BoneX Loans is a financial service provided by INVICTUS SOFTWARE CORP - FZCO, a company registered under License Number 28522, with its principal office located at Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates. The company operates under the regulatory framework of the UAE and ensures compliance with all applicable laws and financial guidelines.

1. Introduction BoneX Loans offers a BTC Leasing Program, allowing clients to gain full exposure to Bitcoin with just a 30% down payment, financing the remaining balance over 12, 24, or 36 months. The leased BTC remains under custody until full repayment of the lease.

By entering this agreement, clients accept these Terms and Conditions, which define their rights, obligations, and the risk management framework associated with BTC Leasing.

2. BTC Leasing Structure 2.1. Clients finance 70% of the BTC value through BoneX Loans while placing a 30% initial deposit. 2.2. BTC remains in BoneX custody until the full lease amount is repaid. 2.3. Clients may select a repayment period of 12, 24, or 36 months with fixed installment payments.

3. BTC Price Appreciation – Profit Mechanism 3.1. If BTC price increases, the client benefits as follows:

The outstanding loan balance is repaid automatically using BTC gains.

Once the balance is cleared, ownership of BTC is transferred to the client.

Any surplus BTC value beyond the repaid balance is considered client profit. 3.2. If the BTC price doubles, the client receives the entire increase in value minus the financed amount.

4. BTC Price Drops & Liquidation Threshold 4.1. Liquidation risk is triggered only if BTC price declines by 25% from the initial lease price. 4.2. To maintain the lease, clients must add 50% of the price drop as additional collateral. 4.3. Example: If BTC drops from $100,000 to $75,000 (a $25,000 decrease), the client must deposit $12,500 to keep the lease active. 4.4. Failure to provide the required collateral may result in liquidation, and the client forfeits any deposited funds.

5. Early Repayment & Termination Policy 5.1. Clients may choose to repay their outstanding loan balance in full at any time before the maturity date. 5.2. Partial prepayments are also allowed, reducing the remaining principal and total interest payable. 5.3. Additional fees apply depending on the repayment period:

12-month term: Minimum 12 installment payments required.

24-month term: Minimum 15 installment payments required.

36-month term: Minimum 18 installment payments required. 5.4. If the BTC price drops by 25%, the borrower must add an additional 15% in USDC collateral. 5.5. Every collateral addition is deducted from the principal balance, reducing monthly installment amounts. 5.6. Clients must submit an official request via the BoneX Loans platform for early repayment. 5.7. A settlement statement outlining the remaining balance, applicable fees, and final payment amount will be provided. 5.8. Upon confirmation of payment, the loan will be marked as fully settled, and the purchased BTC will be transferred to the borrower.

6. Client Asset Custody 6.1. All client assets, including leased BTC, are securely stored in Fireblocks, a leading institutional-grade custody provider. 6.2. Fireblocks is used by major financial institutions such as Revolut and other global fintech firms, ensuring the highest level of security and protection. 6.3. Assets held within Fireblocks are protected through multi-layer security protocols, including multi-party computation (MPC) technology and insurance-backed custody solutions. 6.4. BoneX Loans ensures that client assets remain safeguarded throughout the leasing period, with no external access or risk of unauthorized withdrawals.

7. Anti-Money Laundering (AML) & Compliance 7.1. BoneX Loans strictly adheres to AML and Counter-Terrorist Financing (CTF) regulations, ensuring compliance with UAE and international financial laws. 7.2. All clients must undergo a Know Your Customer (KYC) process, including identity verification, proof of address, and source of funds declaration. 7.3. Enhanced Due Diligence (EDD) is required for high-risk individuals, including Politically Exposed Persons (PEPs) and customers from high-risk jurisdictions. 7.4. Transactions are actively monitored for suspicious activity, and any detected anomalies will be reported to UAE regulatory authorities and international enforcement agencies. 7.5. BoneX Loans prohibits any transactions involving individuals or entities listed on international sanction lists (OFAC, UN, EU, UAE, etc.). 7.6. Clients involved in fraud, money laundering, or illicit activities will have their accounts terminated, and BoneX Loans reserves the right to cooperate with authorities. 7.7. All transaction records, communications, and approvals will be maintained for a minimum of five (5) years for compliance and audit purposes.

8. Amendments & Legal Considerations 8.1. BoneX Loans reserves the right to amend these terms as necessary to comply with regulatory requirements and market conditions. 8.2. Any disputes arising from this agreement shall be resolved in accordance with applicable UAE financial laws.

By participating in the BTC Leasing Program, clients fully understand and accept these Terms & Conditions.

For further details or inquiries, please contact our support team.