Terms of Service
Last updated: 15 October 2026
1. About these terms
These Terms govern your use of anka's website, apps, and business and merchant portals (the "Services"). The Services are operated by [to be updated] ("anka", "we", "us"). By creating an account or using the Services, you agree to these Terms and to our Privacy Policy.
2. What anka is
anka is a wallet and technology platform. Cards are issued by licensed card-issuing institutions, which hold wallet balances and card funds. Your use of a card is also governed by the card issuer's terms and the card network's rules. anka acts only on your own confirmation and does not itself provide banking, investment or other licensed financial services.
3. Eligibility
You must be at least 18 years old and legally able to enter into a binding contract. You may not use the Services if you are located in or a resident of a country or region where they are not offered or are prohibited, or if you are subject to sanctions. Card availability depends on your country and on the issuer's approval. Each person may hold one personal account.
4. Your account
You can sign in with an email or Google account, a mobile number, or a wallet, depending on what is offered in your region. Keep your sign-in methods, devices and security password safe: you are responsible for activity carried out with them. Tell us promptly if you suspect someone else has accessed your account. We may ask you to verify your identity again and may limit features until you do.
5. Identity verification and compliance
To open a card or use certain features, you must provide accurate and complete information and keep it up to date. We and our partners may verify it, ask for more documents, and decline, limit or reverse a service where the law requires it or to manage risk.
6. Digital assets, top-ups and cards
- Top-ups — send only the supported assets on the supported networks shown in the app. Blockchain transactions cannot be reversed, and assets sent to a wrong address or network may be lost.
- Digital assets — stablecoins and other digital assets are not legal tender, are not bank deposits, are not covered by deposit insurance, and their value or availability can change.
- Cards — spending limits and fees apply as described in section 7. A transaction may be declined by the issuer, the card network or the merchant.
- Rewards and payouts — rewards, referral commissions and business payouts follow the rules shown in the app at the time, and may be adjusted or reversed in cases of error, fraud or abuse.
7. Fees
Fees may apply to card issuance, card transactions, top-ups and other features. Fees that we set are published in the app, and we publish changes there before they apply. Some card fees are set by the card-issuing institution and are charged at its rates at the time; where the app can show such a fee before you confirm, it does.
8. Business and merchant features
If you use anka for a business, for example to pay staff or distribute gifts, you confirm that you are authorised to act for that business, that the people you add have agreed to be added, and that the funds you distribute come from lawful sources. Additional business terms may apply.
9. Acceptable use
You must not use the Services:
- for any unlawful purpose, including money laundering, terrorist financing, fraud or evading sanctions, or to receive the proceeds of crime;
- with false information or another person's identity;
- to abuse rewards or referral programs, including through fake or duplicate accounts; or
- to interfere with, scrape, reverse-engineer or attack the Services.
10. Suspension and closure
We may restrict, suspend or close your account if the law or a partner requires it, if we reasonably suspect fraud or a breach of these Terms, or to protect you or others. Where the law allows, we will tell you why. You may ask us to close your account by contacting us (section 16). Before it is closed, any remaining balance must be withdrawn or spent in the ways the app allows, and some records are kept as described in our Privacy Policy.
11. Third-party services
Some features rely on third parties such as card issuers, card networks, blockchain networks and sign-in providers. Their own terms may also apply, and we are not responsible for services we do not control.
12. Intellectual property
The Services, the anka name and logo, and related content belong to us or our licensors. You may use the Services only for their intended purpose.
13. Disclaimers and limitation of liability
The Services are provided "as is" and "as available". To the extent permitted by law, we disclaim implied warranties and are not liable for indirect, incidental or consequential losses, or for losses caused by events beyond our reasonable control, including failures of blockchain networks. Nothing in these Terms limits any liability that cannot be limited by law.
14. Changes to these Terms
We may update these Terms. We will post the new version on this page with a new date and, for material changes, notify you in the app before they take effect. If you keep using the Services after that, you accept the updated Terms.
15. Governing law and disputes
These Terms are governed by the laws of the place where the operator named in section 1 is incorporated, and disputes will be resolved by its competent courts, unless mandatory law where you live provides otherwise.
16. Contact
Operator: [to be updated]
Contact: [to be updated]
These Terms are available in English and Chinese. If the two versions differ, the English version prevails.
服务条款
最后更新：2026 年 10 月 15 日
1. 关于本条款
本条款适用于你使用 anka 的网站、App 以及企业与商户后台（下称「本服务」）。本服务由 【待更新】（下称「anka」「我们」）运营。你创建账户或使用本服务，即表示同意本条款和我们的隐私政策。
2. anka 是什么
anka 是钱包与技术平台。卡片由持牌发卡机构发行，钱包余额和卡内资金由发卡机构持有。你使用卡片还须遵守发卡机构的条款和卡组织的规则。anka 只按你本人的确认执行操作，自身不提供银行、投资或其他需持牌的金融服务。
3. 使用资格
你须年满 18 周岁，并具有订立有约束力合同的法律能力。如果你身处或居住在本服务未开放或被禁止的国家或地区，或受到制裁，则不得使用本服务。能否开卡取决于你所在的国家或地区以及发卡机构的审核。每人只可持有一个个人账户。
4. 你的账户
你可以用邮箱或谷歌账号、手机号或钱包登录，具体以你所在地区开放的方式为准。请妥善保管你的登录方式、设备和安全密码，通过它们进行的操作由你负责。如果怀疑账户被他人登录，请尽快告知我们。我们可能要求你再次验证身份，验证完成前可能限制部分功能。
5. 身份核验与合规
开卡或使用某些功能时，你须提供真实、完整的信息并保持更新。我们和合作方可能核验这些信息、要求补充材料，并在法律要求或风险管理需要时拒绝、限制或撤销相关服务。
6. 数字资产、充值与卡片
- 充值——只通过 App 显示支持的网络充入支持的资产。区块链交易无法撤回，转错地址或网络的资产可能无法找回。
- 数字资产——稳定币和其他数字资产不是法定货币，不是银行存款，不受存款保险保障，其价值或可用性可能变化。
- 卡片——消费限额和费用按第 7 条执行。交易可能被发卡机构、卡组织或商户拒绝。
- 奖励与发放——奖励、推荐返佣和企业发放按当时 App 显示的规则执行；出现差错、欺诈或滥用时可能被调整或撤回。
7. 费用
开卡、卡消费、充值等功能可能产生费用。由我们设定的费用在 App 内公布，调整会在生效前于 App 内公布。部分卡片费用由发卡机构设定，按其当时的费率收取；App 能在你确认前显示的，会在确认前显示。
8. 企业与商户功能
如果你以企业名义使用 anka（例如给员工发工资或发放红包），你确认你有权代表该企业，你添加的人员已同意被添加，且发放的资金来源合法。可能另有企业服务条款适用。
9. 使用规范
你不得将本服务用于：
- 任何违法目的，包括洗钱、恐怖融资、欺诈、规避制裁，或接收犯罪所得；
- 使用虚假信息或他人身份；
- 滥用奖励或推荐活动，包括通过虚假或重复账户；
- 干扰、抓取、逆向工程或攻击本服务。
10. 限制与关闭
在法律或合作方要求、我们有合理理由怀疑存在欺诈或违反本条款，或为保护你和他人时，我们可能限制、暂停或关闭你的账户。法律允许时，我们会告知原因。你可以按第 16 条的方式联系我们申请关闭账户；关闭前，剩余余额须按 App 支持的方式提取或用完，部分记录会按隐私政策的说明继续保存。
11. 第三方服务
部分功能依赖发卡机构、卡组织、区块链网络和登录服务商等第三方。它们自己的条款也可能适用；对于不在我们控制范围内的服务，我们不承担责任。
12. 知识产权
本服务、anka 名称与标识及相关内容归我们或我们的授权方所有。你只能按其用途使用本服务。
13. 免责与责任限制
本服务按「现状」和「现有」提供。在法律允许的范围内，我们不作任何默示保证，也不对间接、附带或后果性损失，或因超出我们合理控制范围的事件（包括区块链网络故障）造成的损失承担责任。本条款不限制依法不得限制的责任。
14. 条款变更
我们可能更新本条款。新版本会在本页发布并更新日期；重要变更会在生效前于 App 内通知你。此后你继续使用本服务，即表示接受更新后的条款。
15. 适用法律与争议解决
本条款适用第 1 条所列运营方注册地的法律，争议由该地有管辖权的法院解决；你所在地的强制性法律另有规定的除外。
16. 联系方式
运营方：【待更新】
联系方式：【待更新】
本条款提供英文和中文版本；两者不一致时，以英文版本为准。