Version history:
• Version 2.0
Approved by: The Governing Body
Date of approval and entry into force: May 26, 2026.
Latest version: May 26, 2026.
This document describes the pricing and sustainability information of the crypto-asset service provider „Digital Assist“ Ltd., EIK 206079266, with its registered office and management address: Sofia, postal code 1606, Krasno Selo District, 13 Pencho Slaveykov Blvd., Entrance A, Floor 1, Apt. 1 (the „Company“);
The focus is on the pricing and sustainable aspects of crypto-asset exchange services provided by the Company.
1.1 Definitions and Information for Customers; 1.2 Sustainability Information;
Pricing information; 2.2 Final transaction amount; 2.3. Cryptomat interface; 2.4. Management of conflicts of interest;
3. Sustainability Information 3.1 Bitcoin 3.1.1 Environmental 3.1.2 Social 3.1.3 Economic 3.2 Ethereum 3.2.1 Environmental 3.2.2 Social 3.2.3 Economic 3.3 Litecoin 3.3.1 Environmental 3.3.2 Social 3.3.3 Economic 3.4 USDC 3.4.1 Environmental 3.4.2 Social 3.4.3 Economic 4. Adverse Environmental Impacts 5. Risks Associated with Cryptocurrencies
1.1 Definitions, customer information, and pricing information can be found as follows:
1.2 Sustainability information: Sustainability information refers to the environmental, social, and economic impacts of the services provided.
2.1 This section describes the details of pricing for cryptocurrency exchange transactions (for buying and selling). Buying means acquiring crypto assets from the Company's crypto ATM into the customer's own wallet in exchange for Euros (EUR).
Sale means the client sells crypto assets for Euros (EUR).
2.2 Total transaction amount:
2.2.1 Purchase price: The buy/sell exchange rate of crypto-assets against cash (fiat currency) in real time according to the price provided by the crypto-asset service provider licensed under Regulation (EU) 1114/2023, Payward Europe Solutions Limited/Kraken Digital Asset Exchange (Kraken) (Kraken exchange rate value) at the time of the transaction; as well as
2.2.2 Commission (the commission amount is fixed):
3% – When exchanging Cash for Crypto Assets (Client BUYS): The commission is calculated on the market value of the purchased amount of Crypto Asset at the Kraken rate at the time of the transaction;
4% – When exchanging Crypto Assets for Cash (Client SELLS): The commission is calculated on the market value of the Crypto Asset amount being sold at the Kraken rate at the time of the transaction;
The commission is the main component of the Company's revenue. The commission is fixed and the same for all offered crypto assets (BTC, ETH, LTC, and USDC), regardless of the asset type and transaction size.
Changes to the commission range are made only after approval by the Company's governing body and are published in advance in the General Terms and Conditions on the Company's website, as well as in the General Terms and Conditions of the interface of each crypto ATM, and this document is amended accordingly.;
The commission is not determined individually for a specific client and is not applied discriminatorily.;
2.2.3 Fixed transaction fee: 3 euros (EUR), which is a fixed fee to cover blockchain network costs, as this is a standard network fee. (The fixed transaction fee can be adjusted from 1 euro (EUR) to 10 euros (EUR) depending on network congestion and current network fees).
Changes to the range of the fixed transaction fee are made only after the approval of the Company's Management Board and are published in advance in the General Terms and Conditions on the Company's website, as well as in the General Terms and Conditions of the interface of each crypto-ATM, and this document is amended accordingly.;
The fixed transaction fee is not due when the Client sells crypto assets for cash, as in this case, no transaction is sent to the blockchain network.
Formulas:
When exchanging Cash for Crypto Assets (Client BUYS):
Amount of Crypto Asset Received = (EUR deposited in cash − Commission (3%) − Fixed transaction fee) ÷ Market value of the Crypto Asset (Kraken rate)
When exchanging crypto assets for cash (Client SELLS):
EUR received in cash = (Amount of crypto asset × Market value of crypto asset (Kraken rate)) − Commission (4%)
2.3 Cryptomat Interface: The General Terms and Conditions are available on the Cryptomat's home screen. On the Cryptomat screen, the following two amounts are displayed separately before and during the transaction:
2.3.1 The total from: Market price of the Crypto Asset + Commission;
2.3.2 A fixed transaction fee of 3 EUR (only when the Client exchanges Cash for Crypto Assets (BUYS), as this is the only case where a blockchain network transaction occurs.)
The principles for setting prices are published on the Company's website and in its General Terms and Conditions.
2.4 Conflict of Interest Management
2.4.1 The Company:
This chapter describes the aspects of sustainability of tradable crypto-assets.
Customers can find more detailed information on the Company's website.
The company does not discriminate against users and does not restrict access to the service, except when required by regulations and applicable Bulgarian and European legislation related to anti-money laundering and counter-terrorism financing rules (AML regulations). The service is intended for all individuals who wish to exchange crypto assets to or from fiat currencies.
Bitcoin (BTC) uses a proof-of-work (PoW) consensus mechanism, which consumes a significant amount of energy.
The estimated annual energy consumption is comparable to that of countries like the Netherlands. (approximately 100-150 TWh per year)
Although it is energy-intensive, PoW provides the most secure decentralized information system.
There is data on an upward trend in the use of renewable energy sources in terms of extraction.;
Promotes financial inclusion, especially where access to traditional banking is limited;
Transparency and decentralization of the blockchain network;
It is known for its high volatility, but it is gradually decreasing;
Bitcoin's (BTC) limited supply (21 million) supports its role as a long-term store of value („digital gold“).;
Ethereum (ETH) has transitioned to a proof-of-stake (PoS) consensus mechanism, which significantly reduces energy consumption (by over 90% compared to PoW);
Reduced carbon footprint;
Supports decentralized applications (dApps), smart contracts, NFTs, and DeFi.
It facilitates global financial empowerment, although it is vulnerable to smart contract exploitation.
It performs a dual role as a currency and a platform for smart contracts.
Continuous development strengthens long-term economic resilience.
It uses proof-of-work (PoW) with the Scrypt algorithm, which is less energy-intensive than Bitcoin's (BTC) SHA-256.;
Faster transactions and lower fees encourage its use for everyday payments.
Initially designed for more democratized mining.
Subject to volatility;
Designed for speed and scalability with a 2.5-minute block time;
USDC is a token based on blockchain networks like Ethereum (PoS), making it significantly less energy-intensive compared to proof-of-work (PoW) crypto assets;
The carbon footprint is minimal as it does not require mining.;
As a stablecoin pegged to the U.S. dollar (USD), USDC provides price stability, making it an accessible tool for financial inclusion;
Facilitates fast and cheap international transfers, especially for unbanked individuals;
Its value is pegged 1:1 to the U.S. dollar (USD), which eliminates the volatility characteristic of other crypto assets;
The reserves backing USDC are audited regularly by independent auditors.;
It is regulated by U.S. financial authorities, which provides additional legal predictability;
4.1 Proof-of-work (PoW) mechanisms can lead to:
4.1.1 High electricity consumption;
4.1.2 Greenhouse gas emissions;
4.1.3 Electronic waste; (mining equipment)
Cryptocurrencies are high-risk assets. The list is not exhaustive:
5.1 Market Risk: High Volatility.
5.2 Liquidity Risk: Limited Trading.
5.3 Security risk: Vulnerability to hacking and phishing.
5.4 Blockchain Risks: Irreversible Errors and Delays.
5.5 Operational risk: Technical vulnerabilities in blockchain and DeFi systems.
5.6 Legal risk: Rapidly changing regulations.
5.7 Tax risk: Unclear and changing tax rules.
5.8 Risk of abuse: Fraud, including romance scams, targeting customers.
5.9 Climate and Regulatory Risk: Future legislative initiatives could restrict or impose additional requirements on proof-of-work (PoW) networks; introduce carbon taxes, impose ESG restrictions at an institutional level.;