Welcome to PMVBlock

At PMVBlock, we believe that everyone should have the freedom to earn, hold, spend, share and give their money to whomever they want - no matter who you are or where you come from.

Our Mission

Today, PMVBlock is one of the world’s leading blockchain ecosystem, with a product suite that includes one of the largest digital asset exchange. Our mission is to be one of the best infrastructure providers for crypto in the future world.

Our Vision

Our vision is to increase the freedom of money globally. We believe that by spreading this freedom, we can significantly improve lives around the world.

Our Values

PMVBlock Core Values guide our behavior, decisions, and action, enabling unified collaboration across our diverse, international teams.

Putting Our Users First

Users are at the heart of everything we do. From the beginning, we’ve made user protection our top priority. That is why we’ve embedded state-of-the-art security measures and strict data privacy controls across the entire PMVBlock ecosystem.

Our Commitment to User Protection

Users are at the heart of everything we do. From the beginning, we made user protection our top priority by embedding state-of-the-art security measures and strict data privacy controls across the PMVBlockecosystem.

We work alongside partners, policy-makers and regulators to shape our robust compliance program and regulatory framework, and build a sustainable path forward for the blockchain industry.

Secure From Day One

We safeguard user funds by securing our platform with strict protocols and industry-leading technical measures. From real-time monitoring and a 360-degree risk management system to advanced data privacy tools and end user security education, we continually find innovative ways to protect the users we serve.

Platform Security

Secure Storage

The vast majority of user funds and assets are safely stored in offline, cold storage facilities. 

Real Time Monitoring 

Our risk management system analyzes every withdrawal attempt, password reset, two-factor authentication reset and email address change. Unusual activity triggers suspended withdrawals for a minimum of 24-48 hours. 

Organizational Security

Our wallet and personnel infrastructure features advanced security measures, including multi-signature and threshold signature schemes (TSS), ensure the safety and integrity of our users’ funds.

Advanced Data Encryption

We protect user data and personal information, including Know-Your-Customer (KYC) information, by encrypting data in storage. Meanwhile, data in transit is secured via end-to-end encryption, ensuring only users have access to their personal information. 

User-Level Security

Secure Storage

The vast majority of user funds and assets are safely stored in offline, cold storage facilities.

Safe Sign In

PMVBlock supports strict sign-in protocols using two-factor authentication, including hardware, app-based, SMS and email methods.

Real Time Monitoring 

Our risk management system analyzes every withdrawal attempt, password reset, two-factor authentication reset and email address change. Unusual activity triggers suspended withdrawals for a minimum of 24-48 hours.

Access Control

Advanced access control provides users with opt-in security features such as IP and wallet address whitelisting, API access control and device management.

Security Notifications

Receive emails, notifications and security alerts in the event that suspicious activity is detected. Users can secure their account by restricting access to unwanted third parties.

Advanced Data Encryption

We protect user data and personal information, including Know-Your-Customer (KYC) information, by encrypting data in storage. Meanwhile, data in transit is secured via end-to-end encryption, ensuring only users have access to their personal information.

Working Together To Establish Global Crypto Compliance

In order to shape the future of crypto compliance across the globe, PMVBlock partners with regulators and third parties to develop clear regulatory frameworks, guidelines and standards. In parts of the world where regulation is still under development, we strive to set proactive initiatives to protect our users according to global compliance standards. We continue to invest in our compliance program and partner with cutting-edge compliance technology providers to meet and exceed global regulations. We continue to invest in our compliance program and partner with cutting-edge compliance technology providers to meet and exceed global regulations whilst empowering law enforcement agencies.

PMVBlock.io is a wholly owned subsidiary of BlockPulse s.r.o. a registered and licensed company (2160619) in Czech Republic with their registered address at Varsavska 715/36 120 00, Praha 2 - Vinorahdy

Compliance Initiatives

General Risk Warning - 

Last Updated: 26th February 2025

A. Understanding This Risk Warning

1. Any capitalized terms used in this Risk Warning that are defined in the PMVBlock Terms of Use (the "Terms of Use," which include any Product Terms) retain the same meaning and interpretation as in the Terms of Use.

B. PMVBlock Services

1. As part of our commitment to compliance and user protection, this Risk Warning outlines key risks associated with PMVBlock Services. Each PMVBlock Service carries distinct risks, and this document provides a general overview of some potential risks involved in using these services.
2. This Risk Warning does not cover all possible risks or how they may relate to your personal circumstances. Before using PMVBlock Services, it is essential to fully understand the risks involved. Additionally, please review the specific terms applicable to the PMVBlock Service you intend to use. By engaging in PMVBlock Services and transactions, you acknowledge and accept all associated risks.

C. No Personal Advice

1. PMVBlock does not provide personalized advice regarding PMVBlock Services. While we may offer factual information, procedural guidance, and risk-related details, any decision to use PMVBlock Services is entirely yours. No communication from PMVBlock should be interpreted as investment, financial, trading, or any other type of advice. You are solely responsible for determining whether an investment, strategy, or transaction aligns with your personal financial situation, objectives, and risk tolerance.

D. No Monitoring

1. PMVBlock does not act as your broker, intermediary, agent, or advisor and holds no fiduciary responsibility regarding your trades or decisions made through PMVBlock Services. We do not monitor whether your use of PMVBlock Services aligns with your financial goals. It is your responsibility to assess whether any activity on PMVBlock Services is suitable for your financial position and risk appetite.

E. No Tax, Regulatory, or Legal Advice

1. You are solely responsible for understanding and fulfilling any tax obligations that may arise from using PMVBlock Services. PMVBlock does not provide legal or tax advice regarding transactions conducted on our platform. If you have any uncertainties about your tax status or obligations, we recommend seeking independent professional advice.
2. Where required by applicable laws, PMVBlock may report transaction details to tax or regulatory authorities. Similarly, PMVBlock may withhold taxes on transactions, transfers, distributions, or payments as mandated by law. You may also be required to provide additional tax-related documentation. Failure to comply with such requests may result in PMVBlock withholding and remitting taxes to relevant authorities. Seeking professional tax advice before engaging in transactions is strongly encouraged.

F. Market Risks

1. Investing in Digital Assets involves significant risk. The value of your investment may fluctuate, and you could lose some or all of your funds. If you are new to Digital Assets, consider starting with a small investment and only invest what you can afford to lose. Conduct thorough research to understand the risks associated with Digital Asset.
2. Digital Asset trading is highly speculative, volatile, and unpredictable. Prices can change rapidly due to supply and demand shifts, regulatory changes, economic conditions, and broader market trends. All Digital Asset investments carry a risk of loss.
3. Past performance does not guarantee future results. PMVBlock makes no assurances regarding the performance, price stability, or market trends of Digital Assets or any products offered through PMVBlock Services.
4. The Digital Asset industry is exposed to systemic and systematic risks. Systemic risk refers to threats that may trigger large-scale industry or company collapses, while systematic risk encompasses broader economic, sociopolitical, technological, or natural factors affecting the entire market. Both types of risks can significantly impact Digital Asset prices.
5. Blockchain technology is rapidly evolving, and its future remains uncertain. Various unpredictable factors may influence the growth and stability of Digital Asset networks, affecting the value of Digital Assets.
6. Negative perceptions surrounding Digital Assets may decrease investor confidence, leading to increased market volatility and potential value depreciation. Adverse events or negative publicity in the Digital Asset space may have a direct impact on the value of your investments.

By using PMVBlock Services, you acknowledge and accept the risks outlined in this document.

G. Counterparty Risk
14. When using PMVBlock Services, you may face counterparty risk in various situations. This includes, but is not limited to, market makers or liquidity providers experiencing issues that lead to price slippage or trade execution failures, payment processor disputes or failures that delay deposits and withdrawals, and borrowers defaulting on loans, which may affect the redemption of certain deposits.

1. In exceptional circumstances, your holdings and ability to transact may be negatively impacted, leading to potential outcomes such as incomplete transactions, unrecoverable trading costs, loss of profits, or the inability to buy or sell assets at your preferred price or time.

H. Liquidity Risk
16. The price of Digital Assets in the secondary market depends on supply and demand and can be highly volatile. Limited liquidity may make it difficult or impossible to sell or exit a position when desired, especially during periods of rapid price movement.

I. Fees & Charges
17. Our current fees and charges are listed [here]. PMVBlock reserves the right to update these fees at its discretion. Be sure to review all applicable fees, as they will affect your overall returns when using PMVBlock Services.

J. Availability Risk
18. While we strive to provide a seamless experience, we cannot guarantee uninterrupted access to PMVBlock Services. Unplanned outages or network congestion may prevent you from buying, selling, transferring, or receiving Digital Assets at your preferred time.

1. Legal restrictions in various countries may limit the availability of certain PMVBlock products and services. Some features, including fiat services, may be restricted in certain regions. Additionally, PMVBlock promotions, competitions, or campaigns may not be available to all users. You are responsible for understanding and complying with the regulations applicable to your use of PMVBlock Services in your jurisdiction. PMVBlock reserves the right to modify or impose additional restrictions at any time without prior notice.

K. Third-Party Risk
20. PMVBlock Services may involve third-party providers, such as payment processors, custodians, and banking partners. You may be subject to their terms and conditions. Unless stated otherwise, PMVBlock is not liable for any losses resulting from services provided by these third parties.

L. Security Risk
21. Due to the nature of Digital Assets, there is an increased risk of cyberattacks. While PMVBlock takes reasonable measures to secure assets and protect the Platform, no system is entirely immune to security threats. There is no guarantee that cybersecurity measures will always prevent unauthorized access.

1. You are responsible for securing your PMVBlock account information. You bear full responsibility for all transactions made through your account, whether authorized or not. Transactions in Digital Assets may be irreversible, meaning losses from fraud or unauthorized access may not be recoverable.

M. Risks Related to Digital Assets
23. Digital Assets and their underlying technologies carry inherent risks, including but not limited to:
a. Security vulnerabilities, hacks, software defects, or unforeseen technical issues affecting Digital Assets or the networks they rely on;
b. Irreversible transactions, which may prevent recovery of funds lost due to fraud or accidental transfers;
c. The possibility of Digital Assets becoming obsolete due to technological advancements;
d. Network delays that may affect transaction settlement times;
e. Attacks on blockchain networks or protocols that could disrupt asset functionality;
f. Hard forks, where a blockchain splits into two versions, potentially affecting asset demand and value;
g. Market volatility caused by large asset holders selling off significant portions of their holdings;
h. The risk of a “51% attack,” where a party controlling a majority of a blockchain’s computing power could manipulate transactions, potentially undermining trust in blockchain networks;
i. The threat of fraud, cyberattacks, and other security risks;
j. The absence of investor protection schemes for Digital Assets held with PMVBlock, meaning there is no external insurance or compensation available;
k. The emergence of new risks associated with evolving Digital Asset markets and investment strategies, including speculation and uncertainty.

N. Monitoring Risks
24. Digital Asset markets operate 24/7, and prices can change rapidly at any time, including outside normal business hours.

O. Communication Risks
25. Electronic communication with PMVBlock may be subject to delays, failures, security vulnerabilities, or misdelivery.

P. Currency Risk
26. Fluctuations in currency exchange rates may impact your gains and losses.

Legal and Regulatory Risks
27. Most digital assets operate without a central authority and are generally not backed by any government or institution. Changes in laws and regulations can significantly impact their value. These changes are unpredictable and vary across different markets.
28. In some jurisdictions, digital assets may not be classified as "property" under applicable laws, potentially affecting ownership rights and their enforceability.
29. Regulatory changes may restrict or adversely affect the use, transfer, and exchange of digital assets, as well as PMVBlock's ability to provide services in certain regions. These changes can occur rapidly and without prior notice.

Simple Earn Risks
30. When users deposit assets into Simple Earn, those assets may be loaned to PMVBlock affiliates or clients, including through margin and loan products. These loans are subject to the risk that borrowers may default. PMVBlock mitigates this risk through due diligence and collateral requirements. Most loans are overcollateralized, meaning the collateral value exceeds the loan amount.

31. A large number of borrower defaults, insufficient collateral, or depletion of the insurance fund could delay or impact the return of your Simple Earn assets.
32. In rare circumstances, PMVBlock may experience liquidity constraints due to market volatility, borrower defaults, or other external factors. PMVBlock employs risk management processes to minimize liquidity risks, such as limiting individual borrowing amounts and user subscription caps.
33. Assets deployed in on-chain staking are subject to risks such as "slashing"—a penalty for validator misbehavior, smart contract errors, or other network failures. While PMVBlock takes precautions to prevent slashing and may compensate users at its discretion, losses are still possible in extreme cases.
34. PMVBlock occasionally offers promotional campaigns with higher APRs on Simple Earn products. These are temporary, and users should assess whether the standard rate meets their needs once the promotion ends.
35. Despite PMVBlock's precautions, extreme market events, technical failures, or security breaches may result in users losing some or all of their Simple Earn assets or experiencing delays in asset retrieval.

ETH Staking Risks
36. Staking carries a risk of "slashing," where staked assets are forfeited due to validator misconduct or technical failures. Though rare, slashing events have occurred, affecting only 0.04% of Ethereum validators as of February 2023. PMVBlock aims to compensate users in such cases but cannot guarantee full reimbursement in all scenarios.
37. Staking rewards depend on PMVBlock’s Variable Reward Rate, which fluctuates based on on-chain rewards and commission fees. Users receive staking rewards rather than direct on-chain rewards.
38. Users may not redeem all staked assets in one request and may need to submit multiple redemption requests over time due to network processing limitations. Redemptions are subject to daily quotas and a redemption pool.
39. The Variable Staking Rate at subscription is an estimate and may fluctuate. PMVBlock does not guarantee specific returns.
40. Staked asset redemptions typically take around six days but may be delayed due to market volatility, network congestion, or other unforeseen circumstances. During processing, assets cannot be traded, and their market value may change.
41. PMVBlock does not guarantee uninterrupted ETH staking services and may suspend or terminate staking at its discretion, potentially affecting users’ staking rewards.

Risk of Trading Using Leverage
42. Trading with leverage carries substantial risk. A small market movement can have an amplified effect on leveraged funds, potentially leading to total loss of margin funds.
43. If the market moves against your position or margin requirements increase, you may need to deposit additional funds on short notice to maintain your position. Failure to do so may result in liquidation at a loss.

Risk of Trading Futures
44. Futures are complex, leveraged instruments that may not be suitable for inexperienced investors. Market volatility can lead to rapid and significant losses.
45. The risk of loss is significant, and traders must be prepared for the possibility of losing their entire investment.
46. Users should only trade with funds they can afford to lose and seek independent financial advice if necessary.
47. When trading futures, users must:
a. Understand futures products before trading.
b. Monitor positions and manage margin to avoid liquidation.
c. Limit exposure to risk.
48. Losses may occur due to adverse market movements, insufficient liquidity, platform malfunctions, or changes in trading conditions.
49. Futures prices may not always align with spot market prices due to supply, demand, and market factors.
50. Leverage increases exposure, meaning small price fluctuations can lead to liquidation. For example, a 1% price drop in a 10x leveraged long position results in a 10% loss.
51. If the market moves against a futures position, users may need to deposit additional margin. Failure to do so may result in total loss of collateral and, in extreme cases, additional liabilities.
52. Perpetual futures products do not have a fixed term but are subject to ongoing funding rates.
53. PMVBlock may terminate futures trading at its discretion, potentially resulting in forced position closures at unfavorable prices.
54. Stop-loss and stop-limit orders may not always be executed due to rapid market movements. Certain trading strategies, such as spreads and straddles, also carry significant risks.

Risk of Trading Options
55. Options trading is highly risky. Traders should fully understand call and put options before engaging in options trading.
56. Writing or granting options carries significantly greater risks than purchasing them. Losses can exceed the premium received, and additional margin may be required to maintain positions. If an option is uncovered, potential losses can be unlimited.

W. Risk of VA Loan Services

1. Collateral Requirements: PMVBlock may require you to provide collateral to support your obligations under certain VA Loan Services transactions. If market conditions deteriorate or PMVBlock adjusts collateral requirements, you may be asked to provide additional collateral. These requirements could be substantial, particularly in volatile markets.
2. Use of Collateral: For Flexible Rate Loans, PMVBlock will use your collateral to subscribe to Flexible Simple Earn Offers on your behalf, in accordance with the VA Loan Service Terms and Simple Earn Terms. Collateral for Stable Rate Loans will be transferred to the Collateral Account and will be subject to PMVBlock's rights as outlined in the Terms of Use and applicable law.
3. Risk of Loss: Providing collateral for financing transactions carries significant risk. You may incur losses exceeding the collateral held with PMVBlock and even lose all your initial and additional collateral.
4. Market Volatility Impact: Small price movements in the market can amplify your gains or losses. Losses may exceed your deposited collateral, making you liable for any shortfall. You may be required to provide additional virtual assets at short notice.
5. Liquidation Risk: If you fail to cover a shortfall within the required timeframe, PMVBlock may liquidate your collateral, terminate your loan, and apply the liquidation proceeds to the shortfall. This could result in significant costs and losses. You should carefully assess whether these loan services align with your financial position and investment goals, and seek independent advice if needed.

X. Risk of Gift Card Services

1. Fraud Risks: Non-PMVBlock entities or individuals requesting PMVBlock Gift Cards as payment may be engaging in fraudulent activities.
2. Liability for Losses: PMVBlock is not responsible for lost, stolen, or misused gift cards.

Y. Risk Disclosures for Dual Investment

1. No Principal Protection: Dual Investment is a high-risk structured product and differs from other Earn products on the platform.
2. Irrevocable Subscription: Once subscribed, the Target Price, Settlement Date, Subscription Period, and APR are fixed. Changes or cancellations are not allowed.
3. Market Volatility Risk: If the market price at the Settlement Date is less favorable than the Target Price, you must still proceed with the exchange. There is no guarantee of financial gain.
4. High-Risk, High-APR Trade-Off: The high APR compensates for the associated risk. Past performance does not guarantee future results, and PMVBlock is not liable for price fluctuations.
5. No Guaranteed Rewards: Rewards are credited only when received by PMVBlock. Future APR estimates may change due to market conditions.
6. Illiquidity Risk: Subscribed assets are locked until the Settlement Date, preventing early access or trading. Market volatility may lead to losses or missed opportunities.

Z. SOL Staking Risks

1. Reward Variability: Staking rewards are based on the BNSOL conversion rate, Solana validator-node APR, and PMVBlock's staking fees. These may change over time.
2. Redemption Limitations: Full redemption may require multiple requests due to Solana network constraints or PMVBlock-imposed limits.
3. Processing Delays: Redemptions typically take about four days but may be significantly delayed due to market conditions, network congestion, or other factors.
4. Operational Risks: PMVBlock does not guarantee uninterrupted SOL Staking Services. Disruptions, unauthorized access, or service discontinuations may affect rewards or asset availability.

AA. Earn Smart Arbitrage Risk

1. No Investment Advice: PMVBlock does not provide investment recommendations regarding Trading Bots. Users are responsible for determining strategy suitability.
2. Outcome Uncertainty: PMVBlock does not guarantee the performance of any Trading Bot, and users bear the risk of losses.

AB. Risk of Stablecoin Depegging

1. Potential for Depegging: Stablecoins, including USDC and USDT, are intended to maintain a 1:1 parity with fiat currency, but market conditions, regulatory changes, or operational failures may cause price fluctuations or loss of value.
2. Liquidity Risks: Depegging can reduce stablecoin liquidity, impacting trade execution and exit opportunities.
3. Margin and Collateral Impact: Price fluctuations due to depegging may increase margin requirements, trigger liquidations, or render stablecoins ineligible as collateral.
4. Issuer Risk: Stablecoin stability depends on the creditworthiness and operational reliability of its issuer. Regulatory actions or operational failures may heighten depegging risks.
5. Counterparty Risks: Legal or regulatory actions against issuers, cyberattacks, or technical malfunctions may affect stablecoin stability.
6. Market Contagion Effects: Depegging of one stablecoin may impact broader market sentiment, affecting other stablecoins or trading venues.
7. Diversification Considerations: Users should diversify collateral and funding sources to mitigate potential depegging risks.
8. No Guarantee of Stability: PMVBlock does not guarantee that stablecoins will maintain their 1:1 parity. Users should independently assess risks before holding or using stablecoins.

Final Considerations: Users are encouraged to thoroughly review all applicable terms and disclosures, monitor market conditions, and seek independent financial advice before engaging in PMVBlock services.