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Terms of Use

Terms of Use

LiquidityOne

Last updated: 06.07.2026

These Terms of Use (“Terms”) govern your access to and use of the LiquidityOne platform and Services. LiquidityOne operates as a crypto-asset service provider in accordance with applicable Swiss financial market legislation, including the Federal Act on Financial Services (FinSA / FIDLEG), the Federal Act on Financial Institutions (FinIA / FINIG), applicable guidelines and ordinances issued by the Swiss Financial Market Supervisory Authority (FINMA), and the Federal Act on the Adaptation of Federal Law to Developments in Distributed Ledger Technology (“DLT Act”). By accessing the platform, creating an account, submitting a transaction instruction, or otherwise using any part of our service environment (the “Services”), you confirm that you have read, understood, and agreed to be bound by these Terms in their entirety.

 

These Terms apply to all interactions between the Client and LiquidityOne, including account registration, transaction execution, compliance procedures, and use of any platform functionalities or service components. If you do not agree, you must immediately discontinue use of the Services.

 

LiquidityOne reserves the right to modify, restrict, or suspend the Services at any time in accordance with applicable Swiss law. These Terms supersede any prior agreements unless expressly replaced or amended in writing.

CHAPTER A -- Eligibility, Registration and Account Security

The market price of crypto-assets is frequently subject to significant fluctuations. Volatility may result from factors such as relatively limited market capitalizations compared to traditional financial markets, the possibility of abrupt regulatory developments, cyclical market trends, and correlations with the performance of conventional asset classes. You should not trade or invest in crypto-assets using funds that you are not prepared to lose.

 

Volatility in crypto-asset markets may be driven by a variety of factors, including:

 

  • Investor sentiment and speculative trading activity;

 

  • Global economic developments or geopolitical events;

 

  • Statements, regulatory actions, or policy changes introduced by governments or supervisory authorities, including FINMA and other Swiss or international regulators;

 

  • Changes in liquidity levels and overall market depth;

 

  • Technical disruptions or vulnerabilities impacting blockchain networks or infrastructure.

Article 2 -- Risk of Financial Loss

Eligibility Requirements

1. To access and use LiquidityOne’s Services, you must satisfy the following eligibility criteria:

 

  • You must be at least 18 years of age.

 

  • You must have full legal capacity and authority to enter into legally binding agreements.

 

  • You must not be located in, resident of, or otherwise connected to any jurisdiction identified as restricted under our Restricted Jurisdictions Policy.

 

  • You must not be designated on any applicable governmental or international sanctions list or watchlist.

Mandatory Identity Verification

2. All Clients must complete mandatory identity verification in compliance with the Swiss Federal Act on Combating Money Laundering and Terrorist Financing (AMLA / GwG) and the FINMA Anti-Money Laundering Ordinance (AMLO-FINMA). Each individual is permitted to maintain only one account on the platform.

Registration Obligations

3. To access the Services, you must register an account and provide information that is accurate, complete, and truthful.

4. In accordance with applicable Swiss financial market and AML/CFT requirements, you agree to:

 

  • Submit current and correct personal information verifiable through valid, government-issued identification documents;

 

  • Maintain only one account in your own name, unless LiquidityOne has expressly authorized otherwise in writing;

 

  • Update your personal data promptly whenever it changes or becomes inaccurate;

 

  • Confirm that all funds deposited or transacted are lawfully obtained and remain under your exclusive legal ownership and control.

5. LiquidityOne is required under Swiss law to properly identify clients, verify beneficial ownership, and maintain ongoing accuracy of client records. The completeness of information you provide directly determines our ability to fulfil these obligations.

6. Failure to provide accurate or updated information may result in restricted access, temporary suspension, or termination of your account.

7. You are responsible for ensuring that you continue to meet the eligibility requirements at all times. Any change in your circumstances affecting your eligibility must be promptly notified to LiquidityOne.

Account Security

8. You are solely responsible for maintaining the security and confidentiality of your account credentials. This includes:

 

  • Keeping your username, password, and all authentication codes, including 2FA tokens, strictly confidential;

 

  • Preventing unauthorized third parties from accessing or using your account;

 

  • Ensuring all devices and networks used to access the Services are adequately secured;

 

  • Promptly notifying LiquidityOne upon discovering any unauthorized access or security breach.

9. All activity conducted through your login credentials will be deemed authorized and performed by you, unless demonstrably otherwise.

10. LiquidityOne does not hold, manage, or have access to private cryptographic keys associated with any self-custodial or external wallet. You bear sole responsibility for the safekeeping of your private keys and seed phrases. Loss or compromise may result in the irreversible and permanent loss of digital assets.

CHAPTER B -- Description of Services

Services Provided

11. LiquidityOne provides crypto-asset services consisting primarily of the exchange of crypto-assets against fiat currency and fiat currency against crypto-assets, in accordance with applicable Swiss financial market regulations and FINMA guidelines.

12. These Services are limited to execution and exchange functionality. They do not constitute asset management, portfolio management, investment advisory services, deposit-taking, or custodial banking services within the meaning of applicable Swiss financial regulation.

13. LiquidityOne does not provide personalized investment advice or recommendations, does not guarantee the performance or future value of any crypto-asset, and does not assume responsibility for individual investment decisions made by Clients.

Client Responsibility

14. Any content made available through our platform, including charts, pricing data, market descriptions, or educational materials, is provided solely for informational purposes. Such content does not constitute financial, investment, tax, or legal advice, nor should it be interpreted as a recommendation or offer to buy or sell any crypto-asset.

15. Clients remain solely responsible for assessing the suitability of any transaction in light of their personal circumstances, financial situation, and risk tolerance.

Permitted Use of Services

16. You agree to use the Services solely for lawful purposes and in full compliance with applicable Swiss legislation, including the FinSA, AMLA (GwG), and applicable international regulatory standards. The Services must not be used for any illegal, fraudulent, abusive, or otherwise impermissible activity.

17. Without limitation, prohibited conduct includes:

 

  • Engaging in, facilitating, or attempting money laundering, terrorist financing, sanctions evasion, or any activity in breach of applicable AML/CFT regulations;

 

  • Financing, promoting, or transacting in illegal goods, unlawful services, or criminal enterprises;

 

  • Submitting false, forged, manipulated, or stolen identification documents or information;

 

  • Impersonating another individual or entity, or misrepresenting identity, authority, or beneficial ownership;

 

  • Disrupting, interfering with, or attempting to manipulate the proper functioning or security of the platform;

 

  • Introducing malicious software, viruses, or harmful code, or attempting unauthorized access or exploitation of system vulnerabilities.

18. Any breach of these provisions may result in immediate suspension or termination of your access to the Services.

CHAPTER C -- Transaction Execution

19. When you submit an instruction to purchase, sell, exchange, or convert crypto-assets, you authorize LiquidityOne to execute that transaction in accordance with the applicable terms, prevailing market conditions, and Swiss regulatory requirements.

20. Execution of any transaction is conditional upon, among other things:

 

  • Completion and ongoing satisfaction of applicable AML/KYC and client due diligence requirements under Swiss law;

 

  • Sufficient market liquidity and availability of counterparties or liquidity providers;

 

  • Operational availability and proper functioning of our systems and relevant blockchain networks;

 

  • Successful technical validation of your transaction instruction;

 

  • Confirmation of receipt and settlement of the corresponding payment, where applicable.

21. Transactions are processed on a best-efforts basis in the sequence in which valid and verified instructions are received.

22. Execution timing may vary depending on compliance reviews, technical conditions, and market factors. LiquidityOne does not guarantee immediate execution where regulatory, risk management, or operational considerations require additional review.

23. Crypto-asset transactions are processed to the wallet address you provide. You are solely responsible for ensuring its correctness; once a blockchain transaction is initiated, it cannot be reversed.

CHAPTER D -- Fees and Commissions

24. The total commission applied to a transaction may be influenced by the exchange rate in effect at the time of execution. Exchange rates are determined by prevailing market conditions and may include a spread margin ranging from 0.2% to 10%.

25. LiquidityOne reserves the right to incorporate service costs into the exchange rate offered to the Client.

26. By confirming a transaction, the Client accepts the exchange rate offered at that moment and acknowledges that this rate influences the overall commission charged.

27. Prior to placing a buy or sell order for crypto-assets, the Client may review the applicable commission rates and may decline the transaction if the fees are not acceptable.

28. LiquidityOne reserves the right to modify its fees, charges, costs, and commissions at any time. The Client is responsible for all applicable fees incurred in connection with their use of the Services.

CHAPTER E -- Cancellations and Refunds

29. The Client acknowledges and agrees that once an order has been executed, it is final and cannot be refunded. LiquidityOne shall not be liable for any consequences, losses, or market fluctuations resulting from the processing and completion of an executed order.

30. A request to cancel an order may only be considered if received prior to execution of the transaction. In the event of an approved cancellation, any refund amount will be calculated at the exchange rate applicable at the time the refund is processed.

CHAPTER F -- Payment and Settlement Procedures

Bank Transactions

31. All fiat transfers must be initiated from bank accounts held in your own name. Payments originating from or directed to third-party accounts are not permitted, unless expressly approved by LiquidityOne in exceptional circumstances.

32. LiquidityOne partners exclusively with regulated financial institutions for all fiat currency transactions.

 

33. We do not use unregulated, informal, or high-risk payment channels.

Use of Virtual IBANs (vIBANs)

34. A Virtual IBAN (vIBAN) is a technical routing feature provided by our partner financial institution, designed exclusively to facilitate the receipt of fiat currency in connection with a specific Client’s transaction.

 

35. The vIBAN does not constitute a traditional bank account and does not provide any banking services.

 

36. Any fiat funds credited to the vIBAN are automatically received by LiquidityOne. These funds are used solely to execute the corresponding crypto-asset purchase order placed by the Client.

 

37. The vIBAN is a dedicated mechanism to support the conversion of fiat currency into crypto-assets based on a Client’s explicit instruction.

Digital Asset Transactions

38. Transfers conducted via blockchain networks are irreversible once confirmed. Any errors resulting from incorrect wallet addresses, use of incompatible networks, loss of private keys, or misunderstanding of token standards remain solely the responsibility of the Client.

Travel Rule Obligations

39. In accordance with applicable Swiss anti-money laundering legislation, including the AMLA (GwG) and applicable FINMA travel rule guidance, LiquidityOne has established procedures to verify that Clients maintain effective control over external wallet addresses used for deposits to or withdrawals from their account.

 

40. Clients acknowledge and agree that transfers will only be executed to or from previously verified external wallet addresses (whitelisted wallet addresses). You are permitted only to use wallets and bank accounts held in your own name and under your effective control.

CHAPTER G -- AML/CFT Compliance and Client Due Diligence

LiquidityOne conducts its activities in compliance with applicable Swiss anti-money laundering and counter-terrorist financing legislation, including the Federal Act on Combating Money Laundering and Terrorist Financing (AMLA / GwG), the FINMA Anti-Money Laundering Ordinance (AMLO-FINMA), and relevant FINMA circulars and guidelines.

Identification and Verification Procedures

41. By creating an account and using our Services, you agree to undergo identification and verification procedures as required under applicable Swiss AML/CFT legislation. Such procedures may include:

 

  • Submission of valid government-issued identification documents;

 

  • Completion of video or live identity verification processes;

 

  • Provision of information regarding your economic background and financial profile;

 

  • Submission of documentation evidencing the source of funds and, where required, the source of wealth;

 

  • Declaration and verification of the beneficial owner.

 

42. LiquidityOne reserves the right to request additional documentation or clarification at any time.

 

43. Access to certain services may be limited, suspended, or refused until all required verification steps have been satisfactorily completed.

Ongoing Monitoring

44. LiquidityOne performs continuous monitoring of transactions and business relationships on a risk- based basis.

 

45. We reserve the right to delay, suspend, review, restrict, or decline any transaction where:

 

  • The activity is inconsistent with your declared profile, transaction history, or expected behavior;

 

  • Internal AML or compliance risk indicators are triggered;

 

  • Applicable legal or regulatory requirements necessitate enhanced review;

 

  • Unusual, complex, or atypical transaction patterns are identified.

 

46. Where required under applicable Swiss law, LiquidityOne may file reports with competent authorities, including FINMA and financial intelligence units, without prior notice to you.

Transaction Monitoring and Analytics

47. LiquidityOne continuously monitors all transactions processed through our platform to ensure asset security and fulfil our legal obligations.

 

48. Our monitoring processes are designed to identify activities that may require further review, including:

 

  • Transaction patterns or volumes that deviate from expected client behavior;

 

  • Interactions with blockchain addresses or services associated with elevated compliance risk;

 

  • Transfers that appear inconsistent with the information provided in the Client’s profile;

 

  • Activities that may suggest attempts to circumvent established security or verification controls.

 

49. To perform this analysis, LiquidityOne utilizes advanced blockchain analytics tools.

 

50. We reserve the right to temporarily delay a transaction, refuse to process it, or conduct a more in- depth review if our monitoring systems detect risk indicators.

Consequences of Non-Compliance

51. Failure to comply with compliance requirements may result in:

 

  • Temporary or permanent suspension of your account;

 

  • Cancellation or refusal of pending transactions;

 

  • Restriction or termination of access to certain or all Services;

 

  • Reporting to competent supervisory, regulatory, or law enforcement authorities in Switzerland.

CHAPTER H -- Limitation of Liability and Risk Acknowledgement

General Limitation of Liability

52. LiquidityOne shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the use of the Services. This includes, without limitation:

 

  • Loss of profits, revenue, or anticipated gains;

 

  • Unauthorized account access resulting from circumstances beyond our reasonable control;

 

  • Disruptions, congestion, or failures affecting blockchain networks;

 

  • Delays, interruptions, or failures attributable to external payment service providers;

 

  • Losses resulting from market volatility or price fluctuations of crypto-assets.

 

53. LiquidityOne’s liability is limited to damages directly caused by intentional misconduct or gross negligence on our part, in accordance with applicable Swiss law.

Acknowledgement of Risks

54. You expressly acknowledge and accept that:

 

  • The value of crypto-assets is highly volatile and may fluctuate significantly within short periods;

 

  • Technological systems may experience downtime, delays, or operational failures;

 

  • Blockchain transactions, once confirmed, are generally irreversible;

 

  • Market conditions may shift rapidly due to economic, technological, or regulatory developments;

 

  • Legal and regulatory frameworks governing crypto-assets continue to evolve, including in Switzerland.

 

55. By accessing and using the Services, you confirm that you understand and accept these risks and assume full responsibility for any financial or operational consequences.

CHAPTER I -- Account Suspension and Termination

56. LiquidityOne reserves the right to suspend, restrict, or terminate your account, with or without prior notice, where:

 

  • You violate or fail to comply with these Terms;

 

  • You do not complete, or refuse to cooperate with, required KYC/AML verification procedures;

 

  • Fraudulent, suspicious, or unlawful activity is detected or reasonably suspected;

 

  • We are required to do so by applicable Swiss law or instructed by FINMA or another competent authority;

 

  • You become located in, or establish residency in, a restricted or sanctioned jurisdiction.

 

57. In such circumstances, LiquidityOne may also restrict or delay withdrawals where necessary to comply with legal, regulatory, or compliance obligations.

 

58. You may request closure of your account at any time, provided that there are no pending investigations, unresolved transactions, outstanding liabilities, or ongoing compliance reviews.

 

59. Account closure remains subject to the completion of all applicable legal and regulatory requirements under Swiss law.

CHAPTER J -- Complaints

60. If a Client believes that LiquidityOne has breached any provision of this Agreement through an action or failure to act, resulting in a dispute, they may submit a complaint.

 

61. Complaints must be filed within five (5) business days of the issue arising and can be sent via email to support@liquidity-one.com or through the contact form available on our platform.

 

62. Upon receipt, LiquidityOne will acknowledge the complaint within three (3) business days and communicate its final decision to the Client within thirty-five (35) business days.

CHAPTER K -- Force Majeure and General Provisions

Force Majeure

63. LiquidityOne shall not be liable for any failure or delay in performing its obligations where such failure or delay results from circumstances beyond its reasonable control, including acts of God, natural disasters, fire, flood, power or network failures, pandemics, acts of state or public authorities, war, terrorism, cyberattacks of exceptional scale, or any other unforeseeable and unavoidable event recognized as force majeure under applicable Swiss law.

 

64. In the event of force majeure, LiquidityOne shall make reasonable efforts to resume performance as soon as practicable.

Governing Law and Jurisdiction

65. These Terms shall be governed by and construed in accordance with Swiss law, in particular the Swiss Code of Obligations (CO). Any dispute, claim, or controversy arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the competent courts of Switzerland, unless mandatory statutory provisions provide otherwise.

Amendments

66. LiquidityOne reserves the right to modify or update these Terms at any time. Any revised version shall take effect upon its publication on our website, unless stated otherwise. Your continued use of the Services following such publication constitutes your acceptance of the amended Terms.

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