Versioned Terms Archive & Change Log
We keep every prior version of our legal documents so you can see what changed and when.
1. The two dates on every document
Last reviewed is the date the document was last substantively reviewed for accuracy — not the date the page was published or edited. Effective from is the date that version became legally applicable to you. In practice the two are often the same, but they can differ: a review that confirms no change is needed updates only “Last reviewed”.
2. How versions work
Every document carries a version number and two dates, shown together at the top of the page. The version number identifies the text; the dates say when it was reviewed and from when it applies. A material change increments the first part of the version number (1.0 to 2.0); an editorial fix increments the second (1.0 to 1.1). Previous versions are archived with the dates they applied and a plain-language summary of what changed, and each is also identified by its commit in our source repository.
3. Material changes and editorial fixes
A material change — anything altering substance, rights or obligations — gets a new “Effective from” date and an entry in the change log below. An editorial fix — a typo or formatting correction — updates only “Last reviewed” and does not create a new effective date.
4. Change log
The change log below lists material changes in reverse-chronological order, by date, document and a short summary.
5. How we notify you
Material changes to the Terms of Service and other contract terms are notified to you in accordance with the Terms of Service. Minor corrections are recorded here without separate notice.
| Date | Document | Summary |
|---|---|---|
| 2026-11-02 | regulatory-status | Banks behind the account details Sokin issues: AS LHV Pank (EUR), LHV Bank Limited (GBP), BMO Bank National Association (USD and SWIFT), Digital Commerce Bank (CAD), each with its register and supervisor; none is the customer's counterparty, and no deposit-guarantee claim is made |
| 2026-11-02 | regulatory-status | The payment mandate also covers Stablecoin balances a Partner holds for the customer as custodian, collected after other-currency balances and before the card, counted at par and transferred to our own wallet; no separate notice before each subscription renewal, the plan's price and renewal date shown in the platform are the advance information |
| 2026-11-02 | regulatory-status | Version 9.0 applies to every customer from 2 November 2026: it is accepted, with the payment mandate, on registration or on the next sign-in; an existing customer who does not sign in moves to it on 1 December 2026 (clause 26.9) |
| 2026-11-02 | regulatory-status | Version 9.0 applies immediately, from 2 November 2026, to new contracts; existing customers move to it on 1 December 2026, or earlier when they accept it in the platform, and nothing is collected from their balance before then (new clause 26.9) |
| 2026-11-02 | regulatory-status | Fees are collected from the customer's account balance first, under a limited and revocable payment mandate that lets us instruct Sokin to transfer amounts due to our own account; then from other currencies converted at our cost; the rest by card through Stripe. Subscription terms added: renewal, cancellation to period end, pro-rata upgrades, no refunds, billing currency by seat, section 19 UStG. Advance notice, failed and incorrect collections; Sokin executes the transfer and we never hold customer funds. Clause 14.4 cross-reference corrected. Version 9.0, effective 1 January 2027; version 8.0 archived |
| 2026-11-02 | terms-of-service | The payment mandate also covers Stablecoin balances a Partner holds for the customer as custodian, collected after other-currency balances and before the card, counted at par and transferred to our own wallet; no separate notice before each subscription renewal, the plan's price and renewal date shown in the platform are the advance information |
| 2026-11-02 | terms-of-service | Version 9.0 applies to every customer from 2 November 2026: it is accepted, with the payment mandate, on registration or on the next sign-in; an existing customer who does not sign in moves to it on 1 December 2026 (clause 26.9) |
| 2026-11-02 | terms-of-service | Version 9.0 applies immediately, from 2 November 2026, to new contracts; existing customers move to it on 1 December 2026, or earlier when they accept it in the platform, and nothing is collected from their balance before then (new clause 26.9) |
| 2026-11-02 | terms-of-service | Fees are collected from the customer's account balance first, under a limited and revocable payment mandate that lets us instruct Sokin to transfer amounts due to our own account; then from other currencies converted at our cost; the rest by card through Stripe. Subscription terms added: renewal, cancellation to period end, pro-rata upgrades, no refunds, billing currency by seat, section 19 UStG. Advance notice, failed and incorrect collections; Sokin executes the transfer and we never hold customer funds. Clause 14.4 cross-reference corrected. Version 9.0, effective 1 January 2027; version 8.0 archived |
| 2026-11-02 | privacy-policy | Business prospecting: which data we process about business contacts we approach, where it comes from, the legal basis, our legitimate interest, and how long we keep it and any request not to be contacted |
| 2026-11-02 | versioned-terms-archive | Version 9.0 applies to every customer from 2 November 2026: it is accepted, with the payment mandate, on registration or on the next sign-in; an existing customer who does not sign in moves to it on 1 December 2026 (clause 26.9) |
| 2026-11-02 | versioned-terms-archive | Version 9.0 applies immediately, from 2 November 2026, to new contracts; existing customers move to it on 1 December 2026, or earlier when they accept it in the platform, and nothing is collected from their balance before then (new clause 26.9) |
| 2026-10-19 | terms-of-service | Platform protected against competing use, benchmarking, scraping and unauthorised testing; anonymised and aggregated data is ours; feedback, review and testimonial requests; electronic invoices; case-study notice is a courtesy, not a duty |
| 2026-10-19 | terms-of-service | Platform licence covers the documentation, users and contractors acting for the customer, and excludes resale; case studies need no prior approval, the customer is told when one is published |
| 2026-10-19 | terms-of-service | Customer references extended: name, logo and trade marks may be used publicly and in sales, partner and investor materials, and case studies may be published after the customer has seen the draft; the customer can object at any time |
| 2026-10-19 | privacy-policy | Platform protected against competing use, benchmarking, scraping and unauthorised testing; anonymised and aggregated data is ours; feedback, review and testimonial requests; electronic invoices; case-study notice is a courtesy, not a duty |
| 2026-10-19 | privacy-policy | Customer references extended: name, logo and trade marks may be used publicly and in sales, partner and investor materials, and case studies may be published after the customer has seen the draft; the customer can object at any time |
| 2026-10-12 | regulatory-status | The documents now describe what our websites and the auth portal actually store and send: the new signed-in cookie, every auth cookie with its real lifetime (90-day session), cf_clearance on every visit, the Google map and booking embeds that load without a click, the website assistant on Cloudflare Workers AI, the contact form, newsletter open and click measurement, and Resend's full role |
| 2026-10-12 | cookie-policy | The documents now describe what our websites and the auth portal actually store and send: the new signed-in cookie, every auth cookie with its real lifetime (90-day session), cf_clearance on every visit, the Google map and booking embeds that load without a click, the website assistant on Cloudflare Workers AI, the contact form, newsletter open and click measurement, and Resend's full role |
| 2026-10-12 | privacy-policy | The documents now describe what our websites and the auth portal actually store and send: the new signed-in cookie, every auth cookie with its real lifetime (90-day session), cf_clearance on every visit, the Google map and booking embeds that load without a click, the website assistant on Cloudflare Workers AI, the contact form, newsletter open and click measurement, and Resend's full role |
| 2026-10-12 | sub-processor-list | The documents now describe what our websites and the auth portal actually store and send: the new signed-in cookie, every auth cookie with its real lifetime (90-day session), cf_clearance on every visit, the Google map and booking embeds that load without a click, the website assistant on Cloudflare Workers AI, the contact form, newsletter open and click measurement, and Resend's full role |
| 2026-10-08 | ip-copyright | Register links for every right, published documents and certificates for the utility models, trade mark published; patent priority is domestic priority under § 40 PatG |
| 2026-10-08 | environmental-disclosure | Sources re-checked and dated; Polygon figures cited to the CCRI report, Bitcoin to Cambridge's revised 2022 estimate |
| 2026-10-07 | ip-copyright | Regulatory status restated: CashXChain Inc. is registered with FinCEN as a Money Services Business and subject to the Bank Secrecy Act; CashXChain UG operates the platform and contracts with customers |
| 2026-10-07 | legal-notice | Regulatory status restated: CashXChain Inc. is registered with FinCEN as a Money Services Business and subject to the Bank Secrecy Act; CashXChain UG operates the platform and contracts with customers |
| 2026-10-07 | licenses-registrations | Regulatory status restated: CashXChain Inc. is registered with FinCEN as a Money Services Business and subject to the Bank Secrecy Act; CashXChain UG operates the platform and contracts with customers |
| 2026-10-07 | regulatory-status | Regulatory status restated: CashXChain Inc. is registered with FinCEN as a Money Services Business and subject to the Bank Secrecy Act; CashXChain UG operates the platform and contracts with customers |
| 2026-10-07 | compliance | Regulatory status restated: CashXChain Inc. is registered with FinCEN as a Money Services Business and subject to the Bank Secrecy Act; CashXChain UG operates the platform and contracts with customers |
| 2026-10-01 | accessibility-statement | accurate, source-naming disclosure of our role, Partners and issuer; no self-commentary |
| 2026-10-01 | ip-copyright | accurate, source-naming disclosure of our role, Partners and issuer; no self-commentary |
| 2026-10-01 | legal-notice | CashXChain UG moves to Eduard-Rüber-Straße 7, Office 1.1.16, 83022 Rosenheim |
| 2026-10-01 | regulatory-status | accurate, source-naming disclosure of our role, Partners and issuer; no self-commentary |
| 2026-10-01 | aml-statement | compliance wording aligned with our role and our Partners' regimes; correct stablecoin issuer |
| 2026-10-01 | compliance | CashXChain UG moves to Eduard-Rüber-Straße 7, Office 1.1.16, 83022 Rosenheim |
| 2026-10-01 | compliance | compliance wording aligned with our role and our Partners' regimes; correct stablecoin issuer |
| 2026-10-01 | crypto-asset-risk-warnings | compliance wording aligned with our role and our Partners' regimes; correct stablecoin issuer |
| 2026-10-01 | incident-notification-policy | compliance wording aligned with our role and our Partners' regimes; correct stablecoin issuer |
| 2026-10-01 | kyc-kyb-notice | compliance wording aligned with our role and our Partners' regimes; correct stablecoin issuer |
| 2026-10-01 | sanctions-statement | compliance wording aligned with our role and our Partners' regimes; correct stablecoin issuer |
| 2026-10-01 | travel-rule-notice | compliance wording aligned with our role and our Partners' regimes; correct stablecoin issuer |
| 2026-10-01 | contacts | CashXChain UG moves to Eduard-Rüber-Straße 7, Office 1.1.16, 83022 Rosenheim |
| 2026-10-01 | cookie-policy | CashXChain UG moves to Eduard-Rüber-Straße 7, Office 1.1.16, 83022 Rosenheim |
| 2026-10-01 | cookie-policy | legal bases and controller statements corrected; internal drafting notes removed |
| 2026-10-01 | privacy-policy | CashXChain UG moves to Eduard-Rüber-Straße 7, Office 1.1.16, 83022 Rosenheim |
| 2026-10-01 | privacy-policy | legal bases and controller statements corrected; internal drafting notes removed |
| 2026-10-01 | recruitment-privacy-notice | CashXChain UG moves to Eduard-Rüber-Straße 7, Office 1.1.16, 83022 Rosenheim |
| 2026-10-01 | recruitment-privacy-notice | legal bases and controller statements corrected; internal drafting notes removed |
| 2026-10-01 | sub-processor-list | legal bases and controller statements corrected; internal drafting notes removed |
| 2026-10-01 | index | accurate, source-naming disclosure of our role, Partners and issuer; no self-commentary |
| 2026-09-30 | regulatory-status | Sokin checked against FINTRAC's MSB Registry: registered under N300000117; group table follows sokin.com/legal/regulation |
| 2026-09-27 | legal-notice | state CashXChain Inc.'s FinCEN MSB registration in the Legal Notice, AML Statement, Contacts and overview |
| 2026-09-27 | legal-notice | FinCEN MSB registration is publicly listed; registration record published |
| 2026-09-27 | licenses-registrations | FinCEN MSB registration is publicly listed; registration record published |
| 2026-09-27 | regulatory-status | Stablegate contracts through STGG AG only; BitGo and Bridge added under evaluation with their public register record |
| 2026-09-27 | regulatory-status | FinCEN MSB registration is publicly listed; registration record published |
| 2026-09-27 | aml-statement | state CashXChain Inc.'s FinCEN MSB registration in the Legal Notice, AML Statement, Contacts and overview |
| 2026-09-27 | aml-statement | FinCEN MSB registration is publicly listed; registration record published |
| 2026-09-27 | compliance | rebuilt as the master compliance hub: entities and FinCEN registration, how the service works, Partners, AML, KYC/KYB, sanctions |
| 2026-09-27 | contacts | state CashXChain Inc.'s FinCEN MSB registration in the Legal Notice, AML Statement, Contacts and overview |
| 2026-09-27 | terms-of-service | clause 11: Stablecoin settlement only where an Order is routed that way, held in transit only, funds stay with Partners |
| 2026-09-27 | index | state CashXChain Inc.'s FinCEN MSB registration in the Legal Notice, AML Statement, Contacts and overview |
| 2026-09-24 | legal-notice | add CashXChain Inc.'s FinCEN MSB registration |
| 2026-09-24 | licenses-registrations | add CashXChain Inc.'s FinCEN MSB registration |
| 2026-09-24 | regulatory-status | add CashXChain Inc.'s FinCEN MSB registration |
| 2026-09-24 | aml-statement | add CashXChain Inc.'s FinCEN MSB registration |
| 2026-09-24 | compliance | add CashXChain Inc.'s FinCEN MSB registration |
| 2026-09-23 | privacy-policy | add soft opt-in newsletter basis for existing customers |
| 2026-08-27 | regulatory-status | rebuild the page around who does what |
| 2026-08-26 | contracting-entity | add Sokin as a Partner |
| 2026-08-26 | ip-copyright | rename to IP & Copyright and rewrite |
| 2026-08-26 | regulatory-status | add Sokin as a Partner |
| 2026-08-26 | terms-of-service | add Sokin as a Partner |
| 2026-08-26 | privacy-policy | add Sokin as a Partner |
| 2026-08-26 | sub-processor-list | add Sokin as a Partner |
| 2026-08-25 | accessibility-statement | add Accessibility Statement |
| 2026-08-25 | contacts | add [email protected] |
| 2026-08-19 | order-of-precedence | provider documentation and Coinbase |
| 2026-08-19 | regulatory-status | per-Partner disclosure, Coinbase removed |
| 2026-08-19 | compliance | provider documentation and Coinbase |
| 2026-08-19 | compliance | new clause 6, Partner relationships |
| 2026-08-19 | incident-notification-policy | provider documentation and Coinbase |
| 2026-08-19 | kyc-kyb-notice | provider documentation and Coinbase |
| 2026-08-19 | prohibited-restricted-businesses | provider documentation and Coinbase |
| 2026-08-19 | prohibited-restricted-businesses | new clause 6, Partner relationships |
| 2026-08-19 | terms-of-service | provider documentation and Coinbase |
| 2026-08-19 | terms-of-service | new clause 6, Partner relationships |
| 2026-08-19 | privacy-policy | provider documentation and Coinbase |
| 2026-08-19 | sub-processor-list | provider documentation and Coinbase |
| 2026-08-17 | contracting-entity | forum fallback, corrected reduction clause, narrowed Partner exclusion, causation in the indemnity |
| 2026-08-17 | terms-of-service | forum fallback, corrected reduction clause, narrowed Partner exclusion, causation in the indemnity |
| 2026-08-16 | legal-notice | drop the committed notice period, restructure the Legal Notice |
| 2026-08-16 | terms-of-service | compliance with Partner terms and no circumvention |
| 2026-08-16 | terms-of-service | drop the committed notice period, restructure the Legal Notice |
| 2026-08-16 | sub-processor-list | drop the committed notice period, restructure the Legal Notice |
| 2026-08-16 | sub-processor-list | add Proton AG to internal operations |
| 2026-08-16 | sub-processor-list | tables for Article 28 sub-processors only |
| 2026-08-16 | sub-processor-list | drop the committed notice period, restructure the Legal Notice |
| 2026-08-16 | sub-processor-list | add Proton AG to internal operations |
| 2026-08-16 | sub-processor-list | tables for Article 28 sub-processors only |
| 2026-08-16 | index | drop the committed notice period, restructure the Legal Notice |
| 2026-08-16 | index | drop the committed notice period, restructure the Legal Notice |
| 2026-08-15 | contracting-entity | English becomes the authoritative version |
| 2026-08-15 | contracting-entity | switch from German to Swiss law |
| 2026-08-15 | contracting-entity | English becomes the authoritative version |
| 2026-08-15 | contracting-entity | switch from German to Swiss law |
| 2026-08-15 | order-of-precedence | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | order-of-precedence | English becomes the authoritative version |
| 2026-08-15 | order-of-precedence | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | order-of-precedence | English becomes the authoritative version |
| 2026-08-15 | regulatory-status | correct the Circle facts and give restricted countries two layers |
| 2026-08-15 | regulatory-status | correct the Circle facts and give restricted countries two layers |
| 2026-08-15 | acceptable-use-policy | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | acceptable-use-policy | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | prohibited-restricted-businesses | correct the Circle facts and give restricted countries two layers |
| 2026-08-15 | prohibited-restricted-businesses | correct the Circle facts and give restricted countries two layers |
| 2026-08-15 | terms-of-service | correct the liability clause |
| 2026-08-15 | terms-of-service | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | terms-of-service | correct the liability clause |
| 2026-08-15 | terms-of-service | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | website-platform-terms | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | website-platform-terms | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | cookie-policy | switch from German to Swiss law |
| 2026-08-15 | cookie-policy | switch from German to Swiss law |
| 2026-08-15 | data-processing-addendum | switch from German to Swiss law |
| 2026-08-15 | data-processing-addendum | switch from German to Swiss law |
| 2026-08-15 | privacy-policy | independent-controller master and a separate recruitment notice |
| 2026-08-15 | privacy-policy | independent-controller master and a separate recruitment notice |
| 2026-08-15 | recruitment-privacy-notice | independent-controller master and a separate recruitment notice |
| 2026-08-15 | recruitment-privacy-notice | independent-controller master and a separate recruitment notice |
| 2026-08-15 | api-partner-terms | switch from German to Swiss law |
| 2026-08-15 | api-partner-terms | switch from German to Swiss law |
| 2026-08-15 | index | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | index | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | versioned-terms-archive | rewrite the AGB as the Terms of Service master |
| 2026-08-15 | versioned-terms-archive | rewrite the AGB as the Terms of Service master |
| 2026-08-03 | contracting-entity | state the current and planned structure |
| 2026-08-03 | ip-copyright | EUIPO trade mark and full DPMA portfolio |
| 2026-08-03 | legal-notice | state the current and planned structure |
| 2026-08-03 | regulatory-status | state the current and planned structure |
| 2026-08-03 | acceptable-use-policy | EUIPO trade mark and full DPMA portfolio |
| 2026-08-03 | terms-of-service | align governing law, translation notices, archive build |
| 2026-08-03 | terms-of-service | state the current and planned structure |
| 2026-08-03 | terms-of-service | EUIPO trade mark and full DPMA portfolio |
| 2026-08-03 | website-platform-terms | EUIPO trade mark and full DPMA portfolio |
| 2026-08-03 | api-partner-terms | align governing law, translation notices, archive build |
| 2026-08-03 | api-partner-terms | EUIPO trade mark and full DPMA portfolio |
6. Archived versions
A version replaced by a later one is kept here unchanged, as published.
| Document | Version | Applied until | Replaced by | Archived text |
|---|---|---|---|---|
| Terms of Service | 8.0 | 1 November 2026; for an existing customer until acceptance on sign-in, 30 November 2026 at the latest | 9.0, effective 2 November 2026 | English · German |
| Regulatory Status & Partner Disclosure | 8.0 | 1 November 2026; for an existing customer until acceptance on sign-in, 30 November 2026 at the latest | 9.0, effective 2 November 2026 | English · German |