The Whole Market, All At Once.

The MemDex Automated Portfolio is a fully automated digital asset portfolio system designed to provide broad, diversified exposure to the crypto market through a single, continuously managed structure. The portfolio is composed of 100 digital assets spanning major sectors of the ecosystem, including blue-chip assets, RWAs, AI, DeFi, gaming, and meme coins. It is built to operate across multiple blockchains and adapt to a market that never stops moving.

MemDex is designed for long-term participation in digital markets without requiring users to actively trade, monitor charts, or manage complex strategies. Rather than relying on discretionary decisions or manual intervention, the portfolio operates through a disciplined, rules-based system that runs continuously.

The Portfolio Engine

At the core of MemDex is a custom algorithmic rebalancing engine. This engine evaluates portfolio composition and executes rebalancing trades automatically based on predefined rules and market conditions. The goal is not to predict short-term price movements, but to manage exposure over time in a consistent, systematic manner.

By removing human emotion from the decision-making process, MemDex is designed to avoid the behavioral pitfalls that often affect individual market participants. The system operates hands-off, executing adjustments according to logic rather than reaction.

AI-Assisted Research Layer

Supporting the core rebalancing engine is a custom AI research layer. This layer operates as a set of agential research teams that continuously monitor each asset in the portfolio.

Each asset is assigned a dedicated AI research team which continuously analyzes a range of inputs, including market data, on-chain activity, social sentiment, and relevant news.

The research output is used to inform the algorithm's rebalancing decisions while preserving the integrity of the rules-based framework.

The AI layer enhances situational awareness and context, helping the system respond to changing market environments without introducing discretionary behavior.

Built for a 24/7 Market

Digital asset markets operate globally and continuously. Managing exposure across 100 assets in such an environment is simply not practical for most individuals without automation.

MemDex is designed to handle this complexity automatically. The system operates around the clock, continuously monitoring and adjusting the portfolio so users do not need to react to every market movement or maintain constant attention.

Cross-Chain Infrastructure

The MemDex Automated Portfolio is built on NEAR Protocol and leverages the modern cross-chain infrastructure of NEAR Intents to support efficient execution and scalability. This architecture allows the system to route transactions across multiple blockchains while maintaining low fees and operational efficiency.

Cross-chain capability is essential for managing a diversified portfolio that spans multiple ecosystems. MemDex is designed with this requirement at its foundation.

Performance Evaluation

The MemDex algorithm has been evaluated using multi-year historical backtesting against major benchmarks, including Bitcoin, the S&P 500, the NASDAQ, and Gold.

These backtests are based on simulated historical data and are intended to evaluate how the system would have behaved under past market conditions.

Backtest results are not guarantees of future performance. An independent audit of the algorithm and reported metrics is currently underway. Access to detailed performance data is provided through authorized channels and subject to appropriate disclosures.

Community and Ecosystem

Alongside the automated portfolio is the $MEMDEX community token. The token is included within the portfolio and serves as a core component of the broader ecosystem.

The platform incorporates a buyback and burn mechanism and is designed to support future community-focused features such as staking and additional utilities as the ecosystem evolves.

The MemDex ecosystem is designed to align long-term participation, transparency, and sustainability.

Transparency and Responsibility

Transparency is a core principle of the MemDex platform. All performance reporting is subject to legal review and appropriate disclosures. Independent audits, clear communication, and responsible presentation of data are foundational to how MemDex operates.

Conclusion

The MemDex Automated Portfolio is not a trading bot or a static index. It is a continuously operating portfolio system designed to manage broad market exposure through automation, discipline, and scalable infrastructure.

As digital markets continue to evolve, MemDex is built to evolve with them.

Investing in digital assets, including cryptocurrencies, involves substantial risk and is not suitable for every investor. Before participating, you should carefully consider your investment objectives, level of experience, and risk tolerance. The following disclosures outline the key risks associated with digital asset investing and the MemDex Automated Portfolio.

Market Volatility and Price Risk

Digital assets are highly speculative investments. The price of digital assets is highly volatile and may experience significant fluctuations over short periods of time. The value of your holdings can decrease substantially and may be reduced to zero. Cryptocurrency markets are sensitive to new developments, media coverage, and public sentiment, any of which can induce large swings in volume, liquidity, and price. You should be prepared for the possibility of losing some or all of your investment.

No Guarantee of Returns

There is no guarantee that any investment strategy, including automated portfolio management, will generate income or achieve a profit. The value of digital assets is not guaranteed by any institution and cannot be insured through traditional mechanisms. Digital asset holdings are not protected by the Federal Deposit Insurance Corporation (FDIC) or the Securities Investor Protection Corporation (SIPC). You should not invest money that you cannot afford to lose.

Past Performance Disclaimer

Past performance is not indicative of future results. Any historical information, backtesting data, or performance analysis presented is based on simulated historical conditions and does not guarantee or reliably indicate future performance. No representation or warranty is made with respect to the accuracy or completeness of any performance data or the future performance of any digital asset or portfolio strategy.

Automated and Algorithmic Trading Risks

Automated trading systems, including algorithmic rebalancing engines, may experience errors, delays, software bugs, or unexpected behavior. System outages, network congestion, or connectivity issues can cause strategies to execute incorrectly, fail to execute, or execute at unintended prices. No representation is made or implied that the use of any automated system will generate income or guarantee a profit. Automated systems operate based on predefined rules and may not adapt to all market conditions or unprecedented events.

Technology and Security Risks

Investing in digital assets carries various technology and security risks, including but not limited to fraud, theft, hacking, cybersecurity breaches, programming bugs, smart contract vulnerabilities, and accidental loss. Transactions in digital assets may be irreversible, and losses due to fraudulent or accidental transactions may not be recoverable. If private keys are lost or compromised, the associated assets may be permanently inaccessible. Trading platforms and blockchain networks may experience unplanned outages, system failures, or malicious attacks.

Blockchain and DeFi-Specific Risks

Blockchain-based protocols and decentralized finance (DeFi) systems carry unique risks including smart contract bugs or exploits, protocol failures, oracle manipulation, irreversible transactions, hard forks, 51% attacks, and technological obsolescence. Smart contract code, once deployed, may contain vulnerabilities that can be exploited. Blockchain-based transactions automatically execute and settle, and confirmed transactions cannot be reversed or undone.

Liquidity Risk

Digital assets may have limited liquidity, which may make it difficult or impossible to sell or exit a position when you wish to do so. Market conditions, trading volume, and counterparty availability can all affect the ability to execute trades at desired prices. Low liquidity may result in significant slippage or inability to complete transactions.

Regulatory and Legal Risks

Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the use, transfer, exchange, and value of digital assets. The regulatory landscape for digital assets is still developing and may change significantly. It may be, or in the future become, restricted or illegal to acquire, own, sell, or use certain digital assets in one or more jurisdictions. Markets and exchanges for digital assets are not currently regulated in the same manner and do not provide the same customer protections available in traditional financial markets.

Tax Implications

The tax treatment of digital assets varies by jurisdiction and is subject to change. Each transaction, whether executed manually or automatically, may create a tax obligation that requires proper documentation and reporting. You are solely responsible for determining and fulfilling your tax obligations. We strongly recommend consulting with a qualified tax professional regarding the tax implications of digital asset transactions.

Not Financial Advice

No communication or information provided by MemDex is intended as, or shall be considered or construed as, investment advice, financial advice, trading advice, or any other sort of advice. All information is provided for informational purposes only. You are solely responsible for determining whether any investment, strategy, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You should consult with qualified financial, legal, and tax professionals before making any investment decisions.

Transparency and Responsibility

Transparency is a core principle of the MemDex platform. All performance reporting is subject to legal review and appropriate disclosures. Independent audits, clear communication, and responsible presentation of data are foundational to how MemDex operates.

Acknowledgment

By using the MemDex platform, you acknowledge that you have read, understood, and accepted the risks described in this disclosure. You understand that digital asset markets are volatile and unpredictable, that losses can be substantial, and that no system or strategy can eliminate the inherent risks of investing in digital assets. You agree that you are solely responsible for your investment decisions and that MemDex shall not be liable for any losses incurred.

Last updated: February 2026

MemDex ("we," "us," or "our") operates the MemDex Automated Portfolio platform. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our website and services. By accessing or using the MemDex platform, you agree to the practices described in this policy.

This platform is not directed to users located in jurisdictions where digital asset services are restricted or prohibited.

Information We Collect

We collect information you provide directly, as well as information generated through your use of our platform:

Account Information: When you create an account, we collect your email address and password. We do not collect your name, phone number, or government-issued identification.

Wallet Information: When you connect a NEAR wallet, we receive your public wallet address. We do not have access to your private keys or seed phrases. Your wallet address and on-chain transaction history are publicly visible on the NEAR blockchain by design.

Communication Data: If you subscribe to our newsletter, we collect your email address. If you contact us, we retain the content of your correspondence.

Usage Data: We automatically collect technical information including your IP address, browser type, device information, pages visited, and session duration. This data helps us maintain and improve the platform.

How We Use Your Information

We use your information for the following purposes:

• Providing, operating, and maintaining the MemDex platform and your account
• Authenticating your identity and managing your sessions
• Displaying portfolio performance data through your dashboard
• Sending service-related communications (security alerts, system updates)
• Sending marketing communications where you have opted in (e.g., newsletter)
• Monitoring for fraud, unauthorized access, and security threats
• Analyzing usage patterns to improve platform performance and user experience
• Complying with applicable legal and regulatory obligations

Blockchain Data

MemDex operates on the NEAR Protocol blockchain. Transactions executed by the algorithmic rebalancing engine, including trades and portfolio adjustments, are recorded on-chain. Blockchain data is publicly accessible, immutable, and cannot be deleted or modified by MemDex or any other party. We cannot fulfill deletion requests for data that exists on the blockchain, as this is a fundamental characteristic of distributed ledger technology.

How We Share Your Information

We do not sell your personal information. We may share information in the following circumstances:

Service Providers: We may share data with trusted third-party service providers who assist in operating our platform (e.g., hosting, analytics, email delivery), subject to confidentiality obligations.

Legal Requirements: We may disclose your information if required by law, regulation, legal process, or governmental request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

Data Retention

We retain your account information for as long as your account is active or as needed to provide you services. If you close your account, we will delete or anonymize your personal information within a reasonable timeframe, except where retention is required by law or for legitimate business purposes such as fraud prevention. On-chain data cannot be deleted due to the immutable nature of blockchain technology.

Data Security

We implement industry-standard security measures to protect your personal information, including encryption of data in transit, secure password hashing (Argon2), and access controls. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Cookies and Tracking

We use session cookies to maintain your authenticated state while using the platform. We may also use analytics tools to understand how visitors interact with our website. You can control cookie settings through your browser preferences.

Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to blockchain limitations)
• Opt out of marketing communications at any time
• Object to or restrict certain processing activities
• Request portability of your data

Data access, correction, or deletion requests may be submitted to privacy@thememdexap.com. Requests will be acknowledged within 5 business days. For all other enquiries, contact us at contact@thememdexap.com.

California Residents (CCPA)

If you are a California resident, you have the right to know what personal information we collect, request its deletion, and opt out of any sale of personal information. MemDex does not sell personal information. To submit a request, contact us at the email address above.

European Residents (GDPR)

If you are located in the European Economic Area, our legal basis for collecting and using your personal information is your consent (for marketing communications), performance of a contract (for providing our services), and our legitimate interests (for security and platform improvement). You have the right to lodge a complaint with your local data protection authority.

Children's Privacy

The MemDex platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us and we will take steps to delete such information.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on this page with a revised "Last updated" date. Your continued use of the platform after any changes constitutes acceptance of the updated policy.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at contact@thememdexap.com.

Last updated: February 2026

These Terms of Service ("Terms") govern your access to and use of the MemDex Automated Portfolio platform, website, and related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

1. Eligibility

You must be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater, to use the Service. By using the Service, you represent and warrant that you meet this eligibility requirement and have the legal capacity to enter into a binding agreement.

The Service may not be available in all jurisdictions. You are responsible for ensuring that your use of the Service complies with all applicable laws and regulations in your jurisdiction. The Service is not available to persons located in, or residents of, any jurisdiction where the use of digital asset services is prohibited or restricted.

2. Description of Service

MemDex provides an automated, algorithmic portfolio management system built on the NEAR Protocol blockchain. The Service manages a diversified portfolio of digital assets through rules-based rebalancing, supported by an AI-driven research layer. The algorithmic engine evaluates portfolio allocations and executes trades approximately every 15 minutes.

MemDex is not a registered investment adviser, broker-dealer, financial planner, or fiduciary. The Service provides automated portfolio management technology. It does not provide personalized investment advice, financial recommendations, or individualized guidance. No fiduciary relationship is created between MemDex and any user of the Service.

3. Account Registration and Security

To access certain features, you must create an account and connect a NEAR wallet. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use.

MemDex operates on a non-custodial basis. Your assets are held in a smart contract vault on the NEAR blockchain. Only you can initiate withdrawals. The MemDex engine cannot transfer funds out of your vault. You are solely responsible for the security of your wallet and private keys.

4. Fees

The Service charges a 0.1% transaction fee on rebalancing trades executed by the algorithmic engine. There are no management fees, performance fees, or subscription costs. Scheduled withdrawal gas fees are covered by the system. MemDex reserves the right to modify the fee structure upon no less than thirty (30) days prior written notice to users.

5. Risks and Assumption of Risk

Digital asset investing involves substantial risk including, but not limited to, market volatility, total loss of investment, smart contract vulnerabilities, blockchain network failures, regulatory changes, and liquidity constraints. A full description of these risks is provided in our Risk Disclosure.

By using the Service, you expressly acknowledge and assume all risks associated with digital asset investing and automated portfolio management. You understand that past performance, including backtested results, is not indicative of future results and that there is no guarantee of profit or protection against loss.

6. Automated Trading and Rebalancing

The MemDex algorithm operates autonomously based on predefined rules. You acknowledge that:

• Automated rebalancing may not execute at expected prices due to slippage or market conditions
• Network congestion or system outages may delay or prevent trade execution
• The algorithm may not adapt to all market conditions or unprecedented events
• Each automated trade may constitute a taxable event in your jurisdiction
• The algorithm operates without human discretion or intervention

7. Withdrawals

You may withdraw your assets at any time. Scheduled batch withdrawal windows occur twice daily with gas fees covered by the system. Instant withdrawals are available at any time. MemDex does not impose lock-up periods, but blockchain network conditions may affect withdrawal processing times.

8. Prohibited Conduct

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws
• Attempt to manipulate markets, prices, or the algorithmic engine
• Interfere with, disrupt, or compromise the integrity or security of the Service
• Attempt to gain unauthorized access to any part of the Service or its systems
• Use the Service if you are located in a jurisdiction where such use is prohibited
• Use automated tools to scrape, crawl, or extract data from the Service without authorization

9. Intellectual Property

The MemDex platform, including its algorithmic engine, AI research system, website design, content, logos, and trademarks, is the property of MemDex and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for its intended purpose. You may not copy, modify, distribute, or create derivative works based on any part of the Service.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. MEMDEX DISCLAIMS ALL WARRANTIES INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or secure, that defects will be corrected, or that the algorithmic engine will achieve any particular investment result. No advice or information obtained from MemDex shall create any warranty not expressly stated in these Terms.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MEMDEX AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF DIGITAL ASSETS, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY.

IN NO EVENT SHALL MEMDEX'S TOTAL LIABILITY TO YOU EXCEED THE AMOUNT OF FEES PAID BY YOU TO MEMDEX IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

12. Indemnification

You agree to indemnify, defend, and hold harmless MemDex and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Service, your violation of these Terms, or your violation of any applicable law or the rights of any third party.

13. Tax Responsibility

Automated portfolio rebalancing may trigger taxable events in your jurisdiction. You are solely responsible for determining, reporting, and fulfilling all tax obligations arising from your use of the Service. MemDex does not provide tax advice and makes no representations regarding the tax consequences of any transaction.

14. Modifications to the Service and Terms

MemDex reserves the right to modify, suspend, or discontinue any part of the Service at any time. We may update these Terms from time to time. Material changes will be communicated through the platform or via email. Your continued use of the Service after any changes constitutes acceptance of the revised Terms.

15. Termination

You may close your account at any time by withdrawing your assets and contacting us. MemDex reserves the right to suspend or terminate your access to the Service at any time, with or without cause, including for violation of these Terms. Upon termination, you retain the ability to withdraw assets from your non-custodial vault.

16. Force Majeure

MemDex shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to blockchain network failures, hard forks, cyberattacks, natural disasters, regulatory actions, or interruptions in third-party services.

17. Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of Panama, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If a dispute cannot be resolved through negotiation, it shall be submitted to binding arbitration. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

19. Contact

For questions about these Terms, please contact us at contact@thememdexap.com.

Last updated: February 2026

MemDex is committed to ensuring that our platform is accessible to all users, including individuals with disabilities. We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 at the AA level, which is the widely accepted standard for web accessibility.

Measures We Have Taken

We have implemented the following accessibility features across the MemDex platform:

Keyboard Navigation: All interactive elements, including navigation menus, buttons, modals, and form inputs, are accessible via keyboard. Modals can be closed using the Escape key.

Semantic HTML: We use proper heading hierarchy, landmark elements, and semantic markup to ensure screen readers can accurately interpret and navigate page content.

Alternative Text: Images and visual elements include descriptive alt text so that users relying on screen readers can understand the content being presented.

ARIA Labels: Interactive components such as close buttons, form controls, and navigation elements include ARIA attributes to provide context for assistive technologies.

Color and Contrast: We maintain sufficient color contrast ratios throughout the interface. Information is not conveyed by color alone — text labels and icons provide additional context.

Responsive Design: The platform is designed to work across a range of devices and screen sizes, and supports browser-level zoom up to 200% without loss of content or functionality.

Readable Typography: We use clear, legible fonts with appropriate sizing and line spacing to support comfortable reading.

Known Limitations

While we work to maintain accessibility across the platform, some areas may have limitations:

• Third-party embedded content (such as the live market ticker) may not fully conform to WCAG standards, as it is provided by external services outside our direct control
• Some data visualizations and charts in the dashboard may have limited accessibility for screen reader users — we are working on providing text-based alternatives
• Older browsers may not fully support all accessibility features

Ongoing Efforts

Accessibility is an ongoing process. We regularly review and test our platform to identify and address accessibility issues. Our efforts include:

• Periodic accessibility audits of new and existing features
• Testing with screen readers and keyboard-only navigation
• Incorporating accessibility considerations into our development process
• Staying current with evolving accessibility standards and best practices

Feedback and Assistance

If you encounter any accessibility barriers while using the MemDex platform, or if you need content provided in an alternative format, we want to hear from you. Please contact us at contact@thememdexap.com and include a description of the issue. We will make reasonable efforts to address your concern and provide the information or functionality you need.

Compatibility

The MemDex platform is designed to be compatible with the following assistive technologies:

• Screen readers (including NVDA, JAWS, and VoiceOver)
• Screen magnification software
• Speech recognition software
• Keyboard-only navigation

For the best experience, we recommend using the latest version of modern browsers such as Chrome, Firefox, Safari, or Edge.