These Terms of Service ("Terms") govern your access to and use of the services provided by Bit Bank AG ("Bit Bank", "we", "us"), a company incorporated under the laws of Switzerland with registered offices in Zurich.
By accessing our website (bit-bank.io), trading platform (exchange.bit-bank.io), custody portal (online.bit-bank.io), or any related services, you agree to be bound by these Terms. If you do not agree, do not use our services.
"Platform" means the Bit Bank website, exchange, custody portal, and all related applications and services.
"Decentralised Services" means spot exchange, futures trading, staking, yield vaults, hedge fund vaults, fixed income products, and ZK Shield — accessible by connecting a wallet without KYC.
"Custody Services" means Swiss Fort Knox digital asset custody, fiat on/off ramps, card services, OTC desk, and precious metals physical redemption — requiring KYC verification.
"Digital Assets" means cryptocurrencies, synthetic assets, tokens, and other digital representations of value.
"User" means any person who accesses or uses the Platform.
You must be at least 18 years old to use our services. By using the Platform, you represent that you are of legal age in your jurisdiction and have the legal capacity to enter into these Terms.
Decentralised Services are accessible by connecting a compatible wallet (MetaMask, XDC Pay, WalletConnect). No identity verification is required. You retain full control of your private keys at all times.
When using Decentralised Services, you acknowledge that:
Custody Services require identity verification under Swiss Anti-Money Laundering Act (AMLA) and FINMA regulations. By applying for Custody Services, you consent to:
Bit Bank reserves the right to decline any application at its sole discretion.
Current fee schedules are published on the Platform and may be updated from time to time. Key fees include:
All fees are subject to change with 30 days' notice to Custody clients.
Digital asset trading involves substantial risk of loss. See our separate Risk Disclosure document for full details. By using the Platform, you acknowledge that:
All content, trademarks, logos, and software on the Platform are the property of Bit Bank AG. You may not reproduce, distribute, or create derivative works without our written consent.
Your personal data is processed in accordance with the Swiss Federal Act on Data Protection (FADP) and our Privacy Policy. All data is stored exclusively in Switzerland. We do not sell or share your data with third parties except as required by Swiss law.
To the maximum extent permitted by Swiss law, Bit Bank shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform, including but not limited to loss of profits, data, or digital assets.
Our total liability for any claim shall not exceed the fees paid by you in the 12 months preceding the claim.
You agree to indemnify and hold harmless Bit Bank, its directors, officers, employees, and agents from any claims, damages, or expenses arising from your use of the Platform or violation of these Terms.
These Terms are governed by the laws of Switzerland. Any disputes shall be resolved exclusively by the courts of Zurich, Switzerland, unless otherwise required by mandatory consumer protection laws of your jurisdiction.
We may modify these Terms at any time. Material changes will be communicated via email to Custody clients and posted on the Platform with 30 days' notice. Continued use after the effective date constitutes acceptance.
Bit Bank AG
Zurich, Switzerland
Email: legal@bit-bank.io
General: support@bit-bank.io