Effective Date: July 22, 2026

Last Updated: July 22, 2026

These Terms of Service (the "Terms") constitute a legally binding agreement between you (the "User") and Wallchain ("Wallchain", "we", "our", or "us") regarding your access to and use of the Wallchain website, its related application interfaces, and the suite of features, services, and applications made available thereon (collectively, the "Services").

By accessing and/or using the Services, you acknowledge that you have carefully read, understood, and agreed to be bound by these Terms and our Privacy Policy.

ATTENTION: THESE TERMS CONTAIN A BINDING INDIVIDUAL ARBITRATION AGREEMENT AND CLASS ACTION WAIVER in Section 10 ("Dispute Resolution, Arbitration, and Class Action Waiver"). This affects your rights with respect to any dispute between you and Wallchain and requires disputes to be resolved in binding, individual arbitration.

IF YOU DO NOT AGREE TO THESE TERMS IN THEIR ENTIRETY, YOU MUST IMMEDIATELY CEASE ALL ACCESS TO AND USE OF THE WALLCHAIN WEBSITE AND SERVICES.

1. User Eligibility, Compliance, and Restricted Jurisdictions

1.1. Eligibility Requirements

By accessing and/or using the Services, you affirm that you:

• Are an adult of the legal age of majority in your country or state of residence (whichever is higher).
• Have the full legal capacity to conclude this Agreement.

1.2. Compliance and Sanctions

The User must comply with all laws and regulations applicable to their use of the Services ("Applicable Law"), including, but not limited to, laws regarding financial transactions, sanctions, and export controls. The User warrants that they are not:

• A citizen of, or located in or ordinarily resident in any of the Restricted Jurisdictions (defined in Annex 1).
• Under the control or ownership of a person or entity that is subject to sanctions or otherwise designated on any list of prohibited or restricted parties maintained by the UN Security Council, the U.S. Government (OFAC), the European Union, or any other applicable government authority.

Wallchain reserves the right to implement technological controls (such as geo-blocking) and to immediately suspend or terminate access to the Services if any violation of this Section is suspected or confirmed.

1.3. Anti-Money Laundering (AML) and Compliance Checks

We may be required by applicable Anti-Money Laundering (AML) or other regulatory requirements to perform background checks or verification checks on the source of funds associated with your wallet, or on your identity. You agree to promptly provide all requested information and documents necessary for us to satisfy these checks. We reserve the right to suspend or terminate your access to and use of the Platform or any Services should we be unable to satisfy ourselves that your source of funds is legitimate or your identity is verified.

2. Digital Wallets, Security, and Risk Disclosure

2.1. Digital Wallet Responsibility