1. Scope

These Staking and Fixed-Term Savings Terms apply when you use staking, unbonding, reward, or fixed-term savings workflows on the Ohana Capital platform. They supplement the Terms of Service and Risk Disclosure. If there is a conflict for a staking or savings product, the product confirmation screen and these terms control for that product feature.

2. Nature of the products

2.1 Staking

Staking workflows may lock an asset or balance for a term, accrue modeled or protocol-linked rewards, and impose an unbonding or cooldown period before the balance becomes freely available again.

2.2 Fixed-term savings

Fixed-term savings workflows may lock a principal amount for a stated term at a stated indicative or contractual rate, with early-exit rules, penalties, or forfeiture conditions shown before confirmation.

Displayed APY, APR, rewards, and maturity values are product parameters for the selected term and asset. They are not a guarantee of future performance unless expressly stated as fixed for that confirmed placement.

3. Confirmation controls

Before a placement is accepted, the interface shows material parameters such as:

• Asset or account balance used
• Principal or quantity
• Term length and start conditions
• Indicative or contractual rate
• Early-unlock or early-withdrawal penalty
• Unbonding, maturity, or reward-claim rules

You are responsible for reviewing those parameters before confirmation.

4. Lock, unbonding, and early exit

During a lock or term:

• Funds or units allocated to the product may be unavailable for trading or withdrawal
• Early exit, if offered, may reduce rewards or apply a penalty
• Unbonding or maturity processing may take additional time after a request

If early exit is not offered for a product, the balance remains committed until maturity or scheduled release.

5. Rewards and interest

Rewards or interest may:

• Accrue continuously, periodically, or at maturity according to product rules
• Be subject to claim, credit, or auto-compound settings
• Be adjusted for fees, network conditions, or product policy changes where permitted by the Terms

Tax treatment of rewards or interest depends on your circumstances. Ohana Capital does not provide tax advice.

6. Risks specific to these products

Material risks include:

• Market price risk on the underlying asset during lock periods
• Opportunity cost while funds are locked
• Early-exit penalties
• Operational, smart-contract, custodial, or provider risk for digital-asset products
• Changes in protocol rules, inflation, or reward schedules
• Delay or failure in unbonding, maturity credit, or reward distribution during incidents

See also the Risk Disclosure.

7. Fees and penalties

Any product fee, early-unlock penalty, network fee, or service charge applicable to a placement is disclosed in the fee schedule or confirmation flow. No undisclosed fee should be inferred solely from this document.

8. Changes and suspension

Ohana Capital may modify, suspend, or discontinue a staking or savings product, change eligible assets or rates for new placements, or pause claims during maintenance, risk events, or legal requirements. Existing confirmed placements are handled according to the terms shown at confirmation unless a change is required by law or expressly communicated.

9. Related documents

• Terms of Service
• Risk Disclosure
• Fees
• Liquidity Advance Terms (only when a liquidity advance is separately offered)