Crypto Lending

Crypto lending is the practice of lending crypto-assets through a decentralised protocol or a centralised operator, with the lender receiving rewards.

In decentralised protocols, operations are managed by smart contracts. Platforms such as Aave allow users to borrow by providing collateral.

Rewards are variable and involve specific risks, including smart contract vulnerabilities and default risk.

Disclaimer: Young Platform does not offer the lending services described in this entry. Decentralised lending protocols do not fall within the scope of crypto-asset services regulated by Regulation (EU) 2023/1114 (MiCAR) and are not subject to the corresponding regulatory protections. For details on the services actually provided by Young Platform, please refer to the General Terms and Conditions.

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Crypto-asset services. Crypto-asset services are provided by Young Platform S.p.A., with registered office at Via F. Cigna 96/17, 10155 Turin, Italy. Young Platform S.p.A. is authorised by Consob and Banca d'Italia to operate as a Crypto-Asset Service Provider (CASP) under Regulation (EU) 2023/1114 (MiCAR), for the provision of the following services: the custody and administration of crypto-assets on behalf of clients; the exchange of crypto-assets for funds; the exchange of crypto-assets for other crypto-assets; the execution of orders for crypto-assets on behalf of clients; the placing of crypto-assets; providing advice on crypto-assets; providing portfolio management on crypto-assets; providing transfer services for crypto-assets on behalf of clients. YNG Token Issuer. Young Platform S.p.A. is the issuer of the YNG Token, a utility crypto-asset within the meaning of Article 4 of Regulation (EU) 2023/1114 (MiCAR), other than asset-referenced tokens (ART) and e-money tokens (EMT). The features, rights, operational functions and risks of the YNG Token are described in full in the White Paper notified on 17 April 2026 (DTI: RGN2XS8ZG). Contractual Documentation. For the contractual and economic terms and conditions, please refer to the Information Sheets and the Terms & Conditions. For details of the Young Platform group entity providing services to you, please consult the Terms & Conditions. For support enquiries, please contact us via Customer Support. Payment Account. Young Platform S.p.A. is registered in the relevant Register as a Payment Services Agent of TPPay S.r.l. and is accordingly authorised by the Organismo Agenti e Mediatori (OAM) under identifier no. 205532, registration no. SP5627. TPPay S.r.l. is registered at no. 27 of the Register of Electronic Money Institutions (IMEL), Mechanical Code 36928, maintained by the Bank of Italy pursuant to Article 114-quater, paragraph 1 of Legislative Decree no. 385 of 1 September 1993, as subsequently amended (Consolidated Banking Act), with registered office at Via Serviliano Lattuada, 25, 20135 Milan (MI), Italy. Risk Warning. Crypto-assets are instruments characterised by high volatility and carry a significant risk of loss, including total loss, of the capital invested. Crypto-assets held do not benefit from the deposit guarantee schemes established under Directive 2014/49/EU, nor from investor compensation schemes under Directive 97/9/EC. Past performance and projections do not constitute a guarantee of future results. For an overview of the risks, please refer to the Risk Disclosure.

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