How a supported asset is moved into Stake, which rate and period are recorded, when a minimum stops the rate, and how a balance returns to the main wallet.
Version 1.0Updated 15 Jan 202612 sections
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1. Operator and contractual scope
Stake, also shown as Coldvault, is provided by Benzig Jwelsg Digital Solutions N.V., registration number 548658, registered address Zuikertuintjeweg Z/N, Willemstad, Curaçao (the Operator, we or Bituce). These Stake Terms supplement the Terms of Use, Terms of Service, Wallet Terms, Risk Disclosure and AML/KYC Policy. The confirmation screen states the asset, amount, period and rate for that allocation. Mandatory legal protections remain applicable. These terms are not a savings guarantee or investment advice.
2. What Stake is
Stake is a custodial allocation. You move a supported asset from your main wallet into a separate stake balance on your account. It is not a bank deposit, not a regulated fund unit, and not, unless a separate document says so, a delegation of blockchain validation, voting or an external staking protocol. The balance remains an internal record. You do not receive a private key to that balance. No statutory deposit-guarantee scheme is created by labelling the balance Stake or Coldvault.
3. Assets, periods and displayed rates
Only assets shown as available for Stake can be allocated. Where a period is offered for that asset, the choices are those shown at the time, which can include a week, a month, three months, six months and a year. The week, month and year figures on the Stake screen are the configured rates for new allocations. They are not a promise that the same rate will still be offered later, and they are not a quote for an asset or period that is not shown.
4. The rate that is recorded
The rate, period, asset and amount shown when you confirm the transfer are the terms recorded for that allocation. A later change to the public rate table does not rewrite a rate that has already been recorded. If you add more of the same asset, the transfer flow can replace the recorded period, rate and start time for that asset balance. Review the new confirmation before you add funds. A calculator illustration is not itself an allocation.
5. Minimum amount
Each supported asset can have a minimum amount shown on the Stake screen. An allocation below that minimum may be refused. If a return to the main wallet leaves the stake balance below the minimum, the recorded rate for that balance may be cleared. Clearing the rate stops further reward on that balance. It does not, by itself, delete a reward that the account history already shows as credited.
6. Rewards
A reward is calculated from the recorded rate and the stake balance under the accrual the product applies. It is paid only when it is entered in the stake history as a credit. A displayed annual or period rate is not interest on a bank deposit and is not a guaranteed future yield. The market price of the asset can fall by more than any reward. Rewards can be paused for a compliance or security hold. Unaccrued reward is not crystallised merely because you request a return.
7. Return to the main wallet
You may transfer an available stake amount back to the main wallet, subject to the available balance and any restriction. These terms do not add a separate early-exit penalty beyond the consequences the product actually applies, including clearance of a rate below the minimum and the fact that reward which has not been accrued is not paid. A return is an internal allocation, not a blockchain withdrawal. Wallet Terms apply again once the amount is in the main wallet.
8. Separation from other balances
A stake balance is distinct from the main wallet, from amounts reserved for Exchange orders, and from loan repayment balances. It is not automatically available for a casino stake or a trade. A loan restriction on a currency can still limit movement of that currency, as the Loan Terms describe. Do not assume that a stake reward will repay a loan or release a reserved order.
9. Stake PIN
Where the product asks you to set a stake PIN, that PIN is an account control for Stake instructions. Keep it confidential. A PIN does not convert the balance into self-custody and is not a private key. You are responsible for instructions confirmed with your credentials and PIN. Tell Support promptly if you believe the PIN or the account is compromised. We may require additional checks before a return or a change of PIN.
10. Stake risks
You can lose value because the asset price falls, because a rate is changed for a new allocation, because a balance falls below the minimum, or because of operator, cyber or legal restrictions. Reward rates are configured by the platform and can be withdrawn for future allocations. Stake does not hedge the asset price. Read the Risk Disclosure. You decide the asset, amount and period. Past displayed rates are not a forecast.
11. Records, tax and complaints
Stake history, including transfers in, transfers out and credited rewards, is the record. Review it and report a discrepancy promptly with the asset and the time of the transfer. You remain responsible for any tax or reporting duty on rewards in your circumstances. Complaints follow the Complaints Policy. These terms do not exclude liability that cannot lawfully be excluded.
12. Closure
Before an account is closed, stake balances have to be returned to the main wallet or otherwise lawfully reconciled, and restrictions have to be cleared. We may refuse a new allocation while a review is open. Ending Stake for new allocations does not forfeit a balance that remains withdrawable to the main wallet under these terms. A balance is not abandoned merely because you stop visiting the page.
