Clear rules,
clear texts.

1. Return risk

Your result depends on the number of OTC trades the desk executes on each business day. Fewer trades mean a lower result; a day without trades gives no result, while taker fees are still charged at the close. Investors are credited only from trades the desk actually records, and a business day can only be closed when the desk profit recorded that day covers the investors’ share. Past results are neither an indication nor a commitment of future returns.

2. Liquidity and lock-up risk

Principal locked in a package cannot be withdrawn until the selected term of 1, 2 or 3 years has ended. Profit becomes withdrawable only once per quarter, and only for the quarter’s third month; the profit of months one and two is held until maturity. You cannot use these funds for urgent cash needs during the term.

3. Market and conversion risk

OTC trading depends on demand from buyers and on market conditions; demand may fall and the desk may execute fewer trades. BTC deposits are converted to USDT at the market price when credited, and the price at that moment may differ from the price when you sent them.

4. Stablecoin risk

The US dollar peg of USDT and USDC depends on the reserves and operations of their issuers. A loss of the peg, a freeze of funds by the issuer or regulatory intervention may result in a loss of value.

5. Technical and operational risk

Software defects, blockchain network congestion, cyberattacks or third-party service outages may cause transactions to be delayed or not executed.

6. Regulatory risk

Legislation governing crypto-asset services may change; such changes may affect the scope of the service, the countries in which it can be offered, or its terms.

1. Parties and scope

These terms govern the relationship between the natural and legal persons using the AURUM OTC platform (the “Platform”) (each a “User”) and Aurum Digital OÜ, a private limited company incorporated in Estonia under registry code 17390270, which operates the Platform (the “Company”). By using the Platform, you are deemed to have accepted these terms.

2. Account

• To open an account, you must be at least 18 years of age and complete the identity verification (KYC) process.
• You are responsible for keeping your account credentials confidential and must report any suspicious access immediately.
• Each person may open only one account.

3. Nature of the service

The Platform is a pooled stablecoin OTC desk. It pools the USDT/USDC that users lock in packages. During each trading session on business days the desk executes several OTC trades, selling USDT/USDC for fiat to buyers who need size. The desk earns a margin per trade and shares part of it with the pool. After each trade the desk opens a taker (reverse) position, which earns users nothing. Users are not parties to OTC trades and do not place orders. The Platform does not use AI or trading bots. The Platform does not provide investment advice.

4. Deposits and withdrawals

• Deposits are accepted in USDT (TRC20 or ERC20), USDC (ERC20) and BTC.
• BTC deposits are received through BlockBee and converted to USDT at the market price when credited.
• Withdrawals are paid only in USDT or USDC, once per quarter, and pass through an approval queue.

5. Packages, profit and the business-day calendar

• The minimum package is 10,000 USDT/USDC. Terms are 1 year, 2 years or 3 years.
• Longer terms add bonus trading volume: +10% in year 2, and +25% in year 3 for 3-year packages. The bonus only increases traded volume and is never withdrawable.
• Principal is locked until maturity and cannot be withdrawn early.
• Trading takes place on business days only; there is no trading and no result on non-business days or public holidays.
• For each OTC trade, the user earns their trading volume × their tier rate. The tier is set by the user’s total locked principal: 10K–50K 0.04%, 50K–100K 0.05%, 100K–250K 0.075%, 250K–500K 0.085%, 500K–1M 0.095%, 1M and above 0.11% per trade.
• A business day can only be closed when the desk profit recorded that day covers the investors’ share. Investors are credited only from trades the desk actually records.
• The daily result is credited to the package every business day. The monthly statement shows trade profit − taker fees − network deductions = net.
• At each quarter end (March, June, September, December), the profit of the quarter’s third month becomes withdrawable. The profit of months one and two is held and released together with the principal at maturity.

6. Fees

A taker fee of 0.15% of principal is charged at each business day’s close: once for principal from 10,000 up to 100,000, and twice for principal of 100,000 and above. Network commission for the user’s upline is deducted from the user’s monthly profit (see section 7). No other management fee is charged.

7. Network

• Users with an active package of at least 10,000 may invite others with a referral link or code.
• The inviter earns commission on the monthly profit, after taker fees, of their network, up to 10 levels deep.
• The level 1 rate depends on the inviter’s team volume (the total active principal of their whole network): 50K–100K 2%, 100K–250K 3%, 250K–500K 4%, 500K–1M 5%, 1M and above 7.5%. Below 50K, no commission is earned.
• Each deeper level earns half of the level above.
• Commission is deducted from the members’ profit at month end and paid to the inviter at quarter end. Each user can see what was deducted from them for their upline.

8. Prohibited use

Money laundering, terrorist financing, sanctions violations, market manipulation, operating an account on behalf of another person and misuse of the Platform’s technical infrastructure are prohibited. Where any such activity is detected, the account may be suspended and the competent authorities may be notified.

9. Limitation of liability

Results are not guaranteed. The Platform is not liable for losses arising from the user’s own error (such as selecting the wrong network or address, or sharing credentials).

10. Amendments

These terms may be updated; users will be notified of material changes before they take effect.

1. Data collected

• Identity and contact: full name, email address, and, during the KYC process, identity documents and liveness verification.
• Transaction data: deposit, withdrawal, package, profit, taker fee and network commission records, and wallet addresses.
• Network data: who invited you and whom you invited, as needed to calculate network commission.
• Technical data: IP address, device and session information (for security purposes).

2. Purposes of processing

Providing the service, fulfilling legal obligations (KYC/AML, tax, audit), preventing fraud and ensuring account security.

3. Sharing

Your data is shared only with service providers such as identity verification, payment processing (BlockBee for BTC deposits) and blockchain analytics providers under confidentiality agreements, and with competent authorities where required by law. It is not sold to third parties for marketing purposes.

4. Public trade log

The public trade log contains only the times of each session’s trades and taker positions. No amounts, names, email addresses, wallet addresses or balances are ever published.

5. Your network

Members of your upline can see your principal, your profit and the taker fees you paid, as needed to show the commission they earn from you. You can see the same details for the members of your own network.

6. Your rights

Under applicable data protection law (including Article 11 of Turkey’s KVKK where applicable), you have the right to access your data, to request its rectification or erasure, and to object to its processing. Statutory retention obligations remain unaffected.

1. Know your customer

Individual users are required to provide an identity document and complete liveness verification; corporate users are required to provide company documents and ultimate beneficial owner information. No packages can be locked and no withdrawals can be made until verification is complete.

2. Transaction monitoring

Deposit and withdrawal addresses are screened with blockchain analytics tools. Transactions linked to sanctioned addresses, mixers or addresses associated with illicit activity are rejected.

3. Suspicious transaction reporting

As required by law, suspicious transactions are reported to MASAK (Turkey’s Financial Crimes Investigation Board). The user concerned is not informed that a report has been made.

4. Record retention

Identity and transaction records are securely retained for the statutory retention periods.

AURUM uses only cookies that are strictly necessary for the service to function:

• sid — session cookie. Protected with HttpOnly and SameSite; it cannot be read by browser scripts. It is deleted when you sign out.
• Local storage — preferences that stay only in your browser, such as your OTC checklist ticks and your language choice.

No advertising, tracking or third-party analytics cookies are used.