Terms and conditions

ANOTHERAPP V2

Terms & Conditions — Consolidated

Effective Date: 17/09/2026   |   Version: V2.0.1

PART 1 — GENERAL TERMS AND CONDITIONS

These General Terms and Conditions (“General Terms”), together with Part 2 (Cards & Crypto Top-up — Unblock), Part 3 (IBAN — SquareFi), and Part 4 (IBAN/Stablecoin — Bridge), and any policies referenced herein, govern access to and use of the AnotherApp website, mobile application, and all related services (together, the “Platform”) operated by TIECO Fintech Solutions Ltd (“AnotherApp”, “we”, “us”, “our”).

By creating an account, accessing, or using the Platform, you (“User”, “you”) agree to be bound by these General Terms and by whichever of Parts 2–4 apply to the specific service(s) you use. Certain services on the Platform are provided not by AnotherApp itself but by independent, regulated third-party providers under their own licences (identified in Parts 2–4). AnotherApp is not a bank, payment institution, electronic money institution, or crypto-asset service provider, and does not itself hold, custody, or transmit your funds or crypto-assets except where expressly stated.

1. Definitions

2. Eligibility and Account Types

2.1 You must be at least 18 years old and have full legal capacity to use the Platform.

2.2 Personal Accounts are subject to individual KYC/AML verification. Business Accounts are subject to KYB verification, including identification of the entity, its directors, and its Ultimate Beneficial Owners, and may only be opened by a duly authorized representative of the entity.

2.3 Users may hold and switch between a Personal Account and a Business Account within the Platform, subject to completing the applicable verification for each.

2.4 Access to the Platform, or to specific services within it, may be restricted or unavailable in certain jurisdictions. Current jurisdictional availability by service is published at https://anotherapp.io/supported-countries.

3. Nature of the Platform

3.1 AnotherApp is a technology platform that provides a unified interface through which Users can access services provided by Third-Party Providers, and interact with self-custodial crypto wallets and public blockchains directly from their own device.

3.2 Depending on the feature used, funds or crypto-assets may be: (a) held by a Third-Party Provider under its own regulatory authorization (see Parts 2–4); or (b) held exclusively by the User in a Non-Custodial Wallet, with AnotherApp and its Third-Party Providers having no access to, or control over, the User’s private keys.

3.3 AnotherApp does not itself provide banking, payment, e-money, or crypto-asset services requiring licensing under applicable law. Where such services are provided through the Platform, they are provided by the relevant Third-Party Provider identified in Parts 2–4, under that provider’s own terms, which are incorporated by reference into, and form part of, your agreement when you use the corresponding feature.

4. Identity Verification (KYC/KYB) and AML

4.1 Access to the Platform and its services requires completion of identity verification. Depending on the service used, verification is performed by:

4.2 You agree to provide accurate, current, and complete information for verification purposes and to promptly update such information if it changes. Verification may include document checks, biometric or liveness checks, sanctions and PEP screening, and, for Business Accounts, beneficial ownership verification.

4.3 We and our Third-Party Providers may decline to onboard, may suspend, or may terminate access to the Platform or any service where required for AML/CFT, sanctions, or other legal or regulatory reasons.

5. Non-Custodial Crypto Wallets

5.1 The Platform allows Users to create or import Non-Custodial Wallets supporting Bitcoin, Ethereum, Base, BNB Chain, Polygon, Solana, MultiversX, and such other networks as may be added from time to time.

5.2 You are solely responsible for safeguarding your private keys, seed phrases, and wallet credentials. AnotherApp cannot recover lost keys, reverse blockchain transactions, or restore lost wallets. WalletConnect functionality, where offered, is limited to message-signing and does not grant AnotherApp or any Third-Party Provider control over your assets.

5.3 Blockchain transactions are irreversible. You acknowledge the risks inherent in self-custody, including loss of access, phishing, malware, and smart contract vulnerabilities, and that you bear these risks.

6. Crypto Swaps

6.1 Token-to-token and cross-chain swap functionality within the Platform is powered by the LI.FI protocol, operated by Li.Fi Service GmbH (“LI.FI”). You acknowledge and agree that:

6.2 Swap routes displayed in the Platform will identify “LI.FI” as the routing provider. LI.FI does not provide investment advice and does not review the suitability of any swap for you.

7. The $OTHER Token

7.1 Details of the $OTHER Token — including its classification, rights (or absence of rights) attaching to it, and the applicable risk disclosures — are set out in the separate Token Terms and the MiCA White Paper published at https://whitepaper.anotherapp.io/, which are incorporated by reference. Nothing in these General Terms shall be read as expanding the rights described in the Token Terms.

7.2 Ecosystem incentives (including any reward pool referenced on the Platform or in its marketing) are derived from predefined ecosystem incentive pools funded by platform usage, and are not linked to, and do not represent a share of, AnotherApp's, TIECO's, or any Third-Party Provider's profits, revenues, or financial performance.

8. Chat, Payment Links, Referrals, and Discoverability

8.1 In-App Chat

Chat is available only between Users who are both verified, on the Platform, not blocked by each other, and reachable under the applicable discoverability settings. Message content, including money requests, is stored on AnotherApp's backend and is retained, editable, and deletable only within the time windows displayed in the App. Money requests are settled by an ordinary peer-to-peer transfer between the parties’ Accounts; a declined or failed transfer causes the associated request to be dropped.

8.2 Payment Links

Payment links are denominated in EUR, for a fixed amount, single-use, and expire after the period shown at creation. The link owner may cancel or refund an unpaid link. Only verified Users of the Platform may pay a link.

8.3 Discoverability

Phone-number discoverability is enabled by default and may be switched off in Settings. Where you use the contact-matching feature, phone numbers you select from your device's contacts are uploaded to AnotherApp to identify other Users; this processing is described further in the Privacy Policy.

8.4 Referral Programme

EUR rewards are paid to the inviter and/or invitee once the invitee completes KYC (and, where applicable, a funded qualifying transaction), subject to the campaign terms displayed in the App, including any per-user caps. AnotherApp may claw back a referral reward where self-referral, use of a shared device, duplicate identity, or velocity-based fraud indicators are detected, or where the invitee's Account is later blocked or fails KYC.

9. Fees

Fees applicable to specific services are set out in Parts 2–4 and, where applicable, displayed in the App prior to a transaction (SEPA transfers, card issuance, ATM withdrawals, FX, and crypto withdrawal network fees). AnotherApp does not charge a fee on peer-to-peer transfers between Users.

10. Risk Disclosures

11. Liability

11.1 To the maximum extent permitted by law, AnotherApp's liability is limited to losses directly caused by AnotherApp's own gross negligence or willful misconduct in operating the Platform interface. AnotherApp is not liable for the acts, omissions, insolvency, or regulatory status of any Third-Party Provider, whose own liability regime is set out in the applicable Part.

11.2 Nothing in these General Terms excludes liability that cannot lawfully be excluded, including liability for fraud.

12. Complaints

Complaints relating to the Platform generally should be submitted to compliance@anotherapp.io.  Complaints specific to a Third-Party Provider's service (e.g. a card transaction, an IBAN transfer, or a swap) should be directed as described in the applicable Part, without prejudice to your right to also notify AnotherApp.

13. Modifications

We may update these General Terms and Parts 2–4 from time to time. Material changes affecting your rights or obligations will be notified with reasonable prior notice, save where an immediate change is required for legal, regulatory, or security reasons. Continued use of the Platform after the effective date of a change constitutes acceptance.

14. Governing Law and Jurisdiction

These General Terms are governed by the laws of the Republic of Cyprus, together with applicable European Union law, including MiCA where relevant. This is without prejudice to the governing law and jurisdiction clauses set out in Parts 2–4, which apply to disputes concerning the corresponding Third-Party Provider's service.

15. Contact

AnotherApp / TIECO Fintech Solutions Ltd

11 Zinonos Sozou, 3rd Floor, Office 303, 1075 Nicosia, Cyprus

Email: compliance@anotherapp.io

PART 2 — CARDS & CRYPTO TOP-UP TERMS (UNBLOCK)

Applies to: Virtual and physical card issuance, Apple Pay/Google Pay, ATM withdrawals, and crypto-to-fiat top-up. Read together with Part 1 (General Terms).

1. Provider

Card issuance and the crypto-to-fiat top-up service described in this Part are provided by Atomo Sàrl, a company incorporated in Switzerland (commercial register no. CHE-361.434.754), trading as “Unblock” (“Unblock”, “we”, “us”, in this Part). Unblock is a principal member of Mastercard in Switzerland (ICA 33150) and a Virtual Asset Service Provider registered under the Swiss Anti-Money Laundering Act (AMLA).

Unblock uses Verestro as its Program Manager and technical card processor. Regardless of the technical processing arrangement in place at any time, Unblock remains the issuer of your card and the provider of the payment services described in this Part, and remains responsible for regulatory compliance in relation to card issuance and operation.

2. Card Services

2.1 Subject to successful identity verification (performed by Ondato, UAB) and available balance, you may be issued a virtual and/or physical Mastercard-branded card linked to your AnotherApp Account, usable for point-of-sale purchases, e-commerce, ATM withdrawals, and Apple Pay / Google Pay, worldwide subject to jurisdictional restrictions.

2.2 Physical cards may be ordered in the material/design options offered in the App (e.g. plastic, metal, precious metals) at the fees shown at the time of order.

2.3 You are responsible for reviewing transactions, activating your card, setting your PIN, and reporting a lost, stolen, or compromised card without delay through the App.

3. Crypto-to-Fiat Top-up

3.1 Where you fund your card balance from a supported stablecoin or cryptocurrency, Unblock provisions you a segregated, non-pooled deposit wallet, monitors incoming deposits, and converts received assets to fiat currency at the prevailing exchange rate, less the applicable conversion fee, crediting the net proceeds to your card-linked balance.

3.2 Supported assets for this purpose currently include USDC, USDT, and EURC, and may be updated by Unblock from time to time with notice.

3.3 You acknowledge that crypto-to-fiat conversion rates fluctuate, that conversions are irreversible once executed, and that Unblock is not liable for market movements between the time you initiate a deposit and the time it is converted.

4. AML/CFT and Compliance

Unblock performs transaction monitoring, sanctions screening, fraud monitoring, and suspicious-activity investigation and reporting in relation to the card and crypto top-up services described in this Part. Identity verification for these services is performed separately by Ondato, UAB. Unblock may suspend or block a transaction, a card, or your access to these services where required by its AML/CFT obligations, Mastercard network rules, or Swiss regulatory requirements.

5. Fees

Fees for card issuance, monthly maintenance, POS/e-commerce transactions, ATM withdrawals, FX, and crypto conversion are displayed in the App prior to the relevant action and may be updated by Unblock from time to time with reasonable notice. Indicative fee categories include: card issuance fee, monthly card fee, POS/e-commerce transaction fees (intraregional/interregional), ATM withdrawal fees, currency exchange fee, and crypto-to-fiat conversion fee.

6. Liability

Unblock's liability in connection with the services described in this Part is governed by Unblock's own Terms of Use, available at unblock.ch/resources/#Terms and incorporated by reference. To the extent of any conflict between Unblock's Terms of Use and this Part specifically as it applies to the AnotherApp integration, this Part shall prevail.

7. Termination and Suspension

Unblock may suspend or terminate card or crypto top-up services where required by law, by its regulators, by Mastercard network rules, for suspected fraud or AML/CFT concerns, or where you fail to provide requested compliance information within the timeframe requested.

PART 3 — IBAN TERMS — SQUAREFI

Applies to: Personal EUR IBAN and SEPA transfers. Read together with Part 1 (General Terms).

1. Providers

The EUR IBAN and SEPA service described in this Part is accessed through the technology platform of SquareFi Inc., a Delaware corporation (“SquareFi”). SquareFi is not a bank, payment institution, or financial institution of any kind, and does not itself hold funds or provide financial services. The underlying banking and payment services — including holding of your funds — are provided by BUYEASY TECHNOLOGY CO., LTD, a corporation incorporated in Ontario, Canada, registered with FINTRAC as a money services business (registration no. M23877619) and with the Bank of Canada as a payment service provider under the Retail Payment Activities Act (“BUYEASY”).

Identity verification for this service is performed by SumSub on behalf of SquareFi/BUYEASY.

2. The Service

2.1 Subject to successful verification, you may be issued a personal EUR-denominated IBAN account enabling SEPA transfers in and out. Strong Customer Authentication (second factor plus PIN) is required for outbound bank transfers and for viewing account details.

2.2 Your funds held via this service are held by BUYEASY and/or the licensed custodians and partner institutions BUYEASY engages, and not by SquareFi or AnotherApp. Account balances are not deposits and are not insured or guaranteed by the FDIC, CDIC, or any equivalent scheme.

2.3 Availability of this service depends on your country of residence. Current availability is published at https://anotherapp.io/supported-countries ; certain jurisdictions may be unavailable or subject to enhanced due diligence.

3. Transfer Limits

3.1 There are no daily or monthly limits on Money In or Money Out, in either EUR or USD, under this service.

3.2 A per-transaction cap applies to USD ACH transfers only, currently set at USD 50,000. Wire, SWIFT, and SEPA transfers are not subject to a set maximum on BUYEASY's side.

3.3 For very large single transfers, in particular via SWIFT, you should notify us in advance so that BUYEASY can take steps to ensure the transfer clears without delay.

4. Fees

SEPA in/out is provided free of charge as displayed in the App at the date of this document; SquareFi/BUYEASY reserve the right to introduce or vary fees with prior notice as described in Part 1, Section 13.

5. Risk Disclosures

6. Liability

Liability in connection with the service described in this Part is governed by SquareFi's Terms and Conditions (available at legal.squarefi.co/v2/terms-and-conditions) and, in relation to the underlying banking/payment service, BUYEASY's own terms, both incorporated by reference. Disputes concerning the underlying banking/payment service are between you and BUYEASY; SquareFi and AnotherApp are not parties to, and bear no liability for, BUYEASY's acts or omissions save as required by applicable consumer protection law.

7. Termination and Suspension

This service may be suspended or terminated where required by SquareFi's, BUYEASY's, or their partners' compliance policies, by applicable law, or where you are, or become, resident in a jurisdiction where the service cannot be offered.

PART 4 — IBAN / STABLECOIN TERMS — BRIDGE

Applies to: Custodial stablecoin wallet, virtual IBAN, and EURC conversion. Read together with Part 1 (General Terms).

1. Provider

The custodial stablecoin wallet, virtual IBAN, and crypto-to-fiat liquidation service described in this Part are provided by Bridge Building S.A., a company incorporated in Luxembourg (RCS Luxembourg: B298785) (“Bridge”), under Bridge's own EEA User Terms, which you must separately accept in order to use this service. Bridge acts through Financial Partners for certain features, as described in Bridge's own terms.

2. The Service

2.1 Subject to completing Bridge's own hosted KYC process and accepting Bridge's Terms of Service, you will be provisioned a segregated, non-pooled custodial digital-asset wallet with a per-network deposit address and a virtual EUR IBAN.

2.2 EUR deposits made via SEPA to your Bridge-issued IBAN, and crypto deposits made to your Bridge wallet address, are handled according to the instruction you select in the App: EUR deposits may be forwarded to your card-linked balance, and supported stablecoin/crypto deposits (including EURC) may be automatically converted and forwarded in the same way, via Bridge's liquidation-address functionality.

2.3 Bridge holds the private keys to your custodial wallet on your behalf via its Custodial Infrastructure, and will use them only per your instructions submitted through the App, except where required by law or applicable governmental order (in which case Bridge may suspend access to, freeze, or seize wallet contents, as set out in Bridge's own terms).

2.4 Bridge's supported-countries classification for this service (Prohibited / High / Medium / Low risk, by rail) is published by Bridge and is reflected in the AnotherApp Supported Countries page.

2.5 You may withdraw EURC held in your Bridge custodial wallet to a Non-Custodial Wallet of your own. For any such withdrawal exceeding EUR 1,000, you will be required to provide Bridge with proof that the receiving wallet belongs to you, in line with the Travel Rule obligations applicable to crypto-asset transfers under EU law (Regulation (EU) 2023/1113, introduced alongside MiCA). Bridge may decline or delay a withdrawal above this threshold until such proof is provided and verified.

3. Transfer Limits

3.1 First-party EUR deposits and withdrawals (i.e. to or from an account in your own name) are unlimited in volume.

3.2 Third-party EUR deposits from individuals require Bridge's prior approval on a case-by-case basis (contact your account manager); third-party deposits from businesses, and all third-party withdrawals (to individuals or businesses), are unlimited in volume.

3.3 There is a minimum transfer amount of EUR 1. There is no set maximum per transfer; however, any transfer over EUR 1,000,000 is automatically routed via the SEPA Credit rail rather than SEPA Instant, which takes up to 1 business day to complete rather than settling in real time.

4. Risk Disclosures

5. Fees

Fees for this service (deposit, conversion, and network fees) are as published in your Bridge Account / Partner Account and displayed in the App prior to the relevant transaction.

6. Liability

Liability in connection with the service described in this Part is governed by Bridge's own EEA User Terms, incorporated by reference and available at https://bridge.xyz/legal/row-user-terms/bridge-building-limited . AnotherApp is not a party to, and bears no liability for, Bridge's acts or omissions, save as required by applicable consumer protection law. Disputes concerning this service should be raised directly with Bridge as described in Bridge's own terms, without prejudice to your right to also notify AnotherApp.

7. Termination and Suspension

Bridge may suspend, freeze, or terminate your access to this service where required by its AML/CFT Compliance Program, by a Financial Partner, by applicable law, or by governmental order, as further described in Bridge's own terms.