OF
Digital Assist LTD
These rules are in effect as of the last amendment on 07/14/2026.
1.1 Your agreement with the Service Provider. These terms and conditions („Terms and Conditions“) constitute an agreement between the Service Provider and you („Customer“). They apply in connection with the Service Provider's provision and the Customer's use of the Exchange Services.
Please read these Terms and Conditions carefully before you start using Cryptomata and the Exchange Services. They set out how the price for the Exchange Services is formed, including the commissions and fees charged by the Service Provider.
By clicking the „Accept“ button, you declare that you understand, fully accept, and agree to comply with these Terms and Conditions.
1.2 The crypto ATMs are owned and maintained by the Service Provider;
1.3 By using the Exchange Services and carrying out operations through the crypto ATM, the Client declares that they have read, understood, and accept these General Terms and Conditions, and that they will act in accordance with these General Terms and Conditions, applicable legislation, and best practices. The Client declares that they are over 18 years of age.
1.4 By accepting these General Terms and Conditions and using our crypto ATMs, you declare that the Crypto Assets or Cash Funds you use have been lawfully acquired by you and you have the right to carry out transactions with them.
1.5 By accepting these General Terms and conditions and using the crypto ATMs, you declare and guarantee that the crypto asset wallet address you provide when making a transaction is under your exclusive control and is your personal property. The use of wallet addresses that you do not own or that are not under your direct and independent control is prohibited.
1.6 The General Terms and Conditions apply to all Exchange Services supported and/or managed by the Service Provider, unless otherwise stated or agreed for a specific Exchange Service.
2.1 „Service Provider“ means Digital Assistant Ltd., EIK 206079266, with its registered office and management address: Sofia, 1606, Krasno Selo District, 13 Pencho Slaveykov Blvd., Entrance A, Floor 1, Apt. 1, with an electronic address for correspondence support@digitalassist.bg;
2.2 „Crypto-assets“ means a digital representation of value that is not legal tender and can be transferred and stored electronically, specifically: the crypto-assets Bitcoin (BTC), Ethereum (ETH), USDC, and Litecoin (LTC);
2.3 „Client“ means any natural person who uses the Exchange Services for their own account;
2.4 „Cryptomat“ means a bidirectional automated device for carrying out Exchange Services;
2.5 „Exchange Services“ means entering into contracts with Customers for the purchase or sale of Crypto Assets in exchange for Fiat funds, using own capital, through a Crypto ATM against the Purchase Price;
2.6 „Cash“ means banknotes and coins, representing legal tender currency (Euro, EUR) under Bulgarian law;
2.7 „Purchase Price“ means the sum for the Exchange Service, indicated in euros (EUR) on the Cryptomat user interface, which includes the sum of the following amounts:
2.7.1 The buy/sell exchange rate of crypto assets against cash (fiat currency) in real-time according to the price provided by the licensed crypto asset service provider 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
2.7.2 A fixed commission based on the fiat value of the transaction under Section 2.7.1. The commission is 3% of the fiat value of the transaction under Section 2.7.1 for a buy order and 4% of the fiat value of the transaction under Section 2.7.1 for a sell order.
2.8 „Fixed Fee“ - A fixed transaction fee, which represents a standard network fee to cover costs of the blockchain network, is EUR 3. The fixed fee is determined based on network congestion and current network fees. In all cases, the fee is displayed on Cryptomata and is visible to the Customer for every transaction. This fee is charged only when purchasing Crypto Assets against Cash. This fee is not due when the Customer sells Crypto Assets against Cash.
3.1 Crypto-assets are not money, not electronic money, and not financial instruments within the meaning of Bulgarian legislation.
3.2 The exchange service represents a two-way exchange of Crypto Assets for Cash.
3.3 The service under the previous point is not a banking, investment, or payment service.
3.4 The service provider does not provide any services other than the service under item 3.2. The service provider does not provide cryptocurrency transfers, investment advice, forecasts, or recommendations.
3.5 The service provider aims to ensure the highest possible quality and functionality of its Exchange Service.
3.6 The service provider is responsible for the legality and conformity of the exchange service content with best practices.
4.1 Cash to Crypto Asset Exchange Procedure (BUY):
4.1.1 The client exchanges cash for crypto assets, such as:
(a) The purchase price is visible before and during the transaction.;
(b) After selecting „Buy,“ the Cryptomat screen displays: the Purchase Price, as well as the Fixed Fee; the two together represent the final transaction amount the Client will pay;
(c) The user scans the address of their Client Wallet via QR code;
(d) The user deposits cash (bills are deposited one by one) for which they wish to exchange for the corresponding selected crypto asset at the cryptomat.;
(e) From the moment the first Cash amount is deposited, the Exchange Service is non-cancellable and non-refundable. Upon depositing the last Cash amount and confirmation by the Customer, the Exchange Service is considered irrevocably concluded.
f Within a few minutes, the corresponding crypto asset arrives in the client's wallet after the transaction receives the necessary confirmations on the blockchain network.
4.2 Procedure for Exchanging Crypto Assets for Cash (SELL):
4.2.1 The client exchanges crypto assets for cash, such as:
a) The selling price is visible before the transaction begins;
b) After selecting „Sell“, the Buy Price at which the Client will close the transaction is displayed on the Kyronomat screen;
The customer states the amount of Cash needed to withdraw and then presses the „Withdraw“ button;
d) The client scans the Cryptomat's interface QR code with their wallet and then sends the corresponding amount of Crypto-asset to the address specified by the Cryptomat;
e) From the moment the relevant Crypto-asset is sent, the Exchange Service is considered finally concluded. From this moment on, the transaction is not subject to cancellation or refund.
f) After the transaction is completed on the blockchain network, the Cryptomat releases the corresponding cash funds, available for the Customer to take;
4.3 The client undertakes to send the exact amount of Cryptoassets or deposit the exact amount of Cash Funds as indicated in the Cryptomat client interface. In case of a discrepancy between the quantity of Cryptoassets sent by the client and those initially requested in the transaction, the Client must contact Cryptomat support.
4.4 Every action in the user interface of our Cryptomats constitutes an „electronic statement“ within the meaning of the Law on Electronic Document and Electronic Certifying Services (ZEDEUU), by which you can be bound in cases provided for by law.
4.5 The service provider continuously develops the Exchange Service and has the right to change its content, as well as the hardware requirements necessary for its use, as part of its normal operations.
4.6 The service provider also has the right to terminate the provision of the Exchange Service. This will be announced on the service provider's own website.https://digitalassist.bg/, on Cryptomat, or otherwise within a reasonable time prior to the termination of the provision of the Exchange Service. Such termination does not in any way affect transactions already made between the Customer and the Service Provider. The Customer is not entitled to compensation upon termination.
5.1 The service provider strives to ensure the continuity and seamless operation of the Exchange Service.
5.2 The service provider has the right to interrupt the Exchange Service due to a change, update, or technical reason related to the Exchange Service, or due to repair, installation, or maintenance activities in the telecommunications network or other similar reason, or if required by law or other official provision. The service provider strives to limit the duration of the interruption to the shortest possible time. Such an interruption does not affect transactions already made between the Customer and the Service Provider in any way. The Customer is not entitled to compensation for interruptions.
6.1 Crypto assets are high-risk digital assets whose market prices are characterized by significant volatility. The value of Crypto assets can increase or decrease substantially in a short period of time, including within minutes or hours. The purchase, sale, or exchange of Crypto assets, including through the services provided by the Provider, may result in the partial or complete loss of invested funds. The service provider is not responsible for losses incurred by the Client resulting from market fluctuations or changes in the price of Crypto assets.
6.2 By accepting these terms and conditions, the Client declares that:
6.2.1 understand the nature of crypto assets and associated risks;
6.2.2 is aware of the possibility of significant price fluctuations in Crypto Assets, which is independent of the Service Provider;
6.2.3 makes an independent investment decision and bears full responsibility for it;
7.1 The service provider implements the measures under the Anti-Money Laundering Act (AMLA).
7.2 Registration;
7.2.1 The client may use Cryptomats only after being identified. Identification is carried out through registration during initial use.
7.2.2 Mandatory registration occurs through intuitive commands and prompts on the Cryptomat itself, which includes the following mandatory steps on the part of each Client:
a) Acceptance of the General Terms and Conditions;
b) Acceptance of the Privacy Policy;
c) When buying and selling Cryptoassets, the Client undertakes to provide a mobile number to which the Service Provider will send a security code. In order for the Service Provider to perform the requested Exchange Service by the Client, the Client undertakes to enter the security code received by the Client. The Client undertakes to present an official identity document as well. Upon initial registration, in order to proceed with a purchase or sale, the Client is obligated to complete an initial verification form and each of its mandatory fields in accordance with applicable legislation, such as name on official document, citizenship, unified identification number, official document number, date of birth, and if necessary, place of birth, as well as to upload clear photos of both sides of their identity document. If you do not complete the initial form, you will not be able to register and use the Cryptomat, respectively, to use the Exchange Service offered by the Company.
d) For every purchase and sale of Crypto Assets valued at 990 Euros (EUR) or with a cumulative value exceeding 990 Euros (EUR), the Client will be required to complete an additional verification form. If you do not complete the additional form, your Client account will be suspended or blocked, and you will not have access or the right to conduct transactions until the form is completed and your identity is verified by the Service Provider.
e) The service provider, through the Cryptomat, verification forms, or otherwise, may collect, and the Client undertakes to provide, all necessary data, documents, and declarations in connection with the Company's obligations under the AML Act and applicable legislation, such as, but not limited to: (i) phone number; (ii) photo(s); (iii) email address; (iv) name, date of birth, or EGN/LNCH; (v) copy of an official identification document (including scanned from both sides) - e.g., ID card, passport, or driver's license; (vi) questionnaire regarding the activity; (vii) declaration of origin of funds under Art. 66, para. 2 of the AML Act, declaration to ascertain whether the Client is a politically exposed person under Art. 42, para. 2, item 2 of the AML Act (including a declaration of the beneficial owner under Art. 59 of the AML Act if applicable); (viii) account number for crypto assets of the initiator. Failure to provide data under this point may lead to the inability to register or to the suspension or blocking of the Client's registration, thus you will not have access or the right to perform transactions.
7.2.3 The client is registered when the Service Provider has verified the Client's identity. Providing false client information or registering a Client who provides such information is prohibited, and the Client declares that they have provided true information upon registration for the Exchange Service.
7.2.4 The Exchange Service Customer undertakes to provide all information in accordance with the AML/CFT Act and applicable legislation, official guidelines, or other requirements related to customer registration and identification, in order to ensure the use of the Exchange Service, including in the future.
7.2.5 In case of breach of any of the Client's obligations under this Article 7, the Service Provider shall have the right to suspend the Client's access to the Exchange Services and any Crypto ATM.
7.2.6 The Service Provider has the right, at its discretion and applying a risk-based approach, to limit, temporarily suspend, or refuse the provision of Exchange Services, as well as access to and use of Crypto ATMs, with respect to Clients identified as high-risk in accordance with the Anti-Money Laundering Act, applicable European legislation, and the internal rules of the Service Provider. (including the Client or its beneficial owner being included in sanctions lists, restrictive measures lists, or asset freeze lists, including, but not limited to, adopted by the European Union, the United Nations, as well as in other internationally recognized sanctions regimes (including, but not limited to, OFAC, HMT, as well as national lists where applicable);
7.2.7 In cases provided for by law, as well as in case of doubt about actions under the preceding provisions, your data will be provided to the competent authorities. The use of third-party mobile numbers or third-party or invalid personal documents, the obstruction of facial capture, as well as the declaration of false circumstances, is a violation of the law.
8.1 In all cases, upon proven technical error on the part of Cryptomat, the Service Provider shall take action to refund the Client's amount within a reasonable time.
8.2 The Client is obligated, upon request of the Service Provider, to return such funds that the Client has received due to an error or other unusual event or through other unlawful means.
8.3 The service provider is not responsible for:
8.3.1 Incorrectly entered wallet address; (Cryptocurrency transfers cannot be reversed)
8.3.2 Technical problems in the blockchain network;
8.3.3 Actions or inactions of third parties.
8.4 The Service Provider's responsibility is limited to providing accurate and objective information on the ratio between the value of requested cryptocurrency units and their equivalent in fiat currency, calculated in real-time based on the current rates of leading cryptocurrency exchanges with which the Service Provider operates.;
8.5 In the event of a technical or printing error, including an error in displaying or calculating an exchange rate, amount, or quantity, the Service Provider's liability shall be limited to the amount of the specific transaction affected by the error. In such cases, the Service Provider shall only be liable for reimbursement or execution up to the amount of:
8.5.1 actually received by him cryptocurrency units, transferred by the Client to the specified cryptocurrency address; or
8.5.2 the actual funds received by the Client into the Cryptomat;
When due to a relevant error, the Provider has not transferred or has inaccurately transferred the due amount of cryptocurrency units or funds. The equivalent is determined at the time of the transaction based on the applicable exchange rate, formed in accordance with the Service Provider's methodology in effect at that time.
8.6 Claims must be filed with the Service Provider before the expiration of a 5-year period from the transaction date, after which the Client's funds will be transferred to the Service Provider and the respective failed transaction can no longer be contested.
9.1 Force Majeure shall release the Service Provider from any liability for damages or other obligations related to the Exchange Service if Force Majeure prevents or unreasonably hinders the performance of the Exchange Service. Force Majeure shall be considered to include fire, earthquake, flood, explosion, strike or other work stoppage, order of an authority, power outage, shortage of raw materials or supplies, third-party cable interruption, telecommunications interruption or similar disruption, and any similar cause that was not known and could not reasonably have been foreseen. The Service Provider shall notify of Force Majeure on the Exchange Service website, as well as note it in a visible place on the Crypto-ATM itself or otherwise immediately upon its occurrence or when reasonably possible.
10.1 These General Terms and Conditions apply to all Exchange Services provided by the Service Provider, unless otherwise agreed in writing between the parties.
10.2 The service provider has the right to amend these General Terms and Conditions and all terms applicable to the Exchange Service.
10.3 The service provider has the right to unilaterally amend the terms of this agreement by notifying the Client in writing or by any other means through the Cryptomat and/or the Service Provider's website (in connection with the General Terms and Conditions or in connection with amendments to the General Terms and Conditions). Amendments take effect immediately. By continuing to use the Exchange Service, the Client accepts the amended terms and undertakes to comply with them.
10.4 If the Client wishes to terminate the current agreement, a statement should be sent to the Service Provider at their email address: support@digitalassist.bg.
There are no fees for terminating the agreement, but from the date of termination, the Client will not be able to use the Exchange Services and the Cryptomats.
11.1 The client is not entitled to transfer the right to use the Exchange Service or any agreement concluded regarding the Service to a third party.
11.2 The service provider has the right to transfer the Exchange Service or its maintenance, as well as the related responsibilities and obligations, and any contract concluded regarding the Exchange Service, to another company belonging to the same group.
12.1 The service provider applies the rules for protection against unfair commercial practices.
12.2 Customers can submit reports/complaints at: support@digitalassist.bg. Detailed information on how we handle your reports/complaints can be found in the Complaints Handling Policy. If you encounter any problems or have questions, you can contact us at:
12.2.1 Customer service phone number, with operating hours from 9:00 AM to 6:00 PM on weekdays: +359886886844, or on support@digitalassist.bg;
12.3 The client has the right to contact the Commission for Consumer Protection at: Vrabcha St. 1, floors 3-5, Sofia 1000, phone: 02 9330565, fax: 02 9884218, e-mail: info@kzp.bg.
12.4 The client has the right to lodge a complaint with the Financial Supervision Commission online at https://www.fsc.bg/za-potrebitelya/zhalbi/, via email: delovodstvo@fsc.bg, by mail or in person at: 16 Budapest St., Sofia.
13.1 Personal data is processed in accordance with Regulation (EU) 2016/679 (GDPR).
13.2 Detailed information is contained in the Privacy Policy.
14.1 For all unresolved issues, Bulgarian law shall apply. Disputes shall be settled by the competent Bulgarian court in Sofia.