Last updated on June 16, 2025
General Terms and Conditions
Introduction
We would like to welcome you to our platform and thank you for taking the time to read and familiarize yourself with the contents presented below. By registering through this website, you will be able to gain access to cryptocurrency-related services consisting of:
Self-custody wallet service; and
Integrated credit card facility designed for seamless cryptocurrency spending.
These General Terms and Conditions (the “Terms”) govern the use of the services available on the Platform and provided to you by:
Kryptonim Technologies Limited a private company limited by shares, organized and incorporated under the laws of Hong Kong, registered after registration number: 76352801, with registered address located at: RM 1406, 14/F Solo Building, 41-43 Carnarvon Rd Tst, Hong Kong (the "Company") and any holding company, subsidiary and/or entity belonging to the Company (jointly "Kryptonim”, "we", "our" and/or "us”).
These Terms, in combination with:
Card Terms and Conditions - if attached to and/or distributed to you with the Card (the “Card Terms”); and
the Tariff Table (the “Tariff Table”); and
the Limits Table (the “Limits Table”); and
Apple Pay Terms and Conditions (the “Apple Pay Terms”); and
Privacy Policy;
constitute a legally binding agreement (the “Agreement”) between you (the “Client” or “you”) and Kryptonim (jointly the “Parties” or separately as the respective “Party”) that becomes applicable and effective upon your access to the Platform. If you do not agree, please refrain from using the Platform and its services.
By accepting this Agreement, you confirm that you have had sufficient time to read and acquaint yourself with its contents, understand it, and actively agree to comply with the provisions set therein. In case you do not understand or do not agree to specific provisions of the Agreement, you shall not conclude the Agreement or shall express your question and/or disagreement in writing by sending us a notice to the email address indicated below in this Agreement, so that we can clarify and discuss particular provisions with respect to which you have expressed your questions and/or disagreement. For the avoidance of doubt, not all functionality described in the Agreement may be available to you.
General Provisions
Scope of the Terms: These Terms apply to all services provided by Kryptonim, including the self-custody cryptocurrency wallet service and/or the integrated credit card facility, as described above.
Acceptance of the Terms: By registering on the Platform or using the services, you confirm acceptance of these Terms. If you do not agree, you must refrain from using the Platform and/or its services. These Terms and Conditions do not limit any consumer rights to protection that you may be entitled to under mandatory provisions of law in your country of residence.
Amendments: Kryptonim reserves the right to amend these Terms at any time. Updates will be communicated through the Platform and/or other dedicated means of communication. Continued use of the services after amendments constitutes acceptance of the updated Terms.
Definitions:
Agreement: Refers to these Terms and any additional policies or conditions listed in the Introduction.
AML Compliance: Refers to adherence to anti-money laundering regulations and requirements to prevent the misuse of the Services for illegal financial activities.
Apple Pay Terms: Refers to the terms and conditions governing the integration of the Card with Apple Pay, specifying the rules and requirements for its usage, as outlined in the Agreement or communicated via the Platform.
Blockchain: Refers to a decentralized ledger system used to process cryptocurrency transactions.
Card: Refers to the credit card issued by the Card Issuer and made available to the Client via the Platform.
Card Issuer: Refers to a financial institution partnering with Kryptonim responsible for the issuance of the Card, its management, maintenance and regulatory compliance.
Client or you: Refers to an individual accessing, using and/or registering on the Platform.
Funding Wallet: Refers to a cryptocurrency wallet belonging to Kryptonim dedicated for transferring digital assets by the User for the purpose of application of credit on the Card issued to the User by the Card Issuer.
Kryptonim: Refers to Kryptonim Technologies Limited, as further defined in the Introduction to these Terms.
Limits Table: A document specifying transactional and account limits for the Wallet and/or Card usage.
User(s): Refers to an individual utilizing services provided by Kryptonim on the Platform.
Platform: Refers to the website available online at www.cards.kryptonim.com and/or any other related mobile applications.
Privacy Policy: Refers to the document outlining how Kryptonim collects, processes, stores, and protects personal data in compliance with applicable privacy and data protection laws. The Privacy Policy is available on the Platform for review.
Private Key: A cryptographic key used to sign transactions and prove ownership of cryptocurrencies stored in a Wallet. Users are solely responsible for safeguarding their private keys.
Public Key: A cryptographic key derived from a private key, which is used to receive cryptocurrency transactions in the Wallet.
Recovery Phrase: A set of words generated during Wallet setup that allows users to recover access to their Wallet. Kryptonim does not store this information.
Service(s): Refers to a cryptocurrency-related service(s) provided by Kryptonim via the Platform, including but not limited to cryptocurrency self-custody wallet services and/or credit card facility and/or any other associated and supporting services.
Supported Digital Assets: Refers to cryptocurrencies and other digital assets explicitly supported by the Wallet for storage, transfer, and transaction purposes. The list of Supported Digital Assets may vary and is subject to change at Kryptonim’s discretion, as communicated via the Platform.
Tariff Table: A document outlining applicable fees for using Services, including Wallet transactions and/or credit card charges.
Transaction Fees: Refer to the fees charged for processing cryptocurrency transactions, including network fees paid to blockchain validators, and any additional fees outlined in the Tariff Table.
Wallet: Refers to a cryptocurrency wallet provided through the Platform, enabling the User to generate and manage public/private key pairs, store, send, and receive support for digital assets. The Wallet is non-custodial, meaning the User retains sole control and responsibility for safeguarding private keys, passwords, and recovery phrases.
Intellectual Property: All intellectual property rights, including trademarks, service marks, logos, and copyrights associated with the Platform and its services, are owned by Kryptonim or its licensors. Unauthorized use, reproduction, or distribution of any content, design, or features of the Platform is strictly prohibited. Users are granted a limited, non-exclusive, and revocable license to access and use the Platform for its intended purpose.
Financial Advice: The Services provided by Kryptonim do not constitute financial, investment, or legal advice. Users are solely responsible for their use of the Services and for conducting their own due diligence before making financial decisions. Kryptonim disclaims all liability for any financial losses resulting from the use of its services.
No Warranty: The Platform and its Services are provided on an "as is" and "as available" basis. Kryptonim disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.
Service Availability: Kryptonim does not guarantee uninterrupted or error-free access to its services. Maintenance, updates, or unforeseen technical issues may result in temporary unavailability.
Indemnification: You agree to indemnify, defend, and hold harmless Kryptonim, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from your breach of these Terms, misuse of the Services, or violation of any applicable laws or regulations.
Notices and Communication: All notices and communications related to these Terms shall be delivered via email to the address provided during registration and/or through notifications on the Platform. It is the User's responsibility to ensure that contact information remains accurate and up to date.
Website Access: Access to the Platform and services is provided at Kryptonim’s sole discretion. Kryptonim reserves the right to suspend, restrict, or terminate access at any time for maintenance, updates, security, or other business reasons.
Limitation of Liability: To the maximum extent permitted by law, Kryptonim shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from or related to the use of its services.
Severability: If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.
Waiver: Failure by Kryptonim to enforce any provision of these Terms shall not constitute a waiver of its right to enforce such provision or any other provision in the future.
Entire Agreement: These Terms constitute the entire agreement between the user and Kryptonim concerning the use of the Platform and services, superseding any prior agreements, communications, or understandings.
Force Majeure: Kryptonim shall not be held liable for any delays or failures in performance resulting from events beyond its reasonable control, including but not limited to natural disasters, acts of government, war, terrorism, labor disputes, power outages, internet or telecommunication failures, or other unforeseen events.. Kryptonim will make reasonable efforts to resume services as soon as practicable.
Governing Law and Jurisdiction: These Terms are governed by and construed in accordance with the laws of Hong Kong, without regard to conflict of laws principles. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Hong Kong.
Wallet Services
User Registration
Users must create an account to access the Wallet services provided on the Platform. To register, users are required to provide a valid email address and create a password. Registration may also require additional details such as a username or contact information, as deemed necessary by Kryptonim for account setup and communication purposes.
Registration is open to individuals who are at least 18 (eighteen) years old or the legal age of majority in their jurisdiction, whichever is higher, and who are not legally prohibited from using such services. By registering, you confirm that you meet these age and legal eligibility requirements. Individuals who are legally prohibited from using the services provided by Kryptonim are obliged to refrain from registering and accessing the Platform.
Following the submission of registration details, you will receive an activation link via email. Users must enter this link to activate their account and gain access to the Wallet services.
Kryptonim reserves the right to implement additional security measures during account activation to prevent fraudulent account creation and ensure the security of the Platform.
Users are responsible for ensuring that all information provided during the registration process is accurate and current. Kryptonim relies on this information for providing service notifications and to provide support to user accounts.
Users must update their account information promptly in the event of any changes to ensure uninterrupted access to the wallet services and accurate communication.
Users are responsible for maintaining the confidentiality and security of their account credentials, including their password. It is highly recommended that users choose a strong password and update it regularly.
Kryptonim reserves the right to refuse registration to any user based on its internal policies or if the registration is suspected to be fraudulent or in violation of these Terms.
Users whose registrations have been refused will be informed of the decision when possible, although Kryptonim is not obligated to provide detailed reasoning for the refusal.
Upon successful registration, a Wallet will be automatically created for the User. This Wallet is intended for personal use to store, send, and receive digital assets supported by the Platform. The user is solely responsible for managing their Wallet, including safeguarding Private Keys and other access credentials. By completing the registration process, the User acknowledges their responsibility for maintaining the security of their Wallet and agrees to adhere to all operational guidelines provided by Kryptonim regarding the Wallet's use and security. Failure to manage the Wallet in accordance with these guidelines may result in the loss of digital assets, for which Kryptonim assumes no liability.
Wallet Usage
The account in the Platform and the Wallet are designed exclusively for personal use, providing Users with a secure method to store, send, and receive supported cryptocurrencies. Kryptonim acts solely as a technical facilitator and does not have control over, nor access to, Private Keys and/or Users’ transaction history.
Users retain full ownership and control of their cryptocurrency holdings within the Wallet. Kryptonim cannot assist with Private Key recovery or password retrieval. Users must ensure their Wallet credentials, including Private Keys, Recovery Phrases, and passwords, are securely stored and backed up in an offline environment to prevent unauthorized access or irreversible losses.
Users are responsible for ensuring compliance with all relevant laws governing their use of the Wallet, including those related to cryptocurrency transactions and reporting obligations.
Users should verify the accuracy of transaction details before broadcasting them to the Blockchain, as transactions cannot be cancelled or reversed once submitted.
All Blockchain transactions are processed by decentralized networks over which Kryptonim has no control. Kryptonim is not responsible for delays, failures, or other issues arising from these networks.
Users assume all risks associated with fluctuations in cryptocurrency value, network fees, or potential vulnerabilities in underlying Blockchain technologies. The Wallet operates on public Blockchain networks. Transaction speed, cost, and success are dependent on the conditions of the respective networks.
The Wallet must not be used for illegal activities, including but not limited to money laundering, terrorism financing, or transactions involving sanctioned parties or jurisdictions.
Users must not bypass or attempt to circumvent the Platform’s restrictions or engage in activities that harm the Platform’s integrity or security. Providing false information or engaging in fraudulent activities will result in immediate suspension and may be reported to fraud prevention agencies and law enforcement.
Regular updates to device security, including the use of antivirus software and strong password practices, are recommended to protect Wallet access.
Account Suspension, Closure and Termination
Kryptonim reserves the right to suspend Services if there is evidence of misuse or violation of these Terms.
Kryptonim reserves the right to terminate Wallet services for Users found in breach of these Terms. Upon termination, Users are responsible for transferring their assets to an alternative wallet. Kryptonim will not be liable for any losses incurred during or as a result of service termination.
Users may request to close their account on the Platform by submitting a formal request through the designated communication channel. This process will also guide Users on dissociating any linked services, including their Wallet.
Closing the Wallet requires Users to transfer all remaining digital assets out to another external wallet.
Kryptonim may retain registration data and transaction logs related to the User’s account on the Platform for a legally specified period, as required by regulatory obligations outlined in the Privacy Policy after termination of the Agreement.
Once closed, the User's account on the Platform cannot be reactivated. Users wishing to use Kryptonim Services again will need to register for a new account.
Users are responsible for adhering to all legal and regulatory requirements related to the management and closure of their Wallet and account on the Platform, including the secure and lawful transfer of assets.
Card Services
Card Application and User Registration
To apply for the Card, you must first register on the Platform and activate Wallet services. Registration on the Platform is a prerequisite for Card application, as the Wallet facilitates the funding of your Card. While the Card services are complementary to Wallet services, the Wallet can be used independently without applying for or using the Card.
To apply for the Card, you must submit a request through the Platform, providing accurate personal details, including required personal identification documents. The application process will guide you through all necessary steps for compliance and eligibility verification.
The Card does not require a credit check, as it operates on a pre-funded basis. Your spending limit is determined solely by the amount of cryptocurrency you transfer to the Funding Wallet as further described in these Terms.
Upon approval, you may choose to receive either a virtual Card, which is immediately available on the Platform, and/or a physical Card, which will be delivered to the address you provide during the application.
Both virtual and physical Cards can be integrated with Apple Pay and other compatible digital wallets. Separate terms and conditions apply to such integrations, which will be made available to you within the Platform.
The Card is issued by the Card Issuer, which is responsible for the technical issuance and regulatory compliance of the Card. Kryptonim facilitates the application process and acts as the intermediary between you and the Card Issuer. While the Card Issuer is responsible for the issuance of the Card, neither the Card Issuer nor Kryptonim provides banking services, nor do they hold or store fiat and/or cryptocurrency funds on your behalf. The Card Issuer conducts necessary regulatory checks, including identity verification, and ensures the Card complies with applicable legal and financial requirements.
Kryptonim and the Card Issuer will verify the details you provide and determine your eligibility for the Card. This process may include compliance checks in line with applicable laws.
Once approved, virtual Cards will be activated immediately and accessible through the Platform. Physical Cards must be activated following the instructions provided upon delivery.
Card Eligibility Criteria
To apply for the Card, you must meet the following criteria:
Be at least 18 (eighteen) years old or the legal age of majority in your jurisdiction; and
Not be subject to any legal and/or regulatory restrictions preventing the use of such services; and
Reside in a supported country.
The Card services are not available to residents of the following countries: Afghanistan, Belarus, Burundi, Central African Republic, Congo, Crimea region, Cuba, Eritrea, Guinea-Bissau, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, Nicaragua, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen, and Zimbabwe. Additional restrictions may apply as determined by regulatory or compliance requirements.
Data Collection and Processing
By applying for the Card, you consent to provide personal data necessary for identity verification and compliance, including identification documents and other required information.
Kryptonim securely transmits your data to the Card Issuer for compliance and issuance purposes. Data is handled in accordance with applicable data protection laws and the Privacy Policy
Card Funding and Spending
To add balance to your Card, you must transfer supported cryptocurrencies to the Funding Wallet provided to you on the Platform. The Platform will guide you through the transfer process, displaying the Funding Wallet address and providing clear instructions to ensure a seamless transaction.
Upon receipt of your transfer into the Funding Wallet, the cryptocurrency will be automatically converted to fiat currency at the pre-determined exchange rate displayed to you within the Platform. The equivalent fiat currency amount will be reflected in your Card balance, visible in the Platform.
The Card operates on a pre-funded basis. Your spending limit is directly tied to the cryptocurrency transferred to the Funding Wallet.
All Card balances and transactions are denominated in USD (United States Dollar).
The Card is classified as a credit card but does not bear interest. Your spending is strictly limited to pre-funded amounts, ensuring no debt accrual. Kryptonim ensures timely repayment of the Card balance to the Card Issuer to avoid any additional charges and/or interest.
Fees and Charges
All applicable fees, including issuance, transaction, and maintenance fees, are outlined in the Tariff Table available to you on the Platform.
Changes to fees will be communicated with at least 60 (sixty) days’ notice.
If your Card balance is insufficient to cover applicable fees, certain services may be suspended until the balance is replenished.
User Responsibilities
You are responsible for safeguarding the Card and associated credentials (PIN, CVV, and other personalized security features). Any unauthorized use must be reported immediately.
The Card must not be used for unlawful purposes, including fraud, money laundering, or activities that violate applicable laws and regulations.
You must regularly review your Card balance and transaction history through the Platform. Any discrepancies, unauthorized transactions, or errors must be reported to Kryptonim immediately and no later than 30 (thirty) days from the date of the transaction.
You are responsible for losses resulting from unauthorized transactions due to negligence or failure to report the loss, theft, or misuse of the Card promptly.
Disputes related to Card transactions will be addressed through the applicable arbitration processes of the payment network. Kryptonim cannot guarantee the outcome of such disputes.
Card Lost/Card Stolen
If your Card is lost, stolen, or you suspect it has been compromised, you must report the incident immediately through the Platform or Kryptonim’s customer support.
Upon receiving your report, Kryptonim will deactivate your Card to prevent unauthorized transactions. In cases of physical Cards, this includes deactivation of both the Card and associated digital wallet integration (e.g. Apple Pay).
A replacement virtual Card will be issued immediately and made available on the Platform.
A replacement physical Card will be sent to your registered address. Additional fees for re-issuance and delivery may apply as outlined in the Tariff Table.
You are responsible for all transactions made before the Card is reported as lost, stolen, or compromised. Kryptonim is not liable for unauthorized transactions resulting from delays in reporting.
Foreign Currency Transactions
Transactions made in currencies other than USD will be converted using card networks (e.g. VISA) exchange rates at the time of processing. The converted amount may differ from the displayed transaction amount.
Details of the conversion, including the applicable rate, will be provided in your transaction history on the Platform.
Card Suspension and Cancellation
You may cancel your Card services at any time by notifying Kryptonim. All outstanding balances must be settled prior to termination.
Kryptonim may suspend or terminate your Card services if you breach these Terms, fail to meet compliance requirements, or engage in prohibited activities.