App Terms and Conditions

1.1 80 Eight SA (Pty) Ltd (Registration Number 2017/ 435463/07), trading as 80 Eight (“80 Eight”, “we”, “our” or “us”), is authorised by the FSCA as a Financial Services Provider under FSP licence number 49010 and is registered with the FSCA.

1.2 Reference to “80 Eight” includes our employees, officers, directors, Key Individuals, Representatives, agents, shareholders, affiliates and appointed service providers, where the context requires.

1.3 These App Terms and Conditions (“Terms”), together with the documents incorporated by reference - including our Privacy Policy and Risk Disclosure Statement – are a single, complete agreement governing both (i) your licence to use the App, and (ii) your access to our financial services through it. Part A applies to you in full; Part B applies to you to the extent you use, or apply to use, a particular Service.

1.4 By accepting these Terms and downloading, installing, or registering to use the App - including by ticking the applicable acceptance box and tapping “I Agree”, “Register”, or the equivalent action presented during sign-up – you agree to be bound by these Terms, in your own capacity and/or on behalf of any entity for whom you use the App (where permitted). If you are a natural person, you confirm that you are a Competent Person as defined in the Protection of Personal Information Act 4 of 2013 (“POPIA”). If you do not accept these Terms, you must not proceed with registration, and must not download, install or use the App.

1.5 We may amend these Terms from time to time to reflect changes in law, regulation, FSCA guidance, an App Store Operator's Usage Rules, or the Services we offer. Save where a change is required immediately by law or a regulatory directive, we will publish proposed amendments on the App at least 7 (seven) days before they take effect, so that you have a reasonable opportunity to close your Account first if you do not accept the amendment. Where required by law, we will ask you to re-confirm your acceptance before you can continue using the App; otherwise, continued use of the App after an amendment takes effect constitutes acceptance of the amended Terms.

1.6 We will communicate with you electronically (including by email, SMS, push notification or in-app message) and will treat correspondence sent to your last recorded details as received. You are responsible for keeping your contact and identification details up to date.

The following defined terms are used throughout these Terms. Terms specific to a single Schedule are defined in that Schedule.

3.1 Save where 80 Eight expressly furnishes financial advice through a duly authorised Key Individual or Representative acting within its licensed categories under FSP 49010, and subject to a written record of advice, the App is provided on an execution-only basis. Nothing communicated through the App, including the Newsletter (Schedule 5), is intended as financial advice, and 80 Eight makes no representation as to the suitability of any Crypto Asset for any particular Client.

3.2 80 Eight does not act as your broker, intermediary or agent (save to the limited extent set out in Schedule 2 in respect of 88Pay), has no fiduciary relationship with you, and does not exercise discretionary authority over your Account, save as you expressly authorise under Schedule 3 (Autostack) or a Treasury Mandate under Schedule 4 (Treasury Desk).

3.3 These Terms do not create a partnership, joint venture or agency relationship between the parties. You remain solely responsible for the decisions you make using the Services.

4.1 Subject to your compliance with these Terms, 80 Eight grants you a limited, personal, non-exclusive, non-transferable, revocable licence to download, install and use the App on a Device you own or control, solely for your own use of the Services.

4.2 This licence does not transfer any ownership in the App to you, and is subject to any applicable Usage Rules of the App Store through which you obtained the App.

4.3 Where your Device is provided by, or used in connection with, an employer or other third party, you are responsible for ensuring you are permitted to install and use the App on that Device.

5.1 To open an Account you must have attained the age of majority (18 years) and have full legal capacity to accept these Terms.

5.2 You may not hold more than one Account, save with 80 Eight's prior written consent (for example, alongside a Treasury Mandate under Schedule 4).

5.3 We will assign your Account a verification level based on the client due diligence information you provide. Higher verification levels may unlock increased transaction and withdrawal limits and access to additional Services, in line with our risk-based approach under our RMCP.

5.4 A Linked Bank Account will not be recognised where it is situated in, or held by a person or entity on, a prohibited or sanctions list referred to in clause 7.

5.5 Accepting these Terms and completing registration does not, by itself, entitle you to access any Service; access to the Services remains subject to the verification requirements in this clause 5 and the eligibility requirements in clause 7.

6.1 As an accountable institution under Schedule 1 to the FIC Act, we are required to conduct client due diligence (“CDD”), including identity verification, source-of-funds enquiries where applicable, and ongoing monitoring, before and during your relationship with us.

6.2 By accepting these Terms, you authorise us to perform such CDD, verification and screening (including sanctions and politically exposed person screening) as we consider necessary, without further notice to you, using reputable third-party verification providers where appropriate.

6.3 We maintain an RMCP approved in terms of section 42 of the FIC Act, setting out our risk-based approach to CDD, ongoing due diligence, record-keeping, and the reporting of suspicious and unusual transactions to the Financial Intelligence Centre. The RMCP is not published to Clients, save as required by law.

6.4 We are required by law to file reports with the Financial Intelligence Centre in certain circumstances, and section 29A of the FIC Act prohibits us from disclosing to you that such a report has been, or may be, filed.

7.1 Your use of the Services, and any transfer into or out of your Wallet, may be restricted by exchange control, sanctions or banking laws applicable to your country of citizenship or residence. It is your responsibility to comply with those laws.

7.2 You may not use the Services or the App if you are a citizen or resident of, or located in, a jurisdiction subject to comprehensive United Nations, United States (OFAC), European Union or other applicable sanctions, or any jurisdiction we have determined, under our RMCP, to be prohibited. You represent that you are not located in a country subject to a government embargo or designated as “terrorist supporting”, and are not listed on any government list of prohibited or restricted parties, in each case to the extent required by an App Store Operator or applicable law.

7.3 These Terms govern 80 Eight's business conducted in and from the Republic of South Africa under FSP 49010.

8.1 You warrant that you:

8.1.1 will not open an Account in the name of, or on behalf of, a third party without our prior written consent;

8.1.2 will use your Account for your own benefit only, save where we have given prior written consent for it to be used on behalf of your own underlying clients (for example, under a Treasury Mandate);

8.1.3 will not hold more than one Account, save with our prior written consent;

8.1.4 will provide true, accurate, current and complete information, and will promptly update it if it changes; and

8.1.5 will use your Account for lawful purposes only, and will not use the Services to facilitate money laundering, terrorist financing, proliferation financing, sanctions evasion, tax evasion, or any other unlawful activity.

8.2 A breach of any of the above entitles us, at our discretion, to restrict, suspend or terminate your use of the Services and your licence to use the App.

9.1 We are entitled to rely on any instruction given through your Account, regardless of whether the person giving it was in fact authorised to do so, save where we knew or ought reasonably to have known the instruction was unauthorised.

9.2 You are solely responsible for keeping your login credentials, passwords and API keys secure, and for any activity conducted through your Account as a result of a failure to do so.

10.1 We may release updates to the App from time to time, including to add or remove functionality, to address a security vulnerability, or to comply with an App Store Operator's requirements. You should keep the App updated to the latest version, and we may require this for continued use of certain Services.

10.2 We do not guarantee that the App will be available, uninterrupted, or error-free at all times, and may suspend or withdraw the App, in whole or in part, in accordance with clause 15.

10.3 Save to the extent required by applicable law, we are not obliged to provide maintenance or support in respect of the App beyond what is made available to Clients generally from time to time.

11.1 The App may request permission to access functions on your Device, including the camera (for document capture and verification), biometric authentication features (such as fingerprint or facial recognition, used only to authenticate access to the App on that Device), push notifications, and location services, where relevant to a Service.

11.2 You may decline a requested permission through your Device's settings, but doing so may prevent you from using a feature of the App that depends on that permission.

11.3 Biometric authentication used to unlock the App is verified locally on your Device by the Device's own operating system; 80 Eight does not receive or store your biometric data as a result of enabling this feature.

11.4 80 Eight's collection, use and storage of your personal information obtained through the App is governed by POPIA and our Privacy Policy, incorporated into these Terms by reference.

12.1 The App, and all intellectual property rights in it (including source code, object code, design, trademarks, and the 80eight name and logo), are owned by or licensed to 80 Eight. Nothing in these Terms transfers any intellectual property right in the App to you.

12.2 You may not copy, modify, adapt, translate, reverse engineer, decompile, or disassemble the App, or create derivative works based on it, save to the extent such restriction is prohibited by applicable law.

12.3 You may not remove, obscure, or alter any proprietary notice (including trademark or copyright notices) affixed to or contained within the App.

13.1 80 Eight acts as custodian of the private keys associated with Crypto Assets held in your Wallet, whether directly or through a reputable third-party custody partner.

13.2 Custody of private keys does not affect your beneficial ownership of the underlying Crypto Assets. Ownership does not vest in 80 Eight or any custodian, does not form part of 80 Eight's estate in business rescue, liquidation or insolvency, and is not available to 80 Eight's creditors.

13.3 80 Eight will not sell, loan, pledge or otherwise deal with your Crypto Assets other than as you instruct or as required by law.

14.1 While we maintain security measures appropriate to our business, you are responsible for remaining vigilant, monitoring your Account, and promptly reporting unrecognised or unusual activity to us.

14.2 You are solely responsible for safeguarding your login details, for the security of your own Device – including using a Device passcode or equivalent security feature, keeping its operating system updated, and not installing the App from an unofficial or unverified source – and for ensuring devices used to access the App are free of malware.

14.3 We may offer optional enhanced security features (such as two-factor authentication). We encourage, but do not require, you to enable them, and you remain responsible for the security of any device associated with an enabled feature.

14.4 We are not liable for loss arising from your use of a compromised, modified, or insecure Device, save to the extent such loss results directly from our wilful misconduct or gross negligence.

15.1 We may modify, suspend or discontinue all or part of the Services or the App, temporarily or permanently, with or without prior notice, where reasonably necessary for security, regulatory, operational or commercial reasons.

15.2 We may suspend, restrict, freeze or make an Account inaccessible for any lawful reason, including suspected unlawful activity, a directive from a competent authority, or as required by our FIC Act obligations. Where legally permitted, we will notify you of the reason.

15.3 We are not liable for loss arising from action taken in good faith under this clause, save to the extent such loss results directly from our wilful misconduct or gross negligence.

16.1 You may not, in connection with the Services or the App:

16.1.1 violate any law, regulation or third-party right;

16.1.2 engage in or facilitate money laundering, terrorist financing, sanctions evasion, fraud or any other illegal activity;

16.1.3 interfere with, disrupt, or attempt to gain unauthorised access to the App, 80 Eight's systems, or another Client's Account;

16.1.4 introduce a virus, worm, trojan horse, or other malicious code;

16.1.5 use a robot, scraper or other automated means to access the App or extract data, save through our published API;

16.1.6 use the App on a Device that has been jailbroken, rooted, or otherwise had its security features circumvented, where doing so compromises the security of your Account;

16.1.7 use the App in a manner that would breach an App Store Operator's Usage Rules;

16.1.8 provide false, inaccurate or misleading information to us; or

16.1.9 post or transmit unlawful, defamatory, harassing or otherwise objectionable content through any feature of the App.

16.2 A breach of clause 16.1 entitles us to restrict, suspend or terminate your Account and your licence to use the App, with immediate effect, subject to our obligations under applicable law.

17.1 Where you obtain the App through an App Store, your use of the App is also subject to the Usage Rules of the relevant App Store Operator. If there is a conflict between these Terms and an App Store Operator's Usage Rules, the Usage Rules prevail solely to the extent necessary to resolve the conflict in respect of that App Store.

17.2 These Terms are an agreement between you and 80 Eight only. No App Store Operator is a party to these Terms and no App Store Operator has any obligation to provide maintenance or support in respect of the App.

17.3 80 Eight, and not any App Store Operator, is solely responsible for the App and its content, and for addressing any claim by you or a third party relating to the App, including a claim that the App fails to conform to an applicable warranty, a product liability claim, a claim arising under consumer protection or similar legislation, or a claim that the App infringes a third party's intellectual property rights. Where applicable law requires an App Store Operator to provide a remedy for the App's failure to conform to a warranty, you may notify the relevant App Store Operator, whose sole obligation will be to refund the purchase price for the App, if any.

17.4 Each App Store Operator, and its subsidiaries, is a third-party beneficiary of these Terms as they relate to your licence to use the App, and each App Store Operator has the right to enforce these Terms against you as a third-party beneficiary of them.

The App may incorporate or link to services or content provided by a third party (for example, a market data feed, identity verification provider, or customer support tool). 80 Eight is not responsible for the availability, accuracy, or content of a third-party service, save to the extent 80 Eight has expressly agreed to be responsible for it under these Terms.

19.1 It is your sole responsibility to comply with all laws applicable to your use of the Services, including the determination, reporting and payment of any taxes, and compliance with the Exchange Control Regulations, 1961 (issued under the Currency and Exchanges Act 9 of 1933), where your use of the Services has a cross-border element.

19.2 We do not provide tax, legal or exchange control advice, and make no representation regarding the tax or regulatory treatment of any Crypto Asset or Fiat transaction in any jurisdiction.

20.1 If you are dissatisfied with the Services or the App, you may lodge a complaint with us at compliance@80eight.io, which will be handled in accordance with our Complaints Policy, prepared with reference to the FSCA's Conduct Standard on complaints handling by FSPs.

20.2 If your complaint is not resolved to your satisfaction, you may refer it to the FAIS Ombud (in respect of FAIS-related complaints) or to the FSCA, using the contact details published in the App and in our Statutory FAIS Disclosure Notice.

20.3 Referring a complaint to our internal process, the FAIS Ombud, or the FSCA does not suspend any time period applicable to a claim you may otherwise have.

21.1 To the fullest extent permitted by law, and without limiting any right you have under the FAIS Act, the Consumer Protection Act 68 of 2008 (“CPA”) (where applicable), or any other law that cannot be excluded by agreement, we are not liable to you for any indirect, special, incidental or consequential loss, or loss of profit, revenue or data, arising from or in connection with the Services or the App, or your use of, or inability to use, the App.

21.2 Nothing in these Terms limits our liability for death or personal injury caused by our negligence, for fraud, or for any liability that cannot lawfully be excluded or limited.

21.3 Where you are a juristic person, and to the extent permitted under section 5(2) to (6) of the CPA, the parties agree that the consumer protections in the CPA that may otherwise apply to you as a “juristic person” do not apply to the extent your asset value or annual turnover exceeds the applicable prescribed threshold.

You indemnify 80 Eight against any claim, loss, liability, cost or expense arising from your breach of these Terms, your unlawful use of the Services or the App, or your breach of any warranty in clause 8, save to the extent caused by our wilful misconduct or gross negligence.

23.1 Crypto Assets, including the ZAR8 Token once launched, are volatile, may lose some or all of their value, and are not suitable for every Client. Full risk disclosures are set out in our Risk Disclosure Statement, incorporated into these Terms by reference, which you confirm you have read and understood before using the Services.

23.2 Save to the extent caused by our wilful misconduct or gross negligence, we are not liable for loss arising from fluctuations in the value of a Crypto Asset, blockchain network congestion or failure, or the conduct of a third party outside our reasonable control.

24.1 Save as expressly stated in these Terms, and to the fullest extent permitted by law, the App is provided “as is” and “as available”, without warranty of any kind, whether express or implied, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement.

24.2 Nothing in this clause 24 limits a warranty that cannot lawfully be excluded, including any warranty you have under the CPA, to the extent applicable.

Neither party is liable for a failure or delay in performing its obligations (other than a payment obligation) caused by circumstances beyond its reasonable control that could not reasonably have been foreseen, including war, civil unrest, act of government, natural disaster, epidemic, strike, or failure of a third-party system, network or infrastructure provider.

26.1 You may close your Account at any time using the self-service "Delete Account" function under Settings in the App, confirmed with your PIN, subject to first withdrawing all Fiat and Crypto Assets from your Wallet, save to the extent prohibited by law or a valid court order or regulatory directive. We will delete your Account within a reasonable time after closure, save for records we must retain under the FIC Act (currently a minimum of 5 years) or other applicable law.

26.2 On receiving satisfactory evidence, or forming a reasonable belief, that you have died, we may restrict or suspend your Account for security purposes pending instructions from your appointed executor, and may require Letters of Executorship or other documentation we reasonably consider necessary before granting the executor access.

26.3 If your Account has been inactive, and you have not responded to our reasonable attempts to make contact, for 3 (three) years (a “Dormant Account”), we may be required to report and, if applicable, remit the Fiat or Crypto Assets in that Dormant Account to the appropriate authority as unclaimed property, in accordance with applicable law.

26.4 We may suspend or terminate your licence to use the App at any time, with immediate effect, where you breach these Terms, where we suspend or terminate your Account under this clause 26 or clause 16, or where required to do so by law or by an App Store Operator's Usage Rules. You may terminate your licence to use the App at any time by uninstalling it from your Device(s); this does not, by itself, close your Account, which you must close separately in accordance with clause 26.1 if you wish to do so. On termination of your licence to use the App for any reason, you must cease using, and must uninstall, the App from every Device on which it has been installed.

27.1 These Terms are governed by the laws of the Republic of South Africa, and the parties submit to the non-exclusive jurisdiction of the South African courts.

27.2 If a provision of these Terms is found unlawful or unenforceable, the remaining provisions continue in full force and effect.

27.3 Our failure to enforce a provision of these Terms is not a waiver of our right to do so later.

27.4 These Terms, together with the documents incorporated by reference, constitute the entire agreement between the parties on this subject, and supersede any prior agreement or understanding between them.

27.5 You may not cede, assign or delegate your rights or obligations under these Terms without our prior written consent. We may cede or assign our rights, including in connection with a restructuring, sale or transfer of our business, subject to applicable regulatory approval.

27.6 We process your personal information in accordance with POPIA and our Privacy Policy, incorporated into these Terms by reference.

27.7 Questions about these Terms may be directed to compliance@80eight.io

Each Schedule below sets out the terms specific to one 80 Eight product. A Client is bound by a Schedule only to the extent it uses, or applies to use, the relevant Service. Schedules 6 and 7 are included in readiness for launch and are not yet in effect – see the status note at the start of each.

Funding, withdrawing, holding and trading Fiat and Crypto Assets.

0.1 This Schedule forms part of, and must be read together with, Part A (General Terms) of these Terms and Conditions. Capitalised terms used but not defined in this Schedule have the meaning given to them in Part A. In the event of a conflict between this Schedule and Part A in respect of the product it governs, this Schedule prevails to the extent of the inconsistency.

1.1 You must fund your Wallet with Fiat and/or a supported Crypto Asset before transacting on the Platform.

1.2 Crypto Asset funding occurs by you providing the sender with a receive address generated by the Platform for the relevant Crypto Asset and network.

1.3 Fiat funding may only be made from a bank account held in your own name at a South African licensed bank, by electronic funds transfer or such other method as we permit from time to time. We do not accept cash or cheque deposits.

1.4 Where a unique funding reference is issued, you must use it correctly. We are not responsible for funds misallocated because a reference was omitted or incorrectly recorded, but will make reasonable efforts to assist in tracing and correctly allocating such funds.

1.5 If Fiat or Crypto Assets are credited to your Wallet in error, notify us promptly at support@80eight.io. You have no claim to funds mistakenly credited and must comply with our instructions to reverse the error. We may, but are not obliged to, unilaterally reverse an erroneous credit, and may suspend your Account pending rectification if you do not cooperate.

1.6 We may decline to credit, or hold pending review, Crypto Asset transfers received below our minimum deposit threshold or from addresses/counterparties flagged by our sanctions and transaction-monitoring controls under the RMCP.

2.1 must maintain sufficient Fiat and/or Crypto Assets in your Wallet to meet any open orders and applicable fees. We may impose withdrawal limits, and withdrawal timing may be affected by matters outside our control, including custodian processing times, blockchain network congestion, and sanctions or FIC Act screening.

2.2 Crypto Asset withdrawals are made to an address not controlled by 80 Eight (an “External Address”). We may require you to verify an External Address before processing a withdrawal, consistent with the Travel Rule obligations in clause 4. Once broadcast, transfers cannot be reversed, and we have no liability for transfers sent to an incorrect, mistyped or unsupported address or network as instructed by you.

2.3 Fiat withdrawals may only be made to your Linked Bank Account. We are not liable for a withdrawal made in accordance with incorrect account details you provided.

2.4 No withdrawal is permitted to an External Address or Linked Bank Account appearing on a sanctions or prohibited list.

2.5 We will process withdrawal requests as soon as reasonably practicable, subject to our FIC Act, sanctions screening and internal risk-management obligations.

3.1 You may buy and/or sell supported Crypto Assets at a price determined by our pricing engine with reference to prevailing market prices and our own liquidity arrangements. We may act as principal in these transactions and may apply a spread or margin.

3.2 A quoted price is not negotiable. If you do not accept it, the transaction will not proceed. Once executed on the basis of an accepted price, a transaction cannot be reversed by you.

3.3 We do not guarantee that any order will be executed, and execution is subject to matters including liquidity availability, system availability, and compliance with our trading and risk parameters. We may impose limits on the size, type or frequency of orders and may decline to process an order for any lawful reason.

3.4 You are solely responsible for verifying transaction details (Crypto Asset, quantity and price) before submitting an order. We are not liable for loss arising from an error in your own instruction.

4.1 In accordance with FATF Recommendation 16 (the “Travel Rule”), FIC Directive 9 and PCC 61, we are required to collect, verify and, where applicable, transmit originator and beneficiary information for Crypto Asset transfers above the applicable threshold.

4.2 You consent to our disclosing this information to counterparty CASPs, financial institutions and competent authorities as required by law, and agree to supply accurate and complete information when requested. Failure to do so may delay, restrict or result in rejection of a transaction.

4.3 We are not liable for delays, rejections or restrictions arising from our compliance with the Travel Rule or any other applicable regulatory framework.

We may, at our discretion, attempt to correct, reverse or cancel a funding, withdrawal or transaction affected by an error, whether caused by you, us or a third party. You authorise us to attempt such correction, which we do not guarantee will succeed.

Fiat and Crypto Assets held in your Wallet do not attract interest, save as may separately apply to the ZAR8 Token once launched (Schedule 6), and then only as expressly stated in that Schedule.

7.1 We decide, in our discretion, which Crypto Assets, Fiat currencies and blockchain networks we support, and may discontinue support at any time. Save where prohibited by law or a law enforcement request, we will use reasonable efforts to give you at least 14 days' notice before ceasing support for an asset you hold, to allow you to withdraw or transfer it.

7.2 If you do not withdraw or transfer the relevant asset before support ceases, we may, in our reasonable discretion, convert it into a stablecoin or other Crypto Asset we continue to support, and will use reasonable efforts to preserve value for you, but do not guarantee any value will be recoverable.

7.3 If Crypto Assets are sent to us using an unsupported asset type or an unsupported, incorrect or disabled blockchain network, we may be unable to access or return them, and will have no liability for the resulting loss, save to the extent caused by our wilful misconduct or gross negligence.

Sending and receiving Fiat and Crypto Asset payments to and from other Clients and approved recipients.

This Schedule forms part of, and must be read together with, Part A (General Terms) of these Terms and Conditions. Capitalised terms used but not defined in this Schedule have the meaning given to them in Part A. In the event of a conflict between this Schedule and Part A in respect of the product it governs, this Schedule prevails to the extent of the inconsistency.

1. 88Pay allows you to instruct us to transfer Fiat and/or a supported Crypto Asset from your Wallet to another Client, or to a nominated recipient identified by email address, mobile number or QR code, pending that recipient opening an Account (a “Transfer Instruction”).

2. On receipt of a valid Transfer Instruction, and subject to Part A, clause 7 (Restrictions on Use and Sanctions) and our sanctions and transaction-monitoring controls, we will debit your Wallet and credit the recipient's Wallet. Once received by us, a Transfer Instruction cannot be cancelled.

3. We are not responsible for verifying the accuracy of recipient details you supply, and any loss arising from incorrect details is for your account. If you become aware that Fiat or Crypto Assets have been credited to your Wallet in error via 88Pay, notify us immediately and comply with our instructions to reverse the error, in accordance with Schedule 1 clause 1.5.

4. Where 88Pay is provided together with a third-party payment partner, acquirer or payment gateway, your use of that functionality is also subject to that third party's terms, and, in the event of conflict, these Terms prevail to the extent permitted by law.

5. We are not liable for a delay, failure or error in processing, settlement or transmission of an instruction under 88Pay, except to the extent such loss results directly from our wilful misconduct or gross negligence.

6. A payment processed through 88Pay may be subject to the Exchange Control Regulations, 1961, where it involves a cross-border element, and to any other applicable reporting or classification requirement. You remain solely responsible for determining and complying with such requirements; we provide no advice on the regulatory or exchange control treatment of a payment.

Scheduled, recurring purchases of a supported Crypto Asset.

0.1 This Schedule forms part of, and must be read together with, Part A (General Terms) of these Terms and Conditions. Capitalised terms used but not defined in this Schedule have the meaning given to them in Part A. In the event of a conflict between this Schedule and Part A in respect of the product it governs, this Schedule prevails to the extent of the inconsistency.

1. Autostack lets an eligible Client schedule recurring purchases of a supported Crypto Asset (each, an “Autostack Order”), at a frequency, amount and payment currency you select on the Platform.

2. enabling Autostack, you authorise us to debit your Wallet with the selected amount at each scheduled interval and to execute the corresponding purchase, until you or we cancel the Autostack Order.

3. The amount of Crypto Asset acquired in each Autostack Order depends on the prevailing market price at the time of execution. We do not guarantee execution at any specific price, or that an Autostack Order will execute immediately once triggered.

4. If an Autostack Order cannot be completed due to insufficient available Fiat or Crypto Asset in your Wallet, we may, at our discretion, skip that instalment, hold the instruction open until sufficient funds are available, or cancel the Autostack Order, applying a consistent approach across similarly situated Clients.

5. You may cancel Autostack at any time on the Platform. Cancellation does not entitle you to a refund of an Autostack Order already executed.

6. Autostack is subject to the fees, which we may deduct directly from your Wallet.

7. We are not liable for loss arising from the use of Autostack, except to the extent such loss results directly from our wilful misconduct or gross negligence.

Bespoke over-the-counter and treasury management services for institutional and corporate clients.

0.1 This Schedule forms part of, and must be read together with, Part A (General Terms) of these Terms and Conditions. Capitalised terms used but not defined in this Schedule have the meaning given to them in Part A. In the event of a conflict between this Schedule and Part A in respect of the product it governs, this Schedule prevails to the extent of the inconsistency.

1. Treasury Desk is made available to institutional, corporate and other approved clients who meet our eligibility criteria (“Treasury Clients”).

2. A Treasury Client's use of Treasury Desk is governed by these Terms together with a separate treasury services mandate or agreement (a “Treasury Mandate”), which sets out matters specific to that relationship, including settlement, credit, margining, minimum size, and relationship-management terms. In the event of conflict between a Treasury Mandate and these Terms, the Treasury Mandate prevails to the extent of the inconsistency.

3. Pricing for Treasury Desk transactions is negotiated bilaterally with reference to prevailing market conditions and is not available via our standard Digital Wallet pricing engine.

4. Treasury Desk transactions are, once confirmed by both parties, final and binding, save as expressly agreed otherwise in the applicable Treasury Mandate.

5. We do not provide investment advice to Treasury Clients through Treasury Desk unless expressly agreed in writing and delivered by a duly authorised Key Individual or Representative under FSP 49010, accompanied by a record of advice as required by the FAIS General Code of Conduct.

General market commentary and informational content – not financial advice.

0.1 This Schedule forms part of, and must be read together with, Part A (General Terms) of these Terms and Conditions. Capitalised terms used but not defined in this Schedule have the meaning given to them in Part A. In the event of a conflict between this Schedule and Part A in respect of the product it governs, this Schedule prevails to the extent of the inconsistency.

1. Our Newsletter and any related market commentary, blog or social media content is provided for general informational purposes only, does not constitute financial, investment, tax or legal advice, and does not take into account any Client's individual financial situation or objectives.

2. You may subscribe to or unsubscribe from the Newsletter at any time. We will process any unsubscribe request and related personal information in accordance with POPIA and our Privacy Policy.

3. All Newsletter and marketing content is prepared and approved in accordance with section 14 of the FAIS General Code of Conduct (advertising).

0.1 This Schedule forms part of, and must be read together with, Part A (General Terms) of these Terms and Conditions. Capitalised terms used but not defined in this Schedule have the meaning given to them in Part A. In the event of a conflict between this Schedule and Part A in respect of the product it governs, this Schedule prevails to the extent of the inconsistency.

1. The ZAR8 Token Distribution feature described in this Schedule is not yet available. This Schedule takes effect only once 80 Eight formally launches the ZAR8 Token, and these Terms will be republished with a clear effective date for this Schedule at that time.

2. The ZAR8 Token is a Crypto Asset referenced to the value of one South African Rand, redeemable at par for ZAR subject to this Schedule and 80 Eight's disclosed operating cut-offs. The ZAR8 Token is not a bank deposit, is not covered by any deposit protection scheme, and is not a unit in a collective investment scheme. Acquiring a ZAR8 Token is an exchange of ZAR for the Token, and redeeming one is a cancellation of the Token in exchange for ZAR – not a withdrawal of money held on your behalf.

3. Fiat received in exchange for ZAR8 Tokens is held and invested by 80 Eight (or its nominated custodian) in its own name and for its own account. You acquire no proprietary interest in, and no entitlement to any interest or other return generated on, that Fiat reserve.

4. We may, from time to time and in our sole discretion, make a discretionary Bitcoin Distribution available to eligible ZAR8 Token holders, funded from our own trading activity and not from client funds or from any pooling of client Fiat. A Bitcoin Distribution is not interest, is not guaranteed, and is not a return on your Fiat Investment. Past Bitcoin Distributions do not indicate or guarantee future Bitcoin Distributions, and no Bitcoin Distribution will be made in respect of any period in which our Bitcoin trading activity does not generate a positive result.

5. Nothing in this Schedule constitutes a guarantee of capital, a guaranteed return, or a participatory or pooled interest in any fund, portfolio or scheme. The ZAR8 Token and any Bitcoin Distribution are not endorsed, approved or guaranteed by the FSCA, the SARB or any other regulator; our role is limited to that of an authorised FSP acting in accordance with our Licences.

6. You may redeem ZAR8 Tokens at par for ZAR, subject to our disclosed processing cut-offs, verification requirements, and any applicable fees. Redemption requests are processed in the order received and are subject to the same Travel Rule, sanctions, and FIC Act screening obligations applicable under Schedule 1.

7. We will ensure that all ZAR8 Token client communications and marketing include: (i) a statement that the ZAR8 Token is not a bank deposit and is not covered by any deposit protection scheme; (ii) a statement that Bitcoin Distributions are discretionary and non-guaranteed, and that past distributions do not guarantee future distributions; (iii) a statement that any Bitcoin Distribution is a separate, discretionary benefit and does not constitute interest on your Fiat Investment; and (iv) our standard FSP disclosure and crypto risk disclosure.

8. In addition to the general risks in Part A, clause 23, the ZAR8 Token carries risks specific to referenced-value tokens, including that: the Token's market value may deviate from its ZAR 1 reference value (de-pegging risk); redemption may be delayed in stressed market conditions; and Bitcoin Distributions depend on the performance of our own trading activity and may be zero in any given period. We are not responsible for losses arising from de-pegging or from the non-payment of a Bitcoin Distribution, save to the extent caused by our wilful misconduct or gross negligence.

A multi-user wallet for corporate and business clients.

0.1 This Schedule forms part of, and must be read together with, Part A (General Terms) of these Terms and Conditions. Capitalised terms used but not defined in this Schedule have the meaning given to them in Part A. In the event of a conflict between this Schedule and Part A in respect of the product it governs, this Schedule prevails to the extent of the inconsistency.

1. We intend to make available a Business Wallet enabling corporate and business clients to manage Crypto Asset and Fiat balances with multi-user access controls. This Schedule, and the Business Wallet, are not yet available and will be activated in a future version of these Terms once launched, together with entity-level KYC/FICA and authorised-signatory requirements specific to that product.