Terms & Conditions: XLM Earn Campaign

Date: 1st September 2025

Welcome to Wallet’s XLM Earn Campaign (the "Campaign"). By participating in the Campaign, you agree to be bound by these Terms. 

These Terms are an integral part of Wallet’s User Agreement. In the event of any inconsistency between these Terms and the User Agreement, the User Agreement shall prevail. However, where a specific provision under these Terms does not derogate from but rather supplements the general provisions, such specific provision shall prevail.

Campaign Key Dates and Terms

1. The Campaign Start Date is 1st September 2025 at 16:00 UTC.
2. The Campaign End Date is 30th October 2025 at 23:59 UTC. This duration may be subject to change at Wallet's sole discretion. For the most up-to-date information on the Campaign End Date, please refer to the FAQ section [FAQ in English, FAQ in Russian].

Eligibility

1. To participate in the Campaign, you must be a User of Wallet and verified at least at the “Basic” Identification Level. Depending on Wallet's internal policies, you may be required to verify at the "Extended" or "Advanced" level.
2. You are not eligible to participate if your account has been blocked, restricted, or otherwise limited by Wallet for any reason under the User Agreement or Wallet’s internal policies.
3. You may not be able to receive the Rewards if Wallet determines that you have violated the User Agreement between the moment you make the Rewards claim and the moment they are actually disbursed to your Wallet balance.
4. To participate in the Campaign, you must transfer the required minimum balance or more to your XLM Earn Account (“Earn Account”) on any day during the Campaign period, but no later than 24 hours prior to the Campaign End Date.
5. The Campaign may be unavailable in certain jurisdictions. Wallet reserves the right to modify its availability in specific jurisdictions at its sole discretion.

Balance Committed to the Campaign

1. To commit XLM to the Campaign, you must transfer a specified amount of XLM from your Wallet balance to a separate Earn Account within Wallet.
2. You may withdraw your XLM committed to the Earn Account in full at any time. However, withdrawing the full balance before the Campaign End Date will terminate your participation in the Campaign, and you will forfeit any Rewards accrued for the previous calendar day. You will remain eligible to claim any Rewards accrued prior to the date of full withdrawal.
3. Each User may commit between 25 (twenty five) and 2,500.00 (two thousand five hundred) XLM. You may top up your Earn Account at any time, provided that the total committed balance does not exceed this maximum limit. The minimum commitment amount is 25 (twenty five) XLM. Rewards will begin to accrue on your updated committed balance from 00:01 UTC on the following calendar day. Both the minimum and maximum commitment thresholds may be subject to change at Wallet’s sole discretion. For the most up-to-date information on Campaign requirements, please refer to the FAQ section [FAQ in English, FAQ in Russian].
4. You may initiate a withdrawal of your committed XLM, either in full or in part, from your Earn Account at any time. Withdrawing the full committed balance will terminate your participation in the Campaign.

Rewards

1. The Campaign Reward Pool is limited. Once it is exhausted, the Campaign will end. Wallet may revise the size of the Reward Pool at any time without notice.
2. Rewards accrue on a daily basis from the first time you commit a specified amount of XLM to the Earn account after the Campaign Start Date and will continue until the Campaign End Date, unless you withdraw your full balance earlier.
3. Wallet offers a tiered Annual Percentage Yield (APY) structure, rewarding you based on the duration of your commitment. The exact APY structure for this Campaign can be found in the FAQ section [FAQ in English, FAQ in Russian]. The APY structure is not fixed and may be amended by Wallet at its discretion.
4. All Rewards are paid in XLM. Rewards are credited automatically to your Earn account on a daily basis, allowing for the calculation of further Rewards based on compound interest. Accrued Rewards from previous periods increase your committed balance throughout your participation in the Campaign unless you partially or fully withdraw the Rewards credited to your Earn account.
5. Following the Campaign End Date, Wallet may, at its sole discretion, close your Rewards Balance and Earn Account and transfer the entire amount to your Wallet balance.
6. You acknowledge that past performance is not indicative of future Rewards, and Rewards may fluctuate or be discontinued at Wallet’s sole discretion.

Amendments

Wallet reserves the right to modify these Terms at any time. Any changes shall become effective immediately upon publication, and your continued participation in the Campaign shall constitute acceptance of the updated Terms.

Disclaimer

Wallet does not guarantee any profits or protection of committed balances or Rewards. Technical difficulties or other disruptions may interfere with or terminate the Campaign. Participation is at your own risk.