x.me Earn Services Agreement

Last Updated: November 26, 2025

 

 

1.1 x.me Earn Services (“x.me Earn Services” or “the Services”) are provided to you (“you” or “the Client”) by the applicable x.me entity (“x.me” or “we”) pursuant to the x.me Terms of Service, which are incorporated herein by reference. The Services are offered as a value-added service to x.me users, allowing users to earn returns by depositing digital assets on the x.me platform under either fixed-term or flexible terms.

1.2 This x.me Earn Services Agreement (“Agreement” or “Terms”) governs your use of the Services and your relationship with x.me in connection with the Services. By using the Services, you acknowledge that you have read, understood, and agree to be bound by all terms of this Agreement.

1.3 In the event of any conflict or inconsistency between the terms of this Agreement and the x.me Terms of Service, this Agreement shall prevail. All other provisions of the x.me Terms of Service not modified herein shall remain in full force and effect.

 

 

 

2.1 The Services allow x.me users to deposit their digital assets on the x.me platform under either fixed-term or flexible terms to earn returns. The x.me platform supports subscription and redemption 24/7. Fixed-term products can be redeemed before maturity, in which case any distributed earnings will be deducted from the redemption principal. x.me Investment Services are non-principal-protected products, and users may lose all or part of their principal.

2.2 Definitions relevant to the Services include:

Risk Reserve: The x.me risk reserve is composed primarily of x.me-provided funds and surplus from liquidated orders, intended to protect users against losses during sudden or significant market fluctuations.

Principal: The amount of digital assets deposited by the user into the investment account to use the Services.

Earnings: Interest, returns, or other income that users may obtain by depositing digital assets into the investment products.

 

 

 

3.1 You agree that x.me may hold your digital assets during the term of the Services to fulfill its obligations under this Agreement.

3.2 You acknowledge and confirm that:

You have agreed to the x.me Terms of Service and are eligible and authorized to use the Services;

This Agreement is binding on you if you use the Services;

You possess the experience and risk tolerance necessary to use the Services and the knowledge required for trading non-principal-protected digital asset products;

You have the ability to operate via the internet;

The use of the Services and this Agreement do not conflict with the laws of your country or jurisdiction, and you agree to comply with such laws;

You are the legal and beneficial owner of all digital assets in your x.me account, and the source of your digital assets and fiat currency is lawful.

3.3 You further agree that:

You will not use the Services for prohibited activities, including but not limited to money laundering, terrorist financing, fraud, or any other illegal activity;

You will not use the Services for market manipulation, insider trading, price distortion, or any other malicious market misconduct.

3.4 You understand and accept that using the Services carries risks, including but not limited to:

Losses arising from inability to sell or convert assets immediately or potential loss upon conversion;

Historical earnings do not guarantee future returns. Any projected earnings displayed on the x.me platform are theoretical estimates; x.me makes no guarantee of returns. Actual earnings may differ from estimates, and x.me may deduct costs, fees, and expenses to determine the final distributable amount;

Digital asset price volatility may result in substantial or total loss in a short time;

Technical issues may prevent access to or use of digital assets;

Market risks may result in loss of digital assets;

x.me may update, delete, or change its terms or policies, including this Agreement, at its discretion, which may positively or negatively affect users.

 

 

 

4.1 Through the x.me platform, you may subscribe to and redeem investment products.

4.2 When subscribing, your digital assets are deposited into the Services. Once deposited, you cannot access, trade, sell, or otherwise use these assets.

4.3 Users may choose Flexible or Fixed-Term options when subscribing.

4.4 x.me Flexible Investment Terms

(a) Manual subscriptions require selecting: (i) digital asset type; (ii) amount; (iii) minimum expected yield (APR); or you may use the Auto-Invest function.

(b) Once subscribed, x.me attempts to match your assets with lending demand. In case of insufficient liquidity, x.me may temporarily use other funds to meet demand.

(c) Flexible subscriptions can be redeemed at any time. Redeemed orders will not accrue earnings for the hour of redemption.

(d) Auto-Invest automatically subscribes your available digital assets into Flexible Investments at the minimum market APR. To enable, you must activate the function on the x.me platform. Disabling Auto-Invest stops further automatic subscriptions, and any redemption must be done manually.

4.5 x.me Fixed-Term Investment

When subscribing, select: (i) digital asset type; (ii) amount; (iii) subscription term. APR is displayed on the platform.

Earnings start accruing T+1 and are distributed daily to your spot account.

4.6 After submitting a redemption request, assets may be returned immediately or after a period depending on token type and market conditions. No earnings are accrued during this period. Delays in redemption due to liquidity or market conditions are handled FIFO, but x.me may reorder redemptions. Partial redemption of fixed-term products is not allowed.

 

 

 

5.1 x.me may suspend, cancel, or terminate the Services or your use at any time, including:

Failure to provide required verification information;

Compliance with legal, regulatory, or governmental orders;

Reasonable determination that information provided is false, incomplete, or outdated.

 

 

 

6.1 x.me is not liable for losses arising from:

System failure, delay, or lack of liquidity;

Maintenance downtime;

Data transmission failures;

Force majeure (natural disasters, wars, government actions, pandemics, etc.);

Cyber attacks, technical faults, or regulatory closures;

Losses caused by third parties or changes in laws/regulations.

6.2 x.me reserves the right to refuse or cancel instructions at its discretion.

6.3 You agree that x.me is not liable for any losses arising from risks described herein or in the x.me Terms of Service.

 

 

 

7.1 x.me may suspend access for maintenance.

7.2 Information on the x.me platform is not guaranteed to be accurate, complete, or up-to-date.

7.3 You are responsible for network access and compatible devices.

7.4 You accept the risks of unauthorized access or data loss.

7.5 x.me may modify technical operations or features due to technology or regulatory changes.

 

 

 

x.me may control, restrict, suspend, or close accounts if users engage in unfair trading, market manipulation, or unlawful activities. x.me is not liable for losses arising from these measures.

 

 

9.1 You agree to protect x.me against any claims, losses, or liabilities arising from your use of the Services.

9.2 You agree to indemnify x.me and its affiliates, officers, employees, and agents from all related claims, damages, costs, and expenses, including legal fees.

 

 

 

10.1 This Agreement includes system specifications, guidelines, product documentation, or other documents issued by x.me.

10.2 x.me may unilaterally amend this Agreement or service terms at any time without prior notice.

10.3 Invalidity of any provision does not affect the remainder of this Agreement.

10.4 Delay or failure to exercise rights does not constitute a waiver.

10.5 Governing law: England & Wales.

10.6 Dispute Resolution

(a) Parties shall first attempt mediation via HKIAC.

(b) If unresolved within 90 days, disputes go to arbitration at HKIAC under its rules.

(c) Arbitration in Hong Kong, three arbitrators (one each designated by parties, third by HKIAC), proceedings in English.

(d) x.me is not required to provide general document disclosure, only relevant documents.

(e) Arbitration award is final and binding.

10.7 You may not transfer or assign this Agreement without prior written consent.

10.8 Section headings are for convenience only.