# Welcome to WELF INTRODUCING WELF: A FAIRER FINANCIAL ECOSYSTEM Welf is revolutionizing the traditional financial system, addressing a key issue where banks and financial institutions generate significant profits from customer deposits, often without providing fair returns to the depositors. This imbalance is particularly evident with idle or dormant cash, which typically yields negligible returns for the account holder but serves as a substantial revenue source for the institution. This problem also extends to stable coins, where issuers reap considerable profits from investments in Treasury Bonds and other financial instruments, while the coin holders, who bear the risks, see none of these gains. Welf is set to change this dynamic. Our mission is to realign financial incentives, ensuring that the value generated from every unit of currency is shared fairly with its rightful owner. Utilizing cutting-edge blockchain technology, Welf creates a transparent, efficient, and equitable financial model. This empowers individuals and businesses to retain the yields their assets generate, promoting a fairer and more inclusive financial landscape. By joining Welf, you're not just managing your finances—you're part of a movement towards a more transparent and just financial ecosystem. ### Trust & Security When dealing with money, trust and security are paramount. In the world of crypto, these concerns are even more pronounced. At Welf, we understand the importance of maintaining your trust and ensuring the security of your funds. That’s why we adhere to best-in-class market practices and commit to using the highest standards in everything we do. ### WELF Protocol Platform? WELF offers an all in one investment platform to bridge modern finance with traditional finance. ### Product Structuring Welf exclusively utilizes traditional financial products, such as Actively Managed Certificates (AMC). These products are meticulously structured and issued in collaboration with well-known partners and service providers recognized as specialists in this field. They operate within well-established financial systems and adhere to recognized regulations, ensuring a solid, trustworthy foundation that provides security and reliability for our customers. ### WELF Tokenization General Description - details and other products on page ### Fees & Taxes The platform will earn revenue due the following: * **Minting Fees** * **Royalties** * **Redemption Fees** ### Onboarding and KYC The objective of KYC guidelines is to prevent banks from being used, by criminal elements for money laundering activities. It also enables to understand our customers and their financial dealing. Further information at the page - [Onboarding and KYC](/onboarding-and-kyc). ### Risks Trading of cryptocurrencies has potential rewards and risks involved. Trading is not suitable for all people. Anyone wishing to invest should seek their own independent professional financial advice. Further information at the page - [Assumption of risks](/usdwelf-terms-of-service/assumption-of-risks). ### Legal We must comply with Applicable Law, which may require us to, upon request by government agencies, take certain actions or provide information, which may not be in your best interests and which may occur without notice to you. Further information at the page - [Legal](/usdwelf-terms-of-service/legal). ### Our Partners In traditional finance (TradFi), establishing and managing funds necessitates the involvement of multiple parties, such as asset managers, custodians, fund administrators, counterparties, and legal professionals. The complexity increases in on-chain finance, particularly when integrating on-chain capital with off-chain assets, involving an even larger network of participants. To ensure the highest level of partnerships and services, Welf exclusively collaborates with prime partners who are carefully selected and continually evaluated. This ongoing assessment guarantees that we maintain exceptional standards in all our financial operations. ### Contact E-mail : . ### Disclaimers We highly recommend that customers and investors carefully read the disclaimers and take notice of the information provided therein. # Trust & Security Welf's commitment to Best Practices Your trust and security are at the core of everything we do, and we are dedicated to maintaining the highest standards in the industry to protect your assets. We want to highlight a few of the many ways we are dedicated to maintaining your trust and the security of your assets: * **Robust Regulatory Compliance** At Welf, we work exclusively with traditional financial products, such as Actively Managed Certificates (AMC). These products are meticulously structured within well-established financial systems and are governed by recognized regulations. This means they are built on a solid, trustworthy foundation that ensures security and reliability for our customers. By adhering to stringent regulatory standards, we provide you with the peace of mind that your investments are managed within a safe and compliant framework. * **Trusted Partnerships** Our financial products are issued in collaboration with well-known partners and service providers who are specialists in the field. These partners are recognized for their expertise and reliability, bringing a high level of professionalism and assurance to the table. By working with industry-leading partners, we ensure that our products are of the highest quality and that your assets are managed by experts who prioritize your financial well-being. * **Advanced Security Protocols** Welf employs cutting-edge blockchain technology to create a transparent, efficient, and secure financial model. Blockchain technology provides a robust and tamper-proof ledger of all transactions, enhancing transparency and reducing the risk of fraud. Our advanced security protocols include encryption, multi-factor authentication, and continuous monitoring to protect your assets from cyber threats. By leveraging these technologies, we ensure that your funds are safeguarded with the highest level of security available. * **Transparency and Fairness** At Welf, we are committed to realigning financial incentives to ensure that the value generated from every unit of currency is shared fairly with its rightful owner. We believe in transparency and fairness, ensuring that you receive the benefits your assets generate. Our financial model is designed to distribute returns equitably, fostering a fairer and more inclusive financial landscape. By prioritizing transparency, we help you make informed decisions and trust that your investments are working for you. # WELF Protocol Platform WELF offers an all in one investment platform to bridge modern finance with traditional finance. ***Problem Statement*** Welf addresses the challenge of achieving competitive yields without sacrificing liquidity or navigating complex investment vehicles. High net worth individuals and businesses often face a common challenge when seeking to optimize their dormant cash reserves - achieving attractive yields typically requires sacrificing liquidity or navigating complex investment structures. Traditional options often lead to locked-up funds, opaque valuation mechanisms, and intricate fee structures, making it difficult to effectively grow wealth while maintaining control and accessibility. Consequently, many are unable to fully capitalize on the potential of their idle assets. Welf revolutionizes this paradigm, combining competitive returns with near-instant liquidity. By harnessing blockchain technology and tokenized real-world assets, Welf enables you to grow your wealth on your own terms, without sacrificing accessibility or navigating convoluted investment products. Our innovative offerings, backed by tokenized assets like government bonds, Bitcoin ETFs, gold, silver, and funds, provide a transparent and efficient way to optimize idle cash reserves. ***Mission:*** To innovate wealth management by transforming dormant cash into liquid, yielding assets. Leveraging the power of blockchain technology. Welf empowers high net worth individuals and businesses to maximize the potential of their dormant cash. By leveraging tokenized real-world assets, our innovative platform transforms idle funds into liquid, yield-generating investments. We seamlessly integrate traditional finance with the digital economy, providing a transparent, efficient, and user-friendly experience that enables our clients to grow their wealth on their own terms. ***Vision:*** Envisioning a world where all cash sparks into liquid yield, accessible to everyone. # WELF Product Structuring Discover the way our products work ### Actively Managed Certificates (AMC) Actively Managed Certificates (AMCs) are structured products designed to provide a flexible investment vehicle managed on a discretionary basis according to a specific investment strategy. Issued by a Special Purpose Vehicle, AMCs comprise a portfolio of underlying assets, including liquid securities, bonds, funds, shares, derivatives, and currencies. The issuer either implements its investment strategy or adopts one proposed by an AMC Advisor, who can compose and restructure the underlying asset as needed within the framework of the investment strategy. The performance of an AMC is tied to the AMC Advisor's ability to implement the investment strategy synthetically. To ensure transparency, investors must be fully informed about the investment strategy, its implementation, and associated costs through the product documentation. AMCs address various challenges associated with traditional investment funds for both managers and investors. They benefit from the credibility of on-balance sheet issuers, regardless of the investment objective, while the off-balance AMC wrapper allows managers to offer alternative strategies linked to non-bankable assets, such as cryptocurrencies, that are unsuitable for traditional collective investment schemes. These certificates offer significant advantages, including fast time to market, flexibility in strategy development, and cost-efficiency compared to other investment vehicles. The asset manager can actively select individual notional strategy components, and the strategy's performance is tracked by calculating the value of a synthetic strategy-basket or tailor-made index. Unlike many structured products with fixed asset compositions, AMCs are dynamic, allowing the strategy manager to adjust the composition as needed within the pre-defined investment universe to achieve investment goals. This adaptability makes AMCs excellent vehicles for active management, enabling quick responses to market changes and strategic adjustments.

For information purpose only

**AMC Partners** Name the one's for AMCs # WELF Yield #### WELFYield The WelfYield Index consolidates the top-performing government-backed money market products from renowned firms like Vanguard, BlackRock, and Fidelity. By investing in a single product, the WelfYield Index, investors gain diversified exposure to high-quality offerings, maximizing risk management and delivering competitive yields. Our issuance entity offers Actively Managed Certificates (AMCs) that track the WelfYield Index. AMCs combine professional portfolio management with the flexibility of a certificate. The AMC is tokenized and available on the WELF Platform or through traditional banking channels. The AMC and WelfYield Index have unique ISIN numbers and Bloomberg tickers, ensuring seamless integration with existing financial infrastructure. Our investment team actively manages the AMC, employing strategic allocation and periodic rebalancing to optimize returns and mitigate risk.
# WELF Value COMING SOON # WELF Tokenization ### WELF Token Basics General ### The WELF Tokens General Intro ### How it works Explain in detail **Subscription** Different steps? **Step 1: Deposits** After completing the onboarding process, you can deposit funds into your WELF account using one of the following methods: (a) **FIAT via Wire Transfer**: When you choose to deposit funds via wire transfer, your subscription is considered 'made' on the date we receive the wire transfer. This date will be referred to as your Closing Date. (b) **USDC via Web Interface**: If you choose to deposit funds in USDC, our web interface will guide you to send USDC to a designated address controlled by WELF. Your Closing Date for this transaction will be the day we convert the USDC into USD and initiate the wire transfer to our primary bank account, typically within one Business Day. (c) **USDT via Direct Transfer**: For USDT deposits, you will transfer the stablecoin directly to an address controlled by WELF. Similarly, your Closing Date for this transaction will be the day we convert the USDT into USD and initiate the wire transfer to our primary bank account, usually within one Business Day. 1. Cohort Assignement 2. Certificate Generation 3. Token Minting & Claiming #### Redemption Different steps? 1. Redemption Request 2. Redemption Fulfillment #### Secondary Markets & Transfers Text #### WELFYield Description #### WELF... Description # WELF Ecosystem Welf is our main brand, offering products like WelfYield and WelfValue, as well as future Welf products, directly engaging customers with innovative wealth management solutions. **WELF Finance** Borrowing & Lending + Additional Banking services Welf Finance provides liquidity solutions, enabling borrowing and lending against Welf's tokenized assets, facilitating seamless financial transactions within the ecosystem. **Welf Foundation** The Welf Foundation, governed by the Welf DAO, overseas the protocol decisions, token issuance, and ecosystem governance, ensuring strategic coherence and financial stability. # WELF Utility Token $WELF is the native utility token of the WELF ecosystem. It plays a crucial role in transforming dormant cash into liquid, yield-generating assets. Serving multiple essential functions, $WELF facilitates transactions, enhances user engagement, and supports governance within the platform. As the cornerstone of the ecosystem, all operations and business models are built upon the $WELF token, driving innovation in wealth management and investment. # Tokenomics Token Name: WELF Token Type: ERC20 Maximum Supply: 50,000,000.00 WELF tokens Total Supply: 49,999,000.00 WELF tokens Burned: 1,000.00 WELF tokens
CategoryToken AmountPriceTGEVestingMTH
Seed5,555,555.56$0.275%Starts 2 months after listing, 18 months vesting with daily interval5.28%
Strategic/KOL1,666,666.67$0.3010%Starts 1 month after listing, 12 months vesting with daily interval7.50%
Public972,222.22$0.3630%Starts 0 months after listing, 3 months vesting with daily interval16.67%
Ecosystem Growth9,500,000.00-0%Starts 6 months after listing, 36 months vesting with daily interval2.78%
Protocol Development9,500,000.00-0%Starts 3 months after listing, 48 months vesting with daily interval2.08%
Treasury7,000,000.00-0%Starts 12 months after listing, 36 months vesting with daily interval2.78%
Liquidity10,500,000.00-20%Starts 0 months after listing, 12 months vesting with daily interval6.67%
Community6,138,888.89-10%Starts 0 months after listing, 48 months vesting with daily interval1.88%
# Utilities / Economics The WELF token offers a variety of utilities designed to enhance ecosystem participation and value creation within the platform: * **Governance (WELF DAO):** Token holders have governance rights through the WELF DAO, allowing them to participate in key decision-making processes. * **Minting Fees:** Fees are applied when stablecoins and tokenized assets are minted. * **Royalties:** Transaction fees are generated each time stablecoins and tokenized products are transferred. * **Redemption Fees:** When redeeming stablecoins or tokenized assets back into cash, redemption fees are applied. * **Loan Protocol (Borrowing & Lending):** Fees are incurred at loan initiation, throughout the loan lifecycle (including interest payments), and upon settlement or liquidation. These utilities create multiple interaction points within the WELF ecosystem, supporting governance, transaction functionality, and a sustainable economic model. # WELF Engine The WELF Engine establishes the first operational framework connecting WELF’s real-world \ financial and advisory services to verifiable on-chain interaction data. The $WELF token operates under a fixed supply of 50 million tokens, capped immutably. \ Following a controlled burn of 1,000 tokens in February 2025, the total supply stands at \ 49,999,000 $WELF. This permanent cap ensures a non-inflationary and usage-aligned token \ structure, where token activity reflects real platform engagement rather than speculative \ volume.
### The V0 Limitation Before the WELF Engine, the $WELF token functioned largely independently from WELF’s operational ecosystem.\\ \ Although the broader platform offered access to Actively Managed Certificates (AMCs), Exchange Traded Instruments (ETIs), and structured advisory solutions, $WELF activity remained driven by secondary-market behavior rather than platform usage. This separation resulted in a system where: * On-chain activity was disconnected from real utility. * No feedback loop linking advisory, investment, or issuance activities to on-chain records. * A divergence between platform \ adoption and on-chain activity. The WELF Engine corrects this by establishing a direct, measurable link between service utilization across WELF Solutions and on-chain ecosystem participation. ### Introducing *WELF Engine* **The On-Chain Activity Ledger**\ \ The WELF Engine is the core innovation of the WELF Ecosystem, a standardized framework that translates verified operational activity into transparent on-chain records. It does not tokenize client payments or distribute financial returns. Instead, it provides a structured, auditable bridge between real-world service engagement and token ecosystem analytics. #### Mechanism of Operation 1. **Service Generation:** WELF Solutions and affiliated verticals generate measurable activity through: residency and citizenship advisory, tax and wealth structuring, corporate formation and asset protection. 2. **Activity Mapping:** Each verified engagement is mapped into the WELF Engine, recorded as a non-financial on-chain event that signifies authenticated platform usage. 3. **On-Chain Recording:** Transactions are immutably logged, with aggregated data visualized via a publicly transparant Dune dashboard, showing system-level metrics without disclosing client information.
#### Core Principles 1. **Transparency & Traceability:** Every event is recorded and auditable without exposing confidential data. 2. **Neutral Accounting:** No financial redistribution or yield mechanism. Records serve as activity proof only. 3. **Scalable Structure:** The Engine's parameters are standardized for expansion to future WELF verticals (Alpha, Flow, Yield) ### Governance & Parameter Control The WELF Foundation acts as administrator of the WELF Engine, ensuring methodological integrity, compliance oversight, and technical consistency.\\ \ It does not hold or redistribute revenues; it governs the ruleset that defines how activity is logged and made publicly verifiable. #### Foundation responsibilities include: * **Interaction Cadence -** determining when platform activity is recorded on-chain. * **System Calibration -** validating data accuracy and preventing double-counting of engagement. * **Transparency Framework -** defining public dashboards and reporting standards. The governance model is structured to progress toward community-based oversight as the ecosystem matures. ### Strategic Expansion Through *WELF Solutions* WELF Solutions is the first business unit to integrate the WELF Engine. Its real-world advisory activities, including residency and citizenship programs, tax planning, and corporate services, now feed into the on-chain recording layer.\\ \ This creates a tangible bridge between real-world client activity and ecosystem data.\\ \ Each new client engagement or advisory service execution expands the WELF Engine dataset, providing verifiable metrics of ecosystem adoption without altering financial flows or custody. #### WELF Solutions Integration
### Why WELF Engine Matters 1. **Functional Participation:** On-chain activity now closely mirrors authentic service usage, rather than being solely driven by market speculation. 2. **Transparent Operations:** Every recorded event is visible on-chain through aggregate dashboards, replacing off-chain manual reporting. 3. **Institutional Readiness:** WELF's operational metrics become publicly auditable in real time, supporting partnerships with regulated entities and institutional counterparties. ### In Conclusion The WELF Engine positions WELF as a transparent, usage-aligned ecosystem linking its advisory, structuring, and financial services to verifiable on-chain activity.\\ \ Creating a continuous feedback loop beta without introducing any financial redistribution or profit-expectation mechanisms.\\ \ As the adoption of WELF Solutions and related products expands, so does the visibility of ecosystem engagement, establishing a foundation for future iterations that may include automated reporting and progressive governance participation. **Status:** Active — WELF Engine \ **Next Iteration:** Governance Automation and Cross-Vertical Integration (V2 Roadmap) # Custom DApp As part of the WELF token ecosystem, presale holders have access to a unique feature within our custom DApp, enabling them to manage their holdings with ease. This feature allows presale participants to submit sell orders directly through our DApp, facilitating efficient, secure transactions. #### How It Works * **Sell Order Submission:** Presale holders can submit sell orders through our dedicated DApp interface, specifically designed for ease of use. * **Automated Token Liquidation:** Upon submission, tokens are automatically liquidated by the system, handling the entire process seamlessly. * **Proceeds Distribution:** After liquidation, the resulting proceeds are automatically sent to the holder's wallet, ensuring prompt delivery and easy access to funds. # Staking Stake your WELF tokens to actively support our mission of transforming wealth management. By staking, you help drive the WELF ecosystem forward, enhancing liquidity and stability for everyone involved. In return for your commitment, you earn rewards, turning your staked tokens into a productive asset. Join us in leveraging blockchain technology to transform dormant cash into liquid, yield-generating assets and be part of a movement that’s redefining wealth management. # How to Stake $WELF? Staking $WELF tokens is a great way to earn rewards while supporting the WELF ecosystem. Follow this guide to start staking: ### Step 1: Visit the Official Staking Dashboard Visit the official WELF staking dashboard to begin your staking journey. ### Step 2: Connect Your Wallet Click ‘Connect Wallet’ to link your MetaMask or other compatible wallet to the staking platform. Ensure that the dashboard accurately reflects your $WELF token holdings. ### Step 3: Choose Your Staking Pool Explore the three available staking pools: * **Short-term** * **Mid-term** * **Long-term** Each pool offers varying **Annual Percentage Yields (APY)** and lock-up durations. The longer you commit, the higher your APY. {% hint style="info" %} Review the lock duration and the associated penalties for early withdrawal before proceeding. {% endhint %} ### Step 4: Set Your Staking Preferences * Specify the amount of $WELF you want to stake. * Set a **spending cap** for the transaction. * Confirm your staking request and be prepared to pay gas fees for the Ethereum transaction. Once confirmed, you’ll see a **deposit success message** showing the staked amount and promised APY. The dashboard will update to reflect your staked tokens and the **Total Value Locked (TVL)** in the pool. ### Step 5: Claim Your Rewards After the staking period ends, you can claim your rewards, which will be added to your portfolio. Ensure the lock timer has fully elapsed to withdraw without penalties. *** Additional Tips and Considerations: * **Early Withdrawal Penalty:** The penalty decreases linearly the longer you stay in the staking pool. * **Individual Transactions:** Each staking transaction is treated independently, with its own penalty structure. * **Multiple Pools:** Staking in different pools won’t affect the timer or penalties of other pools. * **Track Your Portfolio:** Use the dashboard to monitor your staking rewards and overall progress. * **Gas Fees:** Every transaction on the Ethereum network requires gas fees, so plan accordingly. By following these steps, you’ll maximize the benefits of staking your $WELF tokens while contributing to the growth of the WELF ecosystem. # How to Claim Staking Rewards? We will guide you how to claim your $WELF staking rewards on the Official WELF Token Dashboard. The WELF Token Dashboard empowers users to engage actively within the WELF ecosystem by staking tokens and claiming rewards through our Staking Program. Follow these simple steps to claim your rewards: ### Step 1: Connect your wallet Click on ‘Connect Wallet’ at the top-right corner to link your MetaMask wallet to the DApp. Once connected, you’ll see your personalized Dashboard reflecting your $WELF holdings in the staking pools. ### Step 2: Click on "Claim now" Navigate to the bottom-right panel of your Dashboard, where you’ll find your Rewards to Claim. Click ‘Claim Now’ to open the Token Claims Dialogue box. ### Step 3: Claim your Tokens The dialogue box will display your eligible rewards. Review the details and click ‘Claim Now’ to proceed. ### Step 4: Approve via MetaMask To finalize the claim, approve the transaction on the Ethereum blockchain. A MetaMask notification will appear—simply confirm the transaction to complete the process. {% hint style="info" %} *Note: Each claim will incur gas fees for using the Ethereum network.* {% endhint %} ### Step 5: Congratulations! You’ve successfully claimed your staking rewards. # Audit Our smart contracts have undergone a successful audit by Zokyo. You can view the full audit report via the link below: # Addresses ### Wallets
NameContract AddressSource
Deployer Wallet0xfe4Ca0CB00E561d6ee97D5679c565Cc6ccb54EBeEtherscan
### Vesting Contracts
NameContract AddressSource
Seed0xEda93bbe6530D7d0728425f8E3EEcC9E04C16c3FEtherscan
Strategic/KOL0x274e3FD298ef36BdfB9229Fb837e955eCe578299Etherscan
Public Polkastarter0x3Ed980DE0185f0ee8846461767883886e51d7dA1Etherscan
Public Ape Terminal0x78b0181f120d0cf7c09C23492d236899741168c6Etherscan
Public0x81650bA88b011805223a3f1753eDc7844b08EEb0Etherscan
Ecosystem Growth0x36a70bA0Cb8cC6F449D1D2E7c15d3b2D689ea276Etherscan
Protocol Development0xdea5E70461CF53D32437dcf0cd77760Ddb15E1C4Etherscan
Treasury0xc78D1608613D3D677774d9A3a2Da726C209875cdEtherscan
Liquidity0x175A7EeFaEFe29946Ac9B8552E2B8d29486B7a02Etherscan
Community0xBEb9571ee4AbA83875D7a77389633B825C4B2CdfEtherscan
# Events
EventDateTransactionSource
1,000.00 tokens burnedFebruary 12, 2025EtherscanX
# Fees & Taxes The platform will earn revenue due the following: * **Minting Fees**\ Collected during the minting of stablecoins and tokenized products. * **Royalties**\ Earned when transferring stables and tokenized products. * **Redemption Fees**\ Charged when stables (tokenized products) are redeemed for cash. * **Loan initiation/lifecycle/settlement (borrowing & lending protocol)**\ Loan Initiation: Revenue generated when a loan is initiated. \ Lifecycle Maintenance: Fees collected for maintaining loans during their lifecycle. \ Loan Settlement: Charged at the time of loan settlement. \ Interest Payments: Revenue from interest paid on loans. \ Default/Liquidation: Fees incurred during defaults or liquidation events. ### ***Taxes*** #### How are investments in the products of WELF taxed? Investors will need to consider their local tax laws to determine how to account for the return generated from WELF Products. In all cases, consult your tax advisor to help you answer specific questions regarding how tax laws apply to you and/or your business. # Onboarding and KYC The objective of KYC guidelines is to prevent banks from being used, by criminal elements for money laundering activities. It also enables to understand our customers and their financial dealing. ### Follow these steps to successfully complete your KYC process. Step 1: After logging in to your Welf.com account, to initiate the KYC, please click “start KYC” at the top of the Dashboard page. You will be forwarded to a new page from our verification partner Sumsub. Step 2: To prepare for this process, please prepare the following: * A mobile phone with up-to-date software. * A valid ID card, passport, or driver's license. * Upload proof of address (no screenshots), not older than 3 months, with your full name stated on it, and must be one of the following document types: * Correspondence with an acknowledged government agency * Bank statement (day/week/month/year overview) * Credit card statement (day/week/month/year overview) * Utility bills linked to your address: e.g. gas, water, electricity, or internet bill. Step 3: After you’ve completed Sumsub’s verification procedure you will be informed on whether your KYC was successful or not. In case you are not approved due to your proof of address, please take a look at [this article](/onboarding-and-kyc/how-to-verify-my-poa-proof-of-address) for potential reasons and solutions.The verification process typically takes around 5 minutes to complete. Step 4: After finalizing the KYC process on Sumsub, you will be directed back to the Welf.com dashboard. You will also receive an email informing you about the outcome of your KYC process. # How to verify my POA (Proof-Of-Address)? ### As part of our KYC procedure, you are required to upload a Proof Of Address. The Proof of Address document should not be more than 3 months old, should clearly display your full name, and must be one of the accepted document types. Upload your Proof-Of-Address, which should not older than 3 months, with your full name stated on it. It must be one of the following document types: * Bank or credit card statement; * Non-mobile utility bills e.g., electricity, water, gas. * Non-mobile (fibre) internet bill; * Non-mobile (landline) telephone bill; * Certificate of residence from the local government; * Building management statements; * Bank reference letter - stamped and/or signed; * Tax statement; * Government issued student grants/loans to a current residential address; * Letter from tax/government authority. * Letter from university confirming student attends university and residential address; * Student rental agreement from university; * Mortgage statement; * Home insurance statement; * Government issued national ID containing residential address (cannot be the same document used for identification verification). ID documents can be older than 3 months Please be aware that screenshots or partial photographs of the document or the envelope will not be accepted. # $WELF Terms of Service We reserve the right, in our sole discretion, to modify these Terms from time to time. If we make changes, we will provide you with notice of such changes, such as by providing notice through the Services or updating the "Last Updated" date at the top of these Terms. Unless we state otherwise in our notice, all such modifications are effective immediately, and your continued use of the Site and the Services after we provide that notice will confirm your acceptance of the changes. If you do not agree to the amended Terms, then you must stop using the Site and the Services. ## Assumption of Risks * Trading of cryptocurrencies has potential rewards and risks involved. Trading is not suitable for all people. Anyone wishing to invest should seek their own independent professional financial advice. * Don’t invest unless you’re prepared to lose all your money invested. Crypto assets are a high-risk investment. You could lose all the money you invest and are unlikely to be protected if something goes wrong. You should think carefully about whether dealing in crypto assets is suitable for you considering your financial situation and risk appetite. * We do not advise on dealing in crypto assets. So long as we act in good faith, we are not responsible for any of the risks described below. Please read the below carefully and contact us if you have any questions. Please note that we cannot provide tax or financial advice in relation to our services. * By using Welf or engaging with the associated platform, you acknowledge the inherent risks of cryptographic systems and blockchain networks. * WELF Tokens operate within decentralized networks like Ethereum, and their functionality and security aren't guaranteed. You're solely responsible for securing your private keys, as losing them means permanent loss of access to your digital assets. Neither Welf nor any other person or entity will be able to retrieve or protect your Digital Assets. If your private key(s) are lost, then you will not be able to transfer your Digital Assets to any other blockchain address or wallet. If this occurs, then you will not be able to realize any value or utility from the Digital Assets that you may hold. * Regulatory actions may affect the availability of the usage of WELF Tokens, and technological advancements could pose risks to their security. * The Ethereum blockchain and other networks are still evolving, introducing technological and security risks. Transaction costs and network fees may vary, impacting the value of WELF Tokens and transactions. * The accuracy of information provided isn't guaranteed, and you should verify it independently. Using WELF Tokens involves financial risk, and transactions are irreversible. * You must assess the risks independently and accept the consequences of your actions. Compliance with applicable laws may require disclosing information without notice. * Developmental stages of the WELF Token platform may cause delays or errors in transactions. * We must comply with Applicable Law, which may require us to, upon request by government agencies, take certain actions or provide information, which may not be in your best interests and which may occur without notice to you. * Regarding Welf, you must acknowledge that the platform may have flaws, and you're responsible for evaluating any provided code. We don't have an ongoing duty to alert you to all potential risks. While we strive for accuracy, information on the site may not always be complete or current. You should verify all information before making decisions, as they are solely your responsibility. Pricing information may vary and should be independently verified.[​](https://docs.ondo.finance/legal/terms-of-service#7-proprietary-rights) #### **Proprietary Rights** Any of our product or service names, logos, and other marks used on our website or as a part of the Services, including Welf's name and logo are trademarks owned by Welf, its affiliates, or its applicable licensors. You may not copy, imitate, or use them without the prior written consent of Welf or the applicable licensors, and these terms do not grant you any rights in those trademarks. You may not remove, obscure, or alter any legal notices displayed in or along with the Services. **Privacy Policy** You agree that the Company may collect, process and use personal data about you according to the Privacy Policy , which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate. # Assumption of Risks * Trading of cryptocurrencies has potential rewards and risks involved. Trading is not suitable for all people. Anyone wishing to invest should seek their own independent professional financial advice. * Don’t invest unless you’re prepared to lose all your money invested. Crypto assets are a high-risk investment. You could lose all the money you invest and are unlikely to be protected if something goes wrong. You should think carefully about whether dealing in crypto assets is suitable for you considering your financial situation and risk appetite. * We do not advise on dealing in crypto assets. So long as we act in good faith, we are not responsible for any of the risks described below. Please read the below carefully and contact us if you have any questions. Please note that we cannot provide tax or financial advice in relation to our services. * By using Welf or engaging with the associated platform, you acknowledge the inherent risks of cryptographic systems and blockchain networks. * WELF Tokens operate within decentralized networks like Ethereum, and their functionality and security aren't guaranteed. You're solely responsible for securing your private keys, as losing them means permanent loss of access to your digital assets. Neither WELF nor any other person or entity will be able to retrieve or protect your Digital Assets. If your private key(s) are lost, then you will not be able to transfer your Digital Assets to any other blockchain address or wallet. If this occurs, then you will not be able to realize any value or utility from the Digital Assets that you may hold. * Regulatory actions may affect the availability of the usage of WELF Tokens, and technological advancements could pose risks to their security. * The Ethereum blockchain and other networks are still evolving, introducing technological and security risks. Transaction costs and network fees may vary, impacting the value of WELF Tokens and transactions. * The accuracy of information provided isn't guaranteed, and you should verify it independently. Using WELF Tokens involves financial risk, and transactions are irreversible. * You must assess the risks independently and accept the consequences of your actions. Compliance with applicable laws may require disclosing information without notice. * Developmental stages of the WELF Token platform may cause delays or errors in transactions. * Regarding WELF, you must acknowledge that the platform may have flaws, and you're responsible for evaluating any provided code. We don't have an ongoing duty to alert you to all potential risks. While we strive for accuracy, information on the site may not always be complete or current. You should verify all information before making decisions, as they are solely your responsibility. Pricing information may vary and should be independently verified. # Disclaimers ## General The content provided herein serves solely for general informational purposes. It is imperative to understand that no material on this platform should be interpreted as an offer to sell or a solicitation of an offer to purchase any security, future, or other financial product or instrument. This includes any interest in any investment product sponsored or managed by WELF or any of its affiliates, as well as any investment advisory services offered by WELF or its affiliates. Any such offer or solicitation will exclusively be conducted through the appropriate confidential offering memorandum of each investment product or relevant document. These offerings will only occur in jurisdictions where such actions are lawful and solely to individuals meeting the investor suitability and sophistication requirements determined by WELF in its sole and absolute discretion. It's important to note that this platform does not aim to provide investment, financial, legal, regulatory, accounting, tax, or similar advice. Nothing presented here should be construed as a recommendation, either by WELF, its affiliates, or any third party, to acquire or dispose of any investment or security, or to engage in any investment strategy or transaction. For guidance tailored to your specific situation and decisions, it's advisable to consult your own investment, legal, tax, and/or similar professionals. ## Investment Strategy The depiction provided regarding the approach of various interest classes offered by WELF and the targeted attributes of the investment product's strategies and investments are formulated on current expectations. However, it's crucial to understand that these descriptions are not conclusive or indicative of a guarantee that the approaches, strategies, and investment portfolio will definitively possess these attributes. Similarly, the portrayal of risk management strategies is based on current expectations and should not be viewed as conclusive or a guarantee that such strategies will fully mitigate all risks. These descriptions are based on information available as of the date of this document's preparation and may evolve over time. Past performance of these strategies does not necessarily forecast future results. It's important to acknowledge the possibility of loss, as all investments entail risk, including the potential loss of principal. ## Performance Results The performance outcomes of the investment products and their underlying holdings exclusively reflect the results of the respective product and their underlying holdings. They do not portray the performance outcomes of any classes of interests offered by WELF. These products performance results are provided for informational purposes only. It's important to note that there is no assurance that investors in the investment products will achieve profits or losses comparable to those demonstrated by underlying assets. Performance of individual investors in the products may vary due to differences in management fees, incentive allocation arrangements, and the timing of contributions and withdrawals. Historical performance results of the underlying assets are provided, but they should not be considered indicative of future performance. Investors should be mindful of the possibility of investment losses. This presentation does not guarantee or predict a similar outcome for any future investment. The Investment Manager does not make any implications, warranties, promises, suggestions, or guarantees whatsoever, either wholly or partially, regarding the likelihood of experiencing similar investment results or earning any profits by participating in any investment with WELF. # Legal Terms & Conditions + US restriction We reserve the right, in our sole discretion, to modify these Terms from time to time. If we make changes, we will provide you with notice of such changes, such as by providing notice through the Services or updating the "Last Updated" date at the top of these Terms. Unless we state otherwise in our notice, all such modifications are effective immediately, and your continued use of the Site and the Services after we provide that notice will confirm your acceptance of the changes. If you do not agree to the amended Terms, then you must stop using the Site and the Services. We must comply with Applicable Law, which may require us to, upon request by government agencies, take certain actions or provide information, which may not be in your best interests and which may occur without notice to you. # Privacy Policy At WELF, safeguarding your privacy isn’t just a legal checkbox—it’s a core value that guides every product decision we make. We combine bank-grade security, world-class compliance, and a people-first mindset to ensure that your personal information stays exactly that—personal. ## Our Promise #### Data Portability We tell you who we are, what data we collect, why we need it, and who we share it with— no hidden clauses. #### Your Rights, Front & Centre We tell you who we are, what data we collect, why we need it, and who we share it with— no hidden clauses. #### Security by Design Our infrastructure is built with zero-trust protocols, end-to-end encryption, and strict access controls. Every employee and partner signs strict NDAs and DPAs and passes rigorous background checks. #### Global Compliance, One Standard We follow the toughest rules on the planet—GDPR, UK GDPR, DIFC/ADGM, CCPA, PDPA, and more—so you enjoy the same high level of protection wherever you live. #### Direct Human Support Real privacy professionals (not bots) acknowledge every request within 72 hours. Our Data Protection Officer, Claude Luescher, is always just an email away at . **Read on to discover how our principles turn into everyday practices that respect your rights and protect your wealth.** *** WELF Privacy & Data Protection Policy Last updated: 8 April 2025 *** ## Who We Are \ WFH Technologies LLC, trading as WELF, is the data controller responsible for your personal data. \ **WFH Technologies LLC** \ Registered Address: One by Omniyat, Office 2504, Business Bay, Dubai, UAE\ Registration No: 2445118 \ **WFH Technologies LLC (Branch)**\ Registered Address: Oceania Business Plaza, Tower 1000, 21 st Floor, Office 21B, Punta Pacifica, Panama City, Panama \ Registration No: 155751153 \ For all services, WFH Technologies LLC acts as the Data Controller (or the equivalent “business”/“provider” under other laws). This means we decide why and how your personal data is processed—and we take that responsibility seriously. *** ## How to Reach Us #### For privacy-related matters, please contact: **Data Protection Officer:** Claude Luescher\ **Email:** \ **Address:** DPO, WFH Technologies LLC, One by Omniyat, Office 2504, Business Bay, Dubai, UAE We respond to privacy inquiries within 72 hours and resolve them within applicable legal timeframes (one month under GDPR, or 45 days under CCPA). *** ## What Does this Policy Cover \ Data laws differ worldwide. We apply the strictest standard applicable to give you uniform, highlevel protection, wherever you are. This Policy covers all websites, customer portals, mobile/desktop apps, APIs, and related services (collectively, “Services”) offered by WELF. It is crafted to comply with: * GDPR (EU/EEA & UK) * DIFC & ADGM Data Protection Regulations * Swiss FADP * CCPA/CPRA (California) * PIPEDA (Canada) * PDPA (Singapore) * Any stricter local rules where we operate. Where local law provides stronger protection, we follow that higher standard—never the lowest common denominator. *** ## External Links and Data Sharing \ Our platforms may include links to external websites that operate independently of WELF. While we aim to link only to trustworthy sources, we cannot be held responsible for their content, practices, or privacy policies. Always ensure the site is secure (look for the padlock in the URL bar). If in doubt, reach out to us before sharing any personal information. ## Automated Decision-Making At WELF, we do not rely solely on automated decision-making or profiling that significantly impacts you. Where technology is used to assess risk or eligibility, final decisions always include human oversight. Should this policy ever change, we will update you in advance. ## Marketing and Communication We respect your preferences when it comes to communication. If you choose not to receive marketing from WELF, you can opt out at any time using the unsubscribe link included in every message. ## Information We Collect We collect limited personal information—such as your name, contact details, device data, payment method, and on-site activity—to provide and improve our services. This data is collected with your consent, and you can withdraw that consent at any time. We never share personally identifiable information with third parties unless required by law or for contract enforcement. We apply robust safeguards to ensure your data is treated with the highest level of confidentiality and care. *** ## Data Collection We collect only what is essential and relevant to your engagement with us, under the Legal Basis of GDPR Art. 6:
 * Identification information, such as your full name, date of birth, national ID or passport number, and KYC documents. GDPR Art. 6: (b) Contract, (c) Legal obligation, (f) Legitimate interest * Contact information, including your email address, phone number, mailing address, and preferred language. GDPR Art. 6: (b) Contract, (f) Legitimate interest * Financial information, such as your bank account details, tokenized card data, and transaction history. GDPR Art. 6: (b) Contract, (c) Legal obligation * Professional information, including your job title, employer, and any relevant accreditations. GDPR Art. 6: (f) Legitimate interest * Usage and technical data, including your IP address, device identifiers, browser type, interaction logs, and cookies. GDPR Art. 6: (a) Consent, (f) Legitimate interest * Special category data, which we do not intentionally process, unless required for compliance (e.g., sanctions screening), in which case we rely on a lawful basis GDPR Art. 9 (2)(g) or (c). ## How We Collect Data Your data may come from:
 * Directly from you (forms, onboarding, KYC, support tickets) * Technical sources (via cookies, SDKs, server logs, and similar technologies ) * Verified third parties (Sumsub KYC, credit reference agencies, public registers) Each method is designed to be transparent and proportionate. ## Why We Process Your Data We process your personal data only for legitimate, clearly defined purposes, always with your trust and security in mind:

* To verify your identity and comply with AML/CFT regulations during account creation and onboarding. * To deliver, maintain, and improve our services, ensuring the platform operates seamlessly and evolves with your needs. * To process transactions, detect fraud, and handle payments, enabling secure and compliant financial operations. * To provide timely and effective customer support, responding to inquiries and resolving issues with care and efficiency. * To send relevant updates, product news, and offers, based on your preferences and with your prior consent. * To meet regulatory obligations and conduct audits, including legal reporting, dispute resolution, and risk assessments. * To protect the platform and your account through security measures, including access controls, monitoring, and incident response. * To enhance user experience through analytics, using performance data and behavioral insights—always anonymized where possible. At WELF, we never process your data without purpose, and we never sell it. Your trust is our most valuable asset. ## Cookies & Similar Technologies We use select cookies and tracking technologies to enhance your experience and improve our platform—never to exploit your data.
 * Meta Pixel is used to track conversions and optimize advertising performance, with data retained for 90 days and requiring your consent.
 * HubSpot enables CRM integration, chat functionality, and marketing automation, with data stored for up to 13 months and subject to your consent. * Google Analytics helps us understand how users interact with our platform (with IP anonymization enabled), retaining data for 26 months and requiring your consent. You can withdraw or manage your cookie preferences at any time via the Cookie Settings panel—no questions asked, no barriers added. ## Data Sharing Sharing is limited, transparent, and always under strict contracts to protect your data. 

* Group Companies & Affiliates – only those who need data to perform services. * Service Providers – HubSpot (CRM), Microsoft 365 E5, Azure IAM, SendGrid (email), Sumsub (KYC). All operate under DPAs with the latest Standard Contractual Clauses. * Regulated Counterparties – banks, payment processors. * Authorities – only when legally compelled. * Professional Advisers – auditors, lawyers, insurers under confidentiality. Every employee, contractor, and thirdparty partner signs a DPA and NDA and undergoes background checks. Privacy is baked into our supply chain. ## International Data Transfers Data sometimes travels globally. We ensure that, wherever it goes, it remains protected to EU equivalent standards. We rely on Adequacy Decisions, SCCs/IDTA, Binding Corporate Rules, and strong encryption. Supplementary technical measures prevent unauthorised access even under foreign laws. ## Data Security We protect your data like it’s our own: * Zero-trust architecture with Azure IAM & Conditional Access * Encryption: TLS 1.3 in transit, AES256 at rest * Network & application firewalls (WAF, DDoS mitigation) * 24/7 monitoring & SIEM * Annual penetration tests & DORA aligned incident response playbooks * Least privilege access enforced via RBAC * Mandatory staff training on GDPR, DORA, and security best practices. ## Data Retention We retain your personal data only for as long as necessary—no longer, no less—based on legal, regulatory, and operational requirements. * Identification and KYC data is retained for the lifetime of your account plus five years, to meet anti-money laundering, tax, and audit obligations. * Transaction and financial records are kept for the lifetime of your account plus five years, in accordance with regulatory standards. * Marketing preferences and related consent data are retained until you withdraw consent or for up to two years after your last interaction. * Technical logs are stored for up to two years to support platform security, performance monitoring, and analytics. * Data under legal hold is retained for as long as required to comply with investigations, litigation, or legal obligations. All deletions are executed using secure industry-standard methods, including cryptographic erasure or secure wipe. ## Automated Decision Making & Profiling At WELF, we do not rely solely on automated decision-making or profiling that significantly impacts you. Where technology is used to assess risk or eligibility, final decisions always include human oversight. Should this policy ever change, we will update you in advance. ## Your Rights, Clearly Explained **What are your rights?** You have full control over your personal data, and we are committed to making the exercise of your rights simple, respectful, and free of charge.
 * Access – You can request a copy of the personal data we hold about you at any time. * Rectification – You can correct or update any inaccurate or incomplete information. * Erasure – You may ask us to delete your data when it’s no longer needed or if you withdraw consent. * Restriction – You can request a pause on processing while a concern or dispute is under review. * Data Portability – You can receive your data in a structured, machine-readable format for reuse or transfer. * Object – You can object to data processing based on legitimate interests or for direct marketing purposes. * Withdraw Consent – You can withdraw your consent at any time, without penalty or disruption. * Complain – You may lodge a complaint with your local supervisory authority if you believe your rights have been violated. To exercise any of these rights, email us at or . We respond to all valid requests within the legal timeframe and always acknowledge them within 72 hours. ## Supervisory Authorities Independent regulators enforce your rights. You can escalate any concern to them at any time. Our lead authority for EU matters is the Commission nationale pour la protection des données (CNPD), Luxembourg. Contact details are available on the CNPD website. ## Children We do not knowingly collect data from individuals under 18. If we learn otherwise, we act immediately to delete the data. ## Changes to This Policy Laws and technologies evolve. We keep you informed so you can make ongoing, informed decisions. We will post any material changes at least 14 days before they take effect and notify registered users by email. Continued use after the effective date equals acceptance. *** ## Questions? If you have any questions, contact our Data Protection Officer at , or for privacy inquiries at 
This Privacy & Data Policy is part of our Terms and Conditions and Terms of Website Service. # WELF Terms of Service ## Terms of Use This website is operated by WELF Holding LLC FZ, the head entity of WELF (collectively, "WELF", "we", "us", or "our"), along with its subsidiaries, affiliated companies, and their respective directors, partners, officers, employees, or agents. WELF Holding LLC FZ is a private company registered with the Department of Economic Development – Dubai, United Arab Emirates, and the Ministry of Economy. ## Confidentiality & Communication All business communications sent by or on behalf of WELF are confidential and may be subject to copyright or classified as trade secrets. If you receive such communication in error, please inform us immediately and delete it from your system. You should not copy or disclose its contents. Be aware that emails sent to and from WELF may be monitored for security, business protection, and compliance with legal obligations. Please note that email is not a secure communication method and may be susceptible to interception or errors. ## Website Security You must not breach or attempt to breach the security of this website. Any tampering with the website, providing false or inaccurate information, misrepresenting your identity, or engaging in fraudulent activities is strictly prohibited. This includes any actions that might disrupt the website’s functionality, hinder access for others, or introduce viruses, malware, or other harmful elements. If you are provided with a username, password, or other security information as part of our procedures, you are responsible for keeping this information confidential. You must not share it with others. Your account is personal, and you agree not to provide access to others using your credentials. Notify us immediately of any unauthorized access or breach of security. Always log out from your account after each session, especially when using public or shared computers. We reserve the right to disable any username, password, or other identifier at any time if we believe you have violated these Terms. ## Intellectual Property Rights All content on this website, including but not limited to text, graphics, software, reports, images, trademarks, and logos ("Website Content"), is owned by WELF or its licensors and is protected by copyright, trademark, and other intellectual property laws. All rights are reserved, except for the limited rights granted to you below. You may download or print pages for personal, non-commercial use, provided that you do not modify the content or remove any legal notices. Any copying or downloading does not transfer ownership to you. You are prohibited from reproducing, transmitting, or using Website Content for commercial purposes without prior written consent from WELF. Unauthorized use of Website Content for illegal purposes is also prohibited. WELF will take legal action against any infringement of these rights. ## Accessibility, Stability, and Accuracy of Information WELF makes no guarantees that this website will be available at all times or free from viruses, malware, or other harmful elements. WELF is not liable for any damage caused by attacks, viruses, or other harmful materials due to your use of this website. Access to this website may not be legal in certain jurisdictions. If you access the website, you do so at your own risk and are responsible for complying with applicable local laws. WELF makes no representations or warranties regarding the accuracy, completeness, or reliability of any Website Content. All content is provided "as is" without warranties of any kind, either express or implied. ## Third-Party Links Links to third-party websites are provided for convenience only and do not imply endorsement, sponsorship, or recommendation by WELF. We do not monitor or review third-party websites and accept no responsibility for their contents or practices. You are prohibited from linking to or framing this website without prior written consent from WELF. ## Sales and Marketing Restrictions – No Advice, Solicitation, or Offer The purpose of this website is to provide general information about WELF and its business operations. None of the content on this site constitutes investment advice, solicitation, or an offer. This website and its content are intended exclusively for professional investors with experience in private equity investments. WELF does not provide investment, legal, accounting, or tax advice. All investments mentioned may not be suitable for all investors. You must make your own independent decisions based on your specific financial circumstances. ## Forward-Looking Statements Past performance is not indicative of future results. Any forward-looking statements made on this website are based on current assumptions and may not necessarily reflect future outcomes. Actual results may differ significantly due to risks and uncertainties. WELF is not obligated to update or revise any forward-looking statements. All investments carry risks, including the potential loss of principal. ## Limitation of Liability Your use of this website and any of its content is at your own risk. To the fullest extent permitted by law, WELF shall not be liable for any losses, including indirect, special, or consequential damages, arising from the use or inability to use this website, or any of its content. By using this website, you agree to indemnify and hold harmless WELF, its affiliates, licensors, service providers, and their respective officers, directors, and employees from any claims, damages, or losses arising from your use of this website. ## Privacy Statement WELF may collect information through technologies such as cookies and web beacons. This data may include usage details, IP addresses, and other information about your visit. We may also collect personal information that you voluntarily provide, such as your name, email address, and company details. Your personal information may be stored and processed in any country where WELF operates, and you consent to such transfers. We may use this information for business purposes such as improving our website, conducting research, or for statistical analysis. We do not collect or maintain personal data that is irrelevant or unnecessary for our business. Personal information will be kept confidential and protected from unauthorized access. ## Miscellaneous These Terms do not alter any existing agreements you may have with WELF or any of its affiliates. In case of any inconsistency between these Terms and other agreements, the other agreements will take precedence. No failure or delay by WELF to act upon any breach of these Terms constitutes a waiver of our rights. Headings are for convenience only and do not affect the meaning of these Terms. If any provision is found invalid, the remainder of these Terms will remain in effect. These Terms constitute the entire agreement between you and WELF concerning the website and supersede any prior agreements or understandings. ## Governing Law These Terms and your access to this website are governed by the laws of the United Arab Emirates. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts in the UAE. # Our Partners In traditional finance (TradFi), establishing and managing funds necessitates the involvement of multiple parties, such as asset managers, custodians, fund administrators, counterparties, and legal professionals. The complexity increases in on-chain finance, particularly when integrating on-chain capital with off-chain assets, involving an even larger network of participants. To ensure the highest level of partnerships and services, WELF exclusively collaborates with prime partners who are carefully selected and continually evaluated. This ongoing assessment guarantees that we maintain exceptional standards in all our financial operations. # Contact If you have any questions, please send an e-mail to .