Versioniertes Archiv der Bedingungen & Änderungsprotokoll

Version 1.2 · Gültig ab 1. September 2026 · Zuletzt geprüft 3. November 2026

Wir bewahren jede frühere Version unserer Rechtsdokumente auf, damit Sie nachvollziehen können, was sich wann geändert hat.

1. Die zwei Daten auf jedem Dokument

Zuletzt überprüft ist das Datum, an dem das Dokument zuletzt inhaltlich auf Richtigkeit überprüft wurde — nicht das Datum, an dem die Seite veröffentlicht oder bearbeitet wurde. Gültig ab ist das Datum, an dem diese Version rechtlich für Sie anwendbar wurde. In der Praxis sind beide oft identisch, können aber voneinander abweichen: Eine Überprüfung, die keinen Änderungsbedarf ergibt, aktualisiert nur „Zuletzt überprüft”.

2. Funktionsweise der Versionen

Jedes Dokument trägt eine Versionsnummer und zwei Daten, die gemeinsam am Seitenanfang stehen. Die Versionsnummer identifiziert den Text; die Daten sagen, wann er geprüft wurde und ab wann er gilt. Eine wesentliche Änderung erhöht den ersten Teil der Versionsnummer (1.0 auf 2.0), eine redaktionelle Korrektur den zweiten (1.0 auf 1.1). Frühere Versionen werden mit den Daten ihrer Geltung und einer allgemein verständlichen Zusammenfassung der Änderungen archiviert und sind zusätzlich über ihren Commit in unserem Quell-Repository identifizierbar.

3. Wesentliche Änderungen und redaktionelle Korrekturen

Eine wesentliche Änderung — alles, was Inhalt, Rechte oder Pflichten betrifft — erhält ein neues „Gültig ab”-Datum und einen Eintrag im nachstehenden Änderungsprotokoll. Eine redaktionelle Korrektur — ein Tippfehler oder eine Formatierungskorrektur — aktualisiert nur „Zuletzt überprüft” und erzeugt kein neues Gültigkeitsdatum.

4. Änderungsprotokoll

Das nachstehende Änderungsprotokoll listet wesentliche Änderungen in umgekehrt chronologischer Reihenfolge nach Datum, Dokument und einer kurzen Zusammenfassung auf.

5. Wie wir Sie benachrichtigen

Wesentliche Änderungen der AGB und anderer Vertragsbedingungen werden Ihnen gemäß den AGB mitgeteilt. Geringfügige Korrekturen werden hier ohne gesonderte Mitteilung erfasst.

Datum	Dokument	Zusammenfassung
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 accessibility@cashxchain.com
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	English becomes the authoritative version
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	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	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
2026-08-03	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. Archivierte Versionen

Eine Version, die durch eine spätere ersetzt wurde, wird hier unverändert in der veröffentlichten Fassung aufbewahrt.

Dokument	Version	Galt bis	Ersetzt durch	Archivierter Text
Allgemeine Geschäftsbedingungen (AGB)	8.0	1. November 2026; für Bestandskunden bis zur Annahme bei der Anmeldung, längstens 30. November 2026	9.0, gültig ab 2. November 2026	Englisch · Deutsch
Regulatorischer Status & Partneroffenlegung	8.0	1. November 2026; für Bestandskunden bis zur Annahme bei der Anmeldung, längstens 30. November 2026	9.0, gültig ab 2. November 2026	Englisch · Deutsch