1.1 These Coinstash Rewards and Coinstash Membership Terms and Conditions ("Terms") govern your participation in and use of the Coinstash Rewards and Coinstash Membership programs.

1.2 These Terms are to be read in conjunction with, and incorporate by reference, the Coinstash User Agreement ("User Agreement"). To the extent permitted by law, the User Agreement applies to Coinstash Rewards and Coinstash Membership as if set out in full in these Terms. If there is any inconsistency between these Terms and the User Agreement, the User Agreement will prevail to the extent of that inconsistency.

2.1 Coinstash Rewards is a customer loyalty scheme (“Scheme”, or “Coinstash Rewards”) that awards you with Coinstash loyalty points, Stash Points (“STASH”), if you perform activities on the Coinstash platform by trading and maintaining balances of certain digital assets and participating in eligible promotions. Users can redeem STASH for rewards made available by Coinstash from time to time.

2.2 You are automatically enrolled in the Scheme upon creating an Eligible Account. You agree to participate in the Scheme by creating an Eligible Account.

2.3 An Eligible Account is an Account that is an:

2.4 For the avoidance of doubt, Self-Managed Super Fund (“SMSF”) Accounts cannot enrol in the Scheme.

2.5 The Scheme allows you to earn STASH only in relation to:

2.6 You can earn STASH from performing eligible transactions (i.e. buy, sell or swap) on the Platform.

2.7 The amount of STASH that is awarded from eligible transactions depends on your Account’s membership tier in Coinstash Membership and the transaction volume of digital assets traded in your Account.

2.8 Before you confirm a transaction (i.e. buy, sell or swap), you will be shown the amount of STASH that you will earn from completing the transaction. STASH will be credited to your Account’s points balance immediately upon completion of the trade.

2.9 Accruing STASH: You can earn and accrue STASH on a weekly basis by way of maintaining balances of eligible digital assets in your Account. The amount of STASH that is accrued weekly is an estimated amount based on a formula to be determined by Coinstash from time to time.

2.10 For the avoidance of doubt, STASH cannot be accrued or earned on fiat balances in your Account.

2.11 Your accrued STASH balance is displayed as “Pending” until such time it is credited to your points balance.

2.12 Adding balances: When you deposit eligible digital assets to your Account, STASH will begin to accrue at the Accrual Time after a 24 hour pause. STASH that is accrued and allocated this way will be credited to your points balance weekly on Tuesday at approximately 00:15 UTC time.

2.13 Reducing balances: If you reduce the balance of your eligible digital assets held in your Account by any amount (“Reducing Amount”) before the accrued STASH is credited, you will forfeit the STASH that has accrued on the Reducing Amount. Reducing Amounts include, without limitation, amounts of eligible digital assets that have been sold, swapped, placed into limit orders or other locked states, transferred, or withdrawn from your Account.

2.14 Adjustments to your STASH balance: Coinstash may, at its sole discretion, reverse and debit your Account’s points balance if the eligible transactions are not completed, or are reversed or cancelled for any reason, including, but not limited to, suspected fraud, abuse, or a breach of these terms and conditions. This may be done with or without notice to you. This may result in a negative balance in your points account, for which you remain fully liable. The Company reserves the right to recover any such amounts from you, including but not limited to debiting future STASH credited to your points account.

2.15 Unverified Accounts: Accounts that have not completed verification to the satisfaction of Coinstash as per the Agreement, may earn STASH in limited circumstances. However, such Users cannot redeem their STASH for selected digital assets, or otherwise deal with digital assets using their STASH, until their Accounts have been fully verified to the satisfaction of Coinstash. STASH earned by unverified Accounts may automatically expire ninety (90) days after being credited if the User has not completed Account verification within that period.

2.16 You may redeem the STASH earned through Coinstash Rewards for selected digital assets, entries to promotions made available by Coinstash from time to time, or goods or services through the merchandise store. Your Account must remain active on the date that STASH would be credited to you for you to receive the applicable STASH.

2.17 All STASH must be earned and rewards must be redeemed in accordance with these Terms. Coinstash reserves the right to amend any redemption offer at any time. Coinstash Rewards does not provide you with the ability to participate in profit from activities such as on-lending, staking or arbitrage. Coinstash Rewards does not lock your digital assets to the Account from which STASH/rewards are earned. You may withdraw any digital asset on which STASH are earned at any time. There is no hold on the account which earns Coinstash Rewards and any withdrawal by you will be processed in accordance with Coinstash’s usual turnaround times (i.e. less than 24 hours). STASH cannot be bought, sold or dealt with other than through redemption of the rewards from Coinstash.

2.18 Your STASH balance will expire if no earning or redemption activity occurs on your Account for a continuous period of six (6) months. To prevent expiry, you must earn or redeem STASH at least once within each six (6) month period. For the avoidance of doubt, STASH earned from maintaining digital asset balances do not constitute eligible activity for the purposes of preventing STASH expiry.

2.19 Coinstash will ensure that you are notified in a prominent and appropriately targeted way about the approaching expiry of your STASH balance, detrimental changes to the rate at which you earn STASH or the value of your STASH.

2.20 You may be able to also earn STASH from promotional prizes, Coinstash’s referral program, long-term rewards and platform-based promotions, as introduced by Coinstash from time to time. Coinstash may charge a redemption fee for each STASH conversion. Where necessary, Coinstash will apply a reasonable exchange rate for each STASH conversion.

2.21 Coinstash Rewards is a free customer loyalty scheme as described under the Australian Securities & Investments Commission Regulatory Guide 185. Coinstash has designed these terms and conditions in consideration of the Australian Competition & Consumer Commission’s guidance on customer loyalty schemes. Coinstash Rewards’s main purpose is to promote spending on Coinstash’s goods and Services. STASH are allocated a measure of value because they can be used to acquire rewards which comprise Coinstash goods and services. STASH may be used to make payment or part payment for goods and services available as rewards. STASH are not a derivative or synthetic asset. Coinstash Rewards does not create any marketplace for the points other than by redemption of rewards. By participating in Coinstash Rewards, you do not intend for Coinstash to use the digital assets traded or held in your designated account(s) to generate a financial benefit or act as an investment for you.

2.22 Coinstash reserves the right to change the terms and conditions of Coinstash Rewards at any time without notice, including the right to discontinue or change the benefits of Coinstash Rewards. If Coinstash makes any material changes to these terms and conditions or terminates Coinstash Rewards, Coinstash may notify you by email. Coinstash may periodically update the rate of rewards and any rate changes are made at Coinstash's sole discretion.

3.1 Coinstash Membership provides you with promotional benefits such as volume-based trading fee discounts, tiered STASH earn rates in Coinstash Rewards, preferential access to offers, or other incentives determined by Coinstash from time to time.

3.2 You agree to participate in Coinstash Membership by creating an Account with no option to opt out, unless your access is removed at Coinstash’s reasonable discretion. Coinstash may, at its sole reasonable discretion, choose to offer or not offer Memberships to you.

3.3 Coinstash may introduce, vary, suspend, or discontinue one or more Membership tiers at any time and at its sole discretion. Each Membership tier may confer specific benefits.

3.4 You may choose to receive either a reduced trading fee, or a STASH benefit as part of Coinstash Rewards. The reduced trading fee will apply by default unless the User elects otherwise, where this option is made available to you by Coinstash in the user interface. Membership benefits may apply to both digital asset and fiat transactions or balances, and will only become available once the Member’s Account has been fully verified to the satisfaction of Coinstash as per the Agreement.

3.5 Memberships are allocated and renewed on a calendar-month basis. A User who registers for an Account partway through a calendar month will receive a trial Membership valid until the end of the following calendar month.

3.6 Coinstash may, in its discretion, renew, extend, upgrade, downgrade, or terminate any Membership tier or status at any time.

3.7 The Membership Program may operate in conjunction with the Coinstash Rewards program. Membership benefits may enhance, supplement, or otherwise interact with Coinstash Rewards benefits, including but not limited to increased STASH earning rates or eligibility for STASH back. Participation in the Membership Program does not affect a Member’s separate participation in Coinstash Rewards, unless expressly stated otherwise by Coinstash.

3.8 Coinstash reserves the right, at its sole discretion, to modify, suspend, or withdraw any aspect of the Membership Program, including eligibility criteria, tiers, benefits, and terms, at any time without prior notice. If Coinstash makes any material changes to these terms and conditions or terminates Coinstash Membership, Coinstash may notify you by email. Any amendment will take effect upon publication on the Platform. Membership benefits are promotional in nature and do not create any contractual entitlement or guarantee to any specific rate, benefit, or reward.

4.1 If Coinstash reasonably suspects that:

then Coinstash may immediately suspend the relevant User’s participation in Coinstash Rewards and/or Coinstash Membership to prevent any further fraudulent activity, breach or misuse. The User’s Account may still accrue STASH, however no STASH can be redeemed during the suspension period. Coinstash will notify the User of the suspension as set out in clause 4.2.

4.2 If Coinstash suspends an Account under clause 4.1, it will notify the relevant User of the suspension and the reason for the suspension. If the User is reasonably suspected to have facilitated or been involved in the specified activity, the User will then have fourteen (14) days to respond to the notice by providing an explanation for the specified activity, rectifying the identified breach (where possible) and providing any reason why Coinstash should remove the suspension and not take any further action. Coinstash will review any response provided by the User and determine, acting reasonably, whether the response is acceptable.

4.3 Coinstash will advise the User of the outcome of the process in clause 4.2, which may include Coinstash:

(i) reverse or cancel some or all of the STASH or membership status, or both;

(ii) cancel, suspend or refuse to honour any STASH or rewards, membership benefits or both, that have been redeemed by or provided to the User; or

(iii) terminate the User’s access to Coinstash Rewards and/or Coinstash Membership.

5.1 Interpretation: In these Terms, unless the contrary intention appears:

5.2 Governing Law: the Terms, Coinstash Rewards and Coinstash Membership are governed by and will be construed in accordance with the laws of the State of Queensland, Australia. In any action or other legal process with respect to any matter or thing in connection with these Terms, Coinstash Rewards and/or Coinstash Membership, the User submits to the jurisdiction of the State of Queensland.

5.3 Nothing in these Terms affects any rights a User may have and which by law cannot be excluded, including under the Competition and Consumer Act 2010 (Cth) and under State and Territory consumer protection legislation.

5.4 If part or all of any clause of these Terms is illegal, invalid or unenforceable then it will be read down to the extent necessary to ensure that it is not illegal, invalid or unenforceable, but if that is not possible, it will be severed from these Terms and the remaining provisions of these Terms will continue to have full force and effect.

5.5 Coinstash recommends that Users consult their accountant or tax adviser to ensure that they understand possible tax implications, if any, related to Coinstash Rewards and Coinstash Membership.

Last updated: 20 November 2025