Disclosures

Next Bridge is a demonstration platform built as a university senior project. It is not a regulated financial service, is not authorized by any financial regulator in any jurisdiction, and does not accept, hold, or move real customer funds. Account balances displayed on the platform are simulated. Deposit addresses generated for users are cryptographically derived but the on-chain treasury they correspond to is unfunded by design.

Nothing displayed on this platform — including market quotes, charts, Open-High-Low-Close-Volume candle data, the AI assistant's responses, automated trading strategy outputs, or peer-to-peer offer listings — constitutes investment, financial, legal, tax, or accounting advice. The platform is provided for educational and demonstration purposes. Users should not rely on it to inform real- world investment decisions.

The cryptocurrency assets referenced by the platform are exceptionally volatile in real markets. Prices can change by ten percent or more in a single day; some assets have lost more than ninety percent of their value within a calendar year. Total loss of principal is a realistic outcome for any real position in any cryptocurrency asset. The simulation reflects this volatility because it pulls live prices from public sources.

Spot prices on the platform are sourced from a blend of three public upstream providers: CoinGecko, OKX, and Binance. When all three sources are reachable, the platform displays and settles trades on the median of the three. When any source is unavailable, the remaining sources are used. The platform refuses to settle trades on stale fallback prices: if every upstream source fails, the trade is rejected rather than being executed against an outdated quote.

Cryptocurrency deposit addresses are deterministically generated using the BIP44 hierarchical-deterministic derivation standard from a single secret. Addresses across all twelve supported networks (Bitcoin, Ethereum, Arbitrum, Optimism, Base, Avalanche, Polygon, BNB Smart Chain, Solana, TRON, Litecoin, Dogecoin) are technically valid and could in principle receive on-chain transfers. Users are nonetheless advised not to send real funds to addresses generated by this platform; the platform's treasury management has not been audited, the signer is in a development configuration, and the platform makes no commitment to operate or maintain these addresses beyond the duration of the senior project demonstration.

Identity verification is performed via Sumsub in sandbox mode. Users are explicitly asked not to submit real government-issued identification documents. Sumsub provides sandbox-mode test documents for use during demonstrations. The platform does not at any point verify these documents against a real sanctions list, real anti-money-laundering registry, or any other production-grade identity infrastructure.

The integrated assistant is implemented on top of a large language model provided by Anthropic. Language models occasionally produce incorrect or misleading statements, even when given accurate underlying data. Every potentially money-moving action issued by the assistant requires an explicit user confirmation before execution; the assistant cannot withdraw funds or execute trades without that confirmation. Users should treat the assistant's responses as a starting point for their own analysis rather than authoritative guidance.

The platform publishes a monthly Proof of Reserves attestation constructed from a Merkle tree over all user balances at the time of the snapshot. The attestation is intended to demonstrate that the platform's recorded liabilities reconcile to its on-chain reserves. The current attestation is verifiable per-user through the public page at /proof-of-reserves. Because the treasury is unfunded by design, the attestation currently reconciles trivially.

The platform charges the following fees on the simulated trading surface:

• Spot trading — 0.1 percent of the trade total, charged once per fill.
• Peer-to-peer marketplace — 0.5 percent of the completed trade, charged on the buyer side.
• Quick Trade spread — 3 percent (buy at 1.03 of the reference price, sell at 0.97), inclusive of any platform fee.
• Withdrawal network fees — fixed per network, charged at withdrawal time.

Withdrawals are capped at a daily aggregate of five thousand units of the platform's reference stablecoin per account. Withdrawals above this threshold are routed to an administrator-review queue; nothing is settled automatically above the threshold.

The platform is built on top of the open-source ecosystem and is indebted to the maintainers of Next.js, Prisma, React, Tailwind CSS, ethers.js, @solana/web3.js, bitcoinjs-lib, the @simplewebauthn libraries, the Inngest workflow engine, and the Anthropic Software Development Kit, among many others. Full dependency information is published in the project repository.

Several controls referenced in the platform's administrative user interface — including multi-signature treasury policies and admin co-sign requirements — are present as scaffolding but are not actively enforced. These rows are explicitly labeled “Scaffolding · not enforced” in the user interface so an operator cannot mistake the present state for production-grade policy enforcement.