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Frequently asked Questions

We have collected the most frequently asked questions from Bittoro Arbitrage Group partners.

What is Bittoro?

Bittoro is the world's most advanced regulated digital asset institution, offering fast fiat deposits for over forty cryptocurrencies, industry-leading asset earning rates, subconsciously intelligible crypto exchanges, instant crypto credit lines. The mission of the organization is to maximize the value and utility of cryptocurrencies. We help four million people in more than two hundred jurisdictions increase their crypto wealth with the support of our comprehensive suite of products. The Bittoro platform combines a comfortable user interface with military-grade security and $375 million insurance. Customer assets are stored and protected in individually assigned multisig cold storage wallets supported by Ledger Vault, Bakkt and Goldman Sachs' exclusive qualified, verified custodian, BitGo. To provide full transparency, Bittoro has partnered with Armanino LLP to perform real-time attestation of the organization's custodial assets.

Why Choose Bittoro?

Universal platform. Bittoro's comprehensive suite of products will help you get the most out of your cryptocurrency.

- Buy or deposit more than 40 cryptocurrencies in seconds;
- *Swap over 300 market pairs and get back up to 0.5%;
- *Earn compound interest on your cryptocurrency paid daily;
- Borrow funds at rates, in a few clicks;
- Spend without selling your cryptocurrency with the Bittoro Card; - Use your portfolio to increase your positions with Bittoro;
- *Buy cryptocurrencies with your credit/debit card in seconds. Users from over 200 jurisdictions can easily buy cryptocurrency with a card and receive transaction rewards;
-By replenishing assets, you will be able to exchange between more than 300 market pairs. You will definitely get the best rates* from the top 10 cryptocurrency exchanges thanks to our intelligent routing system;
-Highly profitable interest. The interest you earn is added up and paid daily*. Fund your dormant cryptocurrency on the Bittoro platform and let it work for you;
- You control your Instant Crypto line of credit. You can repay your credit line in fiat, cryptocurrency or a combination of both at any time;
- The world's first crypto-backed credit card. Bittoro Card allows you to spend the value of your digital assets without having to sell them. You can shop anywhere Mastercard is accepted and you get up to 2% Cashback on every transaction;
- Optimization of tax liabilities. When you take out a cryptocurrency line of credit and spend it with a Bittoro card, you can optimize your tax liability depending on your jurisdiction. This is possible because Bittoro Card does not sell your cryptocurrency to pay for a transaction;
- Intuitive lever functionality. Bittoro uses your existing crypto assets to buy 3x your favorite digital assets. It does this by funding the acquisition with a cryptocurrency-backed loan.
-Support for multiple assets. You can store over 40 digital assets, including Bitcoin (BTC), Ethereum (ETH), BTR tokens, and stablecoins. You can find a complete list of support resources on the site;
- Storage and compliance with industry standards. Collectively, Bittoro's partner, world-famous custodians, provide $375 million worth of insurance protection for digital assets. These include BitGo, Ledger Vault, and Bakkt. Moreover, to ensure full transparency, Bittoro is working with Armanino LLP to conduct real-time attestation of the company's custodial assets. This third party attestation ensures that Bittoro's assets exceed liabilities and that we can always meet the client's obligations;
-Military grade security. The Bittoro platform is equipped with an industry-leading security infrastructure designed to provide maximum protection for your assets at all times; -24/7 customer support. At Bittoro, we always put our customers first. That's why our mission is to provide the best customer support in the industry. Don't want to take our word for it? Read our many positive customer testimonials before trusting us with your digital assets.

Bittoro Institutional Maintenance Explanation

Bittoro's institutional offerings target financial institutions, trading firms, hedge funds, market makers, family offices, cryptocurrency miners, and high net worth individuals.

How does an institutional service differ from products on a retail platform?

The average ticket size for an institutional deal is between $3.5 million and $5 million, with some tickets exceeding $200,000,000. Custom LTV, duration, margin call intervals and interest rates are available based on customer needs. On the contrary, all products and services offered through the Bittoro retail platform are subject to fixed, non-negotiable terms.

Do you provide trading and execution services?

Yes. Bittoro offers an institutional grade trading infrastructure that combines low latency execution with high liquidity. In addition, we are happy to facilitate large-scale over-the-counter buying and selling of cryptocurrencies. Feel free to contact us at support@Bittoro.com for further assistance.

What assets do you work with?

We are active in all major cryptocurrencies, but our focus is on BTC, ETH, USDC, USDT, DAI and the rest of the top 25 coins.

How to become an approved counterparty?

Bittoro follows strict KYC/AML procedures. Please follow the link to start the registration process.

Is the KYC process different for high net worth institutions and individuals?

High net worth individuals interested in using our services need to provide fewer documents compared to institutional or corporate counterparties.

What sets Bittoro apart from the competition?

We are the most technologically advanced loan provider in the crypto space. Building on 13 years of fintech success and one of the largest pools of digital assets on the planet, we are the right partner for any financial institution

Is your platform centralized?

Yes. For now, Bittoro provides a centralized service as the current blockchain infrastructure does not allow fully offline solutions and trying to build one at this stage will create more problems than solutions.

How is Bittoro different from margin lending?

You can use your cryptocurrency-backed Bittoro loan for any purpose you like. You can use it to invest just like a margin account. You can use it to buy a new car, a new TV, or a new house. You can spend them on holidays or travel around the world. It's up to your imagination

What are your social media channels?

Telegram: https://t.me/bittoro_news
Reddit: https://www.reddit.com/user/Bittoro_bot
Youtube: https://www.youtube.com/channel/UCDbJcgq6o6NAaNuCyPcNp5QYou
You can subscribe to our newsletter and receive all important updates straight to your inbox.

What is Bittoro's work/corporate mailing address?

Feel free to contact Bittoro at:

support@bittoro.com
finance@bittoro.com

What does the expression “BitToro Licensed Regulated Company” mean?

- Sufficient operating capital :
a) We are required to comply with minimum initial capital and minimum equity requirements. The equity ratio ensures that we are able to cover the risks associated with the provision of payment services.
b) We protect your funds with certain security measures (fund segregation and insurance).
This ensures that the benefits intended for you are protected because they are the responsibility of a company with sufficient operating capital.
- Mandatory involvement of an internal and independent auditor:
Our accounts are subject to additional audits. Our system has four levels of protection for your transactions.
- Robust anti-money laundering (AML) policies and procedures:
a) A risk-based approach in assessing and managing the risks of a company engaging in money laundering and terrorist financing activities.
b) We apply customer due diligence, identification and verification procedures, including enhanced due diligence and customer screening against UN, EU and US FAC sanctions lists.
With our anti-money laundering (AML)/terrorist financing policies and procedures, we are a trusted partner in the financial services industry that protects our business reputation and yours.
- Data protection and security:
We conduct due diligence reviews of IT security measures and data protection processes, authorization procedures and data encryption. With us, you can be sure that your confidential information is safe and protected.

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Frequently asked Questions

We have collected the most frequently asked questions from Bittoro Arbitrage Group partners.

How to purchase BTR tokens?

Owning Bittoro tokens offers a range of benefits, from lower interest rates on loans to higher returns on your idle assets. There is an easy way to buy BTR tokens:
Go to : https://dashboard.bittoro.com/dashboard.php and select tab : BTR Quick Buy.

How to get highly profitable daily interest from crypto assets?

Follow these simple steps or watch this video and start earning high annual interest on your dormant cryptocurrency:

- Arbitrate yourself. https://dashboard.bittoro.com/dashboard.php=trading_arbitrage

- Get a trading bot :

https://dashboard.bittoro.com/dashboard.php=buy_license_bot
- Get passive income from storing coins :https://dashboard.bittoro.com/dashboard.php=stacking

How to get a loan in stablecoins?

In order to borrow in stablecoins, you just need to click on the Borrow button on the Account page. Please note that USD withdrawals are automatically placed in your BitToro wallet. The corresponding balance will be updated immediately, after which you can either convert assets on our exchange or withdraw them to an external wallet.

How to deposit crypto assets?

To transfer your crypto assets to your BitToro account, follow these steps:
1. Log in to your BitToro wallet/account. Complete an identity check if you haven't already. Don't worry, the process is very fast and intuitive. You can read more details in our special article .
2. Scroll down the page to see all supported cryptocurrencies.
3. Click the "Deposit" button next to the cryptocurrency you want to deposit.
4. For all assets that support multiple transfer networks, you must select the one you want to use for the deposit. Click the drop-down menu and select your preferred network.
Important : Make sure the selected transfer network matches the withdrawal network you have chosen on the platform/wallet from which you are sending your assets so that you do not lose your funds.
5. Copy your personal deposit "Address".
In addition, you can deposit crypto assets directly from your MetaMask wallet.
6. Paste your deposit address into the send/withdraw address field on the platform/wallet from which you will be transferring your assets to your BitToro account.
7. You will see your crypto deposit in your BitToro wallet/account once the required number of network confirmations has been reached.
Important! Make sure you only transfer supported crypto assets through the appropriate Blockchain network supported by BitToro. Transferring unsupported assets to your BitToro account will result in permanent loss.

Processing time for cryptocurrency deposits (blockchain confirmations)?

Processing time for cryptocurrency deposits (blockchain confirmations)For security reasons, we require a digital asset/cryptocurrency deposit to receive a number of confirmations on its blockchain before funds can be credited to your account.

What are confirmations?

When a transaction is broadcast to the network, it must wait until miners include it in a block. Once the transaction was included in the mined block, the transaction received 1 confirmation. With each subsequent block, the number of transaction confirmations increases.

Why are there confirmation requirements?

To avoid the risk of double spending, funds are not credited until a certain number of confirmations have been completed (as detailed below).The more confirmations received, the more permanent/irreversible the transaction is.

How long does confirmation take?

Bittoro financial transactions : How long does it take to confirm?
Each block is found at a different speed depending on the blockchain.
For example, in the bitcoin blockchain, a block is mined every 10 minutes on average, and BitToro only credits bitcoin deposits to a client's account after a minimum of 6 confirmations, which takes approximately 60 minutes.
However, sometimes when the network is heavily used, it can take 30 or even 60 minutes for Bitcoin miners to mine one block (1 confirmation).
As explained above, the time it takes for blocks to be included in the blockchain can increase significantly when the network is congested due to high demand. This inevitably leads to a delay in transactions. One thing that can speed up your BitToro transfers is choosing a higher mining fee (gas fee), which usually results in faster blockchain confirmation.
BTC deposits require a minimum of 6 confirmations
ETH, PAXG, USDT, USDC, DAI, BITTORO, TUSD, USDP deposits (ERC-20 network) require 50 confirmations.
LINK, UNI, AXS, SAND, MANA, GALA, SUSHI, CRV, AAVE, APE, 1INCH, MKR (ERC-20 network) require 40 confirmations
ETH, LINK, USDT, USDC, DAI, AAVE, SUSHI deposits (Polygon network) require 200 confirmations.
XRP (Ripple), XLM (Stellar), BNB, BITTORO BEP2 and EOS deposits are almost instant.
BCH deposits require 16 confirmations
LTC deposit requires 6 confirmations
TRX (Tron) deposits require 20 confirmations
DOGE (Dogecoin) deposits require 10 confirmations
ADA (Cardano) deposit requires 1 confirmation
DOT (Polkadot) deposits require 2 confirmations
MATIC (Polygon) deposits require 127 confirmations

What is the minimum amount of cryptocurrency I can withdraw?

The minimum amount of crypto assets that you can withdraw is: 10 USD. Please note that additional deposits may be required if your current crypto balance is below the respective minimum withdrawal limit. Depending on your loyalty level*, you will receive up to 5 monthly cryptocurrency withdrawals for free. Important: If you have used up the free withdrawal, you will have to cover the transaction fee, which is deducted from the withdrawal amount. If you are trying to withdraw the minimum amount and you do not have a free withdrawal left, the system will take into account the corresponding withdrawal fee. Therefore, the on-screen notification will state a higher minimum withdrawal amount as a result of the included fee, which is otherwise covered by BitToro.

*In accordance with our #ZeroFees policy, you can withdraw unlimited fiat currency withdrawals for free, transfer cryptocurrencies and fiat currencies to your BitToro Wallet, and withdraw funds from your line of credit. BitToro does not charge a fee for creating a line of credit, currency exchange and exchange.

What is the withdrawal fee for Line of Credit, Cryptocurrency and FiatX withdrawals?

All cryptocurrency transfers between BitToro accounts are carried out for a regulated period of up to 48 hours, without restrictions. Depending on your loyalty level*, you will also receive up to 5 monthly payments in cryptocurrency to an external wallet without commission. BitToro internal transfers do not affect your free monthly cryptocurrency withdrawal as they are made offline.

Once the free withdrawal limit is reached, you will be automatically charged the fees charged by the network. The commission is not fixed and depends on the current state of the respective blockchain. You will see the amount required to process your transaction before submitting your withdrawal.

The counter of free cryptocurrency withdrawals will reset on the first day of each month, after which you can make another series of free withdrawals.In accordance with our #ZeroFees policy, you can make unlimited free fiat withdrawals, crypto and fiat transfers to your BitToro Wallet, and line of credit.

What is the minimum amount required to start earning high yielding APY interest on your cryptocurrency?

The minimum amount of cryptoassets you must have in your BitToro account to start earning high yielding APY interest is:

- 250 USDT or equivalent in any other currency for arbitrage trading;
- 1000 USDT or equivalent in any other currency to purchase a trading robot TSR1000
-100 USDT or equivalent in any other currency for staking.

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Frequently asked Questions

We have collected the most frequently asked questions from Bittoro Arbitrage Group partners.

Security, Insurance, Partners:

BitToro has partnered with leading blockchain security providers, including BitGo, Ledger Vault, and Bakkt, among others. Together, they provide $375 million worth of insurance protection for digital assets held on the BitToro platform through the most prestigious underwriter syndicates.
Our partners:
BitGo, a leader in financial services for digital assets, is a longtime partner of ours. They provide us with cold storage wallets, Class III bank vaults through their SOC 2 Type 2 certified storage program, and a $100 million insurance package through Lloyd's of London.
The insurance policy is provided at no additional cost and covers digital assets whose private keys are 100% owned by BitGo in the event of:
Third party hacking, copying or stealing private keys;
Insider theft or dishonest actions by BitGo employees or executives;
Lost keys.
BitToro chose BitGo as its custodian because BitGo provides 100% cold storage technology in Class III bank vaults, and the BitGo platform is SOC 2 Type 2 certified. BitToro also uses the BitGo enterprise solution, which includes the Level 3 cryptocurrency security standard. CCSS Level 3 requires multiple actors for all critical activities, as rich authentication mechanisms are used to ensure data authenticity, and assets are distributed geographically and organizationally.
Additional information can be found here(1).



Ledger Vault insures up to $150 million worth of digital assets through a custom insurance program backed by Arch and Marsh. Using industry-leading and independently certified Ledger security technology, the Ledger Vault SaaS solution provides a cloud-based digital asset storage infrastructure for financial institutions and professional investors to securely control their crypto assets with a multi-authorization self-storage management solution.
You can read our dedicated article for more details.
Bakkt is a trusted digital asset platform that provides BitToro with bitcoin and ethereum storage at Bakkt, the company's regulated custodian, which includes both online (warm) and closed (cold) digital asset storage to minimize risk. For additional layers of protection for BitToro users' assets, Bakkt's warm and cold wallets are built on a secure wallet architecture as well as multi-zone physical security, including bank-grade vaults. Bakkt is regulated by the New York City Department of Financial Services, is registered with FinCEN as a money services company, and has a BitLicense through the New York City Department of Financial Services. BitToro users also receive $125 million in insurance at the Bakkt warehouse.
To increase transparency, BitToro is partnering with Armanino to conduct a Proof of Reserves assessment and provide real-time confirmation of the company's custodial assets. With this pioneering step in the crypto lending industry, we give you complete confidence that BitToro can always meet the client's obligations.

Platform and Data Security

Platform and Data Security:

- 2FA authentication: SMS verification, email verification, authenticator app support;
- Biometric identification: using fingerprints or facial recognition;
- Whitelist: Manage your crypto addresses or further improve the security of your account by enabling the address whitelist.
- Withdrawal confirmations and login alerts
- Data protection and confidentiality: Your personal information is stored in secure networks and is only accessible to a limited number of individuals who are required to maintain the confidentiality of the information. All confidential/credit information you provide is encrypted using Secure Socket Layer (SSL) technology.
- Accredited Information Security Management Systems: ISO/IEC 27001 ensures that BitToro's security infrastructure is of the highest standards, keeping the enterprise secure and minimizing risk for all customers and investors. As ISO/IEC 27001 certified, BitToro implements the most stringent security policies, flawless risk assessment, data protection, and state-of-the-art cyber security.
- Please note that account holders are responsible for protecting their accounts, including but not limited to using a strong password, enabling two-factor authentication, and controlling all BitToro login credentials. Clients remain the owners of crypto assets placed in BitToro accounts. You can check out our tips on how to secure your BitToro account and protect yourself from internet phishing.

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Frequently asked Questions

We have collected the most frequently asked questions from Bittoro Arbitrage Group partners.

What coins are accepted as collateral?

You can use the following crypto assets as collateral: BTC, ETH, XRP, TRX, DOT, DOGE, BNB, USDT. Support for other major altcoins will come later in 2023.

We have over 40 applications from companies that want their tokens to be added as collateral. We are very careful about who we work with and prioritize projects with integrity and significant impact on the ecosystem as a whole.

If you would like your favorite altcoin to be added among the collateral options, you can vote in its community or ask the specific project team to complete our application form.

Important! Make sure you only transfer supported crypto assets through the appropriate Blockchain network supported by BitToro. Transferring unsupported assets to your BitToro account will result in permanent loss.

How to add, remove and change your MetaMask wallet?

To change the details, you must submit a corresponding application to the Bittoro Help Center.

Blockchain networks supported by BitToro

Please be aware that each cryptocurrency must be transferred to/from BitToro via their own blockchain/network. To avoid potential loss of assets, we recommend that you refer to the list below and ensure that you are using the correct network for your deposits/withdrawals:
BTC -> Blockchain Bitcoin
ETH, USDT-> Ethereum network (ERC-20) or Polygon network
XRP -> Ripple network
BNB -> Chain Binance BEP2
TRX -> Blockchain TRON
DOGE -> Blockchain Dogecoin
Supported crypto assets:
Below you can find a list of all cryptocurrencies currently supported by BitToro:
BTC, ETH, BITTORO, XRP, USDT, BNB, TRX.
Important :
* Restricted assets cannot be deposited or withdrawn from/to the platform. For more information please check this article** LUNA trading via BitToro Exchange is temporarily suspended due to the transition to LUNA Classic.
To ensure the easy transfer of your cryptocurrency, you can find out which Blockchain networks we support.

Where can I see the address where I need to deposit collateral for my BitToro loan?

Your BitToro account on the Bittoro.com platform has a "Deposit" button next to each deposit option, where you can see the deposit address of the particular cryptocurrency.
Important! Make sure you only transfer supported crypto assets through the appropriate Blockchain network supported by BitToro. Transferring unsupported assets to your BitToro account will result in permanent loss.
For all assets that support multiple transfer networks, you must select the one you want to use for the deposit. Click the drop-down menu and select your preferred network.
By making a deposit, you acknowledge that BitToro is not responsible for any coins sent to the wrong address or through the wrong network.
You can also deposit cryptocoins/tokens from exchange accounts.
After making a deposit, you can track its progress on the Transactions page in your BitToro account.
Your crypto assets are stored in multi-sig wallets and cold storage by world-famous custodians BitGo and Ledger Vault.

How to withdraw crypto assets stored on BitToro?

You can withdraw any asset from your BitToro account at any time, as long as it is not being used as collateral for an outstanding loan.
Click the Withdraw button next to the asset you want to withdraw.
For all assets that support multiple transfer networks, you must select the one you want to use for withdrawals. Click the drop-down menu and select your preferred network.
Important :
Make sure the network you choose matches the withdrawal address and that the deposit platform supports it.
Only withdrawals made through the Ethereum (ERC-20) network will count towards free withdrawals. Other supported networks are free.
After that, you will need to specify the address to which you want to send your crypto assets. If you are trying to withdraw XRP, XLM, EOS, BNB, BITTORO BEP2, you may also need to provide a "Destination Tag" or "Note". Once you have filled in all the required information and the amount you wish to withdraw, click the Withdraw button.
Confirm your withdrawal with the confirmation email you received in your BitToro registered mailbox. You will then be able to track the status of your transfer using the transaction hash (TxID) provided to you in the transfer details in the Transactions tab in your BitToro account.
Important : Please note that the withdrawal confirmation email is valid for 30 minutes, after which the withdrawal request will be automatically rejected.
All cryptocurrency transfers between BitToro accounts are instant, unlimited and free. They do not affect your free monthly cryptocurrency withdrawal as they are offline.
When you paste another BitToro user's wallet address, a message will appear confirming that the address belongs to a BitToro account. If you do not receive this confirmation, you are most likely transferring funds to an external wallet.
Important:
For security and compliance reasons, for new accounts, especially those containing a significant amount of BITTORO tokens, the withdrawal process may take up to 24 hours.
Depending on your loyalty level, you will receive from 1 to 5 monthly cryptocurrency withdrawals completely free of charge.
In accordance with our #ZeroFees policy, you can withdraw unlimited fiat currency withdrawals for free, transfer cryptocurrencies and fiat currencies to your BitToro wallet, and withdraw funds from a line of credit. BitToro does not charge a fee for creating a line of credit, currency exchange and exchange.

Where is my conclusion?

After you complete an action on the BitToro platform (such as a withdrawal), you can track its progress on the Transactions page of your BitToro account.

Are the deposit addresses of each collateral unique?

Each deposit address is unique and remains unchanged until further notice.
We recommend that you double check each time before making a new deposit.
- XRP (Ripple)
- BNB

I sent funds to the wrong address; is there a way to get them back?

By making a deposit, you acknowledge that BitToro is not responsible for any coins sent to the wrong address.
At the same time, we always strive to help in any way we can, as we know that sometimes mistakes happen, so feel free to contact support@bittoro.com or send a request.
We are constantly fixing issues like this - people sending BTR tokens to our smart contract address, etc. Please be aware that in some cases it is not technically possible to fix the problem, as the address may not be compatible with the code. smart contract of the token.

Summary of missing crypto deposit

Deposit to an address that does not belong to BitToro:
cryptoassets sent to an address that is not associated with your BitToro account or does not belong to BitToro cannot be recovered. BitToro does not know who controls these addresses and has no way of obtaining such assets. If you know who owns the address to which you sent your assets, then in order to return your cryptocurrency, contact the owner of this address.
Please note that in order to recover your crypto coins, we may need to install or update wallet software, export/import private keys, etc. These operations can only be performed by authorized personnel under strict supervision. Please be patient as it may take more than one month to receive your cryptocurrency.

What are the withdrawal limits?

Transfers to or from your BitToro account are only available after you have verified your identity. Once your account has been verified, you will be able to unlock all the features of BitToro.

Important: Please note that the above withdrawal limits reset 72 hours after the last withdrawal. If you want to increase the limits, please contact support.

Can I cancel a digital currency transaction?

No, no one, including us, can reverse or freeze crypto transactions due to the nature of digital currency protocols.

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Frequently asked Questions

We have collected the most frequently asked questions from Bittoro Arbitrage Group partners.

Do I need 2FA (two-factor authentication)?

Yes. For security reasons, two-factor authentication is required each time you log into your BitToro account.
Two-factor authentication is also used to withdraw funds and change security settings. You can choose between Google Authenticator/Authy/LastPass or any other authentication app (highest security) or SMS authentication (standard security).

What are the benefits of using two-factor authentication?

Two-factor authentication is an additional step added to the login process. This is a mechanism to double verify your identity and prevent unauthorized access to your account. The first factor is what you know, such as your credentials (username and password), and the second factor is what you have, such as your mobile phone.
When you want to log into your BitToro account and are prompted to authenticate with a username and password, this is the first level of verification. Two-factor authentication works as an extra layer of security that will re-verify your identity. Its goal is to make life harder for an attacker and greatly reduce the risk of losing your assets by protecting your BitToro account with an extra layer of authentication.

When should I use 2FA?

Enabling 2FA is a simple step that can greatly reduce your chances of being the next victim of cybercriminals. You should use 2FA whenever possible, especially when it comes to your sensitive data.

Why should I enable 2FA?

Improved Security: Protect your account from cyber threats. Most hacker attacks succeed because of weak or stolen passwords. 2FA ensures that even if your account is compromised, a hacker must overcome one more layer of security before they can gain access to your account.
Reduced theft of data/funds: Adding an extra step to the login process means it will be more difficult for attackers to gain access to your account and perform unauthorized transactions.
Simplify the login process:
Fraud prevention mechanism. OTPs reduce the risk of fraud by sending random, urgent, and unique codes to your mobile phone.
Two-factor authentication is an important layer of security. Enable it to secure your BitToro account if it is not already activated.

Can't enable 2FA?

Unfortunately, we have not enabled this feature in all regions. Please wait.

Does my account not have 2FA?

Don't worry, if your account does not require 2FA, then your region has already updated the system of biometric and individually static visiting pixel.

How to protect your BitToro account?

BitToro has strict security policies in place to keep your cryptocurrency and your information safe. As part of our security practices, we also ask our customers to take a number of precautions to ensure that no one else gains access to their account.
Understanding how to identify fraud and attacks is critical to protecting your accounts and funds, especially since crypto transactions are irreversible. To make it easier for you to spot hacking attempts, we've explained some of the most common methods scammers can use to gain access to your account and make unauthorized transactions.
We hope you find the information below useful.
Account takeover:
Since BitToro's most important communication channel is email, customer email addresses can be targeted for account hijacking. If someone gains unauthorized control of your email, they could potentially gain access to your BitToro account.
It is vital that your email is secure; this includes a strong password, security questions and 2FA.
Phishing
Phishing attacks try to trick you into revealing your username, password, or other personal information about your account. This type of fraud can take several forms, below are a few examples:
Emails: You may receive an email that looks like it was from BitToro but was actually sent by a scammer asking you for information or leading to a scam website.
Websites: These websites may look exactly like the BitToro website, but any information you enter there, such as usernames and passwords, is recorded and can be used to hack into your BitToro account. These websites are often promoted with ads that look like they are redirecting you to the legitimate BitToro website.
Calls: Someone may call you posing as a BitToro employee and ask you for a username, password, or other information.
SMS/IM: Scammers can send you messages impersonating BitToro and asking you to share your username or password. They may also encourage you to open unsafe links.
BitToro will never pre-call, send emails, or send SMS/IMs and ask for a username or password. If someone contacts you personally claiming to be from BitToro and requesting sensitive information, do not respond and report it to our support team. Our support team is available 24/7, so feel free to contact us.
Malware:
This type of account hacking is done through software. Fraudsters gain access to your devices using sophisticated programs that allow them to take control of your devices and steal your passwords or other sensitive information that you may have stored on them.
Identity theft:
This is when someone impersonates you after gaining access to enough of your personal information. The attackers will then attempt to open an account in your name and/or make unauthorized transactions. Identity theft most often occurs when your documents such as ID, passport or driver's license are stolen. Please note that documents do not always have to be physically stolen, scammers can also steal your identity through phishing or stealing personal devices such as phones or computers.
Tips for protecting your accounts, information and funds
At the end of this article, we have prepared some tips to help you keep your cryptocurrency safe:
Create a strong password: Use a password of at least 16 characters. Do not share it or use it for other accounts. Password managers can help you create and store strong passwords. We recommend LastPass, but there are many alternatives.
Enable Two-Factor Authentication (2FA): This is an additional layer of security that requires a unique code every time you sign into your account. The code is generated by your device and is required in addition to your username and password.
Protect your email: Protect your email address so that no one can access your BitToro account through your email. Most email providers support 2FA.
DO NOT give out personal information: BitToro staff will never ask you for a password or 2FA code, nor will they ask you to authorize transactions.
Check the URL: Before you sign in to BitToro or click on an ad, make sure you're on BitToro.com. Scammers often use similar URLs, so check them carefully.
Check your email domain: Any message from BitToro will come from @BitToro.com. If you have any doubts about the legitimacy of an email from BitToro, please contact our support team.
Block your account: If you suspect that your account has been compromised, contact our support team immediately.
BitToro cannot be held responsible for loss of funds if you are the victim of a scam as outlined in our wallet's Terms of Use. Despite this, we will do everything we can to help prevent such situations and help you protect your account.
You agree to purchase all necessary hardware, and install all necessary software, including antivirus and antivirus software, for your use of the BitToro Wallet Services in accordance with these General Terms.. You are solely responsible for maintaining the security of your device and maintaining proper security and control over with your username and password, and you are solely responsible for any access to and use of the BitToro Wallet Services through your device, whether or not such access may have been made without your knowledge, authority or consent. We shall not be liable to you for any loss or damage resulting from such use. If your device is lost, stolen, accessed, or used in an unauthorized manner, you must notify BitToro, and if your device is accessed or used in an unauthorized manner, you must reset it as soon as possible. password.

Is this email really from BitToro?

Always check the header of the emails you receive. All official BitToro emails are sent from an email address with @bittoro.com at the end.

How to protect yourself from Internet phishing?

Always check the address of the site you are visiting. Do not click on links.
The official BitToro website is bittoro.com and the BitToro platform is @bittoro.com .
All official emails are sent from an email address with @bittoro.com at the end.

If I find anything suspicious on the BitToro platform, where do I report it?

If you find anything suspicious on the BitToro platform, please report it to support@bittoro.com or submit a ticket.

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We have collected the most frequently asked questions from Bittoro Arbitrage Group partners.

Explanation of credit to value ratio (LTV)

Loan to Value (LTV) is a financial term used by lenders to express the ratio of credit to collateral value. In other words, the measurement of the balance of credit in relation to the value of the collateral asset is represented as the ratio of credit to value (LTV).
Traditional lenders (such as banks) use your credit score from third party credit agencies to determine your creditworthiness. The higher your credit score, the lower the risk for the lender. To remove credit score from the equation, you can apply for an asset-backed loan, such as the one offered by BitToro.
LTV is calculated as the loan amount in USD divided by the value of the collateral in USD expressed as a percentage.
Example:
Loan amount: 5.000 USD;
Security deposit: $10,000;
Loan to value = ($5,000 / $10,000) * 100% = 50.0%
How does the loan-to-value ratio fluctuate and what does that mean for you?
As the value of collateral decreases, the loan-to-value ratio rises. In the case of a loan backed by crypto assets, the value of bitcoin, ether, litecoin, bitcoin cash, etc. tends to decrease. Monitoring your account is very important during a market downturn. If the price of a crypto asset falls too low, the credit-to-value ratio will continue to rise and the BitToro blockchain oracle will automatically request via SMS and email that you repay your loan or add additional collateral to your credit line wallet.
If you do not do so as requested, there is a threshold at which assets from the savings wallet (if any) will be automatically moved to your line of credit wallet, and if they are not enough to cover the required loan-to-value amount, the secured asset will begin to be traded in a fully automated manner BitToro blockchain oracle to repay part of the loan to balance the loan to value ratio. This threshold is set at 83.3% by BitToro.
You will be notified via SMS and email before this happens.
Example:
Loan amount: 5000 USD;
Security deposit: $6,000;
Credit to Cost = ($5,000 / $6,000) * 100% = 83.3%
As a borrower, you always have the option to transfer additional collateral at any time.
Generalize:
The price of crypto assets fluctuates a lot – it can move up or down. When the price moves up, the credit-to-value ratio goes down. When the price moves down, the credit-to-value ratio goes up.

NFT Lending:

If you are a digital art owner and want to use the value of your collections without selling them, BitToro has you covered. Now you can use your NFTs as collateral and borrow against them through our OTC service. Below are the key points:
Supported collections: Bored Ape Yacht Club and CryptoPunks. New collections are on the way, which will be announced in the coming weeks;
Loan currency: stablecoins and ETH among other cryptocurrencies are available for loan withdrawal;
Loan to cost ratio: up to 20%;
No liquidation risk: no automatic redemption even if the price of your NFT goes down;
No credit checks: fast loan approval without the hassle of credit scores and inquiries;
White-Glove Service: You will be assigned a dedicated account manager to help you take full advantage of our new product.

Where to begin?

Since NFT Lending Desk is an OTC service, customers wishing to apply for an NFT-backed loan will need to complete our dedicated contact form. Example:
Go to the NFT lending page and click the Apply button.
Fill in the form. Make sure you have a Bored Ape/CryptoPunk ID, you will need it to complete this step.
After submitting the form, a BitToro representative will contact you promptly.
Please note that due to the capabilities of our team, we will only respond to requests that include the required NFT client ownership information from one of the supported collections.

Лимиты на снятие кредита

You can borrow from 1 to 25 BTC. Existing credit lines opened before December 2, 2021

If you already had a line of credit open before December 2nd and interest was charged at our standard rates. Tip: If you have already taken out a loan with a higher LTV, you can always add a little extra collateral to your line of credit wallet to get our low and zero rates. Withdrawal of credit funds is available after 30 to 120 days after the execution of this loan.

How much credit to value (LTV) can I get on my assets?

Loan to value ratio (LTV) is a measure of the size of the loan compared to the value of the assets backing the loan.
The percentage of credit to the value of each asset is dynamically determined by the BitToro blockchain oracle algorithms depending on the current and historical volatility and market liquidity of the asset.

Am I the owner of the collateral used for my BitToro loan?

Clause 4 of our BitToro Loan General Terms and Conditions states the following:

Unless prohibited by any Applicable Law, in accordance with this Agreement, BitToro shall acquire ownership of the Collateral while the BitToro Crypto Loan is outstanding.

What is the interest rate on my loan?

The interest rate depends on your level of loyalty, which is determined by the ratio between the value of your BTR tokens and the total value of your portfolio. Based on the BitToro-to-Portfolio ratio, you will be placed in one of our four loyalty tiers:

Base: 9.2%-9.8% - 30 days
Silver: 8.5%-9.2% - 60 days
Gold: 7.8% - 8.5% - 90 days
Platinum: 7.1% - 7.8% - 180 days.

Am I eligible for a BitToro loan?

To receive a loan, the customer must register a BitToro account on the BitToro.com platform and deposit a deposit into the account.
There are no credit checks. We accept loan applications worldwide, with a few exceptions.
Before taking out a loan, you will need to complete our identity verification. The process is simple, intuitive and usually only takes a few minutes.

What is the minimum and maximum loan amount that I can take out?

Currently, the minimum loan amount you can borrow/withdraw is: 1 BTC, maximum loan amount: 25 BTC

Please be aware that the interest applied to your loans is compound interest, i.e. they are calculated on the basis of both the original principal and accrued interest.

Can I take out more than one loan at the same time?

You can withdraw as many times as you want from your line of credit as long as you maintain a credit-to-value ratio and have enough collateral in your BitToro account. Please be aware that when requesting a new loan, cryptoassets may be automatically transferred from the Savings Wallet to the Line of Credit wallet if there is not enough collateral in the Line of Credit wallet to support the loan.
Similarly, you can repay the loan at any time and thus increase the available credit limit in your account.

What can I use BitToro Credits for?

You are free to distribute funds from your BitToro Loan to your specific needs or financial goals. Different borrowers around the world have different requirements and preferences for how long they will use their BitToro loan funds. As people in the lending business for over 10 years, we know how important it is for our clients to have access to cash when they need it. That's why we cater for both small and large requests so that our clients can pay day-to-day expenses or take advantage of a good investment opportunity.
Since the minimum loan amount is $50 in stablecoins and $500 in fiat currency, and the maximum is $2,000,000, it is clear that you can cover a wide range of expenses and/or purchases. You can also use your BitToro Loan to invest in crypto using Tether (USDT) or UCD Coin (USDC) for withdrawals.
Please be aware that the interest applied to your loans is compound interest, i.e. they are calculated on the basis of both the original principal and accrued interest.

How long does it take to approve a loan?

BitToro crypto loans are issued instantly, but it may take up to 1 business day depending on your KYC/AML/security checks.
Please also be aware that bank transfers are only processed by our banking partner on business days.

How quickly will I receive my money and how will my credit transaction be transmitted?

BitToro Cryptocurrency loans are instant and guaranteed, you will receive your funds on the same or next business day with a "Your BitToro loan" link.
The processing time is as follows:
Local transfers: 1 business day
International transfer: 3 to 5 business days
USDT (Tether) and USDC (USD Coin): It usually takes no more than a few minutes until you receive funds in your BitToro account.

Do you have credit checks or will a loan from you affect my credit score?

With BitToro, there are no credit checks and nothing is reported to credit agencies. Your credit score will not be affected in any way. This is one of the main benefits of using BitToro

What is the maturity date for BitToro loans?

Bittoro loan repayment period is from 30 to 120 days.

When will my first payment be?

We at BitToro believe we can empower you to structure your finances to suit your needs. You can repay your loan at any time using cryptocurrency and stablecoins, USD. Interest is added to your outstanding balance daily at 00:00 CET.

You can pay off some or all of your loan early at any time, and you can save on interest because you only pay interest on the days you take out the loan.

Important: Please note that loans repaid in less than 30 days will earn interest for the remaining 30 days at the standard monthly rate of 7.1-9.8% regardless of your loyalty level. This is to prevent misuse of the BitToro platform and to protect BitToro as a company, but more importantly, our customers and investors.

Do I have to pay tax on a BitToro loan?

BitToro and its affiliates do not provide tax, legal, or accounting advice, and this information is not intended to be, and should not be used for, tax, legal, or accounting advice. You should consult with your tax, legal and accounting advisors before entering into any transaction.

Are your loans secured?

BitToro Loans are backed by crypto assets. But the main difference between ours and traditional secured loans is that you profit from its growth potential.
BitToro's conservative business model requires 111%-666% over-collateral for all Instant Crypto credit lines.

Are there any commissions for early repayment, issuance or installment of a loan?

No, there are no prepayment, registration or installment fees.
You can repay part or all of your debt at any time and save on interest because you only pay interest for the period you borrowed.
There is no minimum amount to redeem in FiatX currencies. To find out about the minimum amounts for cryptocurrency, click here.
There are no installment payments. You can make payments at any time. Interest is added to your outstanding balance daily at 00:00 CET.

What happens if the value of the collateral changes before the loan is repaid?

If the value of the assets increases and the client believes that his crypto asset has reached its target price, he can place an order with the BitToro blockchain oracle to sell a part of the crypto assets held in his account and redeem some or all of the funds, their outstanding balance. The transaction is done through the API on some major exchanges (e.g. Bitstamp, Kraken, etc.) without any additional fees other than exchange fees.
An increase in the value of collateral assets also allows the client to withdraw more from their Credit Line.
If assets decrease significantly in value and you do not deposit additional assets into your BitToro account after receiving alerts from the BitToro blockchain oracle, the BitToro blockchain oracle may initiate a partial auto-repayment of the loan in order to balance the credit-to-value ratio back within limits .
The total value of your crypto assets and the minimum amount that triggers small automatic loan repayments can be seen at any time under all your crypto positions in your BitToro account.

Are there margin calls, will I be notified in advance and how long will I have to respond?

If collateral assets decrease significantly in value, the client will be warned to add additional collateral.
The client will be notified and partial automatic repayment of the loan will start only after the loan-to-value ratio increases to 83.3%.
Example:
If the loan amount is $5,000, partial auto-repayment of the loan will only be triggered when the value of your collateral falls below $6,000.
Loan amount: 5000 USD;
Security deposit: $6,000;
Credit to Cost = ($5,000 / $6,000) * 100% = 83.33%
The total value of your crypto assets and the minimum amount that triggers automatic loan repayment can be seen at any time below all your crypto positions in your BitToro account.
Prior to this, the client will receive at least three notifications (via SMS and email). This will happen when the loan to value ratio increases to 71.4% , 74.1% , 76.9% . The client will be asked to deposit more crypto assets into their BitToro account to prevent partial auto-repayment of the loan.
Please note that the BitToro blockchain oracle will not sell all crypto assets at once. Sell ​​orders are filled in small increments just to balance the Loan back to value back within the limits. Market orders to sell are executed at the market price on the leading cryptocurrency exchanges. The transaction is done through the API on some of the major exchanges (eg Bitstamp, Kraken, etc.). Funds received from the exchange, minus exchange fees, will be immediately applied to your outstanding loan balance.
The table below shows how the loan-to-value ratio changes at repayment - depending on the percentage of collateral sold (the price of crypto assets is constant)Important: Notifications are sent for informational purposes. The client is responsible for monitoring the status of his account and depositing more crypto assets or repaying part of the loan in order to prevent the initiation of a partial automatic loan repayment.

What is automatic collateral translation?

If your collateralized assets decrease in value and you do not add additional assets to your BitToro account after receiving alerts from the BitToro Blockchain Oracle, the BitToro Oracle may trigger a partial auto-repayment of the loan to rebalance the loan back to value back within limits.
To avoid this scenario, you can turn on our automatic collateral transfer feature. Here's how it works: if you don't cover the required LTV ratio, BitToro Oracle will automatically transfer a small portion of your holdings from your savings wallet to your line of credit wallet to fill the gap, thus keeping your credit under control.
This setting is enabled by default and we highly recommend leaving it as it creates an additional buffer against automatic redemptions. In the event that the cryptocurrency in your Line of Credit wallet can no longer support your loan due to a sudden loss of value, the system will transfer additional cryptocurrency from your Savings Wallet to improve the LTV ratio and keep it below the automatic repayment threshold.
If your collateral increases in value, your line of credit limit also increases. You can withdraw more credit or leave your current credit as is.
You can also use the additional value of your cryptocurrency to pay off part of your loan. If your assets have reached the target price, you can:
Place an order in your BitToro wallet to sell some of the crypto assets in your account.
Repay some or all of the outstanding debt.
The transaction is completed without any additional fees from BitToro. Any fees that arise are fees from the exchange that facilitated the trade.

What happens if I don't pay back my BitToro loan?

As long as you maintain a balanced credit-to-value ratio or have "Available Funds from the Line of Credit" in BitToro, you do not need to make any repayments. However, if the value of assets decreases significantly, you will receive a warning that you should either deposit more cryptoassets into your BitToro account or repay part of the loan to prevent partial auto-repayment of the loan.
If the borrower fails to complete any of the above, the BitToro blockchain oracle will initiate a partial auto-repayment process by selling a portion of the deposited cryptoassets to balance the loan-to-value ratio.
Market orders to sell are executed at the market price on the leading cryptocurrency exchanges. Funds received back from the exchange will be instantly used to cover your outstanding loan balance.
The total value of your crypto assets and the minimum amount that triggers small automatic loan repayments can be seen at any time below all your crypto positions in your BitToro account.

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BitToro Referral Program - Explanation:

Basic affiliate bonus : 5%-2%-1%

Depending on your level of loyalty, your percentage will be changed*

https://bittoro.com/index.php=partners_info
You can invite an unlimited number of friends, but they must be new BitToro users. Important: The portfolio of everyone you refer must remain above $100 for the entire 30 day period for the bonus to be awarded.

How it works

Register/login to your BitToro account and be sure to complete the identity verification. Copy the unique link to your profile from the Referral tab. Share it with a friend, ask them to create a BitToro account and complete identity verification. Your referral must have a value of at least $100 within 30 days for the bonus to be successfully reflected in both your account and his account.

Both of you will be able to see the bonus transaction in your BitToro accounts, however its status will be pending. The bonus will be credited to your balance within 24 hours after the expiration of the 30-day period, provided that the above requirements have been met and your portfolio at that time is at least $100.

How do I invite friends to join BitToro?

You can start inviting friends as soon as you create a BitToro account.
Log in to your BitToro account and select the "Invite a Friend" icon in the settings menu.
Click/tap your referral link to copy it and send it to your friends.

How many friends can I bring?

You can invite an unlimited number of friends, but they don't have to create a BitToro account before - only brand new customers are accepted.

Why didn't I receive my referral reward?

You can always log into your account and check your reward status.
Your friend may not have topped up yet, so be careful to remind them of this.
Keep in mind that the transaction must be sent from an external wallet (outside of BitToro); Any internal deposit transactions (from other BitToro users) within the 90-day period after registering with the referral link will disqualify you from receiving the referral reward.
Please note that it takes 30 days for the reward to be processed.
Please note that you only need to pass identity verification. However, your friend must also meet the top-up requirements. Both of you must meet the relevant conditions within 90 days from the date of registration. Otherwise, the bonus transaction will not be activated on any account.

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Frequently asked Questions

We have collected the most frequently asked questions from Bittoro Arbitrage Group partners.

Can I earn or borrow against my assets?

Anyone who contacts Bittoro and adds the equivalent of $100 or more in any digital currency to their account will automatically start earning interest on those funds. They can also borrow against them using Instant Crypto Credit Lines™ or exchange them for other assets on Bittoro Exchange without affecting their $25 reward.
We really want you to use our referral program to earn extra money. And remember, the more friends you invite, the more free cryptocurrency you get!
*Referral transactions created before 15:00 UTC on January 31, 2022 will be paid out in accordance with the past terms of the program.

How do I transfer USD to my Bittoro account using bank transfer?

The transfer is carried out using the MetaMask wallet or replenishment through other available exchanges.

Where can I see how much interest I have accumulated on my term deposit?

You can check accrued interest in your personal Bittoro account

Why didn't I receive interest on my savings?

Please note that in order to receive interest on your FiatX (EURx, GBPx, USDx ) and crypto assets, they must be stored in your savings wallet.
Please note that we do not pay interest on funds that are locked up as collateral, with the exception of our BITTORO token.
Important:
The first interest payment after the initial top-up will be paid no earlier than 24 hours after a successful top-up from 07:00 to 08:00 CET the next day.
The same 24-48 hour interest freeze applies to assets moved from a credit wallet to a savings wallet. This is to prevent misuse of the Bittoro platform and to protect Bittoro as a company, but more importantly, our customers and investors.
Example:
- Successful top-up credited at 6:30 am CET on June 10th. The first payment of interest will be made from 7:00 to 8:00 CET on 11 June. The waiting period is 24.5 hours.
- Successful deposit credited at 8:00 CET June 10th. The first interest payment will take place from 7:00 to 8:00 CET on 12 June. Thus, the waiting period is 47 hours (the 24-hour period ends at 8:00 CET on June 11, and interest is paid from 7:00 to 8:00 CET on June 12).Important:
UNI, GALA, SUSHI, UST, CRV, AAVE, MANA, 1INCH, MKR and SAND do not earn interest

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Frequently asked Questions

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What is Bittoro Card and what are its benefits?

Your Bittoro Card: What is a Bittoro Card and what are its benefits?
The Bittoro Card is a natural extension of our Instant Cryptocurrency Credit Lines, allowing you to make everyday purchases on the go without having to sell your valuable crypto.
Simply put, Bittoro gives you fiat to spend, and in return you provide crypto as a repayment guarantee – all done in the background whenever you make a purchase with your card. With your card, you can buy whatever you want, just like with any other international card, but on better terms.
As soon as you receive your Bittoro card, you will start receiving instant crypto rewards for every transaction, paid out in Bitcoin (up to 0.5% refund) or BTR tokens (up to 2% refund) - with the ability to change the reward, currency at any time, as often as you like.
And even more benefits for you:
*Accepted by over 90 million merchants worldwide
*No minimum monthly payments
*No monthly, annual or inactivity fees
*No currency exchange fees up to EUR 20,000 per month
*Monthly cash withdrawals from ATMs up to EUR 10,000
*Up to 10 free withdrawals per month
*Free additional virtual cards
*Freeze and unlock your Bittoro Card in our mobile app with one click
*Control all your transactions in real time and in full detail
*View your PIN code and change it anytime if needed
You will be able to immediately activate the virtual Bittoro Card and order a physical card, which will be delivered at the right time. Once connected to Apple Pay or Google Pay, a virtual card works just like a physical card, with the added benefit that you can't lose it or steal it from your pocket or wallet.

Who can order a Bittoro Card?

Currently, only citizens of the European Economic Area (EEA) can order a Bittoro Card. To be eligible, you must also pass an identity check and meet the following criteria:
For a virtual card: maintain a portfolio balance of at least $50.
For a physical card: maintain a portfolio balance of at least $500 and a Platinum Loyalty level.
Important :
Only personal Bittoro accounts are eligible to order a Bittoro Card. The latter is not available for corporate/business accounts.
The Bittoro Card is not available to citizens or residents of certain jurisdictions in the EEA.

How can I order a Bittoro Card?

To place an order, you need to contact technical support.

How to activate the Bittoro card?

When you receive your card, you will need to activate it through the app before you can use it. To do this, follow these steps:
- Open the Bittoro mobile app.
- Go to the Map tab and follow the instructions.
- Select "Activate card".
Enter your PAN (the 16 digits on the back of your physical Bittoro card) and select "Activate Card".
Important: Your Bittoro card is contactless, but in order to activate the contactless feature, your first card transaction must be made using a chip and entering your PIN.

How to add a Bittoro Card to Apple Pay?

To add a new Bittoro Card to your Apple Pay wallet, follow these simple steps:

Open the Apple Wallet app:
- Click the "+" button in the top right corner and then "Debit or Credit Card". Scroll down the pop-up list and select "Add another card".
- Click "Continue".
- If you add your physical Bittoro Card, you can scan it. If you want to add a virtual card, click "Enter card details manually".
- On the first screen, write down your "Name" and "Card Number". On the second fill in "Expiration date" and "Security Code" (CVC). This data can be found in the Bittoro app and on the back of your Bittoro Card (if physical).
- On the next screen, accept the Apple Wallet terms and conditions.
- Select the card validation method and click "Next".
- You will receive an SMS with a confirmation code. Enter it in the Confirmation Code field and click Next.
Congratulations! Your Bittoro card has been successfully added to your Apple Wallet and is ready to use.
You can now set it as your default shopping card by tapping, holding and dragging the card in front of other cards.
Add Bittoro Card to Apple Watch:
- Click the "Add Now" button.
- Wait until your Bittoro Card is added to Apple Watch. Once this process is complete, you can start using your watch for contactless payments.

How to add Bittoro Card to Google Pay:

How to add Bittoro Card to Google Play Store:
To add a new Bittoro Card to Google Play, follow these steps:
- Open the "Google Play Store" app on your mobile phone.
- Open the "Google Play" menu and go to the "Payment Methods" tab:
- After that click "Add credit or debit card":
- Follow the instructions on the screen.

How does the Bittoro card work?

The Bittoro Card acts like a credit card and is pegged to Bittoro's instant cryptocurrency credit lines. All purchases are automatically deducted from your available credit using your digital assets as collateral for the loan. The interest rate on the loan depends on your loyalty program level and you can repay the loan at any time without requiring fixed payments.

How do I make payouts with my Bittoro Card?

Each time you make a purchase, the amount is added to your outstanding credit. Therefore, you just need to make the redemption in the usual way - click on the "Redeem" button on the account page or on the toolbar in the Bittoro app and select your preferred method of redemption.
Our standard policy of charging additional interest for repayments made within 30 days of the last withdrawal does not apply to loans received with the Bittoro Card. This means that if you have only made purchases with the card without relinquishing your line of credit using the Borrow feature on the platform, no additional interest will accrue for the remaining 30 days in the event of early repayment.
If you have taken out a loan on the platform within the last 30 days, Bittoro Card purchases will not reset the 30-day period. However, keep in mind that the outstanding credit from spending with the Bittoro Card will be combined with your open line of credit. Therefore, if you are due to fully repay your outstanding loan less than 30 days after your last loan withdrawal, additional interest will apply to the total repayment amount, including credit earned from Bittoro Card purchases.
Example:
You take out a $100 loan through a loan program on January 1st.
After that, on January 10, you make a purchase with the Bittoro Card, which generates a $200 loan.
If you are due to repay the total outstanding amount of $300 on January 25th, additional interest will accrue on the same repayment of $300, but only within the 5 remaining days, as the Bittoro Card purchase did not reset the 30-day period.

Why is there an internal transfer from savings to a credit line wallet when making a purchase with a Bittoro card?

Assets can be automatically transferred from the savings wallet to the line of credit wallet if you do not have enough collateral assets in the line of credit wallet to support the credit received from the purchase.
If you wish to select the cryptocurrency to be used to secure the loan before making a purchase, you can manually move your preferred assets to the Line of Credit Wallet. Just follow the instructions in this article.

Why was my Bittoro Card purchase deducted from my Available Credit but I can't repay the amount?

Whenever you make a purchase with a Bittoro Card, the merchant has up to 45 days to claim the funds. This process usually takes no more than a few days, but until then the card transaction will be pending in the Transactions tab and the amount will not be added to your outstanding credit. This is why you may notice that the purchase has been deducted from your Available Credit, but the amount is not yet available for redemption.
Please note that during this time, interest will accrue on the credit generated by the purchase, which will also be added to your outstanding credit once the card transaction has been approved.
If the seller does not claim the funds within 45 days, the transaction will be rejected and no credit or interest will be charged.
The above also applies to post-purchase cashback - your BTC or BITTORO reward will be credited to the respective balance after the card transaction is confirmed.

Why didn't I receive cashback for my purchase?

The minimum cashback payout is $0.01 and amounts below this amount cannot be processed, so it may happen that the value of your purchase generated cashback less than $0.01.

What crypto rewards will I receive with my Bittoro card?

With every purchase made with your Bittoro Card, you will receive instant cryptocurrency rewards as part of our loyalty program. The more BITTORO tokens you have in your account, the higher the percentage of the transaction amount that you will receive back when using the card. Each loyalty tier has its own cryptocurrency reward rate - here's the breakdown:
Platinum: 2% in BITTORO tokens or 0.5% in BTC.
Gold: 1% in BITTORO tokens or 0.3% in BTC.
Silver: 0.7% in BITTORO tokens or 0.2% in BTC.
Base: 0.5% in BITTORO tokens or 0.1% in BTC.
Please note that the minimum cashback payout is $0.01. Amounts below $0.01 cannot be processed.
The currency of your cashback is up to you and can be changed at any time, as often as you like.

What are the limits and fees of Bittoro Card?

There are no monthly, annual or inactivity fees for both physical and virtual Bittoro Cards.

How many free ATM withdrawals am I allowed per month?

Depending on your loyalty level, you can get up to 10 free payouts:
Basic: 1 free withdrawal
Silver: 3 free withdrawals
Gold: 5 free withdrawals
Platinum: 10 free withdrawals
Once you run out of free withdrawals, you will only be charged €1.99 / £1.99 for each additional withdrawal until your monthly limit is reset again.

Are there any fees for foreign transactions?

Depending on your loyalty level, you can get up to €20,000 / £20,000 in free overseas transactions:
Basic: no currency exchange fees up to €3,000 / £3,000 per month.
Silver: up to €5,000 / £5,000 per month with no currency exchange fees.
Gold: up to €10,000 / £10,000 per month with no currency exchange fees.
Platinum: up to €20,000 / £20,000 per month with no currency exchange fees.
Once you reach your currency exchange limit, you will be charged a 0.5% foreign transaction fee until your monthly limit is reset again.
Restrictions
Transaction limits:
Monthly: up to €60,000 / £54,000
Daily: up to €10,000 / £9,000
Per transaction: up to €10,000 / £9,000
ATM withdrawal limits:
Monthly: up to €10,000 / £9,000
Daily: up to €2,000 / £1,800
Per withdrawal: up to €600 / £540

How can I freeze/unfreeze my Bittoro Card?

For added security, Bittoro offers you the option to freeze your Bittoro Card when not in use. You can do this quickly and without problems through the website.

How do I block my Bittoro card if it is lost, stolen or destroyed?

If you are not sure where your Bittoro card is, we recommend that you immediately freeze it in the Bittoro app. This will protect you from all unauthorized transactions and you can instantly unfreeze the card at any time. If your Bittoro card is not found within 3 days or is destroyed/inflated by an ATM, you can deactivate it through the Bittoro app. This is a permanent action and after that you will be given the option to order a new card.

Where can I see my Bittoro Card details?

Your Bittoro Card details (cardholder name, card number, expiration date and CVC) can be found on the back of your physical Bittoro card.

My Bittoro Card has not arrived yet. What am I doing?

Cards are usually shipped within 2 business days after an order has been placed. While most customers receive their item within 7 business days of being shipped, it may take up to 4 weeks depending on the country.
If your card has not arrived within a month of placing your order, we recommend waiting a few more days to ensure it arrives promptly. Usually, when a card arrives late, the reason is simply a delay in delivery. This may be due to holidays, problems with postal and courier services, weather conditions, etc.
If your Bittoro card is not delivered after this, please contact our customer service team.

Why is the contactless feature of my Bittoro Card not working?

If you notice that the contactless feature of your Bittoro Card is not working, there are several possible reasons:
Sometimes some card terminals do not accept contactless payments. Make sure the terminal you are using has this feature.
If this is your first time using a Bittoro Card, be sure to use the chip and PIN code before attempting contactless payment for the first time.
If you haven't used the chip and PIN on your card recently, you may have exceeded your contactless limit. Simply entering your PIN should fix the problem and you should be able to use contactless again. The PIN is required after every 5 transactions you make or every time you spend €150, whichever comes first.
If you think your card is damaged in any way and this is causing a malfunction, you can always order a brand new Bittoro Card, although you will have to wait for it to be delivered. Refer to this article on how to reorder a card.

Which merchants are not supported by Bittoro Card?

(Merchant Category Code (MCC)), (Included in this MCC), (Description)
- 4829 - Transfer money -
A transaction in which funds are delivered or made available to a person or account. Such transactions include non-individual transactions, such as over the Internet.
6010 - Manual Cash Out - Customer Financial Institution - Used only to identify face-to-face transactions in which the cardholder uses a Mastercard with a Mastercard customer's financial institution to receive a manual ("OTC") cash payment, to open or fund a deposit account, or to to buy travelers checks, foreign exchange, money orders, precious metals, or savings bonds.
6051 - Quasi Cash - Merchant - Denotes the purchase of traveler's checks, foreign exchange or money orders, or the use of a Mastercard to open or fund a deposit account at a location other than the location of the Mastercard customer's financial institution. This MCC can also be used to identify transactions in which a merchant accepts a Mastercard to pay for an existing debt, such as a private label card or a car loan.In addition, this MCC must be used to identify transactions related to the purchase of cryptocurrency.
6529 - Remote Stored Value Load - Participating Financial Institution
6530 - Stored Value Remote Load - Seller
6534 - Money Transfer - Participating Financial Institution
6535 - Purchase of Value - Participating Financial Institution
6538 - Mastercard MoneySend Payment Transaction - Identifies a MoneySend payment transaction in which the cardholder uses a Mastercard to fund a MoneySend payment transaction.6540 - POI Recharge Transactions (excluding MoneySend) - Identifies a transaction made by a card acceptor providing any of the following services:
A service in which funds are delivered or made available to a person or account;
Crediting funds to an account, except to the extent that the funds are to be used for sales described by any of the MCCs listed in the paragraph below; or
Loading funds to a stored value or prepaid card.
MCC 6540 cannot be used to identify any sale other than as described, including, by way of example, but not limited to: gambling; operations with video text; sale of any prescription drug or sale of any tobacco product.
6760 - Savings bonds

My Bittoro Card is about to expire. What do I need to do?

You can find the expiration date of your Bittoro card on the back of the card itself and in the Bittoro App > Card > Card Details.
If your physical Bittoro Card is about to expire, you can deactivate it and order a new one by following the steps in this article.
If your virtual Bittoro Card is about to expire, you can remove it from the Bittoro app and request a new one.

What should I do if an ATM swallowed my Bittoro Card?

If your Bittoro Card is swallowed by an ATM, we recommend freezing it immediately.
Since Bittoro is not responsible for such events, we are unfortunately unable to obtain your card for you. If you want to know more about why the ATM swallowed your card, you need to contact the company that owns the ATM.

If you don't see the answer to your question, please email us.
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Frequently asked Questions

We have collected the most frequently asked questions from Bittoro Arbitrage Group partners.

How to verify your identity?

To access all Bittoro products, you need to verify your identity. Our verification process is simple, intuitive, and usually only takes a few minutes.
The information provided is used for identity verification purposes only. Your data is always encrypted and stored securely in our system.

How to complete the address verification?

In order to be fully compliant, Bittoro may require you to complete an address verification in order for you to enjoy the full range of our platform services.
The information provided is used for identity verification purposes only. Your data is always encrypted and stored securely in our system.
To complete the verification process, you will need a document confirming that you are a resident of the address you provided when filling out the "Personal Information" data.
The document must contain the following information:
- First and last name
- Full address
- Information about the issuing authority and logo
- Date of issue within the last 90 days
Supported documents from our partner Jumio:
- bill of the Council
- Credit Card Statement
- Rental agreement
- Application for retirement
- Tax return
- Utility bill

Why do I need to verify my identity?

Because Bittoro is a fully regulated digital asset institution in all of the 200+ jurisdictions in which it operates, the company is required to operate under a business rule known as KYC (Know Your Customer).
KYC verification is simply a verification of the identity of our clients and an anti-money laundering, fraud and corruption measure.
Conducting KYC checks allows us to work seamlessly with our banking / financial partners,
and is also performed for your own security, providing an additional layer of security and preventing unauthorized receipt of your tokens.
Bittoro products are only available after you have verified your identity. Once your account has been verified, you will be able to unlock all platform features:
The verification process is quick and intuitive, and to make it as easy as possible, we have partnered with the leading identity verification provider, Jumio.

What do you do with personal information from KYC verification?

Please note that Bittoro only requires personal data for KYC and AML checks and does not share this information with other third parties, including for advertising purposes.
As an ISO 27001 certified organization, Bittoro has strict procedures in place to ensure the privacy of customer data.

What documents are needed to verify identity?

The identity verification process is very simple, fully automated and usually only takes a few minutes. You will find instructions on how to fill it out in our dedicated article.
For the "Personal Information" portion of the screening, you will be asked to provide your legal name, residential address, employment details, and telephone number.
To complete the second part - “Identity Verification”, you will need a high-quality photo of a government-issued ID card (a passport is best), and you will also be asked to take a selfie.
Please note that our partner Jumio accepts other less common government documents.
It is important that the name you enter on the verification form matches the name on your ID.

Can I open a corporate/business account with Bittoro?

Bittoro offers corporate/business accounts to companies.
To open such an account, the applicant must:
- Fill out this form and provide the specified documents
- Open a Bittoro account
- Full identity verification
- In addition, please provide us with a detailed description of your business.
Important: A Bittoro corporate/business account cannot use a Bittoro card.
Please feel free to contact us if you have any further questions.

Why was my identity/address verification rejected?

If our automated identity verification service rejected the documents you provided to complete your identity verification, the possible reasons could be:
- The images you uploaded are of poor quality.
- The front or back of an identity document is missing.
- The document is expired, damaged or unreadable.
- You sent photos of screenshots/copies/scans of a real document.
- The document is not supported.
Before attempting identity verification again :
Make sure your ID is up to date and visible - try using a higher quality photo and don't upload cropped screenshots.
Consider using a different document - you can check the supported documents for your country in this article.
If the proof of address you provided was not accepted, it may be due to one of the following reasons:
- The absence of the front or back of the document.
- Missing or inappropriate names and addresses.
- The date of issue of the document was more than 90 days ago.
- The document has been damaged, altered or unreadable.
- You sent screenshots/copies of a real document.
- The document is not supported.
Before attempting address validation again, make sure your document contains the following data:
- First and last name
- Full address
- Information about the issuing authority and logo
- Date of issue within the last 90 days

I tried to verify my account but found an error. What can I do?

Sorry, you're having trouble verifying your Bittoro account.
Try the following troubleshooting steps:
- log out and log back in to your Bittoro account;
- clear the cache and cookies of your browser or enter the "private" / "incognito" mode;
- disable all built-in translation add-ons/widgets and ad blockers (if any);
- try with another browser;
- if you are using the Bittoro app, uninstall it and reinstall it; you can also try using an alternative device (phone, PC, laptop, etc.) or try using a different internet connection;
- if you are using the app, try the web platform and vice versa.
If the above troubleshooting steps do not help, please contact our support team for further assistance. In this case, you will need to provide all the necessary information and screenshots that best describe the situation you are facing.

Who provides KYC services from Bittoro?

Bittoro has partnered with Jumio to ensure the highest KYC/AML standards and automation. Jumio is a leading provider of identity verification services and works with global clients including Monzo, Rappi, HSBC and many more. Its machine learning technology automates the verification process to provide Bittoro users with fast results.

I did not receive a confirmation email to verify my email address. What should I do?

Please check all folders, especially the Spam and/or Junk Mail sections. If you still can't find it, add support@Bittoro.com to your contacts, wait until 60 seconds have passed and click Resend Email.
If you log out of your Bittoro account before verifying your email address, you will be prompted to do so when you log in. If you still haven't received a confirmation email, please contact us.

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Frequently asked Questions

We have collected the most frequently asked questions from Bittoro Arbitrage Group partners.

Explanation of the source of wealth/funds/cryptocurrency

As part of our ongoing commitment to meeting our regulatory obligations, there are times when we need to collect additional information and supporting documentation about our clients' Source of Wealth and the Source of Funds/Assets they may have or intend to fund with us.
In some cases, we may need to suspend certain activities on your account until verification is complete.
We hope that the information below will answer your questions about the verification process and will facilitate faster and more efficient communication between you and us and therefore a faster completion of the verification.

What is a Source of Wealth Request (“SoW”)?

Source of wealth describes the origin of your accumulated wealth or general wealth (i.e. how you got your funds/assets). SoW does not refer to the location of funds (such as a bank account), but to the activity or reason that allows you to accumulate these funds.

For example, SoW could be a sale of real estate or, in many cases, employment income accumulated over past periods.

What is a source of funds ("SOF") request?

Source of funds is the source of initial and current funds used for your business transactions with Bittoro. For example, the SOF you used to fund your Bittoro account could be your income from work. Note. In some cases, your SoW and SOF may be the same. For example, you have accumulated your SoW from years of work income and your SOF for a specific deposit with Bittoro is your current salary.

In these cases, the supporting documents you provide must support both the SoW and SOF.

What is the source of a cryptographic request?

The source of the crypto relates to when and where you purchased your crypto assets.

What documents can be provided for these checks?

The following is a partial list of acceptable documents:
- Fiat source of wealth and source of funds supporting documents for individuals;
- Employment income - recent payslips or bank statement showing income from employment for at least the last three months or personal income tax return for the last financial year;
- Investment - investment report(s), certificate(s) or agreements and bank statement clearly showing the income from the investment, or a letter from a financial adviser detailing the nature of the investment and bank statement(s) clearly showing the income from investments;
- Dividends or profits from the company - the company's latest annual reports/financial statements (audited, if any) and bank statements that clearly show income from dividends or dividends and bank statements that clearly show income from dividends;
- Loan - a loan agreement(s) or a bank statement(s) and bank statement clearly indicating the deposit(s) under the Loan;
- Sale of Assets - a notarized contract of sale (signed by all authorized parties) or other document reflecting the sale of the asset(s), and a bank statement showing the income from the sale of the asset(s);
- Inheritance/insurance/gift - a copy of the will/check/grant or will and bank statements reflecting the received insurance inheritance, insurance or gift or a notarized letter from the donor and bank statements reflecting the received insurance inheritance, insurance or gift;
- Retirement - a bank statement showing income from retirement for at least the last three months.

Fiat source of wealth and source of funds supporting documents for corporate clients?

- Corporate income - the latest annual reports/financial statements of the company (audited, if any) or corporate income tax return for the last financial year;
- Investment - investment report(s), certificate(s) or agreements and bank statement clearly showing the income from the investment, or a letter from a financial adviser detailing the nature of the investment and bank statement(s) clearly showing the income from investments;
- Dividends or profits from the company - the company's most recent annual reports/financial statements (audited, if any) and bank statements that clearly show income from dividends, or dividend statements and bank statements that clearly show income from dividends;
- Loan - Loan agreement(s) or bank statement(s) and bank statement(s) clearly identifying the deposit(s) under the Loan;
- Sale of Assets - a notarized contract of sale (signed by all authorized parties) or other document reflecting the sale of the asset(s), and a bank statement showing the income from the sale of the asset(s);
Source of supporting documents on cryptography (individual and corporate clients);
- Crypto assets purchased on crypto exchanges/brokers;
- Transaction Report or Screenshots reflecting purchase and withdrawal confirmation, as well as displaying your account ID and all transaction details; or Confirmation emails confirming purchase and withdrawal; or Receipts confirming the purchase (for example, using OTC);
- Trading profit from exchanges/brokers Screenshots of transaction history showing profit; or History of transactions with withdrawal of funds to Bittoro; or screenshots of the exchange/broker account showing your account details;
- Income from services (eg affiliate income or other services) Detailed description of the service; as well as Receipts for services that were paid in cryptocurrencies; as well as Explanations of the origin of the cryptocurrency used for payment transactions; as well as Screenshots of your wallets, which show their current income; as well as Screenshots of your transaction history and withdrawal history;
- Initial coin offering (“ICO”) and token sale;
- A copy of the contract or agreement confirming payment in cryptocurrency, as well as
The full name of the ICO, as well as the website of the corresponding project; as well as the Transaction History
documenting the purchase and withdrawal of the token (wallet addresses and transaction ID); as well as
Bank statement if fiat currency was used for investment; and
Confirmation emails showing the purchase;
- Mining Checks for the purchase of mining equipment, which display the addresses of the buyer and seller; or Statements of operating expenses (for example, electricity bills), also issued in your name; or Screenshots of income and rewards from mining; or Screenshots showing transaction history from and to wallets, showing wallet addresses and transaction IDs (self-made "Excel lists" are not accepted);
- Rates (master nodes) Screenshots of the history of transactions, which show deposits, withdrawals and profits; And Screenshots of the history of transactions, which show the conclusions on Bittoro; as well as Wallet addresses and transaction IDs;
- Airdrops Screenshots of the history of transactions, which show deposits, withdrawals, as well as wallet addresses and transaction IDs;
- Exchange of coins or tokens;
- Screenshots of transaction history (wallet addresses and transaction IDs);
- Lending and liquidity pools;
- Screenshots of transaction history (wallet addresses and transaction IDs). Please specify where you placed the assets as collateral, as well as how much and where the collateral that is being used came from.

How do I submit supporting documents?

We will notify you by email if we need any information about your funds/assets. The email will contain detailed instructions on how to send us your documentation.
When responding to our request, please ensure that you do so from the email address registered in your Bittoro account in order to provide a more efficient service.
All personal information sent to Bittoro is strictly confidential. More information about our privacy policy is available here.
If you have any questions, please contact our in-app support, website, live chat, or email support@Bittoro.com .

Where is Bittoro registered and is it regulated?

Bittoro Group has legal entities in different locations around the world to serve more than 200 jurisdictions in the most efficient manner and in accordance with all applicable global and local regulations.
Please be assured that Bittoro complies wherever it provides services and employs first-class lawyers in the jurisdictions in which it operates. All aspects of Bittoro's activities are reviewed by the relevant legal and compliance teams before execution.

In which jurisdictions is your product available?

While Bittoro is a global company, there are certain jurisdictions where we do not operate:
Central African Republic
Cuba
Estonia
Iran
US State of New York
US state of Vermont
North Korea
Syria
Please note that some products and/or services may not be available in certain jurisdictions. For more information, please see the relevant Terms on our website.

Bittoro Termination Policy:

If the relationship with a client is to be terminated, Bittoro will notify the relevant account holders prior to the suspension and termination of services to ensure the safety of client funds and allow them to close existing loans and subsequently withdraw any remaining funds to an address of their choice,
unless prohibited by applicable law or court order, including but not limited to where we have reasonable grounds to suspect,
that the funds were obtained through fraud or any illegal means or connected with any criminal activity.

Support and troubleshooting:

- How to open/create a Bittoro account?
Opening an account with Bittoro is easy and intuitive. Follow these steps with screenshots to create and activate your Bittoro account in minutes:
- Go to https://Bittoro.com/
- Click "Create an account".
- Enter your email address and choose a strong password, then click the Create Account button.
- After clicking the "Create Account" button, you will be asked to verify your email address by clicking on the link in the email that was sent to the email address you used when registering your Bittoro account.
- You should now be logged into your Bittoro account. Congratulations!

Forgot password

To reset your password, follow these steps:
- Click the "Forgot password" button on the login screen.
- A new window will open where you must enter the email address you have registered with your Bittoro account.
- Instructions for setting a new password will be sent to the email address you registered with your Bittoro account.

Are you hired?

The Bittoro team strives for excellence in every possible aspect to ensure the best possible user experience for Bittoro's crypto-backed instant loans and Earn product.
We are always looking for like-minded, talented, motivated people driven by the desire to exceed expectations in a very difficult but very rewarding job. So, take a moment and write us a few lines about why you deserve to be in the ranks of Bittoro.

Does Bittoro work on weekends and holidays?

Bittoro crypto loans are issued instantly and are guaranteed 24/7.
Customer support is also available 24/7.

How can I contact support?

You can contact our customer service:
- Send email to support@Bittoro.com

How to file a complaint?

Bittoro is committed to building and maintaining strong relationships with our clients, which is why we take our clients' comments, suggestions, and concerns seriously. We consider customer feedback and complaints as a means to improve our services and products, and to improve our customers' overall experience at Bittoro.
In the unlikely event that our customers are dissatisfied with the services provided by Bittoro, they have the right to express their dissatisfaction by sending their complaints directly to us.

How to file a complaint?

Contact support@bittoro.com
In the Description field, make sure you include all relevant information regarding your application, as well as a clear description of the facts. Please also attach any other supporting documentation that may be helpful to us in reviewing your claim.

When will you hear the answer?

Upon receipt of your complaint, we will notify you by sending a confirmation email to the email address registered in your Bittoro account. We deal with all complaints promptly and impartially and strive to respond within five (5) business days. If we are unable to provide a resolution within this time period, we will continue to update you on the progress of your complaint.
Important:
Bittoro has the right to withhold or not classify a complaint as such under circumstances including but not limited to:
- If the complaint concerns services/features/forks/airdrops or other events that are beyond the control of Bittoro and depend on third parties.
- If the complaint concerns services/features announced by Bittoro, but still under development and not available at the time of the complaint.
- In case the complaint concerns a business or a decision of the regulatory authorities to terminate the business relationship with a registered customer.
- In case the complaint is related to the availability of the email/Internet service provider of any of the Bittoro partners.

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