Preamble. These Terms of Service (hereinafter the “Terms”) govern the use of the Ktkarena platform (hereinafter the “Platform”), accessible via the Ktkarena mobile application, as well as via the website ktkarena.com.
Ktkarena is published by Ktkarena SAS, a simplified joint-stock company (société par actions simplifiée) under Cameroonian law, registered with the Trade and Personal Property Credit Register of Douala under number [NUMERO_RCCM_À_COMPLÉTER], with its registered office located at Boulevard de la Liberté, Douala, Cameroon.
Use of the Platform implies full and unconditional acceptance of these Terms. Any User who does not wish to accept the Terms must refrain from using the Platform.
Changes of 2 October 2026 (version 1.4). The Preamble and Articles 2, 7.3, 7.6 and 14.1 have been amended. None of these changes restricts the User's rights. Effective immediately: these are not substantial changes within the meaning of Article 3.2.
- Preamble — wording correction: the description of the Platform no longer names operating systems (“iOS and Android”) and refers to the Ktkarena mobile application. No right is modified.
- Article 2 — the word “online”, which appeared in version 1.2, is restored: Ktkarena offers an online peer-to-peer challenge service between individuals.
- Article 7.3 — the stake ranges of the tiers are clarified: each tier includes its lower bound; its upper bound belongs to the next tier, except for the Institutional tier, which includes both of its bounds. A stake equal to a bound shared by two tiers, which until now appeared in both ranges, therefore falls within the higher tier, whose commission rate is the lower of the two (Article 8.4). The minimum and maximum stakes (1,000 and 20,000,000 KTK) are unchanged.
- Article 7.6 a) — each bound of the penalty scale now falls within the lower band, which carries the lower rate. A cancellation after exactly five (5) minutes incurs a 10% penalty (15% under the previous version); after exactly one (1) hour, a case the previous version did not settle, a 15% penalty. The rates (10 / 15 / 20%) are unchanged.
- Article 14.1 — a language clause is added: these Terms are published in French and in English and, in the event of a discrepancy between the French and English versions, the User may rely, in their relationship with Ktkarena, on whichever is more favorable to them.
The changes of versions 1.3, 1.2 and 1.1, set out below, remain applicable on the terms stated there.
Changes of 23 September 2026 (version 1.3). A change of terminology only; no right is modified. Throughout these Terms, including the change notices below, the vocabulary is harmonized, in particular: the defined term “Bet” becomes “Challenge”, the verb “to bet” becomes “to stake”, and “odds” become the “multiplier”; “Fixed-odds Events” become “Fixed-multiplier Events”; the “direct Bet” of Article 7.9 becomes the “public Challenge”. The substance of every definition and every rule is unchanged. Effective immediately: not a substantial change within the meaning of Article 3.2; it does not restrict any User right.
The changes of versions 1.2 and 1.1, set out below, remain applicable on the terms stated there.
Changes of 31 August 2026 (version 1.2). Articles 1 and 7 have been amended. In accordance with Article 3.2, substantial changes are notified to the User at least thirty (30) days before they take effect.
- Articles 7.9 and 1 — a new challenge context is opened: the Wall, on which a User publishes a public challenge (a “Klash”) that another User accepts in a single step, for an equal stake and at an equal multiplier. Definitions of “Wall” and “Klash” are added to Article 1. Substantial change: it takes effect once the thirty (30) day notice period, running from the notification sent to Users in the app and by email, has expired.
- Article 7.9, anonymity — a Klash may be published without any identifying information being shown to other Users. Substantial change: same thirty (30) day notice, even though the facility takes no right away from the User.
The version 1.1 changes, set out below, remain applicable on the terms stated there.
Changes of 8 August 2026 (version 1.1). Articles 1, 2, 7.2, 7.6 and 8.4 have been amended. In accordance with Article 3.2, changes that restrict the User's rights only take effect once a thirty (30) day notice period has expired.
- Articles 7.2 and 1 — the Event format goes from two outcomes to between two (2) and eight (8); the definition of “Challenge” follows. Effective immediately: this change broadens what is offered without restricting any User right.
- Articles 2 and 8.4 — the description of the commission base has been corrected: the commission applies to the Challenge's pot, not to winnings alone. The calculation actually applied by the Platform is unchanged since 18 June 2026; it was its description in these Terms that was inaccurate until today. The per-tier rates are unchanged (1.5% to 5%). Effective immediately.
- Article 7.6 b) — the irrevocability of committed Challenges on market-priced Events is a new restriction. It is not yet in force: it will take effect once the thirty (30) day notice period has expired, running from the notification sent to Users in the application and by email. As of 8 August 2026, no market-priced Event was offered.
- Article 7.6 a) — the penalty scale (10 / 15 / 20%) is unchanged. Only the clarification of “committed” (matched or entered into the Mutualized Pool) and the starting point of the period for a pooled Challenge have been added.
Article 1Definitions
For the purposes of these Terms, the terms below, when capitalized, have the following meaning:
Article 2Purpose
The purpose of these Terms is to define the conditions under which Ktkarena makes the Platform available to the User, as well as the rights and obligations of the parties.
Ktkarena offers an online peer-to-peer challenge service between individuals, in which Users commit stakes against one another, without Ktkarena acting as a counterparty.
Ktkarena acts as a technical intermediary facilitating the matching of Users and the safeguarding of their stakes. Ktkarena charges a commission on the pot of every settled Challenge, at the rate specified in Article 8.
Article 3Acceptance of the Terms
3.1 Express acceptance
Use of the Platform requires express acceptance of these Terms when creating the Account. This acceptance is recorded by means of a checkbox.
3.2 Amendments
Ktkarena reserves the right to amend these Terms at any time. Substantial changes will be notified to the User at least thirty (30) days before they take effect, by in-app notification and by email.
3.3 Refusal of amendments
If the User refuses the new Terms, the User has the right to terminate their Account free of charge and without penalty, and to recover their entire KTK balance under the conditions set out in Article 13.
Article 4Eligibility requirements
4.1 Age
Use of the Platform is strictly reserved for natural persons of legal age, i.e. at least eighteen (18) years old. Ktkarena reserves the right to request proof of age at any time.
4.2 Legal capacity
The User declares that they have full legal capacity to enter into contracts and to use the Platform.
4.3 Residence and jurisdiction
The Platform is intended for residents of the CEMAC-zone countries (Cameroon, Gabon, Republic of the Congo, Central African Republic, Chad, Equatorial Guinea) and of certain countries in West Africa and Europe. The exhaustive list of authorized countries is available on the Platform. Use from a non-authorized country may result in suspension of the Account.
4.4 Absolute prohibitions
The following are strictly prohibited from using the Platform:
- minors;
- persons subject to a self-exclusion measure or a court-ordered exclusion;
- persons residing in a non-authorized country;
- gambling-industry professionals acting in the course of their professional activity;
- persons whose account was terminated for cause within the preceding twelve (12) months.
Article 5Account creation and management
5.1 Creation
Creating an Account requires providing accurate, complete and up-to-date information: email address, password, username, country of residence, date of birth.
5.2 Identity verification (KYC)
Ktkarena reserves the right to request supporting identity documents at any time (official ID document, proof of address) in order to comply with its legal obligations regarding anti-money laundering and counter-terrorism financing. This verification is mandatory for withdrawals exceeding certain thresholds specified in Article 8.
5.3 Account security
The User is solely responsible for the confidentiality of their credentials. Any action performed from the Account is deemed to have been performed by the User. Ktkarena strongly recommends enabling two-factor authentication (2FA).
5.4 Single account
Each User may hold only one Account. The creation of multiple accounts by the same person results in the suspension of all the accounts concerned and the forfeiture of their balances.
5.5 Transfer
The Account is strictly personal and may not be assigned, lent, rented or transferred to a third party.
Article 6Use of the Platform
6.1 Personal, non-commercial use
Use of the Platform is reserved for personal, non-commercial purposes.
6.2 Prohibited uses
The following uses are strictly prohibited:
- the use of automated software (bots, scripts) without express authorization;
- bulk data collection from the Platform (scraping);
- any attempt to circumvent security measures;
- any attempt to exploit technical vulnerabilities;
- any manipulation of event results (in particular through collusion with another User);
- any attempt at money laundering or financing illegal activities.
6.3 Automatic suspension
Ktkarena reserves the right to automatically suspend, without notice, any Account exhibiting suspicious behavior, in particular via its fraud detection system (Fraud Detection) described in the technical documentation.
Article 7Peer-to-peer challenge system
7.1 Peer-to-peer challenge principle
On the Platform, the User does not commit their stake against Ktkarena but against another User who has taken the opposite position on the same Event.
7.2 Event format
Each Event has between two (2) and eight (8) mutually exclusive outcomes: only one outcome can occur. The number of outcomes, their labels and their order are shown on the Event before any stake is placed. Combined challenges are not offered.
7.3 Stake tiers
Challenges are segmented into five (5) stake tiers based on their amount:
| Tier | Stake range |
|---|---|
| Discovery | from 1,000 to less than 10,000 KTK |
| Standard | from 10,000 to less than 50,000 KTK |
| Premium | from 50,000 to less than 200,000 KTK |
| Elite | from 200,000 to less than 1,000,000 KTK |
| Institutional | from 1,000,000 to 20,000,000 KTK |
Each tier includes its lower bound; its upper bound belongs to the next tier, except for the Institutional tier, which includes both of its bounds. A stake equal to a bound shared by two tiers therefore falls within the higher tier.
Challenges below 1,000 KTK or above 20,000,000 KTK are not permitted.
7.4 Matching cascade
When the User starts a Challenge, the matching algorithm performs the following operations:
- search for an opponent within the same stake tier and on the same Event;
- if unsuccessful within a defined timeframe, broadening of the search to neighboring tiers;
- if still unsuccessful, transfer of the Challenge to the Mutualized Pool;
- as a last resort, placement of the Challenge in a FIFO queue until expiry or automatic refund.
7.5 Mutualized Pool
The Mutualized Pool allows a User to obtain a counterparty even in the absence of a direct opponent, by pooling their stake with those of other Users. Pool multipliers emerge dynamically from the distribution of stakes. The commission applicable to the Mutualized Pool is increased by 1% compared to the tier commission.
7.6 Cancellation
Cancellation rules depend on the Event's pricing mode, which is shown on the Event before any stake is placed.
In all cases, a Challenge that is not yet committed (neither matched nor entered into the Mutualized Pool) may be cancelled at any time, with a full refund and no penalty.
a) Fixed-multiplier Events. A committed Challenge may be cancelled subject to a penalty, based on the time elapsed since commitment:
- up to and including five (5) minutes: 10% penalty;
- more than five (5) minutes and up to and including one (1) hour: 15% penalty;
- more than one (1) hour: 20% penalty.
For a Challenge entered into the Mutualized Pool, this period runs from when the Challenge was started.
b) Market-priced Events. A committed Challenge is irrevocable and can no longer be cancelled. This provision is not yet in force: see the version 1.1 change notice at the top of these Terms.
Before any cancellation request, the Platform tells the User whether the Challenge can be cancelled and, if so, the exact amount of the applicable penalty.
The penalty is permanently lost by the User and does not constitute revenue for Ktkarena (the amount is burned).
7.7 Event resolution
An Event is resolved in one of three ways:
- AUTO: automatic resolution if the external source's confidence is ≥ 95%;
- SEMI-AUTO: automatic suggestion validated by an administrator (default mode);
- MANUAL: fully manual resolution for Events that are sensitive or cannot be verified automatically.
All resolutions are recorded in a timestamped, reviewable technical log.
7.8 Disputes
The User has forty-eight (48) hours from the resolution of an Event to dispute it. The dispute is filed from the application via the dedicated form, and must be accompanied by evidence. The dispute is reviewed by an administrator other than the one who initially resolved the Event.
7.9 Public challenges (the Wall)
A User may publish a public Challenge, called a “Klash”, on the Wall. The corresponding stake is locked on the Account as soon as it is published and remains locked until the Klash is accepted, withdrawn or expires.
A Klash is matched in a single step, with one accepting User, for an identical stake and at an equal multiplier (2.0). The Cascade and the Mutualized Pool described in Articles 7.4 and 7.5 do not apply to Klashes.
The Wall is a self-contained challenge context: a Klash is never matched with a Challenge started in another challenge context, and it does not enter into the calculation of the Event's multipliers.
A User may publish a Klash anonymously. In that case, no information allowing them to be identified is shown to other Users: no username, no profile photo, no level, no win rate. Anonymity is enforceable against other Users only; it does not affect Ktkarena's legal obligations, nor the moderation measures set out in Article 10.
Unless this article provides otherwise, a Klash follows the ordinary regime for Challenges: commission (Article 8.4), cancellation (Article 7.6), resolution and crediting of the winner (Article 7.7) and disputes (Article 7.8) apply to it with no special provision.
Article 8Financial system
8.1 Internal currency
The Platform's internal currency is the KTK. KTK is neither a cryptocurrency nor legal tender. Its value is set by Ktkarena. All internal operations (challenges, winnings, losses) are denominated in KTK.
8.2 Deposit methods
The User can fund their KTK balance via:
| Method | Processing time | Fees |
|---|---|---|
| Mobile Money | Instant | 0% |
| Bank card | Instant | 1.5% |
| Stablecoin USDC | 2 to 5 min | 0.5% |
8.3 Withdrawal methods
Withdrawals are made using the same methods as deposits. Processing times vary by method and may take up to 72 business hours for withdrawals above certain thresholds, due to security checks.
8.4 Ktkarena's commission
Ktkarena charges a commission on the pot of every settled Challenge, that is on the sum of the matched stakes. It is borne by the winning User, who receives the pot less the commission; the losing User loses their stake, with no further deduction. The rate varies by stake tier:
| Tier | Commission |
|---|---|
| Discovery | 5% |
| Standard | 4% |
| Premium | 3% |
| Elite | 2% |
| Institutional | 1.5% |
For challenges resolved via the Mutualized Pool, the commission is increased by 1%.
8.5 Escrow
When a Challenge is matched, the User's stake is locked in escrow until the Event is resolved. During the escrow period, neither Ktkarena nor the User may dispose of the stake. The escrow is released automatically upon resolution.
8.6 Stake and deposit limits
To support responsible gaming, the User can configure in their settings:
- a maximum stake limit per challenge;
- a daily loss limit;
- weekly and monthly deposit limits;
- a session duration limit.
Once set, these limits can only be increased after a 7-day waiting period.
8.7 Self-exclusion
The User may activate at any time a temporary (24 hours, 7 days, 30 days) or permanent self-exclusion. During self-exclusion, the User can neither stake nor deposit funds. Any lifting of self-exclusion is subject to a mandatory waiting period.
Article 9Prediction mode
9.1 Free of charge
Prediction Mode is a free feature offered by Ktkarena. No KTK stake is required to participate.
9.2 Sealed off from the financial system
Prediction Mode is hermetically separated from the financial system. No prediction can be converted into a real challenge, and no KTK winnings can be obtained through predictions.
9.3 Rewards
The only rewards in Prediction Mode are:
- ranking points (the “Devin score”);
- progressive tiers (the “Devin tiers”, seventeen in total);
- historical badges;
- experience points (XP) integrated into the gamification system.
9.4 Score calculation
The Devin score is calculated using a composite formula incorporating the accuracy (50%), volume (30%) and consistency (20%) of the User's predictions. This formula may be adjusted by Ktkarena at any time, within the limits of leaderboard fairness.
Article 10Conduct and moderation
10.1 Rules of conduct
The User agrees to comply with the following rules of conduct in all their interactions on the Platform (match chats, private leagues, social feed, private messages):
- no insults, harassment or discrimination;
- no pornographic, violent or shocking content;
- no incitement to hatred or violence;
- no spam, unauthorized advertising or malicious links;
- no disclosure of other people's personal information;
- no attempts to scam or extort other Users.
10.2 Progressive sanctions
Violations of the rules of conduct result in progressive sanctions:
- written warning;
- temporary suspension of social features;
- temporary suspension of the Account;
- permanent termination of the Account with forfeiture of the balance in accordance with Article 13.
10.3 Moderation
Ktkarena reserves the right to moderate any content published on the Platform, either after the fact upon report, or beforehand by automated algorithm.
Article 11Intellectual property
11.1 Ktkarena's rights
All elements making up the Platform (interface, logos, trademarks, texts, photographs, illustrations, source code, design, the “Acid Lime” logo, the Devin tier system, proprietary algorithms) are the exclusive property of Ktkarena or its licensors.
11.2 License to use
Ktkarena grants the User, for the duration of their use of the Platform, a personal, non-exclusive, non-transferable, revocable license to access and use the Platform, strictly limited to the purposes set out in these Terms.
11.3 User content
The User retains intellectual property rights over the content they publish on the Platform (comments, feed posts, chat messages). By publishing it, the User grants Ktkarena a worldwide, non-exclusive, royalty-free license, for the legal term of the rights, allowing Ktkarena to host, reproduce, adapt, moderate and display this content as part of the operation of the Platform.
Article 12Ktkarena's liability
12.1 Best-efforts obligation
Ktkarena is bound by a best-efforts obligation in providing the Platform. Ktkarena undertakes to deploy reasonable technical and human resources to ensure the proper functioning and security of the Platform.
12.2 Availability
Ktkarena does not guarantee uninterrupted availability of the Platform. Interruptions may occur for maintenance, technical upgrades, or in cases of force majeure. Ktkarena undertakes to inform Users of major incidents via the system status page.
12.3 Limitations of liability
Ktkarena cannot be held liable for:
- financial losses resulting from the User's choices in their Challenges;
- the conduct of other Users;
- malfunctions of third-party providers (Mobile Money, banks, cloud providers), except where Ktkarena breaches its own contractual obligations;
- events of force majeure within the meaning of Article 1218 of the French Civil Code, applied by analogy.
12.4 Liability cap
In any event, Ktkarena's total liability towards a User is capped at the amount of commissions received by Ktkarena from that User during the twelve (12) months preceding the event giving rise to the claim.
Article 13Suspension, termination and consequences
13.1 Termination by the User
The User may terminate their Account at any time from their settings, with no reason required. Ongoing Challenges will be either settled or refunded depending on their status at the time of termination. The remaining KTK balance will be withdrawn under the usual conditions.
13.2 Suspension by Ktkarena
Ktkarena may temporarily suspend an Account in the event of:
- reasonable suspicion of fraud;
- an ongoing identity verification procedure;
- an alleged violation of these Terms;
- an administrative or court decision requiring it.
13.3 Termination by Ktkarena
Ktkarena may permanently terminate an Account in the event of:
- a serious or repeated violation of these Terms;
- proven fraud;
- conduct seriously harming the community;
- use for illegal purposes.
13.4 Consequences of termination for cause
In the event of termination for cause:
- the KTK balance is forfeited;
- ongoing potential winnings are canceled;
- the User may be permanently banned from creating a new Account;
- Ktkarena may forward the case file to the competent authorities.
Article 14General provisions
14.1 Governing law and language
These Terms are governed by Cameroonian law.
These Terms are published in French and in English. In the event of a discrepancy between the French and English versions, the User may rely, in their relationship with Ktkarena, on whichever is more favorable to them.
14.2 Dispute resolution
Any dispute relating to the interpretation or performance of these Terms shall, failing a prior amicable agreement, be subject to the exclusive jurisdiction of the courts of Douala, Cameroon.
14.3 Mediation
Before initiating any legal action, the User agrees to contact Ktkarena at legal@ktkarena.com in order to seek an amicable solution. Failing agreement within thirty (30) days, legal proceedings may be initiated.
14.4 Severability
If any provision of these Terms is declared void, unlawful or unenforceable, such invalidity shall not affect the validity of the remaining provisions.
14.5 Entire agreement
These Terms constitute the entire agreement between the User and Ktkarena regarding the use of the Platform. They cancel and replace any prior agreement.
14.6 Contact
For any questions regarding these Terms, contact legal@ktkarena.com.