BNKTO Token Disclosures

The BNKTO token is intended to function solely as a utility token within the Bankto ecosystem, including our decentralized finance (DeFi) protocols and our physical ATM network. BNKTO is designed to provide access to specified ecosystem features such as reduced ATM and protocol fees, transaction perks, tiered account benefits, optional staking to support liquidity, and limited on-chain governance input over certain ecosystem parameters.

BNKTO does not represent equity, ownership, or any claim on the assets, revenues, or profits of Bankto Group or any affiliated entity, and it does not entitle holders to dividends, distributions, interest, or other forms of profit sharing. Acquiring BNKTO should be understood as obtaining a digital tool to access and use features in the Bankto ecosystem, not as an investment in Bankto Group or its business.

BNKTO may be listed or made available for trading on centralized and decentralized exchanges in order to improve accessibility, liquidity, and broad adoption of our DeFi and ATM networks. Listing the token on exchanges is intended to encourage use of BNKTO in our ecosystem, not to create an expectation of profit, return, or appreciation in token price.

Exchange pricing is driven by independent market forces outside the control of Bankto Group, and there is no commitment by Bankto Group to support, stabilize, or increase the price of BNKTO. The fact that BNKTO is tradable does not change its intended character as a utility token, and purchasers should not acquire BNKTO with the expectation of profit based on the efforts of Bankto Group or any other party.

Any DAO or on-chain governance features associated with BNKTO are limited to defined technical or ecosystem parameters and do not confer corporate governance rights or control over Bankto Group as a legal entity.

Where reward or incentive mechanisms are available in connection with BNKTO (including staking incentives, liquidity rewards, or other protocol-level distributions), such mechanisms are algorithmic, non-contractual, and not guaranteed. Any rewards are generally dependent on protocol design and network usage and may be adjusted, reduced, or discontinued at any time.

Rewards are not interest, dividends, or profit shares and are not sourced from corporate profits of Bankto Group. Participation in staking, liquidity provision, or similar activities is entirely voluntary and may involve additional risks, including smart contract vulnerabilities and lock-up or unbonding periods that may limit the ability to access tokens during certain time frames.

The Bankto ecosystem, including its DeFi protocols and ATM network, may evolve over time and is subject to technical, commercial, and regulatory developments. Features, benefits, and functionalities available to BNKTO holders may be added, modified, suspended, or discontinued at the discretion of Bankto Group or other ecosystem participants.

There is no assurance that any particular feature, benefit, or utility will be available on a permanent basis. If the ecosystem does not develop as anticipated, is scaled back, or is restricted by law or regulation, the practical utility of BNKTO may be reduced or eliminated, and BNKTO may have little or no value.

Digital assets and blockchain-based systems involve significant technological risks. BNKTO is implemented using blockchain and smart contract infrastructure that may contain bugs, vulnerabilities, coding errors, or other defects. These could result in the loss, theft, or unauthorized transfer of BNKTO.

Network congestion, forks, attacks, outages, or other disruptions may delay, fail, or reverse transactions. Bankto Group does not control the underlying blockchain networks and cannot guarantee their security, stability, or continued operation.

Regulatory and legal frameworks for digital assets are evolving rapidly and differ by jurisdiction. BNKTO has been structured and is intended to function as a utility token, without equity-like or profit-sharing rights, and without an investment or securities purpose.

Nonetheless, regulators, courts, or other authorities in one or more jurisdictions could determine that BNKTO is subject to securities, commodities, money transmission, or other regulatory regimes. Any such determination, or any future change in applicable laws, regulations, guidance, enforcement priorities, or judicial interpretations, may adversely affect the offer, sale, transfer, or use of BNKTO and may require additional registrations, licenses, disclosures, or compliance measures.

These developments could limit or prohibit the availability of BNKTO in certain jurisdictions, impose costs on Bankto Group or ecosystem participants, or otherwise negatively affect the functionality or value of BNKTO.

Tax treatment of BNKTO and related activities (including acquisition, holding, use, staking, and disposition) is uncertain and can vary widely based on individual circumstances and jurisdiction. Holders are solely responsible for determining and complying with their own tax obligations, including any reporting and payment requirements associated with BNKTO transactions.

Bankto Group does not provide tax advice and makes no representation regarding the tax consequences of BNKTO.

Bankto Group and various ecosystem participants, including exchanges, custodians, and ATM operators, may be required to implement know-your-customer (KYC), anti-money-laundering (AML), sanctions, and other compliance procedures. These obligations may restrict or prevent certain persons or entities from acquiring, holding, or using BNKTO, particularly if they are located in, resident of, or associated with high-risk or restricted jurisdictions or sanctioned parties.

Bankto Group and its partners may, where legally required or reasonably necessary, deny, limit, or terminate access to certain services without obligation to compensate affected token holders.

Control over BNKTO normally depends on secure custody of private keys, seed phrases, or similar credentials. Loss, theft, compromise, or mismanagement of these credentials may result in irreversible loss of BNKTO. Users are solely responsible for implementing appropriate security measures for their wallets, devices, and backups.

Bankto Group does not have access to, and cannot restore, lost private keys or seed phrases.

Information about BNKTO provided on this website, in whitepapers, or in any other materials is for general informational purposes only and does not constitute legal, financial, investment, or tax advice. Prospective users and token holders should conduct their own independent due diligence and consult with professional advisers before acquiring or using BNKTO.

No communication from Bankto Group or its representatives should be interpreted as a recommendation to purchase, sell, or hold BNKTO, or as a representation that BNKTO is suitable for any particular user, use case, or jurisdiction.