# Audit
Source: https://docs.talken.io/audits/audit
### Audits
Talken has gone through a rigorous audit by [HAECHI AUDIT](https://haechi.io/).
* Audit report: [https://drive.google.com/file/d/1OwPEF9IeLVmzAVBb1L91BjBNudDAehKj/view?usp=sharingg](https://drive.google.com/file/d/1OwPEF9IeLVmzAVBb1L91BjBNudDAehKj/view?usp=sharingg)
# FAQ
Source: https://docs.talken.io/getting-started/faq
Learn how to create your Talken Wallet account
Access DApps directly from Talken Wallet
Stake TALK tokens and earn rewards
### Talken Wallet
### 1. Sign Up / Sign In
**Q1. What platforms does Talken Wallet support?**
> Talken Wallet works on mobile, web, Telegram, desktop, and Chrome Extension.
>
> * Web: [wallet.talken.io](https://wallet.talken.io)
> * Telegram: [@talken](https://t.me/talken)
> * iOS / Android: Available on [App Store](https://apps.apple.com/kr/app/talken-wallet/id1459475831?l=en-GB) and [Google Play](https://play.google.com/store/apps/details?id=io.talken.wallet)
**Q2. Do I need to sign up to use Talken Wallet?**
> Yes. You can easily sign up and create a wallet using an email or SNS account (Google, Apple, Kakao, Naver, Facebook).
>
> If you already have a browser wallet, you can also sign up and log in simply by signing with your wallet.
>
> * Sign-up methods
> * Telegram: Email
> * Web: Email or Google account
> * Mobile app: Email or SNS account (Google, Apple, Kakao, Naver, Facebook)
**Q3. How can I use my Talken Wallet account (SNS ID) on Telegram?**
> If you signed up with an SNS ID, first verify the email linked to that account and set a password. Then log in on Telegram using your email and password.
**Q4. I forgot my password. What should I do?**
> * Email sign-up: On the mobile app login screen, tap **"Forgot your password?"** to reset your password.
> * SNS sign-up: Reset your password through the **account center of the respective SNS** (Google, Apple, etc.).
**Q5. I forgot my PIN.**
> PINs cannot be recovered. After changing your password, please set a new PIN.
### 2. Wallet Use
**Q1. How do I deposit or withdraw assets?**
> * Deposit: Main screen → Receive → Copy address → Send assets from external wallet
> * Withdraw: Main screen → Send → Select token → Enter recipient address → Sign and confirm
**Q2. What token is used for gas fees?**
> You need the **native token** of the network:
>
> * Ethereum → ETH
> * Solana → SOL
> * BNB Chain → BNB
> * Polygon → MATIC
> * Kaia → KAIA
**Q3. Does the network auto-switch when using DApps?**
> Yes. Talken Wallet uses **chain abstraction** to automatically switch to the DApp's network.
> If it doesn't, you can manually change it from the menu in the top right corner.
**Q4. How do I add or remove custom tokens or networks?**
> * Add token: \[+ Manage Tokens] → ⊕ → Enter contract address
> * Remove token: Token details page → Trash icon
> * Add network: Settings → Network settings → ⊕ → Enter network info
> * Edit/delete network: Custom network list → '>' → Edit or Delete
**Q5. Can I recover my wallet on another device?**
> Yes. Your wallet will be automatically restored when you log in with the same email or SNS account.
**Q6. Can I have multiple wallets under one account?**
> No. One account (email or SNS ID) is linked to one wallet address.
### 3. Earn (Rewards)
**Q1. What is the Earn feature?**
> The Earn page allows users to join events like Faucet, Invite & Earn, and Talken Missions and track their \$TALK rewards.
**Q2. How do I redeem \$TALK rewards?**
> 1. Go to More → Rewards and tap \[Redeem]
> 2. In the Points Hub, select the points to exchange and the Exchangeable Tokens or points to receive, then tap \[Exchange]
> 3. Receive \$TALK in your wallet
**Q3. How do I cash out my rewards?**
> * TALK (Ethereum): Swap to USDT/ETH or trade on exchanges like Bithumb or Gate.io
> * TALK (Kaia): Swap to KAIA and trade on Binance, Gate.io, etc.
### 4. Swap & Bridge
**Q1. Why did my swap fail?**
> * Not enough gas: You need more native tokens to pay for the fee
> * Slippage issue: Price changed too much beyond your allowed slippage (default: 1%)
> * Missing fee token: You need the native token (e.g., ETH for Ethereum, KAIA for Kaia)
**Q2. The bridge was interrupted. Why?**
> * Gas not enough:
> * Source chain: Lock/burn operations require gas
> * Destination chain: Mint/claim operations may require gas
> * Wallet disconnected or screen changed:
> * If you close the app or leave the screen, the transaction may fail
>
> **Solution:**
> Make sure you have enough native tokens.
> Do not leave the app while bridging.
> If the issue persists, contact Talken Support with your Tx Hash.
### 5. Staking
**Q1. How are staking rewards distributed?**
> Rewards are distributed every Thursday at 09:00 (UTC+9).
>
> * Accrued rewards: Rewards not yet claimable (can be claimed the following Thursday)
> * Claimable rewards: Rewards available for immediate claim
>
> When you claim, rewards are paid in TALK tokens, and an Ethereum gas fee (ETH) will be required.
**Q2. Are there any conditions to receive rewards?**
> Yes, to qualify for rewards for a given week:
>
> * You must start staking before Thursday 09:00 (UTC+9)
> * You must stake for at least 1 week
> * Your lock-up period must have at least 1 week remaining
**Q3. What should I be aware of when staking?**
> * You cannot withdraw TALK during the lock-up period
> * Once a staking position expires, it cannot be extended and rewards stop accruing
> * You can extend your staking period only before it expires
> * After the lock-up ends, you can unstake the full amount only (partial withdrawals are not supported)
> * All transactions (staking, claiming, etc.) require Ethereum gas fees
### 6. Security & Compatibility
**Q1. Do I need to store a seed phrase or private key?**
> No. Talken Wallet uses MPC (Multi-Party Computation), so no seed phrase or private key is generated or exposed.
**Q2. Is Talken Wallet non-custodial?**
> Yes. Talken is a non-custodial wallet, meaning you fully control your assets.
**Q3. What networks are supported?**
> Talken supports Ethereum, Solana, BNB Chain, Polygon, Kaia, Arbitrum, Avalanche, Mantle, and more. You can also add custom EVM networks.
**Q4. What languages are supported?**
> English and Korean are currently supported. You can change the language in Settings → Language.
# How to Participate in TALK Staking
Source: https://docs.talken.io/getting-started/how-to-guides/how-to-participate-in-talk-staking
This guide explains how to start staking TALK tokens using Talken Wallet.
## What is TALK Staking?
TALK Staking is part of [Talken Staking](/products/talken-staking), allowing you to lock your Ethereum-based TALK tokens for a set period and earn TALK rewards. The longer the lock-up period, the higher your rewards, while contributing to the growth of the Talken ecosystem.
Talken Staking also supports ETH (via Lido) and KAIA (via Kommune) staking.
**Available on:** Talken Wallet for Telegram, Mobile App, and Web
**Access:** [https://wallet.talken.io](https://wallet.talken.io)
***
## How to Use TALK Staking
Find and open the staking feature within your wallet.
* Go to TALK (Ethereum) token detail page → Click "Staking"
* Or go to top menu → Staking → Choose "TALK Staking"
Choose how many TALK tokens to stake and for how long.
* Enter the amount of TALK to stake
* Choose the lock-up period (up to 105 weeks)
TALK cannot be withdrawn during the lock-up period.
Staking is completed in two steps: **Approve → Stake**
* **Approve:** Authorizes the smart contract to use your TALK tokens → Enter PIN
* **Stake:** Creates your staking position after approval → Re-enter PIN
No separate transaction signing is required. Staking is completed with **two PIN entries**.
You can monitor your staking rewards and claim them weekly.
* **Accrued to Date:** Rewards earned but not yet available — claimable on the next Thursday
* **Available to Claim:** Rewards that can be claimed immediately
* Click **Claim** to receive TALK
* Rewards are distributed weekly on Thursdays based on the total staking pool
* Estimated APY: \~20% (actual rewards may vary by participation and duration)
* The longer the lock-up period and the more TALK you stake, the greater your reward
**Reward Eligibility** — To qualify for rewards in a given week, you must meet all the following:
* Position created before Thursday 09:00 (UTC+9)
* Lock-up period is at least 1 week
* At least 1 week remains in the lock-up period
You can extend your staking period to continue earning rewards. Longer staking periods may result in higher rewards.
* You can extend your lock-up period before it expires
* Active positions can be updated at any time
You cannot extend a position after it expires. Once expired, it stops earning rewards.
You can withdraw your staked TALK after the lock-up period ends.
* After the lock-up period ends, click **Unstaking**
* Enter your PIN to proceed with unstaking
* The entire staked amount will be returned (partial unstaking is not supported)
***
**Notes**
* APY decreases over time unless the lock-up period is extended
* You'll need to pay Ethereum gas fees for all transactions (staking, claiming, etc.)
# How to Recover Mobile Wallet
Source: https://docs.talken.io/getting-started/how-to-guides/how-to-recovery-mobile-wallet-copied-1
To recover an existing wallet, follow the guide below.
## Download App
***
## How to Recover Wallet
Recover using a previously issued Talken recovery document.
The recovery document issuance service has been discontinued. You can only use this method if you have a previously issued recovery document.
You must be logged in to the Talken account that created the wallet with the recovery document to use this option.
Tap the '+' button at the bottom center of the app main page, then select **'Talken QR Wallet'**.
Scan the wallet recovery QR code on your recovery document, then enter your recovery password. Once you enter the correct password, your wallet recovery will be complete.
Note\
. The recovery code is attached to the verification email you received when creating your wallet.\
. The recovery password must be 10–32 characters, including letters, numbers, and special characters.
Wallet recovery is complete. You can now use both **Talken QR Wallet** and **ABC MPC Wallet** through the 'Wallet Management' feature in the Talken app.
Recover your wallet using a mnemonic phrase from Talken Wallet, or register a new wallet using a mnemonic phrase from an external wallet like MetaMask.
Tap the '+' button at the bottom center of the app main page, then select **'Mnemonic Wallet'**.
Enter the 12-word Mnemonic (seed) phrase of the wallet you want to recover or your external wallet in the correct order. After entering the phrase, review the on-screen notice and proceed.
**The seed phrase is randomly created when you create a wallet and is provided only to you.** If you lose your seed phrase, there is no way to recover your account. Please write it down on paper and keep it safe.
Mnemonic phrases consist of 12, 15, 18, 21, or 24 words. Registration will fail if the format is incorrect.
Wallet recovery is complete. You can now use both **Mnemonic Wallet** and **ABC MPC Wallet** through the 'Manage Wallet' feature in the Talken app.
# How to Sign Up Talken Wallet
Source: https://docs.talken.io/getting-started/how-to-guides/how-to-sign-up-talken-wallet
## Getting Started — New to Blockchain Wallets?
If you're new to blockchain wallets, **Talken Wallet** lets you start easily and securely — no need to manage complicated recovery (seed) phrases.
**Talken Wallet** is a **secure Web3 wallet powered by MPC (Multi-Party Computation)** technology.
It keeps your assets safe without recovery phrases by distributing your private key across multiple parties. It provides a consistent experience across **Mobile, Web, Desktop, and Telegram**.
***
## Sign Up
Go to [https://wallet.talken.io](https://wallet.talken.io) and click **Connect Wallet**
Choose from Email, SNS (Google), or External Wallet connection.
Enter your email address and input the verification code sent to your email.
Set your password and complete the sign-up process.
Set a 6-digit PIN to use for transactions and signing.
Sign-up complete! You can find your account and UID in \[More], and your wallet address in \[⚙️ Settings].
Go to [https://t.me/talken](https://t.me/talken) and click **Start → Open Wallet → Launch Wallet**
Complete sign-up by verifying your email and setting a password.
Set a 6-digit PIN to use for transactions and signing.
Sign-up complete! You can find your account and UID in \[More], and your wallet address in \[⚙️ Settings].
***
## Sign Up with External Wallet (Web Only)
If you already use MetaMask, Phantom, or other external wallets, you can sign up by connecting your wallet directly or via WalletConnect.
Click on the wallet you want to connect (e.g., MetaMask) on the login screen.
Approve the wallet connection to complete sign-up.
# How to Use the Talken Web3 Browser
Source: https://docs.talken.io/getting-started/how-to-guides/how-to-use-the-talken-web3-browser
A guide on how to use the Web3 Browser. (Mobile App Only)
Tap the **Web3** tab at the bottom of the Talken Wallet app to open the Web3 browser. You can access Favorites, Open in browser, Home, Refresh, and Link sharing features.
Enter the Web3 App URL in the search bar, or choose a service from the featured categories:
* **Talken Ecosystem**: Officially recommended partner projects or special campaigns
* **Earn**: All ways to earn rewards within Talken
* **Top Apps**: Popular Web3 Apps frequently used by Talken users
When you access a Web3 App, a wallet connection prompt will appear. If required, select **Talken Wallet** or **MetaMask** to connect.
**Automatic Network Switching** - Networks are automatically switched based on the Web3 App. Some Web3 Apps may require manual selection.
When a transaction is requested (e.g., token transfer or swap), sign it using your PIN or biometric authentication. You can check the transaction status in the **History** tab.
In other Web3 apps, you can use various services such as DeFi, NFT, and games after connecting Talken Wallet in the same way.
# Partnership
Source: https://docs.talken.io/getting-started/partnership
### Official Contact Information for Business Partnerships
For any business partnership inquiries with Talken, please contact only the following authorized representatives:
* **Minsuj (CEO)**
* Telegram: [@minsuj](https://t.me/minsuj)
* **Talken Official Support**
* Telegram: [@TalkenTalk](https://t.me/TalkenTalk)
* Support (Zendesk): [https://talkensupport.zendesk.com/hc/en-us/requests/new](https://talkensupport.zendesk.com/hc/en-us/requests/new)
# What is Talken
Source: https://docs.talken.io/getting-started/what-is-talken
### Overview
Talken is an integrated Web3 ecosystem that supports both its own secure wallet based on MPC ([Multi-Party Computation](https://en.wikipedia.org/wiki/Secure_multi-party_computation)) technology and external wallet connections. It provides various services including wallet, swap, staking, rewards, missions, and points hub in one unified platform, enabling users to experience Web3 safely and conveniently.
* **Talken Wallet:** Talken Wallet is a secure multi-chain Web3 wallet powered by MPC technology. It supports popular chains including Bitcoin, Ethereum, and Solana, as well as external wallets like MetaMask, Phantom, or connections via WalletConnect. This technology eliminates the need for users to directly manage complex seed phrases, providing an intuitive and secure user experience without the risk of key loss or theft. Talken Wallet supports mobile, web, desktop, Telegram, and Chrome Extension environments, so you can manage your assets anytime, anywhere.
* **Talken Swap:** A cross-chain swap service that enables fast and affordable exchanges of tokens and stablecoins across multiple blockchains. It automatically compares major DEXs and bridges to find the optimal route, while maintaining a non-custodial structure where users always retain control over their assets.
* **Talken Staking:** A service that allows users to stake various tokens including TALK, ETH, and KAIA to earn rewards. TALK offers native staking to contribute to the Talken ecosystem's growth and earn rewards, while ETH integrates with Lido, and KAIA connects with Kommune protocol.
* **Talken Rewards:** A reward service where users earn reward points through activities in the Talken Wallet ecosystem and convert them to TALK tokens.
* **Talken Missions:** A gamified marketing platform where users complete quests provided by Talken and its partners to earn rewards. Through mission completion, users gain opportunities to earn rewards while naturally experiencing new Web3 services and participating in the ecosystem.
* **Talken Points Hub:** A point hub where users can check reward points earned through Talken Wallet partner companies and convert them to other partners' points or cryptocurrencies. Users can easily view their reward conversion history in one place.
* **Talken Governance:** A DAO-based governance system that allows TALK token holders to directly participate in Talken's major decision-making. Community members determine the future of the ecosystem through proposal submissions and voting, including Talken Treasury operations, with all activities based on transparency and fairness.
* **Talken Kit:** A wallet integration tool that enables external websites and apps to offer Talken Wallet login and blockchain features. Partners can use Talken Kit to provide users with easy blockchain access through email and social login, while also supporting 65+ existing wallets like MetaMask.
* **Talken API:** The core infrastructure that powers all Talken services. Swap, wallet, staking, gasless execution, and other features are available as APIs for partners to integrate into their own services.
* **Talken Agentic Wallet:** A multi-chain wallet designed for AI agents to trade, swap, stake, and operate on-chain. Built on the same MPC security as Talken Wallet, it enables agents to independently perform cross-chain transfers, Hyperliquid trading, Polymarket prediction markets, and more.
### Learn More
* Website: [https://talken.io/](https://talken.io/)
* Telegram: [https://t.me/talken\_updates](https://t.me/talken_updates)
* X: [https://x.com/Talken\_](https://x.com/Talken_)
* Discord: [https://discord.gg/S33c5DA9cW](https://discord.gg/S33c5DA9cW)
* Medium: [https://talken-io.medium.com](https://talken-io.medium.com)
# Why Talken?
Source: https://docs.talken.io/getting-started/why-talken
### **Our Vision: Fundamentally Solving Web3 Entry Barriers**
While the blockchain environment has continuously evolved, it still feels difficult and complex for many users. Talken's vision is clear: to provide a safe Web3 experience without complex key management through MPC technology, and to enable anyone to easily participate in the Web3 ecosystem through integrated services. Talken Wallet is our core achievement in realizing this vision.
### **Why Choose Talken Wallet?**
* **MPC Technology-Based Web3 Wallet That Eliminates Key Management Anxiety**\
The biggest concern in wallet usage is the risk of seed phrase loss and theft. Talken Wallet fundamentally solves this problem through the application of MPC (Multi-Party Computation) technology. Users can secure high-level security without needing to directly manage complex keys. It also supports external wallets like MetaMask, Phantom, or connections via WalletConnect, allowing existing users to easily join the Talken ecosystem.
* **Talken Wallet's Integrated Ecosystem**\
Talken Wallet provides a differentiated experience through its unique service ecosystem. Users can exchange tokens and stablecoins across chains through Swap, earn rewards through Staking, participate in Missions to complete given tasks and earn rewards, and through Points Hub and Rewards services, they can manage scattered points and redeem them for real value such as TALK tokens. Furthermore, through Governance, they can directly participate in major ecosystem decisions, becoming members of the ecosystem beyond simple users.
* **Virtuous Cycle Economy Where Participation Leads to Value**\
Talken's economic model is designed so that participants' contributions lead to value for the entire ecosystem. Revenue is collected and managed in the treasury, and according to governance decisions, it is reinvested for ecosystem growth and participant rewards.
* **Seamless Accessibility Anytime, Anywhere**\
Talken Wallet supports all major environments including mobile, web, desktop, Telegram, and Chrome Extension. Users can continue their Web3 activities with the same experience anytime, anywhere, regardless of device.
# Governance
Source: https://docs.talken.io/governance/governance
### Talken DAO
Talken's DAO is a decentralized autonomous organization that allows community members to directly participate in major decisions of the platform. The DAO operates based on transparency and fairness, and grows together with the community through a contribution-based participation structure.
### The Governance Apps
Vote on proposals and shape the future of Talken through two dedicated platforms:
* **Talken Governance**\
The official governance voting service where you can review real-time governance proposals and cast your vote.
* **Snapshot**\
A popular voting platform that also allows users to review and vote on Talken’s real-time governance proposals.
### The Governance Process
The governance process consists of three distinct phases:
* **Phase 1: Proposal and Refinement**\
Anyone can submit suggestions on Talken's official Telegram and Discord communities, covering a wide range of topics including improvements, new feature additions, and policy changes. These suggestions are shared with the community, who participate in the discussion for a week. During this period, various opinions are exchanged, allowing suggestions to be refined and matured into well-crafted proposals. Through this process, initial ideas are reviewed and refined based on community feedback.
* **Phase 2: Voting**\
Once a proposal is finalized through community discussion, it moves into the governance voting phase. Voting takes place within the Talken service for a week and can also be conducted via Snapshot.\
Following the approval of [\[TIP-8\]](https://snapshot.org/#/s:talkenio.eth/proposal/0x1738f0966501143e21e77fcada7cb782c87eff22c1078fdc80db518d15a0621e), Talken uses a ve (Vote-Escrowed) based voting system. Voting power is determined by the amount of TALK staked and the lock-up duration, meaning long-term stakers have greater voting influence.
* **Phase 3: Outcome**\
Based on the voting results, the proposal is either approved or rejected. Approved proposals move on to the implementation stage.
### Voting Requirements
To participate in voting, an active TALK staking position is required.
* A minimum lock-up period of 4 weeks applies when staking, and unstaking is not possible during the lock-up period
* Voting power is based on the ve-TALK balance at the time of voting, which is determined by the staked amount and lock-up duration
TALK staking participants can be part of shaping Talken's future through governance voting.
### Development Through Governance
Talken prioritizes long-term contribution over short-term holding through its governance structure, pursuing sustainable growth together with the community. This system ensures that Talken’s future direction is determined by the choices of its real contributors.
# Getting Started
Source: https://docs.talken.io/index
Talken is a multichain Web3 wallet that supports not only its own secure wallet based on MPC (Multi-Party Computation) technology, but also external wallets like MetaMask, Phantom, or connections via WalletConnect. Supporting popular chains including Bitcoin, Ethereum, and Solana, you can naturally experience the Web3 ecosystem through various activities such as Swap, Staking, Missions, Rewards, and Points Hub.
Access a seamless Web3 experience from mobile, web, desktop, Telegram, or Chrome Extension — all with a consistent environment.
## Get Talken Wallet
# Cross-Chain Bridges
Source: https://docs.talken.io/products/swap/cross-chain-bridges
When swapping to a token on a different chain through Talken Swap, bridge protocols are used to move assets between chains. Talken Swap automatically selects the optimal bridge based on the transaction conditions.
### **Circle CCTP**
[Circle CCTP](https://www.circle.com/en/cross-chain-transfer-protocol) (Cross-Chain Transfer Protocol) is a cross-chain transfer protocol operated by Circle, the issuer of USDC.
* **Supported Token:** USDC
* **How It Works:** USDC is burned on the source chain, and an equal amount of USDC is minted on the destination chain. Since this transfers native USDC directly rather than using a wrapping mechanism, the USDC on the destination chain can be used immediately without unwrapping.
* **When Used:** Used when moving USDC to another chain, or when swapping a source token to USDC and then exchanging it for another token on the destination chain.
### **LayerZero**
[LayerZero](https://layerzero.network/) is a general-purpose messaging protocol that relays messages between blockchains. In Talken Swap, tokens are moved between chains using the OFT (Omnichain Fungible Token) standard.
* **Supported Tokens:** USDT, TALK, and other tokens deployed as OFT
* **How It Works:** Tokens are locked or burned on the source chain, and through a LayerZero message, the same tokens are minted on the destination chain.
* **When Used:** Used when moving USDT to another chain or transferring TALK tokens between chains. It is also possible to swap on the source chain and bridge in a single transaction.
### **Automatic Bridge Selection**
When a user requests a cross-chain swap, Talken Swap automatically selects a bridge based on the following criteria:
* Type of source and destination tokens
* Fees for each bridge
* Supported chain availability
For example, Circle CCTP is selected when moving USDC from Ethereum to Polygon, and LayerZero is selected when moving USDT from Arbitrum to Kaia.
### **Cross-Chain Transaction Types**
| Type | Description | Example |
| ------------------------ | ------------------------------------------------ | ------------------------------------------------------------------------- |
| **Bridge Only** | Move the same token to a different chain | Ethereum USDT to Arbitrum USDT |
| **Swap + Bridge** | Swap on the source chain, then bridge | Ethereum ETH -> (swap) -> USDT -> (bridge) -> Polygon USDT |
| **Bridge + Swap** | Bridge first, then swap on the destination chain | Ethereum USDT -> (bridge) -> Polygon USDT -> (swap) -> JPYC |
| **Swap + Bridge + Swap** | Swap on both chains + bridge | Kaia KAIA -> (swap) -> USDT -> (bridge) -> Polygon USDT -> (swap) -> JPYC |
### **Cross-Chain Transaction Tracking**
Once a cross-chain transaction is initiated, progress is displayed step by step:
1. **Source Chain Transaction Confirmed** -- The swap or token transfer is included in a block
2. **Bridge Transfer in Progress** -- The bridge protocol is relaying the message
3. **Destination Chain Received** -- Tokens are minted/transferred on the destination chain
4. **Complete** -- The destination tokens are reflected in the user's wallet
Cross-chain transactions typically take a few minutes, depending on the bridge protocol's processing time. This may take longer depending on network conditions.
# Fee Structure
Source: https://docs.talken.io/products/swap/fee-structure
Talken Swap clearly displays all costs before each transaction. Users can review the exact fees and make a decision before executing a swap.
### **Fee Components**
The costs involved in a swap are as follows.
**DEX Fees**
Liquidity pool fees charged by the DEX where the trade executes. These vary by DEX and pool type.
* Uniswap V3/V4: 0.01%, 0.05%, 0.3%, 1% (varies by pool)
* Curve: 0.04% (for stablecoin pools)
* PancakeSwap: 0.01%, 0.05%, 0.25%, 1% (varies by pool)
When Talken Swap searches for the optimal route, DEX fees are factored in. A route with a lower fee rate may not be selected if the final receive amount is less favorable.
**Gas Fees**
Fees incurred when submitting a transaction to the blockchain network. These fluctuate based on network congestion and are paid in each network's native token (ETH, KAIA, BNB, etc.).
**Bridge Fees**
Fees charged by the bridge protocol for cross-chain transactions. Each bridge has a different fee structure, and fees are generally paid in the source chain's native token.
### **Gasless Mode Fees**
When gasless mode is enabled, fees are paid in USDT, USDC, or TALK instead of native tokens. A relayer pays the gas fee on behalf of the user, and the user pays the relay fee in the selected token.
The relay fee is calculated based on:
* The gas cost at the time of the transaction
* The price of the selected fee token
Gasless mode is provided so that users who do not hold native tokens can swap immediately without needing to acquire them separately.
### **How to Check Fees**
When you enter an amount on the swap screen, the fee breakdown is displayed alongside the estimated receive amount:
* DEX fee rate and amount
* Estimated gas fee (or gasless relay fee)
* Bridge fee (for cross-chain transactions)
* **Total cost**
Users can review this information before deciding whether to execute the swap.
### **Cost Comparison with Traditional Transfers**
Cross-chain stablecoin transactions differ significantly from traditional international wire transfers in terms of fees and processing time.
| Item | Talken Swap | Traditional Wire Transfer |
| --------------- | ------------------- | ------------------------- |
| Fees | Under a few dollars | Tens of dollars or more |
| Processing Time | A few minutes | 1-3 business days |
| Operating Hours | 24/7 | Business hours only |
| KYC | Not required | Required |
# How It Works
Source: https://docs.talken.io/products/swap/how-it-works
Here is how to exchange tokens on Talken Swap.
Choose the token to exchange (From) and the token to receive (To). You can swap tokens on the same chain or select tokens on different chains for a cross-chain swap.
Examples:
* ETH on Ethereum to USDT on Ethereum (same chain)
* USDT on Ethereum to JPYC on Polygon (cross-chain)
* KAIA on Kaia to ETH on Arbitrum (cross-chain)
Enter the amount to exchange, and Talken Swap queries multiple DEXs simultaneously to find the optimal route. The following information is displayed:
* **Estimated Receive Amount:** The number of tokens you will receive after the swap
* **Exchange Rate:** The conversion rate between the two tokens
* **Route:** Which DEX handles the trade (e.g., Uniswap V3, Curve, etc.)
* **Estimated Fees:** Total of DEX fees, gas fees, and bridge fees (for cross-chain)
If multiple routes are available, the most favorable one is selected by default. You can also choose a different route.
After confirming the route and fees, execute the swap. Your wallet will request a transaction signature. Once approved, the swap proceeds.
* **Same-chain swap:** Completes within seconds.
* **Cross-chain swap:** After the transaction is confirmed on the source chain, tokens are transferred to the destination chain via a bridge. This typically takes a few minutes.
Once the swap completes, the tokens appear in your wallet. You can check the transaction details in the transaction history. For cross-chain transactions, the progress of each step is shown: source chain, bridge, and destination chain.
### **Gasless Mode**
If you do not hold native tokens (ETH, KAIA, etc.) to pay gas fees, you can enable gasless mode and pay fees in USDT, USDC, or TALK instead. In this case, a relayer submits the transaction on your behalf, and you only need to sign.
### **What Talken Swap Is Not**
* **Not a DEX.** Talken Swap does not operate its own liquidity pools. It is an aggregator that queries existing DEXs such as Curve, Uniswap, and PancakeSwap to find the optimal route.
* **Not a bridge.** For cross-chain transactions, Talken Swap uses verified external bridge protocols such as Circle CCTP and LayerZero. Talken Swap does not relay cross-chain messages itself.
* **Not a custodian.** Talken Swap does not hold user assets. Every transaction requires a wallet signature from the user. Transactions execute through smart contracts, and Talken cannot access user assets.
# Multi-DEX Aggregator
Source: https://docs.talken.io/products/swap/multi-dex-aggregator
Talken Swap is an aggregator that queries multiple DEXs (decentralized exchanges) simultaneously to find the most favorable exchange rate. It does not operate its own liquidity pools and instead utilizes the liquidity of existing DEXs.
### **How It Works**
When a user requests a swap, the following process takes place:
1. Quotes are requested from all supported DEXs simultaneously.
2. The quotes from each DEX are compared, including fees and slippage.
3. The most favorable route is automatically selected and presented to the user.
This process completes within seconds, and users receive the optimal result without needing to compare multiple DEXs manually.
### **Routing Methods**
Talken Swap uses three routing methods depending on the trade conditions.
* **Single Route:** Executes directly on a single DEX. Used for common token pairs with sufficient liquidity. This is the fastest execution method.
* **Multi-hop:** Used when no direct swap route exists or when routing through an intermediate token provides a better rate. For example, swapping TALK to WETH to USDC involves two separate swaps.
* **Split:** Divides a single trade across multiple routes and executes them simultaneously. Used for large trades to reduce slippage that would occur from concentrating in a single pool.
### **Integrated DEXs**
The DEXs used on each chain are as follows:
| Network | DEX |
| --------- | ------------------------------ |
| Ethereum | Curve, Uniswap V3, Uniswap V4 |
| Arbitrum | Curve, Uniswap V3, Uniswap V4 |
| Base | Curve, Uniswap V3, Uniswap V4 |
| Polygon | Curve, Uniswap V3, Uniswap V4 |
| BNB Chain | PancakeSwap V2, PancakeSwap V3 |
| Kaia | DragonSwap V3 |
### **Slippage Management**
Token prices can fluctuate between the time a trade is quoted and executed. Talken Swap allows users to set a slippage tolerance. If the actual slippage exceeds the set tolerance, the transaction is automatically canceled.
* **Auto Slippage:** Talken Swap automatically sets an appropriate slippage tolerance based on the trade size and available liquidity.
* **Manual Setting:** Users can manually specify a slippage tolerance (0.01% to 50%).
### **Transaction Deadline**
Swap transactions automatically expire after a set period from submission. The default is 10 minutes, and users can change this to anywhere between 1 and 60 minutes. Expired transactions are not executed, and assets remain unchanged.
# Supported Networks and Tokens
Source: https://docs.talken.io/products/swap/supported-networks
### **Supported Networks**
Talken Swap supports the following 6 blockchain networks.
| Network | Native Token | Primary DEX |
| --------- | ------------ | -------------------- |
| Ethereum | ETH | Curve, Uniswap V3/V4 |
| Arbitrum | ETH | Curve, Uniswap V3/V4 |
| Base | ETH | Curve, Uniswap V3/V4 |
| Polygon | POL | Curve, Uniswap V3/V4 |
| BNB Chain | BNB | PancakeSwap V2/V3 |
| Kaia | KAIA | DragonSwap V3 |
Native tokens, wrapped tokens (WETH, WKAIA, etc.), and major ERC-20 tokens on each network are available for swap.
### **Supported Stablecoins**
Talken Swap supports stablecoins denominated in 4 currencies, all of which can be freely exchanged within the same chain or across different chains.
**USD Stablecoins:**
| Token | Description |
| ----- | --------------------------------------------------- |
| USDT | Tether USD -- the most widely used USD stablecoin |
| USDC | USD Coin -- a regulated stablecoin issued by Circle |
| DAI | MakerDAO's decentralized stablecoin |
| USDS | Sky (formerly MakerDAO) upgraded stablecoin |
| USDe | Ethena's synthetic dollar token |
| USD1 | World Liberty Financial's USD stablecoin |
**Other Currency Stablecoins:**
| Token | Currency | Description |
| ----- | -------- | ----------------------------------------------- |
| EURC | EUR | Euro stablecoin issued by Circle |
| JPYC | JPY | Japanese yen-denominated stablecoin |
| KRWS | KRW | Korean won-denominated stablecoin (Coming Soon) |
### **Cross-Chain Supported Tokens**
Tokens that can be bridged to other chains depend on the bridge protocol.
* **Circle CCTP:** USDC
* **LayerZero (OFT):** USDT, TALK
These tokens can also be swapped to other tokens before or after bridging. For example, swapping ETH to USDT and then sending it to another chain via LayerZero can be handled in a single transaction.
### **Token List**
The full list of swappable tokens on each chain can be found in the token selector on the Talken Swap screen. The list includes native tokens, stablecoins, and major ERC-20 tokens on each chain.
# Talken Agentic Wallet
Source: https://docs.talken.io/products/talken-agentic-wallet
Talken Agentic Wallet is a multi-chain wallet designed for AI agents to trade, swap, stake, and operate on-chain.
AI agents need wallets to operate on-chain, but existing wallets are built for direct human interaction. Talken Agentic Wallet brings Talken Wallet's security technology and infrastructure to agents, enabling them to independently perform swaps, cross-chain transfers, trading, staking, and more.
### **Key Features**
* **MPC Security:** Uses the same MPC technology as Talken Wallet — agent private keys are never exposed anywhere.
* **Multi-Chain:** Supports 10+ chains including Ethereum, Arbitrum, Solana, Bitcoin, and TRON from a single account.
* **Swap and Cross-Chain:** Finds optimal rates via multi-DEX aggregator and bridges assets across chains through Circle CCTP and LayerZero.
* **Hyperliquid Trading:** Supports perpetual futures and spot trading with leverage, stop-loss, and take-profit.
* **Polymarket Prediction Markets:** Take positions on orderbook-based prediction markets and settle outcomes.
* **Gasless Transactions:** Pay fees in USDT, USDC, or TALK instead of native tokens.
* **4 Integration Methods:** CLI (109 commands), MCP Server (95+ tools), API library (50+ methods), and Claude Code slash command.
### **Same MPC Security as Talken Wallet**
Talken Agentic Wallet uses the same MPC (Multi-Party Computation) technology as Talken Wallet. Private keys are distributed across multiple parties, and no single party can access the complete key. Agents do not hold or manage private keys directly — all signing is handled securely through MPC. Even if the server running the agent is compromised, assets remain protected.
### **Multi-Chain Support**
A single agent account can operate across multiple blockchains simultaneously.
* **EVM Chains:** Ethereum, Arbitrum, Base, Polygon, BNB Chain, Kaia, Avalanche, Mantle, HyperEVM, ChainBounty
* **Solana:** Mainnet and testnet
* **Bitcoin:** Mainnet and testnet
* **TRON:** Mainnet and testnet
All chain addresses are created at once during account setup, so agents can operate in a multi-chain environment without additional configuration.
### **Swap and Cross-Chain Transfers**
Agents can use all [Talken Swap](/products/talken-swap) capabilities. Multiple DEXs are compared simultaneously to find the optimal rate, and cross-chain asset transfers are handled automatically through Circle CCTP and LayerZero bridges. Swaps and transfers can also be executed in gasless mode by paying fees in USDT, USDC, or TALK instead of native tokens.
### **Hyperliquid Trading**
AI agents can trade perpetual futures and spot assets directly on Hyperliquid, a decentralized derivatives exchange. Assets such as BTC, ETH, and SOL are available for futures trading, with market and limit orders, cross and isolated margin modes, stop-loss/take-profit settings, and position monitoring. Agents can fund Hyperliquid from any chain via gasless deposit, withdraw to another chain after trading, or move funds between perpetual and spot — all in a single flow.
### **Polymarket Prediction Markets**
Agents can take positions on Polymarket, a blockchain-based prediction market platform. Trades are executed on an orderbook basis using USDC on the Polygon network. Market exploration, orderbook queries, order submission and cancellation, and position management are supported, and agents can automatically settle conditional tokens after events conclude.
### **Staking**
Agents can stake assets to earn rewards. The same TALK, ETH, and KAIA staking supported by [Talken Staking](/products/talken-staking) is available, and agents can automatically check staking status and claim rewards.
### **Agent Security Management**
AI agent permissions can be controlled with fine-grained control. Separate access keys can be issued per agent for individual management, with key rotation and instant revocation. Agent sessions can be configured with a defined scope of operations, budget limits, and expiration period, ensuring both autonomy and safety.
### **Multiple Integration Methods**
Developers and partners can integrate Talken Agentic Wallet in the way that best suits their use case.
* **API Library:** 50+ methods to integrate directly into Telegram bots, backend servers, and custom services
* **CLI:** 109 commands to execute all features in a terminal environment
* **MCP Server:** 95+ tools to connect with AI tools like Claude Desktop and Cursor
* **Claude Code Slash Command:** Execute wallet functions via `/talken` using natural language
### **Position in the Talken Ecosystem**
Talken Agentic Wallet extends existing Talken services for use by AI agents. For wallets used directly by people, use [Talken Wallet](/products/talken-wallet). For frontend wallet integration, use [Talken Kit](/products/talken-kit). For backend API calls, use [Talken API](/products/talken-api). Agentic Wallet is the gateway for agents to access all of these services.
Talken Agentic Wallet is available as an npm package. For installation and usage, see [@talken/agentic-wallet](https://www.npmjs.com/package/@talken/agentic-wallet).
# Talken API
Source: https://docs.talken.io/products/talken-api
Talken API is the core infrastructure that powers all Talken services. Features like Talken Wallet, Swap, and Staking operate through this API, and partners can use the same API to integrate Talken's blockchain capabilities into their own services.
### **Swap and Cross-Chain**
All Talken Swap capabilities — multi-DEX quote comparison, optimal route finding, and cross-chain bridging — are available through the API. From same-chain token exchanges to cross-chain stablecoin transfers, everything can be handled with a single API.
### **Wallet Management**
MPC-based wallet creation, recovery, and address management are accessible via the API. Multi-chain wallets covering EVM, Solana, Bitcoin, and TRON are managed under a single account, and transaction signing and submission are also handled through the API.
### **Gasless Execution**
The API supports gasless transactions where users don't need to pay gas fees directly. A relayer pays the gas fee on behalf of the user, and the user pays a service fee in USDT, USDC, or TALK. Partners can use this feature to let users access their services without holding native tokens.
Gas sponsoring via ERC-4337 Paymaster is also supported. Partners can cover gas fees on behalf of their users, providing a completely free transaction experience.
### **Staking**
Staking for TALK, ETH (Lido), and KAIA (Kommune) is available through the API. It supports querying staking positions, checking rewards, and building stake/unstake transactions.
### **Multi-Chain Support**
Talken API supports the following blockchains:
* **EVM:** Ethereum, Arbitrum, Base, Polygon, BNB Chain, Kaia, HyperEVM
* **Solana:** Mainnet and testnet
* **Bitcoin:** Mainnet and testnet
* **TRON:** Mainnet and testnet
### **Data and Analytics**
Token lists, price data, balance queries, and transaction history can all be retrieved via the API. Balances across multiple chains can be checked in a single call, making it useful for portfolio management and dashboard development.
Analytics data including trade volume statistics, per-network breakdowns, DEX/pool stats, and bridge usage metrics are also available. The Explorer API allows searching transactions and tracking the progress of cross-chain transfers.
### **Authentication and Security**
The API provides authentication based on email and social login (Google, Apple, Kakao, Naver, Line). It operates on JWT tokens, and through MPC technology, private keys never exist in a single form on any server or client.
### **Partner Integration**
Partners can integrate the following capabilities into their services through Talken API:
* User wallet creation and management
* Token swaps and cross-chain transfers
* Gasless transaction execution
* Staking service integration
* Token balance and NFT queries
### **Relationship with Talken Kit**
Partners who need a frontend wallet connection screen can use [Talken Kit](/products/talken-kit) to implement wallet login and transaction signing without direct API integration. Talken Kit is a frontend SDK built on top of Talken API.
API reference is available at [Talken API Docs](https://api.talken.io/api/v1/docs). Partners interested in integration can reach out through the [Partnership](/getting-started/partnership) page.
# Talken Kit
Source: https://docs.talken.io/products/talken-kit
Talken Kit is a wallet integration tool that enables external websites and apps to offer Talken Wallet login and blockchain features.
Partners and developers can add Talken Kit to their services so that users can log in with email or social accounts (Google, Apple, Kakao, etc.) and use blockchain services without installing a separate wallet. Users who already have wallets like MetaMask or Phantom can also connect through the same interface, allowing a single integration to serve a wide range of users.
### **Embedded Wallet**
At the core of Talken Kit is the embedded wallet. When users log in with email or a social account, a wallet powered by Talken's MPC technology is automatically created. Users don't need to manage seed phrases or private keys — they can use blockchain services as simply as any Web2 service.
A single embedded wallet generates addresses on multiple chains — EVM (Ethereum, Polygon, Arbitrum, etc.), Solana, Bitcoin, and TRON — so users can manage assets across chains without extra steps. Once connected, the wallet automatically reconnects when users refresh the page or return later.
### **65+ External Wallets Supported**
Users who already have MetaMask, Phantom, Coinbase Wallet, Rainbow, Trust Wallet, or other wallets can connect directly through Talken Kit. Over 65 wallets are supported, and mobile wallet connections via WalletConnect are also available.
### **Multi-Chain Support**
Talken Kit supports multiple blockchains through a single integration.
* **EVM Chains:** Ethereum, Polygon, Arbitrum, Base, BNB Chain, Kaia, and 15+ more
* **Solana:** Mainnet and testnet
* **Bitcoin:** Mainnet and testnet
* **TRON:** Mainnet and testnet
### **Transaction Confirmation and Security**
When users sign a transaction, Talken Kit displays a confirmation screen showing the transaction details in a readable format. Users can review exactly what tokens are being sent, how much, and the estimated gas fee before approving. For embedded wallet users, a PIN entry is required, preventing unauthorized transactions from executing.
### **Themes and Customization**
Talken Kit can be styled to match a partner's brand. Three built-in themes are available — light, dark, and midnight — and colors, border radius, and fonts can be customized. This allows partners to create a wallet connection experience that fits naturally within their site.
### **Use Cases**
* **Web3 Services:** Add a "Connect with Talken" button so users can easily link their wallet to your DApp
* **NFT Marketplaces:** Buyers can purchase and store NFTs with just an email login
* **Games:** Manage in-game items as blockchain assets while keeping the user experience identical to traditional games
* **Points & Rewards:** Convert existing point systems to blockchain-based infrastructure
### **Talken Kit vs Talken API**
Use Talken Kit when you need a wallet connection UI on the frontend. Use [Talken API](/products/talken-api) when you need to call swap, wallet, or staking functions directly from your backend. Talken Kit operates on top of Talken API internally.
Talken Kit provides separate technical documentation for developers. Partners interested in integration can reach out through the [Partnership](/getting-started/partnership) page.
# Talken Missions
Source: https://docs.talken.io/products/talken-missions
Talken Missions is a gamified service where users participate in various Web3 activities across the Talken ecosystem and earn rewards.
It serves as a guide that naturally leads users to learn and utilize the core functions of Talken Wallet, while simultaneously becoming a gateway for discovering new Web3 projects.
### **Experience of Participation and Rewards**
Through Talken Missions, users participate in various 'missions' related to the Talken Wallet ecosystem and partners. Upon completing each mission, users are granted a 'Chance' to earn rewards. These acquired chances lead to the immediate joy of reward acquisition through gamified elements such as 'Spin a wheel'. Users can instantly see what value their participation brings, which motivates users to keep participating.
### **Value for Partners**
Partner companies can utilize Talken Missions to effectively promote their projects or services to active users of Talken Wallet and acquire early adopters. Partners can collaborate with Talken Wallet to create customized missions related to their services and provide them to users. For example, it's possible to offer missions through programs with predetermined total reward amounts. This becomes an efficient marketing tool that induces specific user activities (such as service registration and usage) within a set budget and attracts new users.
### **Integration with Talken Rewards**
Talken Missions is closely connected with the Talken Rewards service. The chances users acquire by completing missions can be redeemed for practical value in Talken Rewards, which are then converted into TALK tokens within the ecosystem. Users participate in missions and convert their rewards into TALK tokens through this flow.
# Talken Points Hub
Source: https://docs.talken.io/products/talken-points-hub
Talken Points Hub is an integrated point exchange service that connects various partner companies' point systems, allowing users to exchange points from one partner company for points from another partner company or for cryptocurrency.
Users can check their points held across multiple partner companies through Talken Points Hub and freely convert them to other partner companies' points or cryptocurrency, providing a point bridge service.
### **Point Connection and Exchange**
Previously, each service's points operated in a closed structure where they could only be used within their respective platforms. Users could not utilize points earned from Service A in Service B, which limited the practical value and utility of points.
Talken Points Hub serves as a Point Bridge that connects different partner companies' point systems. Users can directly exchange points from specific partner companies for other partner companies' points, or convert them to cryptocurrency to realize practical value.
### **Partner Ecosystem Expansion**
Talken Points Hub provides infrastructure that enables new partner companies to easily participate in the ecosystem. By integrating their point systems with Talken Points Hub, partner companies can immediately gain exposure to existing Talken users and provide mutual benefits.
This structure provides partner companies with user acquisition and improved retention, while offering users more diverse benefits and choices.
### **Transparency and Reliability**
All point exchange records are transparently recorded, and users can check their point history at any time.
Additionally, each partner company's point policies and exchange rates are clearly disclosed during conversion, allowing users to compare exchange terms and make their choice.
# Talken Rewards
Source: https://docs.talken.io/products/talken-rewards
Talken Rewards is a service that connects all activities within the Talken Wallet ecosystem to real value, allowing users to earn reward points and convert them to TALK tokens.
### **Earning Reward Points**
Users can earn 'Talken Reward Points' through various activities within Talken Wallet as follows:
* **Referral:** When a friend joins Talken Wallet using an invitation code or link, both the referring user and the newly registered friend can earn reward points. Additionally, you can receive a portion of the rewards that the invited friend earns through their activities as an additional bonus.
* **Event Participation:**
* **Talken Missions:** Complete given missions (e.g., voting, partner service registration, SNS following, etc.) to earn Chances, then win reward points through gamified elements like the Spin Wheel.
* **Other Events:** Talken Wallet regularly conducts events on various topics. You can earn rewards by participating in these events and performing quests.
If you prefer earning TALK tokens directly, you can also stake tokens through [Talken Staking](/products/talken-staking) and receive weekly TALK rewards.
### **Conversion to Value**
The core of the Talken Rewards service is to support users in redeeming their earned reward points for real value. Users can check their accumulated points in the Rewards menu and convert them to TALK tokens, the core asset of the ecosystem.
Reward point earning methods and conversion options may change depending on service operations.
Partner point exchanges are managed separately through [Talken Points Hub](/products/talken-points-hub).
# Talken Staking
Source: https://docs.talken.io/products/talken-staking
Talken Staking is a service that allows users to stake various tokens including TALK, ETH, and KAIA to earn rewards. TALK offers native staking to contribute to the Talken ecosystem's growth and earn rewards, while ETH integrates with Lido, and KAIA connects with Kommune protocol.
### **Supported Assets**
Talken Staking supports the following assets:
* **TALK (Ethereum):** Stake TALK tokens and earn TALK rewards. Longer lock-up periods offer higher reward rates.
* **ETH:** Stake ETH through [Lido](https://lido.fi/) integration and receive stETH as liquid staking tokens.
* **KAIA:** Stake KAIA through [Kommune](https://kommunedao.xyz/) integration and earn staking rewards.
### **TALK Staking**
TALK Staking allows users to lock up TALK tokens for a specified period and earn TALK rewards. Users can choose lock-up periods of up to 105 weeks, with longer periods offering higher reward rates. Rewards are distributed every Thursday at 09:00 (UTC+9), allowing users to claim their earned TALK tokens on a weekly basis. Before a position expires, users can extend their lock-up period to continue earning rewards.
### **Governance Participation**
Staking TALK gives you voting power (ve-TALK) proportional to your staked amount and lock-up duration. You can use this voting power to participate in key ecosystem decisions through [Talken Governance](/governance/governance).
### **How to Access**
Talken Staking is available on Telegram, mobile app, web, and Chrome Extension. Users can access the staking feature from the token detail page or through the Staking menu in the navigation.
For detailed step-by-step instructions, see [How to Participate in TALK Staking](/getting-started/how-to-guides/how-to-participate-in-talk-staking).
# Talken Swap
Source: https://docs.talken.io/products/talken-swap
Talken Swap is a cross-chain swap service that enables fast and affordable exchanges of tokens as well as stablecoins across multiple blockchains.
Previously, exchanging tokens across different chains required users to manually find and compare multiple DEXs and bridges. Talken Swap unifies this process into a single interface, automatically finding the optimal route and handling the entire process seamlessly. It operates in a non-custodial manner, ensuring users always maintain control over their assets throughout the entire swap process.
### **Key Features**
* **Multi-DEX Aggregation:** Queries major DEXs including Curve, Uniswap V3/V4, PancakeSwap, and DragonSwap simultaneously to find the best exchange rate automatically.
* **Cross-Chain Swap:** Swap to tokens on other chains in a single step via Circle CCTP and LayerZero bridges.
* **Gasless Execution:** Swap without native tokens by paying fees in USDT, USDC, or TALK.
* **6 Networks:** Supports Ethereum, Arbitrum, Base, Polygon, BNB Chain, and Kaia.
* **Multi-Currency Stablecoins:** Exchange stablecoins denominated in USD, EUR, and JPY across any chain.
* **Transparent Fees:** All costs including DEX fees, bridge fees, and gas fees are displayed before each transaction.
### **Details**
The full process from token selection to swap completion
Circle CCTP, LayerZero bridges, and cross-chain transaction types
Multi-hop, split routing, and integrated DEXs by chain
Supported chains, tokens, and stablecoin list
DEX fees, gas fees, bridge fees, and gasless mode
# Talken Wallet
Source: https://docs.talken.io/products/talken-wallet
Talken Wallet is a secure Web3 wallet that uses MPC technology. Accessible on Mobile, Web, Telegram, Desktop, and Chrome Extension.
### **Secure Web3 Wallet with MPC Technology**
Talken Wallet leverages Multi-Party Computation (MPC) technology to eliminate the difficulty of managing complicated recovery phrases. Your private key is securely distributed across multiple parties, ensuring no single party ever has access to the entire key. Even in the event of a compromise, transactions require collaboration between multiple parties, safeguarding your assets. This approach eliminates single points of security vulnerability.
### **Any Device, Anywhere**
Talken Wallet is accessible across Mobile, Web, Desktop, Telegram, and Chrome Extension, so you can manage your assets in any environment. Telegram users can access it as a mini app without additional installations, and Chrome browser users can install the Extension to connect their wallet directly on websites.
### **Core Services in Talken Wallet**
Talken Wallet includes the following built-in services.
Exchange tokens and stablecoins across chains at the best rates
Stake TALK, ETH, and KAIA to earn rewards
Complete missions and earn rewards through gamified quests
Earn reward points through activities and convert to TALK
Exchange partner points for other points or cryptocurrency
### **Multi-chain Integration**
Popular chains are automatically registered and require no additional setup. Furthermore, you have the flexibility to freely add various testnets and custom chains as needed.
**Supported Blockchains:**
* Ethereum
* Bitcoin
* Solana
* BNB Chain
* Polygon
* Kaia
* Arbitrum
* Avalanche
* Base
* Mantle
* TRON
* ChainBounty
### **Multi-chain NFT Wallet with Real-time NFT Browsing**
The wallet supports real-time NFT browsing and management across multiple chains, including ERC-721 and ERC-1155 standards, making transfers and organization straightforward.
**Supported NFT Networks:**
* Ethereum
* Solana
* BNB Chain
* Polygon
* Kaia
* Arbitrum
* Avalanche
* Mantle
**Supported NFT Standards:**
* ERC721
* ERC1155
* KIP17
* KIP37
* SPL
### **Built-in Multi-chain Web3 Browser**
The Talken Wallet includes a native Web3 browser that supports popular chains like Ethereum and Solana. It allows users to interact with Web3 services using the assets stored in their wallet.
### **Connect to DApps with Chrome Extension**
With the Chrome Extension installed, you can connect your wallet directly to DApps in the browser, just like MetaMask. Sign transactions and manage assets on DEXs, NFT marketplaces, DeFi services, and other Web3 sites using Talken Wallet.
The Chrome Extension supports not only EVM chains but also Solana, Bitcoin, and TRON DApps. Core Talken Wallet features — Swap, Staking, Governance voting, and NFT management — are all available right from your browser.
# Roadmap
Source: https://docs.talken.io/roadmap/roadmap
## **History & Current status**
### Early Growth Period (2018-2022)
Talken established the foundation for its Web3 ecosystem with a multi-chain wallet and core NFT infrastructure including minting tools, SDK, and the 'Talken Drops' launchpad. The platform expanded its multi-chain capabilities through integration with Solana, Polygon, and other chains, while enhancing interoperability with Wallet Connect v1.0.
### Service Enhancement (2023)
Talken expanded its service scope with PC support for Talken Drops and the launch of Talken Studio. The platform introduced Wallet Connect v2.0 and completely revamped Talken Market with multi-chain support, C2C NFT trading, and enhanced marketplace functionality including fixed price and auction methods.
### Talken Growth & Community Empowerment (2024)
Talken launched the Talken Bridge for cross-chain transfers and introduced reward point and invitation systems. The platform expanded accessibility through Telegram mini-app and web-based wallets, culminating in the establishment of Talken's governance community and DAO for decentralized decision-making.
### Innovative Growth (2025, The First Roadmap by Talken DAO)
Talken launched the TALK staking platform and expanded ecosystem collaboration including the integration of Talken Market into AhnLab Blockchain Company's TopPort platform. The platform completed MPC-based support for Bitcoin and Solana, launched Talken Kit with multi-wallet login support, and pursued Korean and Asian market localization. An anti-scalping NFT ticketing system was successfully demonstrated at the 2025 Waterbomb music festival and concluded with an industry stakeholder event.
### Stablecoin Swap, Earn & Multi-chain Expansion (2026)
Talken will strengthen its wallet ecosystem by introducing cross-chain stablecoin swap functionality for seamless asset exchange across blockchain networks. The platform will expand Earn offerings through integration with major protocols. Support for non-EVM chains will be extended beyond Bitcoin and Solana, with MPC-based technology and phased integration of chains based on community feedback and market demand.
Please see below for a detailed roadmap:
* **2018\~2022**
* Launch Multi-chain Wallet
* Launch Multi-chain NFT Wallet
* Launch NFT Mint Tool & SDK
* Launch Web3 Browser Feature
* Launch NFT Launchpad (Talken Drops, In-app purchase capable)
* Additional chain Integration (Solana, Polygon, etc)
* Launch Wallet Connect v1.0 Feature
* **2023**
* Talken Drops renewal (PC support)
* Launch Talken Studio
* Integration ABC Wallet on Talken App
* Improve convenience of Talken Wallet
* Launch Wallet Connect v2.0 Feature
* Talken Market renewal open
* Multi-chain
* C2C NFT Marketplace
* Support fixed price and auction
* Integrate ABC Wallet - UI/UX update of Talken Wallet
* **2024**
* Launch Talken Faucet service
* Launch Talken Bridge based on wormhole
* Launch Talken Reward Point system
* Talken Invitation system update
* UI/UX update of Talken Wallet and Talken Market
* Launch Talken Wallet based on Telegram mini app
* Launch Talken Wallet based on web
* Talken Wallet mobile app renewal
* Launch Talken Governance community
* Launch Talken DAO
* **2025 (The First Roadmap by** [**Talken DAO**](https://wallet.talken.io/web/governance)**)**
* Strategic Initiatives for Ecosystem Expansion
* Launch a TALK staking platform to encourage governance participation.
* Introduce programs to accelerate ecosystem growth and collaborations.
* Localize global Web3 services for South Korea and Asia.
* Product Vision
* Simplify multi-chain interactions with improved UI/UX and chain abstraction.
* Support Bitcoin, Solana, and other non-EVM chains using MPC technology.
* **2026 (Stablecoin Swap, Earn & Multi-chain Expansion)**
* Launch cross-chain stablecoin swap
* Support stablecoin swaps across blockchain networks (e.g., Ethereum USDT ↔ Solana USDT)
* Enable swaps between different stablecoins (e.g., USDT ↔ USDC)
* Optimize for low fees and fast transaction processing
* Earn Product Expansion
* Develop additional offerings building on TALK staking foundation
* Integrate with major protocols for diversified earning opportunities
* Explore AI agent service development for intelligent asset management
* Non-EVM Chain Support Expansion
* Implement secure MPC-based private key management
* Phase in additional chains based on market demand (Tron and others under consideration)
* Finalize chain integration decisions through community governance
# Privacy Policy
Source: https://docs.talken.io/terms-and-privacy/privacy-policy
Last Updated: Jun 5, 2026
This Privacy Policy explains how Talken GmbH ("Talken," "we," or "us") collects, uses, and discloses information about you.
This Privacy Policy applies when you use our websites, mobile applications, browser extensions, and other online content, products and services that link to this Privacy Policy (collectively, our "Services"), or otherwise interact with us.
We may change this Privacy Policy from time to time. If we make changes, we will notify you by revising the date at the top of this policy and, in some cases, we may provide you with additional notice (such as adding a statement to our website or sending you a notification).
We encourage you to review this Privacy Policy regularly to stay informed about our information practices and the choices available to you.
**CONTENTS**
1. **Collection of Information**
2. **Use of Information**
3. **Sharing of Information**
4. **Analytics**
5. **Transfer of Information to Other Countries**
6. **Your Choices**
7. **Additional Disclosures for Individuals in Europe**
8. **Data Retention**
9. **Security Measures**
10. **Automated Decision-Making and Profiling**
11. **Contact Us**
12. **COLLECTION OF INFORMATION**
**Information You Provide to Us**
We collect information you provide directly to us. For example, you share information when you create an account, fill out a form, submit or post content through our Services, make a transaction, communicate with us via third-party platforms, participate in a promotion, request customer support, or otherwise communicate with us. The types of personal information we may collect include your name (nickname), email address, wallet address, and any other information you choose to provide.
**We also maintain information relating to your transactions on our Services including:**
**Activity Information:** We collect information about your activity on our Services, such as token transfers, NFT (non-fungible token) transfers, or promotions, or other users you interact with through the Services.
**Transactional Information:** When you transfer or swap tokens, transfer NFTs, or redeem your rewards, we collect information about the transaction, such as transfer, swap, or redemption details, and the date and location of the transaction.
**Information We Collect Automatically**
When you access or use our Services or otherwise transact business with us, we automatically collect certain information, including:
**Device and Usage Information:** We collect information about how you access our Services, including data about the device and network you use, operating system version, mobile network, IP address, unique device identifiers, browser type, and app version. We also collect information about your activity on our Services, such as access times, pages viewed, links clicked, and the page you visited before navigating to our Services.
**Location Information:** In accordance with your device permissions, we may collect information about the precise location of your device. You may stop the collection of precise location information at any time (see the Your Choices section below for details).
**Information Collected by Cookies and Similar Tracking Technologies:** We (and our service providers) use tracking technologies, such as cookies and web beacons, to collect information about you. Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular, and count visits. Web beacons (also known as "pixel tags" or "clear GIFs") are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. For more information about cookies and how to disable them, see the Your Choices section below.
**Information We Collect from Other Sources**
We obtain information from third-party sources. For example, if you create or log into your Talken account through a third-party platform (such as Apple or Google), we will have access to certain information from that platform, such as your email address, name, birthday, and profile picture, in accordance with the authorization procedures determined by such platform.
2. **USE OF INFORMATION**
We use the information we collect to provide the Services, including facilitating your transactions and token swaps, participating in promotions, and to customize your experience with us. We also use the information we collect to:
* Provide, maintain, and improve our products and Services;
* Process transactions and send you related information, including confirmations, receipts, customer experience surveys, and recall notices;
* Personalize and improve your experience on our Services;
* Send you technical notices, security alerts, and support and administrative messages;
* Respond to your comments and questions and provide customer service;
* Communicate with you about products, services, and events offered by Talken and others and provide news and information that we think will interest you (see the Your Choices section below for information about how to opt out of these communications at any time);
* Monitor and analyze trends, usage, and activities in connection with our Services;
* Detect, investigate, and prevent security incidents and other malicious, deceptive, fraudulent, or illegal activity and protect the rights and property of Talken and others;
* Debug to identify and repair errors in our Services;
* Comply with our legal and financial obligations; and
* Carry out any other purpose described to you at the time the information was collected.
3. **SHARING OF INFORMATION**
We share personal information in the following circumstances or as otherwise described in this policy:
* We share personal information with vendors, service providers, and consultants that need access to personal information in order to perform services for us, such as companies that assist us with web hosting, payment processing, fraud prevention, customer service, and marketing and advertising.
* When you use our in-wallet AI assistant, we share your chat messages, conversation history, and certain wallet information (such as wallet addresses, token balances, and transaction history) with third-party AI service providers to generate responses to your requests. We currently use Anthropic, PBC (United States), which processes this information as our service provider and can be contacted at [privacy@anthropic.com](mailto:privacy@anthropic.com), for this purpose. These providers process this information only to provide the assistant's responses, do not use it to train their models, and delete it within 30 days, except where retention is required to comply with law or to prevent misuse. We do not store your AI conversation content on our servers.
* If you post content in a public area of our Services, we share this information publicly on our Services.
* If you choose to use integrations we offer on our Services, we may share certain information with the integration partners.
* We may share personal information if we believe that your actions are inconsistent with our user agreements or policies, if we believe that you have violated the law, or if we believe it is necessary to protect the rights, property, and safety of Talken, our users, the public, or others.
* We share personal information with our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests.
* We may share personal information in connection with, or during negotiations concerning, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
* Personal information may be shared between and among Talken and our current and future parents, affiliates, and subsidiaries and other companies under common control and ownership.
* We share personal information with your consent or at your direction.
* We also share aggregated or de-identified information that cannot reasonably be used to identify you.
4. **ANALYTICS**
We allow others to provide analytics services on our behalf across the web and in mobile apps. These entities may use cookies, web beacons, device identifiers, and other technologies to collect information about your use of our Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in mobile apps, links clicked, and conversion information. This information may be used by Talken and others to, among other things, analyze and track data, determine the popularity of certain content, and better understand your online activity.
We may use third-party tools such as Google Analytics, Google Ads, and Google AdMob to collect information about your interactions with our Services. These tools may collect data such as cookies, mobile advertising identifiers (e.g., IDFA, AAID), device information, usage behavior, and location data to analyze service usage and deliver personalized or contextual advertisements across web and mobile platforms.
If you do not wish to receive personalized ads, you may opt out by adjusting your device settings (such as “Limit Ad Tracking” on iOS or “Opt out of Ads Personalization” on Android), by visiting the [Google Ads Settings](https://adssettings.google.com/), or by using the [Network Advertising Initiative opt-out page](https://optout.networkadvertising.org/).
5. **TRANSFER OF INFORMATION TO OTHER COUNTRIES**
Talken is headquartered in Switzerland, and we engage service providers that operate the Service on our behalf in the Republic of Korea, as well as other service providers in the United States. Therefore, we and our service providers may transfer your personal information to, or store or access it in, jurisdictions that may not provide levels of data protection that are equivalent to those of your home jurisdiction. We will take steps to ensure that your personal information receives an adequate level of protection in the jurisdictions in which we process it. We comply with applicable data protection laws, including the General Data Protection Regulation (GDPR), when transferring personal data internationally. We use appropriate safeguards, such as standard contractual clauses approved by the European Commission, to ensure that your data is protected when transferred to other countries.
6. **YOUR CHOICES**
**Account Information**
You may update and correct certain account information at any time by logging into your account, or requesting help via our website or mobile application. If you wish to delete your account, please log into your account, but note that we may retain certain information as required by law or for our legitimate business purposes.
**Location Information**
When you first launch any of our mobile applications that collect precise location information, you will be asked to consent to the app's collection of this information. If you initially consent to our collection of such location information, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. You may also stop our collection of this location information by following the standard uninstall process to remove all of our mobile apps from your device.
**Cookies**
Most web browsers are set to accept cookies by default. If you prefer, you can usually adjust your browser settings to remove or reject browser cookies. Please note that removing or rejecting cookies could affect the availability and functionality of our Services.
**Communications Preferences**
You may opt out of receiving promotional emails from Talken by following the instructions in those communications or by sending us an email at [talken@talken.io](mailto:talken@talken.io). If you opt out, we may still send you non-promotional emails, such as those about your account or our ongoing business relations.
**Mobile Push Notifications**
With your consent, we may send push notifications to your mobile device. You can deactivate these messages at any time by changing the notification settings on your mobile device.
7. **ADDITIONAL DISCLOSURES FOR INDIVIDUALS IN EUROPE**
If you are located in the European Economic Area (EEA), the United Kingdom, or Switzerland, you have certain rights and protections under applicable data protection laws. These rights may include:
* The right to access and receive a copy of your personal data
* The right to rectify, correct, or update your personal data
* The right to erase your personal data in certain circumstances
* The right to restrict or object to our processing of your personal data
* The right to data portability in certain circumstances
* The right to withdraw your consent at any time (where we rely on consent as a legal basis for processing)
* The right to lodge a complaint with a supervisory authority
To exercise these rights, please contact us using the information provided in the "Contact Us" section below. We will respond to your request within the time period required by applicable law. Please note that we may need to verify your identity before processing your request. In some cases, we may need to retain certain information for recordkeeping purposes, to complete any transactions you began before requesting a change or deletion, or for other purposes as required or permitted by applicable law.
8. **DATA RETENTION**
We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements, to establish or defend legal claims, or for fraud prevention purposes. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
9. **SECURITY MEASURES**
We take the security of your personal information seriously and use appropriate technical and organizational measures to protect your personal information against unauthorized or unlawful processing and against accidental loss, destruction, or damage. These measures include encryption of sensitive data, regular security assessments, and employee training on data protection practices. However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
10. **AUTOMATED DECISION-MAKING AND PROFILING**
We do not use automated decision-making or profiling techniques that produce legal or similarly significant effects on you based solely on automated processing. Our AI assistant may help you with functions within the wallet, including preparing transactions, but it does not execute any transaction without your review and confirmation, and you remain responsible for every transaction you confirm. We may also use automated processes to improve our services, customize your experience, or for fraud prevention; these processes do not make decisions that have significant impacts on your legal rights or freedoms without human involvement.
11. **CONTACT US**
If you have any questions about this Privacy Policy or our data practices, please email us at [talken@talken.io](mailto:talken@talken.io). For individuals in the EEA, UK, or Switzerland who wish to raise a concern about our use of your information (and without prejudice to any other rights you may have), you have the right to do so with your local supervisory authority.
# Terms and Conditions
Source: https://docs.talken.io/terms-and-privacy/terms-and-conditions
Last Updated: Jun 5, 2026
#### **Chapter 1: General Provisions**
**Article 1. Purpose**
The purpose of this terms and conditions is to stipulate the rights, obligations and other matters between Talken GmbH (hereinafter the "Company") and members in regard to use of Talken Wallet service provided by the Company.
**Article 2. Definition**
The terms herein shall be defined as follows:
1. "Talken Wallet" refers to the blockchain-based keyless digital wallet service provided by the Company to Members. It is also referred to as the "Service" hereinafter.
2. "Blockchain" refers to the technology that consecutively adds blocks which contain electronic data into a chain, and the decentralized method of data storage by which the transactions are recorded on an open ledger, and then copied into each computer participating in the blockchain network.
3. "Assets" refer to assets which are processed and distributed by Blockchain and can be traded on Blockchain network, including but not limited to, cryptocurrencies, digital tokens and NFTs.
4. "Wallet" refers to an e-wallet to store and manage Assets of its user and to send and receive the Assets (hereinafter "Transmit").
5. "Wallet Address" refers to the unique identifying address that exists on the Wallet.
6. "Distributed Code" refers to a mathematically encrypted piece operated as a private key when certain conditions are met, and required for issue of Wallet Address, transaction of Asset and recovery of the Distributed Code, etc.
7. "Distributed Code Holder" refers to an individual, organization or entity other than the Member or the Company who keeps the Distributed Code with consent of the Member.
8. "Member" refers to a user who enters into the Service Agreement with the Company pursuant to the provisions of this Terms and Conditions and uses the Service.
9. "Account" refers to a service account created for the purpose of identity verification, management of the right of use, etc. provided to the Members who agree to this Terms and Conditions and enter into Service Agreement with the Company.
10. "Third Party Service" refers to a service provided to the Member by a third party not owned or controlled by the Company, which the Member may access or use through the Service. The provider of Third Party Service is referred to as "Third Party Service Provider", and the terms and conditions that are the rights and obligations regarding the Third Party Service stipulated by the Third Party Service Provider are referred to as "Terms and Conditions of Third Party Service". The Third Party definitions under this paragraph include Affiliate unless mentioned otherwise.
11. "Affiliate" refers to an entity having a partnership with the Company among the Third Party Service Provider prescribed in the Paragraph 10, and providing service affiliated with the Company to the Member. The service provided by the Affiliate is referred to as an "Affiliate Service", and the terms and conditions stipulating the rights and obligations regarding the Affiliate Service are referred to as "Terms and Conditions of Affiliate Service".
**Article 3. Effect and Modification of Terms and Conditions**
1. This Terms and Conditions shall be posted on the relevant service page or notified to the Members in other proper ways, and shall come into effect when the Member has agreed to this Terms and Conditions. The Member who does not agree to this Terms and Conditions cannot use the Service.
2. The Company, if deemed necessary for its business or internal issues, can modify this Terms and Conditions. In such case, the modification details shall be announced or notified by the Company at least seven (7) days prior to the effective date. If the foregoing modification is material or unavoidably operates to the Members' disadvantage, the Company shall individually give the notice thereon, at least thirty (30) days prior to the effective date, to email address via email or to other means. The Member has a right not to agree on the modified Terms and Conditions, and the Company may terminate the Service Agreement, or not provide the applicable Services that are subject to the modified Terms and Conditions to the Member.
3. The Member shall be deemed to have consented to the modification unless the Member explicitly expresses refusal, after the Company, during the announcement or notification of the modified Terms and Conditions, explicitly informed or notified the Member that the consent to modification will be presumed unless the Member has expressed the intention to refuse by the effective date.
4. Unless the Company requests to agree on separate terms and conditions, this Terms and Conditions will be applied to a new service of the Company.
**Article 4. Notice**
1. If necessary, the Company may individually notify the Member using a reasonable means such as email to the email address registered by the Member.
2. The Company can instead thereof publish an announcement intended for all or majority of the Members on the Service page. If the announcement includes a modification that is material or unavoidably operates to the Members’ disadvantage, the Company will also individually give the notice thereon, at least thirty (30) days prior to the effective date, to the email address registered by the Members via email or to other means.
3. For the notification or announcement provided under this Article, the Company shall not be responsible for any errors or failures to receive them caused by the Member such as entering wrong contact information or blocking the Company’s email address.
**Article 5. Additional Terms and Third-Party Services**
1. The Company may provide separate terms and conditions or operation policies for specific services within Talken Wallet. In such cases, those specific terms and conditions or policies shall take precedence over these Terms and Conditions for the relevant services.
2. Talken Wallet may include or provide access to services, content, or features offered by third parties ("Third-Party Services"). The use of such Third-Party Services may be subject to separate terms and conditions provided by the third-party service providers.
3. In case of any conflict between these Terms and Conditions and the terms and conditions of Third-Party Services or specific services with separate terms, the latter shall prevail for the relevant services.
4. The Member acknowledges and agrees that the Company is not responsible for Third-Party Services, and the Member's use of such services is at their own risk. The Company does not endorse, warrant, or guarantee the products or services offered by third-party providers and is not liable for any damages or losses caused by the Member's use of Third-Party Services.
5. The Member is responsible for reviewing, understanding, and complying with the separate terms and conditions that apply to any specific services or Third-Party Services they choose to use within Talken Wallet.
6. The Company reserves the right to modify, suspend, or discontinue the integration of any Third-Party Services within Talken Wallet at any time without prior notice.
7. Any matters that are not prescribed in this Terms and Conditions shall be subject to the relevant laws and regulations.
####
#### **Chapter 2: Sign-up and Withdrawal for Membership**
**Article 6. Formation of Service Agreement**
1. The Service Agreement shall come into effect after the Company approves for sign up for the Service by the Member who has agreed to this Terms and Conditions. The Company may ask the Member to confirm the information provided.
2. The Member with intention to use the Third Party Service shall agree on the Terms and Conditions of Third Party Service, and obtain the right to use the Third Party Service. The Terms and Conditions of Third Party Service shall be applied to the Third Party Service.
3. The Company may refuse or withdraw approval on the application for sign up, for any of the following cases:
1. The applicant is under 19 years of age;
2. The applicant has entered false information in process of sign up;
3. Any hacking attack or other accident has occurred;
4. The applicant is a resident of a country where the Service is not provided;
5. The applicant is involved in or likely involved in an illegal act such as money laundering, terrorist financing or unfair business practice;
6. It is difficult to approve the application due to the relevant laws and regulations, supervisory regulations, guidelines of supervisory agencies, or the Terms and Conditions of the Company and Affiliate;
7. The use of Service is deemed to be intended for acts against public order and/or good morals and manners;
8. It seems hard for the Company to approve the application due to facility, technical or operational issues; or
9. The required documents or information have not been submitted, or any other reasons that the sign up for the membership is deemed inappropriate.
**Article 7. Termination of Service Agreement and Restriction on Use**
1. The Member can apply for termination of the Service Agreement at any time. The Company will take actions accordingly as prescribed under the relevant laws and regulations and policies of the Company. Provided, however, that the Member shall transfer all the Assets in the Service before applying for the termination.
2. In spite of the termination of Service Agreement, the information recorded in Blockchain, such as the Wallet Address, will not be deleted. However, the Company will process the personal information recorded in the Blockchain by using the Service as the information corresponding to the Article 58-2 of the Personal Information Protection Act and make it unrestorable.
3. The Company may terminate the Service Agreement or restrict the use of Service in accordance with the Article 8, if a case falls under any of the following cases:
1. Provided that the Company finds a reason to refuse the sign up of the Member in accordance with the Paragraph 3 of the Article 6;
2. Provided that the Member materially breaches this Terms and Conditions during the Service use by an act which includes the Paragraph 5 of the Article 14; or
3. For other reasons that it is deemed necessary to refuse to provide the Service under the Subparagraph 1 and 2.
4. In the event of the termination of the Service Agreement, the withdrawal of membership, or the restriction on use of the Service, the Member is not able to use the Service in whole or in part, and the Third Party Service associated with the Service. However, the Third Party Service may be available in accordance with the Terms and Conditions of Third Party Service and its policies. The Member shall check each detail of the Terms and Conditions of Third Party Service and its policies.
**Article 8. Procedure for Termination and Restriction on Use by Company**
1. Before the Company terminates the Service Agreement or restricts use of the Service under the Article 7, the reason, date and period of the termination or restriction will be notified to the Member in writing. Within thirty (30) days from receiving the notification, the Member can appeal to the Company, if the termination or imposed restriction is dissatisfied. Provided, however, that, if the Member violates the current laws and regulations or causes damage to the Company by willful misconduct or gross negligence, the Company may terminate the Service Agreement or impose restriction on use of the Service without prior notice.
2. Where a war, incident, natural disaster, or equivalent emergency occurs or may occur, the Company may terminate or suspend the Service Agreement in whole or in part, without the procedure prescribed in the Paragraph 1.
3. The Company will immediately lift the restriction on use when the comment of the Member is deemed reasonable or when the reason for the restriction has been resolved during the restriction period.
**Chapter 3: Protection of Information**
**Article 9. Protection of Personal Information**
1. The Company may collect personal information to provide the Service only within the purpose and the scope agreed by the Member.
2. The Company shall exert every effort in protecting the personal information of the Member in accordance with laws and regulations to protect the personal information and the Privacy Policy posted on the Service page.
3. When the Member uses Third Party Service, the privacy policy of the Third Party Service, not of the Company will be applied. If a Third Party Service Provider collects personal information directly from the Member and uses it, the collection and use of the personal information is irrelevant to the Company so that the Company has no responsibility for its acts at all.
**Chapter 4. Use of Service**
**Article 10. Service in Details**
The Service provided by the Company is as follows.
1. Storage of distributed code and management of wallets.
1. The Service enables the Member to create three (3) Distributed Codes to issue Wallet Address, and to use for Transmit the Assets, payment for contents, electronic sign, etc. One of the Distributed Codes is stored in a device of the Member, and the Company and Distributed Code Holder separately keep each Distributed Code. The Member shall securely maintain the Distributed Code in a safe way not to be exposed to others.
2. The Company may provide live market value information of the Member’s Assets. The Member shall understand the Company simply delivers and displays the market value information provided by a third party solely for the convenience of the Members, and shall accept that the information may not reflect the current, accurate live market value of any or all the Assets of the Member, and that the Company shall not be liable for an error of the information caused by any reason without its willful misconduct or material negligence, including but not limited to the value fluctuation, circumstance of network or a third party.
3. The Company provides no warranty on credibility, etc. of Assets and the networks that the Member may access or trade through the Service and the Company is not responsible for any risks related to them unless it is occurred by its willful misconduct or material negligence. The Member shall check the information relating to the transaction and expressly assume full responsibility for all of the risks of transactions with the Asset.
4. The Service for each Asset may be suspended by the Company with a notification to the Member under the Article 4, if it is required by the relevant laws and regulations, government orders, investigation agency or if the Asset has a material issue related to its transaction such as closure of business.
2. Transfer of Asset
1. The Service enables the Member to transfer Assets through the Wallet Address. Member shall be solely responsible for the accuracy of the Wallet Address to be transferred to. The Company shall not be liable for any failures or losses as a result of transferring Assets to the address that is wrongly indicated by the Member.
2. The Company does not have control over Blockchain but just submits the Member’s order to Blockchain network to transfer Assets. Member shall understand and accept that the transaction may be unsuccessful or delayed depending on the circumstances of the Blockchain network, and be responsible to check the transaction history individually.
3. The transaction cannot be reversed by the Member once it has been broadcasted on the relevant network. Provided, however, depending on the type of the Asset, the transaction cannot be reversed even before its broadcast so that the Member shall check and understand the policies of each Asset. The Company shall not be responsible for that the Member is not able to cancel or revoke the order for a transaction and the transaction without its willful misconduct or material negligence.
4. To transfer the Assets, the fees, which are not refundable, including but not limited to gas fees will be charged by the Blockchain network and/or the Company. The fees charged by the Blockchain network and the fees charged by the Company are separate and are respectively determined by the policies of the Blockchain network and of the Company. The Company will post information about the fees before the relevant transaction.
3. NFT Transfer and Management\
1\. The Service enables Members to view and transfer NFTs held in their Wallet.\
2\. The Company does not guarantee the value, authenticity, or legitimacy of any NFT.\
3\. An NFT transfer cannot be reversed once it has been broadcasted on the relevant network.
4. Reward System\
1\. Members may earn rewards for using the Service and participating in marketing activities.\
2\. Rewards can be redeemed for cryptocurrency according to the Company's policies.\
3\. The Company reserves the right to modify the reward system at any time.
5. Provision of Third Party Service and Method of Payment Approval\
1\. The Member may access or use the Third Party Service including the Affiliates Service through the Service. When the Member confirms a transaction with electronic signature used by the Distributed Code, the Company allows the transaction to be submitted to the Blockchain network.\
2\. The use of Third Party Service is subject to separate operation policies such as the Terms and Conditions of Third Party Service agreed by the Member. The Company may provide the Member with information of and links to the Third Party Service. Provided, however, that the Company does not act as agent or nominee on behalf of any Third Party Provider, nor provide a warranty, implied or expressed, on accuracy and credibility, etc. of the Third Party Service and any information provided by the Third Party Service Provider. The Company shall not be liable for any loss and damage of the Member caused by the Third Party Service without its willful misconduct or material negligence.\
3\. The Affiliate may provide the Member with a payment method of a Third Party Service. The Affiliate Service may differ in content, provider, and scope of support for each service. Before proceeding with the payment, the Member shall fully understand the contents of the Affiliate Service and Third Party Service through the Terms and Conditions of Affiliate and the Terms and Conditions of Third Party Service, and their related operation policies. Provided, however, depending on the relevant policies of the Affiliate Service and Third Party Service, the payment cannot be canceled or revoked before or after the completion of the payment so that the Member shall check and understand the policies respectively. The Company shall not be responsible for that the Member is not able to cancel or revoke the payment without its willful misconduct or material negligence.\
4\. Token swaps and cross-chain transfers are provided through third-party decentralized exchanges, liquidity pools, and bridges. The Company acts only as an interface that routes such transactions and does not operate, control, or guarantee these third-party protocols, and shall not be responsible for any loss arising from them without its willful misconduct or material negligence.
6. AI Assistant
1. The Company may provide an in-wallet AI assistant that answers questions and assists the Member with functions within the wallet, including preparing transactions, through third-party AI providers. The outputs of the assistant may be inaccurate, incomplete or outdated, and do not constitute financial, legal, tax or investment advice.
2. The assistant does not execute any transaction without the Member's review and confirmation. The Member shall be solely responsible for reviewing the details of, and confirming, each transaction before it is signed and broadcasted, and for any transaction the Member confirms.
3. The Company does not warrant the accuracy of the assistant's outputs and shall not be responsible for any loss arising from a transaction confirmed by the Member without its willful misconduct or material negligence.
4. The Company may change, limit, suspend, or discontinue the assistant or any of its features at any time.
7. Other incidental or newly added services
8. The Service may be subject to change in the content and the scope of the services due to circumstance of the Company, partnership with the Third Party Service Provider and its service policies, etc.
9. A Specific software and programs, access to a wired and wireless network such as internet is required to use the Service and the aforementioned factors might be necessary to be updated or upgraded from time to time.
10. Paid Services. The Company may provide paid Services.
**Article 11. Service Hours, Restriction on and Modification of Use of Service**
1. The Company will, in principle, provide the Service 24/7/365, unless there is any particular problem with its business or technology.
2. The Company may restrict the Service hour described in the Paragraph 1 after prior notice to the Members with reasons such as regular or provisional check for equipment maintenance of the Service.
3. The Company may temporarily suspend the Service in whole or in part or permanently close the Service due to avoidable reasons such as urgent check for equipment maintenance, equipment failure, traffic overload, suspension of Asset market, natural disaster, national emergency, government policy, power failure or other force majeure events.
4. Suspension of the Service caused by any of the foregoing reasons shall be notified in advance or announced in the method prescribed in the Article 4. However, if the prior notice or individual notice is significantly difficult due to an unavoidable reason, the notice will be made after the reason is resolved.
5. If there is a material change in the Service contents, usage method, etc., the Company shall post the reason for the change, the details of the Service to be changed, and the date of change, etc. on the Service page, or give the Members a prior notice or individual notice above. However, if the prior notice or individual notice is significantly difficult due to an unavoidable reason, the notice will be made after the reason is resolved. Unless the Member agrees to the aforementioned changes, the Company may terminate the Service Agreement at any time with explicit refusal to accept the changes.
6. If the Company provides paid Services, their fees and conditions will be communicated to Members in advance.
**Article 12. Advertisement**
1. The Company may provide advertising and promotional information about third parties or their services for commercial purposes to the Member by posting on the Service page. Here, the Company only delivers the information and does not provide any warranty, expressed or implied, on the advertisements and promotion information of third parties’ services. Thus, the Company shall not be responsible for the advertising and promotional information without its willful misconduct or material negligence.
#### **Chapter 5. Obligations**
**Article 13. Obligations of Company**
1. The Company shall exert effort in providing stable Service in accordance with this Terms and Conditions.
2. The Company handles comments raised by the Member according to proper procedure and may communicate the process of handling and the results to the Member.
3. The Company shall maintain thorough security of the Member's information and uses it only for the purpose of providing, operating or improving Services. The Company shall not transfer the Member's information to any other entity or individual for any other purpose, unless agreed by the Member or permitted by the relevant laws and regulations
**Article 14. Obligations of Member**
1. The Member shall abide by relevant laws and regulations, this Terms and Conditions, operation policies and user guide of the Company and other matters that posted or notified by the Company and Affiliate.
2. The Member shall use the Member’s own current information. The Company shall not be responsible for any disadvantages caused by not entering the contact information or not updating the changed contact information.
3. The Member shall keep and manage the device for the Service such as a cellphone and application, and pay sufficient attention to prevent steal, forgery, tampering, hacking, and loss of the device. The Member shall be solely responsible for managing the Member's own Account of the Service. The Member who recognizes an illegal use of the Account shall notify the Company of it.
4. The Member shall be responsible for any disadvantages caused by any negligence of the Member such as loss of Account or Distributed Code, and the Company shall not be responsible for them without its negligence.
5. The Member must not:
1. Enter false fact while applying or modifying during the Service use, inappropriate or unjustifiably use the other Members' email address, etc.;
2. Violate other rights of the Company or of a third party including copyright;
3. Register or circulate computer viruses or other malicious software to cause malfunction of equipment;
4. Do an act causing malfunction of service-related facilities or destruction of information or confusion, etc.;
5. Change any information to provide oneself or others with proprietary benefits, or to damage others;
6. Use the Service in a manner other than for which the Service is provided; or
7. Other acts violating laws, against public order and/or good morals and manners.
8. Manipulate the reward system or attempt to earn rewards through fraudulent means.
9. Send or receive NFTs without verifying their authenticity and legitimacy.
6. If the Member fails to abide by the obligations under this Article, the Company is entitled to restrict or permanently suspend the Member’s use of the Service or may make civil or criminal action against the Member. The Company shall not be responsible for any disadvantages or damages incurred by the case above without its willful misconduct or material negligence.
**Chapter 6 Rights**
**Article 15. Right to Use, etc.**
1. All patents, copyrights, and other intellectual property rights to the Service and all data related to the Service are retained by the Company. The Company grants the Member the non-exclusive and non-transferrable license to use the Service.
2. The Member is, in principle, prohibited from engaging in any infringement in the Company’s intellectual property rights to the Service, or from creating derivative works of the Service.
3. The Member is also prohibited from removing or changing any information on rights such as proprietary notices, marks or labels from Service. Except as expressly authorized under this Terms and Conditions, the Member shall not reverse engineer, decompile, and disassemble the Service.
4. Without prior written consent of the Company, the Member shall not translate, re-distribute, re-transmit, publish, sell, rent, lease, trade, resell, pledge, mortgage, transfer, revise, modify or expand all or any part of the Service. Such acts may constitute an infringement of the copyright and will be therefore subject to civil and criminal liabilities.
5. The information collected during the Service use may be used to improve and enhance the quality of the Service, to develop new Services and other purposes with a consent of the Member.
**Article 16. Open-Source Software**
1. The Service may include a specific software or library using open-source software. In this case, the license to the open-source software is granted to the Member in accordance with the terms and conditions of its proprietary license applicable.
2. The Member can find the details of the terms and conditions of individual licenses and related documents, other data, indication of copyright, etc., on the Service page, which may be changed by the licensors without separate notification or notice. In case that there is any conflict between this Terms and Conditions and the terms and conditions of open-source software, the terms and conditions of the open-source license shall prevail.
3. The open-source software is distributed in the expectation that it will be useful to the Member. Nevertheless, the Company does not provide a warranty, implied or expressed, on whether it is fit for a specific purpose or that it can be used for sale. The Company shall not be liable for any and all losses arising out of the Member’s use of the open-source software without its negligence.
**Chapter 7. Dispute Settlement, etc.**
**Article 17. Governing Law and Jurisdiction**
1. Any dispute arising between the Company and the Member from the use of the Service and this Terms and Conditions shall be governed by the laws of the Republic of Korea.
2. Only the courts of the Republic of Korea have jurisdiction over all disputes related to the use of Services, and the courts with jurisdiction are determined in accordance with the Civil Procedure Act.
**Article 18. Damage**
1. The Company will compensate for damage caused by its negligence in accordance with the relevant laws and regulations.
2. The Member shall compensate for any loss and damage of the Company, a Member and a third party caused by the Member’s violation of any policies posted or notified by the Company, including but not limited to this Terms and Conditions, operation policies and rules, or the relevant laws and regulations. If the Company gets involved in any kind of claim including a lawsuit filed by a Member or a third party for damages caused by the Member, the Member shall hold harmless and indemnify the Company at the Member’s own responsibility and expense, otherwise, the Member shall compensate for any loss and damage of the Company. Provided, however, that the Company shall be responsible for loss and damage of the Member occurred by its negligence.
3. The Company will not compensate the Member for any disadvantages or damages caused by change, suspension or termination of the Service due to an internal ground of the Company, unless otherwise required by laws.
**Article 19. Risk of Assets and Transaction and Indemnification**
1. The Member shall fully understand and agree on the following:
1. The value of the Assets is highly volatile and may be rapidly changed. Thus, the holders of Assets may suffer a huge loss. The Company does not guarantee the value of the Assets;
2. The Company does not guarantee the suitability, safety, integrity and etc. of the Assets and networks;
3. Information recorded in the Blockchain is difficult to be deleted. Thus, it might not be possible to cancel a transaction or delete the information and etc.;
4. The Assets can be adversely affected by Blockchain network's upgrade, operation or suspension of hard fork, etc.;
5. Regulations on the Assets such as Blockchain and cryptocurrency are uncertain, and new regulations or policies might have a substantial impact on the potential usefulness, value, and stability of the Assets. In other words, the Service, in whole or part, can be changed or terminated in accordance with the instructions, recommendations of the government or regulators, or the relevant laws and regulations; and
6. There are risks associated with system and communication such as hardware, software and networks, and with use, transmission and storage of the internet-based Assets, including but not limited to hacking, malicious software inflows, unauthorized access to a third party’s information and wallets.
7. NFTs may be subject to high volatility and legal uncertainties. The Company does not guarantee the future value, uniqueness, or legitimacy of any NFT held or transferred through the Service.
8. Rewards have no cash value until redeemed and the redemption process is irreversible. The Company is not responsible for any loss of assets due to the Member's error in the redemption process or changes in cryptocurrency value after redemption.
9. The AI assistant relies on third-party AI models whose outputs may be erroneous, and the assistant may invoke automated tools. The Member shall independently verify all information and transactions before confirming them, and bears the risk of relying on the assistant's outputs.
2. The Company shall not be responsible for damages that are caused by carelessness or negligence of the Member, that are not predictable for the Company, or that are relating to civil or criminal issues between the Member and a third party without the Company's negligence.
3. The Company shall not be responsible for the loss of revenue expected by the Member using the Service. In addition, the Company does not guarantee the accuracy of any materials provided through the Service and is not responsible for any related damages. Provided, however, that the Company shall be responsible for damages occurred by its negligence.
4. The Member shall be responsible for all matters including but not limited to storage, prevention for theft and loss of Wallet Address, Distributed Code, Assets, Account information, etc. and the Company shall not be responsible for any loss or damage without its negligence.
5. With regard to the Service and all the data included therein, the Company disclaims, within the scope permitted under the relevant laws and regulations, any warranties, expressed or implied, including the warranties of merchantability, fitness for a particular purpose, performance, quality, credibility, sustainability, timeliness, intellectual property rights such as copyright or non-infringement, unless it is prescribed thereon in this Terms and Conditions
**Article 20. No Assignment**
The Member shall not assign, give or provide as security the right to use the Service or the contractual status related to the right to use the Service to any third party.
Effective Date: July 5, 2026
# TALK Token
Source: https://docs.talken.io/tokenomics/talk-token
### TALK
The TALK token facilitates multiple tokenomics, serving as governance token and a utility token.
* Date of issuance: April 27, 2021
* Maximum supply: 500,000,000 TALK
* Total issued: 500,000,000 TALK
* Contract Address
* Ethereum(ERC20): [0xCAabCaA4ca42e1d86dE1a201c818639def0ba7A7](https://etherscan.io/address/0xcaabcaa4ca42e1d86de1a201c818639def0ba7a7)
* BNB Chain: [0x7D61D3752F759c71f5291358408947aFf7b0Ff2c](https://bscscan.com/address/0x7d61d3752f759c71f5291358408947aff7b0ff2c)
* Polygon: [0xE7e72bE51C3b4E1F3cEB34e177e1bA1c1744fD7d](https://polygonscan.com/address/0xe7e72be51c3b4e1f3ceb34e177e1ba1c1744fd7d)
* Kaia: [0x55863cb9a7f92c134e9f8edb6c655b92d60493b5](https://kaiascan.io/address/0x55863cb9a7f92c134e9f8edb6c655b92d60493b5)
* Solana: [3xUK7cHo3Vfh7uQCTkS2GUhJJuXhg2RXgApNYKHZ1B5R](https://solscan.io/token/3xUK7cHo3Vfh7uQCTkS2GUhJJuXhg2RXgApNYKHZ1B5R)
### Token Distribution
20% of the total token supply will be used for marketing programs for community development. Another 20% goes to partner funds contributing to project development and growth. 15% goes to the contributors of the DAO.
**Wallet Addresses:**
* Team: [0x6Edd1b85317B8DD97d022a8A6F80517209276E8a](https://etherscan.io/address/0x6Edd1b85317B8DD97d022a8A6F80517209276E8a)
* Marketing: [0xe8C0B6cb11aF83091D70B655fD4e9740736d11cE](https://etherscan.io/address/0xe8c0b6cb11af83091d70b655fd4e9740736d11ce)
* Talken DAO: [0x9605D8819Bb160191d761234A73F93B71bD530Cd](https://etherscan.io/address/0x9605d8819bb160191d761234a73f93b71bd530cd)
* Partner: [0x36C7cDBc69771C1AC4aC392113c5b2afaDf41235](https://etherscan.io/address/0x36c7cdbc69771c1ac4ac392113c5b2afadf41235)
### Token unlock schedule
TALK tokens were issued in April 2021 and will be gradually unlocked according to schedule until November 2027.
# TALK Tokenomics (TALKenomics)
Source: https://docs.talken.io/tokenomics/token-utility
### **Highlights**
TALK token is the utility and governance token of the Talken ecosystem.
Users can earn rewards through utilizing various services of Talken Wallet and participating in missions, and can freely exchange with partner company points. Additionally, token holders can directly participate in policy decisions regarding ecosystem operations and Treasury usage including Grant Programs.
### **Key Token Utilities**
* Talken Wallet
* Storage and Web3 service utilization through Talken Wallet
* Payment of various service fees and earning Talken rewards
* Talken Swap
* Exchange TALK for other tokens through Talken Swap
* Swap fee payment using TALK (Planned)
* Talken Rewards & Missions
* Earning Talken Reward points through participation in Talken Missions
* Receiving Talken Rewards based on Talken Wallet activity participation
* Free exchange between Talken Reward Points and TALK tokens
* Talken Points Hub
* Partner company point exchange through Talken Points Hub
* Integration with various ecosystem partner point systems
### **Key Governance Activities**
* Ecosystem Decision-Making Participation
* Exercising voting rights proportional to token holdings
* Policy decisions on Treasury operations and Grant Programs
* Setting partner onboarding criteria and fee structures
* Establishing reward systems and point exchange policies