SaviCoin Platform T+N Restriction Rules

1. What is the T+N Withdrawal Restriction?

To ensure the security of user funds, prevent fraud risks, and abnormal fund flow activities, the SaviCoin platform implements a T+N withdrawal restriction mechanism for digital assets purchased through OTC / C2C trading, as well as for accounts that have modified security settings.

This mechanism requires that digital assets obtained through OTC / C2C trading, or assets in accounts after security settings are modified, must be held in the account for a certain period (N days) before they can be withdrawn or transferred out.

The T+N restriction mechanism is mainly used to:

• Prevent rapid transfer of fraudulent funds

• Reduce the risk of account theft

• Identify abnormal transaction behavior

• Enhance the platform’s overall risk control capability

• Protect user asset security

During the restriction period, the platform’s risk control system will conduct risk reviews and dynamic monitoring of the related accounts and transaction activities.

2. Detailed Explanation of the T+N Restriction Rules

1. Applicable Users

The following users will trigger the T+N withdrawal restriction:

• Users who purchase digital assets through SaviCoin platform OTC / C2C trading

• Users who modify account security settings

Including but not limited to:

• Changing the bound phone number

• Changing the bound email address

• Changing the login password

• Changing the fund password

• Disabling or changing security verification methods

• Other important operations related to account security

2. Restricted Operations

During the restriction period, the restricted assets cannot be used for the following operations:

• On-chain withdrawals to external wallets

• Internal transfers within the platform

• Selling transactions on OTC / C2C markets

• Merchant advertisement order sales

• Other high-risk fund transfer behaviors identified by the platform

3. Restriction Duration

The platform’s default basic restriction duration is:

T+1 day

That is: after completing an OTC / C2C transaction or modifying security settings, users must wait 1 day before withdrawing.

At the same time, the platform’s risk control system will dynamically adjust the restriction period based on the account’s risk status. In some high-risk cases, the restriction period may be extended to:

• T+2 days

• T+3 days

• Or longer

The specific restriction duration is subject to the system page prompt.

4. Unlocking Mechanism

The T+N restriction mechanism uses an independent calculation method:

• Each OTC / C2C transaction’s restriction time is calculated separately

• The restriction period starts from the order completion time

• After modifying security settings, the restriction time will be recalculated

• If the account risk level changes, the system may update the restriction time for assets not yet unlocked accordingly

The platform reserves the right to dynamically adjust the restriction rules as needed for risk control.

3. Instructions on Using Restricted Funds

1. Fund Status

Restricted funds will still be displayed in the user’s spot account total assets.

The account balance display is not affected.

2. Usage Restrictions

During the lock period, restricted funds:

• Are not counted toward the withdrawable amount

• Cannot be transferred out to external addresses

• Cannot be used for internal transfers

• Cannot be used for OTC / C2C sell transactions

3. Allowed Uses

During the restriction period, restricted funds can still be used for the following scenarios:

• Spot trading

• Contract trading margin

• Platform financial products or event participation

• Other internal trading functions permitted by the platform

4. Purpose of Implementation

1. Fund Security Assurance

The T+N restriction mechanism is mainly used to:

• Prevent rapid transfer of fraudulent funds

• Reduce fund risks after user accounts are compromised

• Prevent money laundering and illegal fund flows

• Enhance the security level of user assets

2. Platform Risk Control Optimization

Through the T+N mechanism, the platform:

• Gains a necessary time window for risk review

• Identifies abnormal account behaviors

• Strengthens the platform’s AML / CFT risk control capabilities

• Maintains a fair, safe, and healthy trading environment

• Protects the rights and interests of legitimate users and merchants

5. Special Notes

1. Manual Review and Appeal Mechanism

If users need to lift the restriction early due to special circumstances, they can submit a review application through the platform’s online customer service.

The platform will decide whether to lift the restriction early based on a comprehensive assessment of:

• Account risk status

• Transaction records

• Identity verification status

• Fund source information

2. Risk and Violation Handling

If users engage in the following behaviors:

• Attempting to circumvent platform restriction rules

• Using abnormal accounts to transfer funds

• Providing false information

• Suspected of money laundering, fraud, or illegal fund transactions

The platform reserves the right to take measures including but not limited to:

• Extending restriction periods

• Restricting account functions

• Suspending withdrawal privileges

• Freezing accounts

• Cooperating with judicial and regulatory investigations

6. Final Statement

The SaviCoin platform will continue to improve its account security and risk control systems,

to provide global users with:

• Safer asset protection mechanisms

• More stable trading environments

• More comprehensive risk control services

For more details or any questions, please contact SaviCoin official customer service.