We’re updating our User Terms as we continue to expand Bitvavo products.

This includes improvements to our product suite, as well as a few important clarifications.

When this takes effect

These updates become effective on 12 November 2026. By continuing to use Bitvavo after this date, you agree to the updated terms.

What this means for you

Most of how you use Bitvavo stays the same. Below is a clear summary of what’s new and what’s changing.

What’s new

Liquid staking through Lending Services

When you lend assets to Bitvavo Custody B.V., it can now stake selected assets through liquid staking. This is a new part of Lending Services. Lending is not regulated and falls outside MiCAR protection. Staking rewards are variable.

EMT Lending: earn rewards on electronic money tokens

In selected countries, you can lend electronic money tokens (EMTs, such as EUR-backed stablecoins) to Bitvavo Custody B.V. and earn rewards. This is called EMT Lending. Lending is not regulated and falls outside MiCAR protection.

What’s changing

Lending Services now cover more

The scope of Lending Services is expanded to include liquid staking and EMT Lending, as described above.

Account Guarantee Program eligibility

The Account Guarantee Program stays in place. If someone gains unauthorized access to your account and withdraws your crypto assets, you may be eligible for reimbursement of up to €100,000. Three eligibility conditions are changing:

• Authenticator app required. To be eligible, you need two-factor authentication (2FA) set up with an authenticator app. SMS or email codes alone no longer qualify.
• Approving requests you didn't make. Losses are not covered if you approve a login, withdrawal, or other request that you didn't initiate yourself, for example a prompt sent by someone else.
• Physical access to your account. Losses are not covered if someone gains access to your account through physical means, such as theft of your device, robbery, or being forced to hand over access.

Not using an authenticator app yet? Set one up in Account > App Settings > Security before 12 November to stay eligible.

For the full details, read the updated User Agreement and Risk Disclosure.