Terms & Conditions: Gold Earn Campaign

Last update: 9th October, 2025

Welcome to Wallet’s Gold 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.

1. Campaign Key Dates and Terms

1. The Campaign Start Date is 13th August, 2025 at 15:00 UTC.
2. The Campaign End Date is 31st December, 2025 at 23:59 UTC. Duration of the Campaign 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].
3. The term “Gold” refers solely to the Tether Gold (XAUt) token as used for the purposes of the Campaign. 

2. 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 of XAUt or more to your Gold 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.

3. Balance Committed to the Campaign

1. To commit XAUt to the Campaign, you must transfer a specified amount of XAUt from your Wallet balance to a separate Earn Account within Wallet.
2. Each User may commit between 0.0003 (three ten-thousandths) of XAUt and 3 (three) XAUt. You may top up your Earn Account at any time, provided that the total committed balance does not exceed these minimum and maximum limits. Wallet reserves the right to modify the minimum commitment and maximum commitment limit at any time, at its sole discretion.
3. 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 XAUt, either in full or in part, from your Earn Account at any time. The minimum amount for withdrawal is 0.000001 XAUt. If your balance is below this amount, you will not be able to withdraw it until it increases to meet or exceed the threshold. Withdrawing the full committed balance will terminate your participation in the Campaign.
5. Wallet may, from time to time and at its sole discretion, limit or suspend the option to commit additional  XAUt to the Campaign.

4. Rewards

1. The Campaign Reward Pool is set in XAUt and has a limited amount. Once the Reward Pool is exhausted, the Campaign will end. Wallet may revise the size of the Reward Pool at any time without notice.
2. Wallet offers a tiered Annual Percentage Yield (“APY”) structure consisting of: (i) Boosted rewards (“Boosted APY”), which apply to the portion of your committed balance up to and including 0.09 (nine hundredths) of XAUt; and (ii) Basic rewards (“Basic APY”) , which apply to the portion of your committed balance exceeding 0.09 XAUt and up to and including 3 XAUt (collectively, the “Rewards”). 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.
3. The Boosted APY is offered in addition to the Basic APY and provides extra Rewards to eligible Users who commit XAUt to the Campaign. It applies only to the eligible portion of the committed balance up to 0.09 XAUt, is available for 90 calendar days from initial commitment and thereafter any such balance will accrue Rewards solely at the applicable Basic APY. The structure of the Boosted APY for this Campaign is set out in the FAQ [FAQ in English | FAQ in Russian]. Wallet reserves the right, at its sole discretion, to modify or discontinue the Boosted APY at any time.
4. Rewards accrue on a daily basis in XAUt from the first time you commit a specified amount of XAUt to the Earn account after the Campaign Start Date. Accrual applies only to full calendar days and continues until the Campaign End Date, unless you withdraw your entire balance earlier.
5. All Rewards are paid in XAUt. 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.
6. 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.
7. You acknowledge that past performance is not indicative of future Rewards, and Rewards may fluctuate or be discontinued at Wallet’s sole discretion.

5. 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.

6. 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.