including without limitation: copyrights and related rights; patents, inventions and utility models; trademarks, service marks, trade names, logos, internet domain names and social media handles; industrial designs; rights in software, source code, databases and technical documentation; rights in trade dress, user interface, layout and visual appearance; rights in algorithms, systems architecture, business methods and processes; rights in confidential information and trade secrets; as well as any other rights of a similar nature existing now or in the future anywhere in the world. This includes all registrations, applications, renewals, extensions, and rights to claim priority or enforce such rights in any jurisdiction, as well as any goodwill associated with the above. 
  • “Politically Exposed Person” (hereinafter referred as “PEP”) means a natural person who is or has been entrusted with prominent public functions, including heads of state or government, senior politicians, senior government, judicial or military officials, senior executives of state-owned enterprises, and important political party officials, as well as their immediate family members or persons known to be close associates.
  • “Privacy Policy” means the set of rules and principles governing the collection, processing, storage, and use of personal data by the Company, developed in accordance with the laws of the Republic of Poland and applicable data protection regulations. The Privacy Policy forms an integral part of these Terms and is available on the Website.
  • “Prohibited Activities” means any activities or business practices that are unlawful, abusive, unethical, or otherwise restricted by the Company, as defined in Section 5.4 of these Terms.
  • “Transaction” means any action initiated by the User involving the transfer, receipt, exchange, or withdrawal of Crypto-assets.
  • “User” means any person who accesses or uses the Platform and Services, including Merchants, Sellers, and Buyers, as applicable.
  • “User ID” means a unique identifier assigned by the Company upon successful completion of onboarding procedures, used for recognizing and interacting with the User.
  • “Verification” or “KYC” (Know Your Customer) means the identity verification and due diligence procedures required by the Company in accordance with applicable AML/CFT regulations. This may include, without limitation, submission of identification documents, proof of address, information about the nature of business or source of funds, and other information necessary to assess the User’s eligibility and risk profile.
  • “Website” means https://daobridge.io and any of its subdomains, operated by the Company.
  • “Withdrawal” means the act of transferring Crypto-assets or fiat funds from the Platform to an external wallet or bank account, initiated by the User.

3. DAOBRIDGE Services

3.1. General Overview of Services

The Platform operated by the Company provides a regulated infrastructure for Crypto-asset payments, primarily offering Crypto-asset processing and crypto-acquiring services. These Services may include supporting functionalities such as custodial wallet infrastructure, transaction analysis, and conversion of Crypto-assets into fiat currency, where applicable, solely as part of the overall crypto-payment process.

The Services and Platform are accessible to two main categories of Users:

  • Entrepreneurs (Merchants) – legal entities registered in a Member State of the European Union that use the Platform to accept Crypto-asset payments from their customers (End Users) for goods or services. The relationship between the Company and each Merchant is governed by these Terms and by a separate Cryptoacquiring Agreement.
  • Private individuals (Sellers and Buyers) – natural persons who use the Platform and Services either to accept payments in Сrypto-assets (Sellers) or to make payments (Buyers). In such cases, both the Seller and the Buyer must register with the Platform. By doing so, both the Seller and the Buyer acknowledge that the use of the Platform and the Services is subject to and governed by these Terms of Use.

Access to the Services is granted exclusively to Users who have successfully completed the Company’s Verification (KYC) process in accordance with applicable AML/CFT requirements. 

Please note that certain Services or functionalities may be subject to additional terms or may vary depending on Your jurisdiction, regulatory status, or User category. It is Your responsibility to familiarize yourself with and comply with any such applicable requirements.

3.2. Services for Merchants (Entrepreneurs)

The Platform enables Merchants to accept payments in supported Crypto-assets from their customers (End Users), convert such Crypto-assets into fiat currency, and receive the proceeds to their designated bank accounts.

The Merchant onboarding process includes the submission of required information, identity and business verification (KYC), and a compliance assessment under applicable AML/CFT regulations. Upon successful verification, the Company assigns a User ID for further interactions.

Upon successful onboarding, the Merchant is granted access to the following Services:

  • a dedicated Custodial Wallet, managed by the Company;
  • the ability to generate payment addresses or QR codes for End User payments;
  • conversion of received Crypto-assets into fiat currency;
  • settlement of fiat proceeds to the Merchant’s bank account or another authorized account, subject to internal approval;
  • access to transaction history, balances, and reporting tools.

Each transaction is subject to real-time monitoring and analysis, including origin of funds checks. The Company ensures that fiat payouts include a transparent payment reference and meet applicable regulatory requirements.

Merchants may request the Company to transfer fiat proceeds to a bank account of an authorized third party (such as a lawyer, notary, agent, payment institution, or escrow provider), provided such arrangement complies with applicable law and is approved by the Company.

The relationship between the Company and the Merchant may be governed by a separate Cryptoacquiring Agreement, which shall prevail in the event of any conflict with these Terms.

3.3. Services for Individual Users (Buyers and Sellers)

The Platform supports the following functionality for individual Users:

  • provision of a Custodial Wallet to each verified User;
  • acceptance of Crypto-asset payments from Buyers to the Seller’s wallet via unique wallet address or QR code;
  • internal transfer of Crypto-assets between Custodial Wallets of verified Users;
  • exchange of received Crypto-assets into fiat currency at the agreed or market rate;
  • fiat payout to the Seller’s registered bank account or another authorized account, subject to internal compliance review;
  • access to Custodial Wallet balances, transaction history, and support tools.

The Company conducts transaction monitoring, origin-of-funds checks, and AML screening before executing any crypto-fiat conversion or payout. 

Fiat proceeds may be sent to an account of a third party authorized by the Seller (such as a lawyer, notary, agent, payment institution, or escrow provider), subject to approval and compliance verification.

3.4. Custodial and Technical Infrastructure

All Custodial Wallets provided to Users on the Platform are custodial in nature and are operated and controlled solely by the Company. Users are granted access to Custodial Wallet interfaces and balances but do not have access to or control over the underlying private keys.

Custodial Wallets are assigned individually to each verified User and are intended exclusively for the receipt, temporary storage, internal transfer, and conversion of supported Crypto-assets in connection with the Services. The Company retains the right to generate, manage, and secure Custodial Wallet addresses and private keys as part of its infrastructure.

The Platform can use technical components such as dashboards, payment request tools, transaction processing engines, and automated compliance systems. The Company may update, modify, or discontinue any aspect of its technical infrastructure at its sole discretion and without prior notice.

The Company makes commercially reasonable efforts to ensure stable operation of its custodial and technical systems, but does not guarantee uninterrupted access or error-free performance. Users acknowledge that Service interruptions, delays, or technical failures may occur due to system maintenance, software updates, blockchain congestion, cyberattacks, or other factors beyond the Company’s control.

Users are solely responsible for ensuring that they use the Platform in accordance with technical requirements, including supported Crypto-assets, networks, and interfaces. The Company shall not be liable for any losses resulting from the use of unsupported Crypto-assets or incompatible third-party tools.

3.5. Limitations of Services and Jurisdictional Restrictions

The Services are made available only to Users who meet the eligibility and verification criteria defined in these Terms and applicable policies. Access to and use of the Platform is subject to operational, technical, legal, and regulatory limitations.

The Company reserves the right to determine the jurisdictions in which it offers the Services. Users located in or otherwise associated with jurisdictions subject to international sanctions, embargoes, or restrictions – including, but not limited to, those imposed by the European Union, United Nations, United States, United Kingdom, or the Republic of Poland – are strictly prohibited from using the Platform. The Company may restrict or refuse to provide Services to any User if it determines, at its sole discretion, that:

  • providing such Services would violate applicable law or expose the Company to regulatory, financial, or reputational risk;
  • the User fails to comply with verification or compliance procedures;
  • the User’s activity involves Prohibited Activities or exceeds acceptable risk thresholds.

Nothing in these Terms shall be construed as a commitment by the Company to offer Services in any specific jurisdiction or to any specific category of Users.

3.6. Acceptance of Terms

Users accept and agree to be bound by these Terms under any of the following circumstances:

  • Onboarding and verification: by completing the onboarding process and submitting the required information for verification, the User acknowledges and agrees to be bound by these Terms. This includes providing accurate data, complying with applicable AML/CFT procedures, and adhering to the Company’s rules and policies. Upon successful verification, the User receives a User ID for interaction with the Company and access to the Services.
  • Platform access: by accessing or using any part of the Platform, whether for browsing, viewing information, or initiating transactions, the User confirms acceptance of these Terms. Access through any supported device or operating system also constitutes agreement.
  • Service utilization: by using any of the Services described in Section 3, whether free or paid, the User accepts and is legally bound by these Terms.
  • Continued use: by continuing to use the Platform after any updates or modifications to these Terms, the User reaffirms their acceptance. The Company may update these Terms from time to time, and continued use following such updates shall constitute acceptance of the revised version.
  • Website and communication tools: by visiting or using the Website and/or any official communication tools or support channels, the User agrees to be bound by these Terms and any additional legal notices or policies made available through such channels.

4. Access to the Platform and Assignment of a User ID

4.1. Eligibility Criteria

To access the Platform and use the Services, Users must meet the following eligibility requirements:

  • be at least 18 years of age and have full legal capacity (if an individual);
  • be duly incorporated and validly existing under the laws of their jurisdiction (if a legal entity);
  • not be located in or associated with any jurisdiction subject to international sanctions or trade restrictions;
  • not be subject to any legal or regulatory prohibition on using Crypto-asset services, which means reside in a jurisdiction supported by the Company and not be a citizen or resident of a country where the Services are unavailable;
  • not be involved in any activities listed in Section 5.4. of these Terms as a Prohibited Activity;
  • provide accurate, complete, and up-to-date information during registration and throughout the use of the Services;
  • not have previously been suspended or banned from using the Services;
  • not be a PEP, as defined under applicable AML/CFT regulations and these Terms in Section 2;
  • not impersonate any individual or entity or use falsified or misleading documentation when interacting with the Company;
  • interact with the Platform and its representatives in a respectful and professional manner, refraining from defamatory, offensive, or abusive conduct;
  • promptly inform the Company of any changes in eligibility status or other material information previously submitted;
  • acknowledge that the Company reserves the right to deny access to the Platform or provision of Services at its sole discretion, including in cases where the User is deemed to present legal, reputational, or financial risk.

If the Services are used on behalf of a legal entity, the person acting on behalf of such entity represents and warrants that they are duly authorized to bind the entity to these Terms.

The Company may update the eligibility criteria at any time and notify affected Users where required. Continued use of the Platform and Services constitutes acceptance of any such updates.

4.2. Verification and KYC

Use of the Platform and access to any Services is subject to successful completion of the Company’s identity verification and compliance procedures, in accordance with applicable AML/CFT laws and internal risk policies.

As part of the onboarding process, Users are required to provide accurate and complete information and supporting documentation, which may include:

  • identification documents and proof of residence (for individuals);
  • company registration documents, ownership structure, and authorized representative details (for legal entities);
  • source of funds and intended use of the Services;
  • any other information required by the Company.

The Company reserves the right to determine the scope and depth of verification required for each User, and may conduct enhanced due diligence for Users falling into higher-risk categories or jurisdictions.

Ongoing verification and periodic revalidation of submitted data may be required at the discretion of the Company. 

Failure to comply with KYC requirements, or providing false, misleading, or incomplete information, may result in denial, suspension, or termination of access to the Services.

All personal data collected during the verification process is handled in accordance with applicable data protection laws and the Company’s Privacy Policy.

4.3. User Onboarding, Identification and Security

To access the Platform and use the Services, Users must undergo an onboarding procedure, which includes providing required personal or business information, submitting identification documents, and completing verification in accordance with Section 4.2. 

After successful verification, the Company assigns each User a unique identification number, namely the User ID, which will be used for communication, accounting and provision of the Services. 

Interactions and Service access may occur via external communication tools (such as email, Telegram, or other authorized channels), as determined by the Company.

Users are fully responsible for the accuracy and completeness of the information they provide during the onboarding process and for maintaining secure and reliable communication with the Company throughout the course of Service provision.

The Company reserves the right to suspend or restrict access to the Services in any of the following cases:

  • detection of fraudulent, suspicious, or unauthorized activity;
  • non-compliance with these Terms or any applicable legal or regulatory obligations;
  • failure to respond to Company’s request to update or reverify previously submitted information.

Users must immediately inform the Company if they suspect unauthorized use of their User ID or become aware of any compromise to their communication channel or personal information. The Company bears no liability for any damages resulting from the User’s failure to maintain secure and accurate communication.

5. Use of Services and Conduct Requirements

5.1. General User Obligations

By accessing or using the Platform and Services, each User agrees to act in good faith and in full compliance with these Terms, the AML Policy, other policies, and all applicable laws and regulations.

Users undertake to:

  • provide only accurate, complete, and up-to-date information during onboarding and throughout the use of Services;
  • use the Platform and Services only for lawful and permitted purposes, and not in a manner that could damage, disrupt, or compromise the integrity or performance of the Services;
  • cooperate with the Company’s compliance and risk management requests in a timely and transparent manner;
  • Users must refrain from allowing unauthorized third parties to use their User ID or access the Services on their behalf without the Company’s prior written consent.

The Company reserves the right to suspend or restrict access to the Services if a User breaches these obligations, engages in suspicious activity, or poses a compliance or reputational risk.

5.2. AML/CFT Compliance

The Company operates in accordance with Polish and EU AML/CFT legislation and maintains internal policies and procedures to prevent misuse of the Platform.

As part of its AML/CFT obligations, the Company:

  • verifies the identity of all Users prior to granting access to Services;
  • monitors transactions and user activity for suspicious patterns;
  • applies enhanced due diligence in cases of elevated risk;
  • cooperates with competent authorities and may report suspicious activity without prior notice to the User.

Users are required to:

  • promptly provide any documents or clarifications requested by the Company;
  • truthfully disclose the source of funds and purpose of transactions when asked;
  • notify the Company of any changes in their legal status or risk profile.

Failure to comply with AML/CFT requirements may result in delayed transactions, suspension of access to the Services, blocking of Crypto-assets or fiat funds, or termination of the Services.

5.3. User Representations and Warranties

By obtaining a User ID and using the Company’s Services, the User represents and warrants that:

  • they are eligible and authorized to enter into these Terms under applicable law;
  • all information provided to the Company is accurate, complete, and not misleading;
  • they are not acting on behalf of or in the interest of any sanctioned person or entity;
  • the Crypto-assets or fiat funds used during the Service are not connected to any unlawful activity;
  • they will not use the Services to facilitate or conceal any illicit behavior.

If the User is acting on behalf of a legal entity, they further confirm that:

  • the entity is duly incorporated and validly existing;
  • they are authorized to act on behalf of and bind the entity to these Terms.

These representations are ongoing and must remain true throughout the User’s use of the Platform. 

5.4. Prohibited Activities

Users are strictly prohibited from using the Services or the Platform in connection with any activities that the Company, in its sole discretion, deems unlawful, abusive, unethical, or otherwise harmful, i.e. Prohibited Activities. 

Users are advised to contact the Company in case of any doubt regarding the permissibility of their intended use.

The list below is illustrative and non-exhaustive:

  • Illegal or unregulated commercial activities:
    • distribution of child sexual abuse materials or other obscene content;
    • provision or facilitation of prostitution, escort services, or pornography-related platforms;
    • gambling, betting, lottery, or similar games of chance, unless explicitly permitted and licensed by applicable law;
    • trading or trafficking in counterfeit goods, unauthorized pharmaceuticals, or stolen property;
    • unlicensed sale of tobacco, alcohol, weapons, munitions, explosive materials, toxic or radioactive substances;
    • sale of narcotics or controlled substances and equipment for their production or use;
    • unauthorized or unlicensed provision of financial services, including forex trading, pyramid schemes, Ponzi schemes, or high-yield investment programs;
    • any business that violates export/import restrictions or trade embargoes.
  • Fraud, deception, and high-risk behavior:
    • impersonation of other individuals or entities;
    • use of false identity documents or falsified verification information;
    • unauthorized access to other accounts or Custodial Wallets;
    • submission of intentionally misleading, incomplete, or fraudulent documentation;
    • artificially inflating transaction volume or engaging in wash trading or other market manipulation. 
  • Money laundering, sanctions, and terrorist financing. DAOBRIDGE maintains a strict zero-tolerance policy against any activities that may facilitate money laundering, terrorist financing, or sanctions evasion. This includes:
    • using the Platform to transfer Crypto-assets or fiat funds related to criminal proceeds;
    • attempting to obscure the origin, destination, or purpose of fiat funds or/and Crypto-assets;
    • engaging with jurisdictions, persons, or entities subject to international sanctions, including those imposed by the EU, Poland, the United Nations, OFAC, or other applicable authorities.
  • Infringement of Intellectual Property:
    • violating the Intellectual Property Rights of the Company or third parties;
    • misusing the Company’s trade name, logo, or branding without prior written permission;
    • reproducing, modifying, decompiling, or reverse engineering any part of the Platform.
  • Abuse of Platform infrastructure:
    • introducing viruses, malicious code, or other disruptive technologies;
    • interfering with Platform functionality or attempting to bypass security features;
    • overloading, scraping, or crawling the Platform or its servers without authorization;
    • reselling access to the Services without Company approval.
  • Other prohibited goods and services. Users may not use the Platform to buy, sell, or facilitate the transfer of:
    • human organs or remains;
    • cultural or historical artifacts restricted by local or international law;
    • live animals prohibited under CITES or national protection laws;
    • government-issued identification documents or forged credentials;
    • precious metals, stones, or cash equivalents obtained unlawfully.

The Company reserves the right to investigate any suspected breach of this Section. Where such breach is confirmed or reasonably suspected, the Company may, at its sole discretion:

  • suspend or terminate the User’s access to the Services and invalidate the associated User ID;
  • freeze or withhold any Crypto-assets or fiat funds held on behalf of the User;
  • report the matter to competent authorities;
  • take legal action to recover damages or protect its rights.

DAOBRIDGE will issue notice of such enforcement where legally permitted to do so.

The Company also reserves the right to update this list of Prohibited Activities at any time without prior notice to reflect evolving legal, regulatory, or risk-management standards.

5.5. Jurisdictions

Pursuant to the principles of the European Union’s Digital Single Market and the current regulatory framework, the Company may legally provide cross-border Services to Users located in other EU and European Economic Area (hereinafter referred as “EEA”) Member States without the need to establish a local branch or obtain additional authorisations, provided that such Services are delivered from within Poland and subject to compliance with AML/CFT requirements.

The Company currently provides Services to Users located in the following countries: 

  • Belgium (formally permitted),
  • Austria, Bulgaria, Cyprus, Czech Republic, Denmark, Germany, Greece, Hungary, Lithuania, Portugal, Romania, Slovakia, Slovenia, Sweden – jurisdictions where a neutral or permissive regulatory approach is applied, and where the provision of Services by a Polish VASP is not expressly prohibited.

The Company does not provide Services to:

  • Citizens or residents of the United States of America;
  • Individuals or entities located in jurisdictions subject to comprehensive international sanctions, embargoes, or trade restrictions, including but not limited to: Belarus, Russia, Iran, Iraq, North Korea, Syria, Afghanistan, Venezuela, Myanmar, Sudan;
  • Users located in or associated with any United Kingdom territory where the provision of Services by a Polish VASP is not authorised or is explicitly restricted;
  • Any other jurisdiction deemed high-risk or prohibited in accordance with the Company’s internal compliance policy, AML Policy, or applicable international standards.

Users are solely responsible for ensuring that their use of the Services does not violate any laws or regulations applicable to them by reason of their nationality, residency, or location. 

The Company reserves the right to refuse onboarding, suspend Services, or terminate access to any User found to be in breach of this Section.

6. Transactions and Financial Terms

6.1. Deposits and Incoming Payments

The Platform enables Users to receive payments in supported Crypto-assets via unique wallet addresses or QR codes generated for their use upon successful onboarding.

Merchants may share payment details with their Buyers in order to receive payments for goods or services. 

Individual Users may request transfers between verified Users within the Platform.

All incoming Сrypto-asset transfers are subject to the following conditions:

  • deposits must be made only in supported Сrypto-assets and through compatible blockchain networks as listed on the Platform;
  • each transaction is subject to blockchain confirmation and compliance checks;
  • deposits made to incorrect wallet addresses, unsupported Crypto-assets, or incompatible networks may result in permanent loss of funds;
  • Users are solely responsible for ensuring the accuracy of transaction details before initiating a deposit;
  • the Company may impose minimum deposit amounts or thresholds depending on the Crypto-asset or the User category.

Funds received into a User’s Custodial Wallet are not credited or made available for conversion or withdrawal until the transaction is confirmed on-chain and successfully passes compliance screening.

No interest or yield shall accrue on any balance held in the User’s Custodial Wallet.

6.2. Conversion and Payouts

Users may request the conversion of Crypto-assets held in their Custodial Wallets into fiat currency supported by the Platform. Conversion is available at the prevailing exchange rate or a rate agreed in advance with the Company, where applicable.

Fiat proceeds from conversions are transferred to the verified bank account associated with the User. Upon request and subject to compliance approval, payouts may also be made to a bank account of a third party duly authorized by the User (e.g. lawyer, notary, agent, payment institution, or escrow provider), provided such arrangement is permitted under applicable law.

All conversions and payouts are subject to:

  • transaction monitoring and origin-of-funds verification;
  • applicable AML/CFT screening and risk assessment;
  • applicable withdrawal limits or holding periods;
  • technical confirmation of sufficient balance and network confirmation of the original transaction.

The Company does not guarantee the execution of any conversion or payout within a fixed time frame and shall not be liable for delays caused by banking institutions, payment providers, or external events beyond its control.

6.3. User Balance and Restrictions

Each User may be informed of their available balance in Crypto-assets or fiat currency through communication channels approved by the Company, such as email, Telegram, or other secure means. Such balances reflect the amount of Crypto-assets successfully received, verified, and not subject to holds, restrictions, or compliance reviews.

Balances associated with a User ID are informational in nature and do not constitute a deposit or escrow within the meaning of financial or banking regulations. The Company does not act as a trustee or fiduciary with respect to User funds and does not accrue or pay interest or other financial returns on any balance.

The Company reserves the right, at its sole discretion and without prior notice, to:

  • restrict access to part or all of a User’s balance for compliance, security, or legal reasons;
  • place temporary or permanent holds on funds under investigation or subject to regulatory inquiry;
  • correct any balance discrepancies caused by technical errors, system malfunctions, or unauthorized activity.

Users are strictly prohibited from requesting the withdrawal of more Crypto-assets than are available and verified. Any such attempt may result in suspension of Service access, invalidation of the User ID, and potential recovery or legal action by the Company.

6.4. Fees

The Company charges Fees for the provision of Services, including but not limited to Crypto-asset processing, conversion, payout, and technical facilitation.

Applicable Fees may include:

  • transaction Fees (e.g. for deposits, conversions, and withdrawals);
  • service Fees for infrastructure usage;
  • network or gas Fees charged by third-party providers;
  • any applicable regulatory or administrative charges.

The exact amount and structure of Fees depend on the type of User (Merchant or Individual), the nature of the transaction, and applicable pricing schedules. The current Fee schedule is published on the Platform or communicated to Users directly via official channels.

By using the Services, the User agrees to all applicable Fees and authorizes the Company to deduct such Fees from their balance automatically. Fees are deducted at the time of the relevant transaction or on a periodic basis, as applicable.

The Company reserves the right to modify the Fee structure at any time. Updated Fees shall become effective upon publication on the Platform or upon notification provided to the User through official communication channels. Continued use of the Services after any Fee update constitutes acceptance of the revised terms.

7. Legal Terms

7.1. Intellectual Property Rights

All Intellectual Property Rights associated with the Platform or the Company are and shall remain the exclusive property of the Company or its licensors.

Except as expressly permitted under these Terms, Users shall not:

  • copy, reproduce, distribute, modify, reverse engineer, disassemble, decompile, or otherwise attempt to derive source code from the Platform;
  • use any Company name, trademark, or logo without prior written consent;
  • create derivative works based on the Platform or any part thereof;
  • remove, obscure, or alter any proprietary notices contained on the Platform or in any materials provided.

Users are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Platform solely for lawful purposes in accordance with these Terms. This license does not grant any ownership rights or interests.

All rights not expressly granted are reserved by the Company.

Any unauthorized use of the Platform or its Intellectual Property may result in termination of Services, legal action, and liability for damages.

7.2. Disclaimers and Limitation of Liability

The Platform and Services are provided in the form and condition in which they are available at the time of use, without any promises or guarantees regarding their functionality, availability, reliability, or suitability for any particular purpose.

The Company makes no representation or warranty that:

  • the Services will be uninterrupted, timely, secure, or error-free;
  • any defects or errors will be corrected;
  • the Platform will be compatible with any device, system, or network;
  • any outcome, profitability, or suitability will result from the use of the Services.

To the maximum extent permitted by applicable law, the Company disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

The Company shall not be liable for any:

  • loss of profits, revenues, or business opportunities;
  • loss of data, Crypto-assets, or account access;
  • indirect, incidental, special, consequential, or punitive damages;
  • delays, disruptions, or failures caused by third-party providers, blockchain networks, banking systems, or force majeure events.

The Company’s total aggregate liability for any claims arising out of or in connection with the use of the Platform or the Services shall in no event exceed the total amount of Fees paid by the User to the Company in the six (6) months preceding the event giving rise to the claim.

Some jurisdictions do not allow certain warranty disclaimers or liability limitations. In such cases, the above exclusions may apply to the maximum extent permitted by law.

7.3. Force Majeure

The Company shall not be liable for any failure or delay in performance of its obligations under these Terms if such failure or delay is caused by events beyond its reasonable control (“Force Majeure Events”). These events may include, but are not limited to: acts of God, natural disasters, or severe weather conditions; war, hostilities, terrorism, or civil unrest; epidemic or pandemic outbreaks; actions or restrictions imposed by governmental or regulatory authorities; strikes, labor disputes, or supply chain disruptions; technical failures, cyberattacks, or interruptions in internet or blockchain networks.

During the Force Majeure Event, the Company’s obligations shall be suspended for the duration of such event. The Company will make reasonable efforts to resume normal operations as soon as possible.

Users acknowledge that delays, disruptions, or unavailability of Services caused by Force Majeure Events do not entitle them to compensation, refunds, or claims.

7.4. Taxes

Users are solely responsible for determining, reporting, and paying any and all taxes that may arise in connection with their use of the Services, including but not limited to income tax, capital gains tax, value-added tax, sales or use tax, or any other similar charges applicable under their local laws.

The Company does not act as a tax agent or intermediary for any User, including but not limited to Merchants, Sellers, or Buyers. The provision of Services by the Company does not create any obligation on the Company to calculate, withhold, report, or remit taxes on behalf of any User, except where explicitly required by applicable law.

Any prices, fees, or payments communicated in the course of providing the Services do not include taxes unless expressly indicated. Users remain fully responsible for ensuring compliance with all applicable tax obligations in their jurisdiction and are strongly encouraged to consult with a qualified tax advisor in relation to their use of the Services.

7.5. Suspension and Termination of Services

The Company reserves the right to suspend, restrict, or terminate the provision of Services to any User, or to deactivate the User’s assigned User ID, at its sole discretion, including but not limited to the following circumstances:

  • failure to comply with these Terms or other applicable policies;
  • provision of false, misleading, or incomplete information;
  • suspicion of involvement in Prohibited Activities or unlawful conduct;
  • detection of unusual or high-risk activity that may expose the Company to legal, regulatory, or reputational harm;
  • non-cooperation during compliance reviews or failure to complete verification;
  • legal obligation to restrict access based on regulatory request, court order, or sanctions program.

Suspension or termination may be temporary or permanent, and may include:

  • freezing of fiat funds or Crypto-assets associated with the User ID;
  • cancellation of pending transactions;
  • reporting to relevant authorities where required by law.

Where reasonably possible, the Company shall notify the User of the suspension or termination and the underlying reason. However, the Company may be restricted from disclosing certain information due to legal or regulatory requirements.

Upon termination, the User’s right to use the Platform and Services shall cease, and any residual funds may be returned or retained in accordance with applicable law and the Company’s policies.

7.6. Confidentiality

The Company treats all non-public information provided by Users in connection with onboarding and use of the Services as confidential, in accordance with applicable law and its internal policies. The Company takes appropriate technical and organizational measures to ensure the protection of such information from unauthorized disclosure, access, or misuse.

Users acknowledge that they may receive certain non-public or sensitive information relating to the operation of the Platform or provision of the Services. Users agree not to disclose, reproduce, or otherwise make such information available to any third party without the prior written consent of the Company, unless:

  • the information is or becomes publicly available through no breach of these Terms;
  • disclosure is required under applicable law, regulation, or by order of a competent authority.

For matters relating to personal data and privacy, including the rights of data subjects and the legal basis for processing, Users should refer to the Company’s Privacy Policy, which forms an integral part of these Terms.

This Section shall survive the termination or expiration of these Terms for a period of three (3) years.

7.7. Governing Law and Dispute Resolution

These Terms, and any dispute or claim arising out of or in connection with them or the use of the Platform, shall be governed by and construed in accordance with the laws of the Republic of Poland, without regard to its conflict of law provisions.

Before initiating formal legal proceedings, the Parties shall use reasonable efforts to resolve any dispute or claim through good faith negotiations. Users are encouraged to contact the Company’s support team to attempt resolution.

If a dispute cannot be resolved amicably within thirty (30) days, either Party may submit the matter to the competent courts of Poland having jurisdiction over the Company’s registered office.

Nothing in this Section shall prevent the Company from seeking injunctive relief or enforcing its rights in any other jurisdiction where the User or their funds are located.

7.8. Amendments and Notices

The Company reserves the right to modify, amend, or update these Terms at any time, in whole or in part, to reflect changes in applicable law, technology, business practices, or risk policies.

Users will be notified of any material changes to these Terms through publication on the Platform and/or by direct communication via email, Telegram, or other official channels designated by the Company. Unless explicitly stated otherwise, updated Terms shall become effective upon publication.

By continuing to use the Services after such changes take effect, the User acknowledges and agrees to be bound by the amended Terms. If the User does not agree with the updated Terms, they must immediately cease use of the Services and may request termination of their User ID record and associated access.

All official notices from the Company shall be deemed duly delivered if sent to the most recent contact details provided by the User during onboarding or during subsequent communication. It is the User’s responsibility to ensure that their contact information remains accurate and up to date at all times.

The Company is not liable for any failure of the User to receive a notice due to outdated or incorrect contact details.

All communications and notices required under these Terms shall be conducted in the English language unless explicitly agreed otherwise.

8. Final Provisions

8.1. Contact and Support

Users may contact the Company for support, general inquiries, or legal matters via the email address indicated on the Platform or through other official communication channels provided by the Company, such as Telegram or secure messaging tools. The Company will make reasonable efforts to respond to all inquiries within a reasonable timeframe.

8.2. Entry into Force and Versioning

These Terms shall enter into force on the date of publication on the Platform, or on the effective date indicated at the top of this document, whichever is later.

The User confirms that they have read, understood, and accepted these Terms prior to using the Services. The latest version of the Terms shall always be available on the Website.

The Company recommends that Users retain a copy of these Terms for their own records.