Introduction
These Terms of Service (“Terms”) govern access to and use of the BXNK platform, infrastructure, andrelated services (collectively, the “Services”) provided by ZYRISTER SP ZOO, a Polish limited liabilitycompany registered under KRS number 0001086611, NIP 5214056779, with its registered office at 22BBartycka Street, Apt. 21A, Warsaw, 00-716, Poland, operating under the brand BXNK (“BXNK”, “we”,“us”, or “our”).
These Terms form a legally binding agreement between BXNK and the entity accessing or using theServices (“Client”, “Partner”, “you”, or “your”).
BXNK provides technology infrastructure designed to enable digital asset settlement coordination,liquidity management, and enterprise integrations across financial systems and blockchain networks.
The Services are intended solely for business and institutional use and are not available to individual consumers.
By accessing or using the Services, you confirm that you have the authority to bind your organizationto these Terms.
1. Definitions
For the purposes of data-protection laws (including the EU General Data Protection Regulation “GDPR”),ZYRISTER SP ZOOis the “Data Controller” of your personal data.
- “Account”: A platform account established for a Client to access BXNKinfrastructure, settlement systems, or APIs.
- “Affiliate”: any entity that controls, is controlled by, or is under common control witha party.
- “AML/CTF Requirements”: Applicable anti-money laundering, counter-terrorist financing, sanctions,and financial crime laws and regulations.
- “Applicable Law”: all laws, regulations, directives, and regulatory requirements applicableto the parties or Services.
- “BXNK Platform”: the software, infrastructure, APIs, settlement ledger, dashboards, andtechnical systems operated by BXNK.
- “Client”: an approved legal entity authorized to access BXNK Services
- “Digital Assets”: blockchain-based digital tokens supported by the BXNK platform forsettlement or ledger representation.
- “Settlement Account”: a ledger account maintained within the BXNK platform reflecting digitalasset balances attributed to a Client
- “Services”: all infrastructure, APIs, settlement systems, custody infrastructure,software, and operational tools provided by BXNK.
2. Nature of the Services
BXNK provides technology infrastructure supporting digital asset settlement coordination and enterpriseintegrations.Services may include:
- Digital asset ledger infrastructure
- Custody infrastructure for supported digital assets
- Liquidity coordination systems
- Settlement tools
- Enterprise APIs
- Operational dashboards
BXNK does not operate a cryptocurrency exchange, brokerage, trading platform, or consumer wallet service.
BXNK does not accept fiat currency deposits and does not hold fiat funds on behalf of Clients.
Any fiat payment processing, card acquiring, or payment settlement occurs outside the BXNK platform through licensed financial institutions, payment providers, or Clients themselves
3. Regulatory Status
BXNK provides technology infrastructure and software services.
BXNK is not a bank, financial institution, investment firm, broker-dealer, payment institution, orelectronic money institution, unless explicitly stated otherwise in a separate regulated agreement.
Nothing in these Terms shall be interpreted as creating:
- A banking relationship
- A custody relationship for fiat currency
- A fiduciary relationship
- An investment advisory relationship
Clients remain solely responsible for complying with all regulatory obligations applicable to theiractivities
4. Eligibility
The Services are available only to approved institutional or business entities.
To access the Services, a Client must:
- Be a legally incorporated entity
- Complete BXNK onboarding procedures
- Comply with AML/CTF and sanctions requirements
- Not be located in a prohibited jurisdiction
BXNK may deny or restrict access to the Services at its sole discretion
5. Client Onboarding
Clients must complete onboarding procedures which may include:
- Corporate verification
- Beneficial ownership checks
- AML screening
- Sanctions checks
- Risk assessments
Clients must provide accurate and complete information and must promptly notify BXNK of any material changes to such information.
BXNK may suspend or terminate access where information cannot be verified
6. Platform Access and API Use
Clients may access the Services through:
- BXNK web interfaces
- APIs
- System integrations
Clients are responsible for:
- Securing credentials and API keys
- Maintaining integration security
- Ensuring compliance with BXNK technical requirements
BXNK may impose:
- API rate limits
- Transaction limits
- Operational controls
to maintain platform stability and security.
Unauthorized access attempts or misuse of the BXNK platform are strictly prohibited
7. Digital Asset Settlement
The BXNK platform may maintain digital asset ledger accounts reflecting balances attributed to Clients.
These balances represent digital asset positions recorded within BXNK infrastructure systems.
BXNK may provide technical custody infrastructure for supported digital assets.
Clients remain responsible for the lawful origin and permitted use of assets transacted through the platform.
BXNK does not guarantee the value, liquidity, or market price of any digital asset.
8. Compliance Obligations
Clients must comply with all Applicable Law including:
- AML/CTF requirements
- Sanctions regulations
- Financial crime laws
Clients must not use the Services for:
- Money laundering
- Terrorist financing
- Sanctions evasion
- Fraud
- Illegal activities
BXNK may request additional compliance information at any time.
Failure to comply may result in suspension or termination of Services.
9. Prohibited Activities
Clients may not:
- Attempt unauthorized system access
- Interfere with BXNK infrastructure
- Reverse engineer BXNK technology
- Transmit malicious code
- Violate intellectual property rights
BXNK may immediately suspend access for violations
10. Fees
BXNK may charge fees for
- Infrastructure access
- Settlement services
- Transactions
- Platform usage
- Integration services
Applicable fees may be specified in separate commercial agreements.
BXNK may update its fee schedule with reasonable notice
11. Intellectual Property
All intellectual property rights in the BXNK platform, including software, APIs, documentation,trademarks, and proprietary technology, remain the exclusive property of BXNK or its licensors.
Clients receive a limited, non-exclusive, non-transferable license to use the Services solely for internal business operations.
Clients may not copy, distribute, modify, or reverse engineer BXNK technology without written permission
12. Confidentiality
Each party agrees to keep confidential any non-public information disclosed by the other party inconnection with the Services.
Confidential information may only be used for purposes of performing obligations under these Terms.This obligation survives termination
13. Disclaimer of Warranties
The Services are provided “as is” and “as available.”
BXNK does not guarantee uninterrupted or error-free operation of the platform.
To the maximum extent permitted by law, BXNK disclaims all implied warranties includingmerchantability and fitness for a particular purpose.
14. Limitation of Liability
To the maximum extent permitted by law, BXNK shall not be liable for
- Indirect damages
- Loss of profits
- Loss of data
- Loss of business opportunities
BXNK’s aggregate liability shall not exceed the total fees paid by the Client to BXNK during the threemonths preceding the event giving rise to the claim.
15. Force Majeure
BXNK shall not be liable for delays or failures resulting from events beyond its reasonable controlincluding:
- Natural disasters
- Network failures
- Cyber attacks
- Government actions
- Blockchain network disruptions
16. Termination
BXNK may suspend or terminate access if:
- The Client breaches these Terms
- Compliance requirements are not satisfied
- Regulatory or operational risks arise
Upon termination, access to the Services will cease immediately
17. Governing Law
These Terms are governed by the laws of Poland.
Any disputes arising from these Terms shall be resolved in the courts of Poland unless otherwiserequired by Applicable Law.
18. Amendments
BXNK may update these Terms from time to time.
Where practical, BXNK will provide notice of material changes prior to their effective date.
Continued use of the Services constitutes acceptance of the revised Terms
19. Contact
BXNK
ZYRISTER SP ZOO
22B Bartycka Street, Apt. 21A
Warsaw 00-716
Poland
support@bxnk.com20. Blockchain Network Risks
Digital asset transactions rely on third-party blockchain networks that are not controlled by BXNK.
Clients acknowledge that:
- Blockchain networks may experience congestion, delays, forks, or outages
- Transaction confirmation times may vary
- Network protocol changes may affect asset functionality
- Blockchain transactions may be irreversible
BXNK shall not be responsible for losses arising from:
- Blockchain network failures
- Validator or miner behavior
- Protocol upgrades or forks
- Network congestion or delays
- Attacks on blockchain networks
21. Third-Party Infrastructure and Payment Systems
The Services may rely on third-party infrastructure and financial systems.
This may include:
- Payment networks
- Acquiring banks
- Card schemes
- Blockchain networks
- Liquidity providers
- External settlement systems
BXNK shall not be liable for delays, failures, or losses caused by systems outside BXNK’s control.
22. No Fiduciary Relationship
Nothing in these Terms creates a fiduciary relationship between BXNK and the Client.
BXNK acts solely as a technology infrastructure provider.
BXNK does not:
- Provide investment advice
- Act as a broker or intermediary
- Manage assets on behalf of Clients unless expressly agreed in writing
Clients remain responsible for their financial and operational decisions
23. Export Controls and Sanctions Compliance
Clients may not use the Services in violation of export control laws or economic sanctions administeredby authorities including:
- The European Union
- The United States (OFAC)
- The United Nations
- The United Kingdom (OFSI)
Clients represent that they are not subject to sanctions and will not permit sanctioned parties to accessthe Services.
BXNK may suspend Services immediately if sanctions risks are identified.
24. Privacy and Data Protection
BXNK processes personal data in accordance with its Privacy Policy available at bxnk.com.
By using the Services, Clients acknowledge that BXNK may process personal data as described in the Privacy Policy for purposes including:
- Operating the Services
- Compliance and risk checks
- Fraud prevention
- Legal and regulatory obligations
Where BXNK processes personal data on behalf of a Client, the parties may enter into a separate DataProcessing Agreement (DPA) where required
