This document sets out all legal notices, terms of use, personal data processing policies, digital asset custody framework, and personal loan conditions governing the activities of Crypto-Bond AG.
The cryptobond.ch website and the wallet.cryptobond.ch application are fully published and operated by Crypto-Bond AG, a Swiss public limited company registered with the Commercial Register of the Canton of Zug under number CH-170.3.042.722-8. Editorial responsibility and publication of content are under the direct control of Crypto-Bond AG's management.
The statement appearing on communication materials describing Crypto-Bond AG as a Swiss-regulated digital-asset platform refers to the company's strict compliance with the requirements of the Federal Act on Financial Market Supervision, the Swiss Code of Obligations (CO), and the legal framework governing anti-money laundering and counter-terrorist financing (AMLA).
| Area of Activity | Swiss Legal Qualification | Compliance & Oversight Framework |
|---|---|---|
| Crypto purchase / sale | Financial intermediation (AMLA Art. 2(3)) | Mandatory affiliation with a FINMA-approved Self-Regulatory Organisation (SRO). |
| Custody (custodial wallet) | Custody of digital assets without right of reuse | Strict segregation of private keys and individual blockchain addresses. No rehypothecation. |
| Personal loans (disbursed in crypto) | Extension of unsecured personal credit | Subject to the law of obligations. Standard creditworthiness assessment; no collateral involved. |
Access to the services offered on the wallet.cryptobond.ch subdomain is reserved for individuals with full legal capacity who are at least 18 years old, as well as legal entities duly registered with their competent commercial register. Crypto-Bond AG categorically refuses to open an account for any individual or legal entity residing, domiciled, or incorporated in a jurisdiction appearing on FATF blacklists or subject to international financial sanctions issued by the Swiss State Secretariat for Economic Affairs (SECO).
Each user is responsible for maintaining the absolute confidentiality of their login credentials, complex password, and two-factor authentication (2FA) keys. Any operation carried out from the wallet.cryptobond.ch/login personal area is deemed to have been carried out by the account holder. Crypto-Bond AG declines all liability in the event of unauthorised access resulting from user negligence or a phishing attack suffered by the user.
The full contractual framework governing use of the platform is set out in our Terms of Use.
Crypto-Bond AG offers a standard personal loan service denominated in Euros (EUR), granted on the basis of a standard creditworthiness assessment of the applicant (requested amount, duration and financial profile). No cryptocurrency holdings or collateral of any kind are required to apply. Once approved, the loan amount is credited to the borrower's Crypto-Bond client dashboard in cryptocurrency, which the borrower may convert into EUR liquidity at any time. The final loan agreement is formalised through a specific contract signed between the borrower and Crypto-Bond AG.
| Contractual Parameter | Applicable Value / Threshold | Legal Application Terms |
|---|---|---|
| Loan amount | EUR 5,000 to EUR 2,000,000 | Funds credited to the client dashboard in cryptocurrency once the offer is accepted. |
| Contract duration | 1 to 60 months | Repayment in full at maturity or monthly, per amortisation schedule. |
| Interest rate (APR) | From 5.9% per annum | Fixed for the entire contract term, excluding late-payment penalties. |
| Collateral requirement | None | The loan is granted on an unsecured basis, subject to standard creditworthiness assessment. |
| Payout currency | Client's choice among supported cryptocurrencies | Confirmed in the personalised offer prior to acceptance. |
| Conversion to liquidity | At any time, at the borrower's initiative | Executed from the client dashboard at prevailing market rates. |
As with any personal loan, repayment obligations (principal and interest) are set out in the loan agreement according to the agreed amortisation schedule. In the event of late or non-payment, Crypto-Bond AG may apply contractually defined late-payment penalties and, where necessary, pursue debt recovery through the ordinary channels provided for under the Swiss Federal Act on Debt Enforcement and Bankruptcy (DEBA), including referral to a debt collection agency. Because the loan is disbursed in cryptocurrency, the EUR-equivalent value of any unconverted balance may fluctuate with the market; this fluctuation does not affect the fixed EUR amount, currency, or repayment terms set out in the loan agreement.
Although receiving loan proceeds in cryptocurrency does not, in itself, constitute a taxable disposal that would trigger capital-gains taxation under certain legislations, Crypto-Bond AG does not provide any tax or legal advisory services. The user remains solely responsible for assessing the tax treatment of their transactions under the laws of their country of tax residence.
In accordance with the revised Swiss Federal Act on Data Protection (nFADP) and, where applicable, the EU GDPR, the controller responsible for processing personal data is Crypto-Bond AG. For any question relating to the exercise of your rights, the dedicated point of contact is admin@cryptobond.ch. Full details of this policy are set out in our Privacy Policy.
| Origin / Source | Data Collected | Purpose of Processing | Legal Basis |
|---|---|---|---|
| Contact form | Name, first name, email, phone, message | Handling information requests | Consent / legitimate interest |
| Loan request | Identity data, amount, duration, financial profile | Eligibility assessment and offer issuance | Pre-contractual measures |
| KYC / AML verification | Identity document, proof of address, source of funds | Legal compliance against money laundering (AMLA) | Swiss legal obligation |
| Wallet infrastructure | IP addresses, connection logs, blockchain wallet addresses | Access security and transaction monitoring | Contract performance / security |
Data relating to contact requests that do not lead to a business relationship is deleted within 12 months. Data collected in connection with the contractual relationship, opening a wallet, and granting a loan is retained for a minimum period of 10 years from the end of the business relationship, in accordance with Article 958f of the Swiss Code of Obligations and AMLA requirements.
The cryptobond.ch website makes limited use of tracking technologies to ensure navigation, form security, and the display of map and typography elements.
| Service Type | Provider / Ref. | Purpose | Data Transmitted |
|---|---|---|---|
| Technical / security | Crypto-Bond AG (session) | Session maintenance and CSRF protection | Anonymous session identifier |
| Web typography | Google Fonts (CDN) | Correct display of typefaces | Visitor's technical IP address |
| Interactive mapping | Google Maps (iframe) | Display of the registered office location in Zug | IP address, interaction data |
Users may configure their web browser to block or reject all of these third-party scripts, which does not affect access to the essential information on the public website.
Users of the Crypto-Bond AG platform expressly acknowledge being informed of the following risks:
All text, graphics, logos, software architecture elements, database structures, images, photographs and source code (including PHP scripts, JavaScript and layout files) appearing on cryptobond.ch and wallet.cryptobond.ch are the exclusive property of Crypto-Bond AG or are used under a duly granted right from their rights holders. Any reproduction, representation, adaptation, or exploitation, in whole or in part, without Crypto-Bond AG's prior written consent, is strictly prohibited and constitutes an infringement punishable under Swiss intellectual property law.
This legal notice, related legal policies and terms of use are governed, interpreted and enforced exclusively in accordance with Swiss substantive law, to the strict exclusion of conflict-of-law rules or the United Nations Convention on Contracts for the International Sale of Goods (CISG).