Rewards & Referrals

Fee-Free Conversion: How Picnic's Promotion Works

What is the promotion? Picnic is offering fee-free conversion from Brazilian reais to digital dollars (stablecoins). This means that when you buy dollars through the app, you only pay the market price — no spread, no IOF (Brazilian tax on financial operations), no additional fees, and no hidden costs. How to take advantage The promotion is automatically applied for some users. To check if you're eligible, just go to the Benefits section in the app. To take advantage, simply purchase digital dollars via Pix (a Brazilian instant payment system) through the Picnic app. There's no need to activate a coupon, register additionally, or follow any extra steps. Important: Only purchases via Pix are eligible for the promotion. What exchange rate will I pay? Picnic always seeks the best available market price: - Business hours (9 AM to 5 PM, weekdays): the rate is the commercial dollar — the same price you see when you search "dollar" on Google. - Outside business hours: we use the crypto market rate (BRL/USDT pair), which is considered the most competitive available outside banking hours. In both cases, the conversion fee is zero. No spread, no IOF, no additional costs. Is there a value limit? Yes. Each user can make purchases up to: - US$ 10,000.00 per month - US$ 10,000.00 per transaction The Terms and Conditions of the promotion apply in full. Abusive uses — such as currency arbitrage or crypto withdrawal of purchased dollars — may result in suspension or revocation of the benefit. Who can participate? All Picnic users with an active account. Just follow the rules in the Terms and Conditions. How long does it last? The promotion is for a limited time, while the program's resources last. Can I lose the benefit? Yes. Picnic monitors the use of the promotion and may deactivate the benefit if it identifies violations of the Terms and Conditions. Examples of violations include: - Crypto withdrawal of digital dollars purchased in the promotion - Use for currency arbitrage purposes - Any use that constitutes abuse or exploitation of the promotion If your benefit is deactivated, contact support for more information. Where does the subsidy come from? Picnic partners with Gnosis, one of the largest organizations in the blockchain ecosystem. Gnosis supports platforms using its infrastructure monthly. These resources are fully redirected to subsidize the conversion fee, allowing Picnic to offer the cheapest digital dollar in Brazil. This is a special and temporary promotion — not a permanent change in the business model. How to track my savings? In the Benefits section of the app, you can see the total amount you've saved with the promotion. If you want, you can even share it on social media. By participating in the Promotion, you accept the Terms and Conditions. For more information about the Promotion, consult them.  If you have any questions, contact our support through the app.

"Fee-Free Conversion" Promotion — Terms and Conditions

Last updated: March 4, 2026 With the Fee-Free Conversion promotion, you buy digital dollars on Picnic via Pix with zero conversion fees — just the market price, no spread. You can also win up to R$1,000 by showing that Picnic offers the best price. These Terms and Conditions explain how the promotion works, who can participate, and how to receive the rewards. 1. General Information 1.1. The "Fee-Free Conversion" campaign ("Campaign") is a global promotional initiative offered by DeFiBasket Labs Inc. ("Company"), operator of the Picnic platform. The Company is incorporated under the laws of the British Virgin Islands. The Campaign's objective is to subsidize BRL to USDC conversion fees for users. 1.2. The Campaign begins on March 5, 2026, and may be terminated at any time at the sole discretion of the Company. 1.3. By participating in the Campaign, the Participant declares that they have read and fully agreed to these Terms and Conditions. 1.4. This Campaign is a voluntary commercial performance-based reward program, with no element of chance or sweepstakes. The Level 1 reward is granted based on objective and verifiable criteria (proven superior VET). The Level 2 reward is granted based on the chronological order of valid submission. 1.5. The Company may modify, suspend, or terminate the Campaign at any time, without prior notice, without creating any vested rights for Participants. 1.6. Each user may make purchases of up to US$10,000.00 per transaction, subject to an aggregate cap of US$10,000.00 per month, under the terms of the Campaign. 2. Eligibility 2.1. Individuals who meet the following criteria may participate in the Campaign: - a) Hold an active account on the Picnic platform; - b) Have completed the identity verification process (KYC); - c) Have no restrictions or pending issues on their account; - d) Are in compliance with Picnic's general Terms of Use; - e) For the R$25.00 reward: have made at least one purchase of digital dollars via Pix within the last 30 days, or make one during the term of the Campaign; - f) For the R$1,000.00 reward: effectively execute the comparative transaction on Picnic, as per clause 7.4. 2.2. The Company may deny participation to any user who does not comply with the requirements above. 2.3. Data collected for eligibility purposes is treated in accordance with the Company's Privacy Policy, strictly for legal compliance and fraud prevention. 3. How the Promotion Works 3.1. The Promotion exempts conversion fees over the market reference price selected by the Company. The Company uses widely accepted market data providers (oracles), but the binding final price is exclusively the one displayed on the app's confirmation screen. 3.2. The assets acquired in the Promotion are digital dollars (stablecoins pegged to the US Dollar), not fiat dollars. 3.3. The Promotion applies exclusively to digital dollar purchases made via Pix. No other payment method is included. 3.4. The exemption is applied automatically. No activation, additional registration, or promotional code is required. 3.5. The Company may set daily or monthly operational limits per user, as well as a global subsidy cap. If the global monthly limit is reached, the Promotion may be suspended, regardless of prior notice. 4. Quotation and Price 4.1. The quotation used in the conversion follows these criteria: - Business hours (9:00 AM to 5:00 PM, Brasília time, business days): based on the commercial dollar (spot price of the foreign exchange market), provided by the partner Pods Finance; - Outside business hours: based on the crypto market price (BRL/USDT pair), reflecting the best price available outside banking hours. 4.2. The price of digital assets may fluctuate between the request and the execution of the transaction. The fee exemption (Zero Spread) applies to the Company's margin and does not cover market variations. The binding final price is exclusively the one recorded on the transaction receipt after execution. 5. Restrictions and Permitted Use 5.1. The Promotion is intended exclusively for the use of digital dollars converted within the Picnic platform ecosystem, including: - a) Spending on international purchases with the Picnic card; - b) Saving and investing in digital dollars within the platform. 5.2. The following uses of digital dollars converted under the Promotion are expressly prohibited: - a) Withdrawal or transfer to external wallets (outside the Picnic ecosystem); - b) Currency or financial arbitrage of any nature; - c) Immediate reverse conversion (purchase of digital dollars followed by sale in a short period for profit-seeking purposes); - d) Use through third-party or fraudulent accounts; - e) Any activity that constitutes abuse of the Promotion or deviation from its purpose. 5.3. The Company may, at its sole discretion, analyze the Participant's usage pattern to verify compliance with this Section. 5.4. The Promotion aims at the genuine use of the platform for consumption and store of value. If a "looping" pattern is identified (e.g., purchase via Pix, conversion, and attempt to exit through transverse means to monetize the zero spread), the Company may reverse the operations or suspend the Participant's account for violation of good faith. 6. Loss of Benefit 6.1. The Company may revoke access to the Promotion at any time and without prior notice if it identifies: - a) Violation of any clause of these Terms and Conditions; - b) Behavior that constitutes abuse or exploitation of the Promotion; - c) Activity suspicious of fraud, money laundering, or terrorist financing; - d) Use incompatible with the purposes described in Section 5. 6.2. Revocation of the benefit does not affect conversions already performed but prevents the Participant from using the Promotion in future transactions. 6.3. In the event of revocation, the Participant is notified via the app and may contact support for clarification. Rewards The Campaign has two independent reward levels. 7. Level 1 — R$1,000.00 Prize 7. The R$1,000.00 Prize is awarded to the first and only participant who proves that a competing institution offers a VET (Total Effective Value) for BRL to digital dollar conversion more than 0.25% lower than Picnic's VET. The comparison must strictly consider the capital inflow via Pix and be made on the same day and time, with a maximum difference of 5 minutes between captures. The 0.25% margin accounts for normal market micro-volatility and ensures that the comparison reflects a genuine and structural price difference. 7.1. There is only one R$1,000.00 Prize available for the entire duration of the Campaign. 7.2. The Prize is paid in USDC in the amount equivalent to R$1,000.00, calculated by the exchange rate at the time of reward processing. 7.3. For the purposes of this Campaign, Picnic's VET is the value displayed on the Picnic app transaction confirmation screen for a purchase of digital dollars via Pix for the amount chosen by the user, subject to a minimum value of R$50.00 (fifty reais). 7.3.1. The comparison must reflect the total cost to transform a Real balance available in a bank account into digital dollars on the destination platform. Therefore, the competing institution's VET must include, in addition to the exchange spread, any deposit fees, processing fees, or charges necessary to complete the purchase. 7.3.2. The participant must include in the submission a simultaneous screenshot of the confirmation screen of the comparative app/site with the same value, obtained on the same day/time, within a difference of less than 5 minutes from the Picnic capture. 7.4. How the Company determines valid submission order (Level 1): - The native timestamp of the post on the social media platform is the reference to determine the order of submission; - In case of simultaneous posts, the tie-breaking criterion is the time the quotation was performed on the Picnic platform; - The Company's determination is final and binding; - To receive the one-thousand-reais prize, the user must effectively execute the comparative transaction on Picnic. Simply taking a screenshot of the quote without converting the value to their Picnic account is insufficient. 7.5. VET calculation: the VET (Total Effective Value) represents the real total cost of the end-to-end operation, from the exit of funds from the user's bank account to the receipt of digital dollars on the platform. It is calculated as follows: VET = (Total amount disbursed in BRL via Pix) ÷ (Total USD received in destination account) In other words: the VET is the final cost in BRL for each 1 USD that effectively reaches the user's account. It must include all deposit fees (Pix deposit fees), exchange spreads, network fees, commissions, and any other charges levied by the institution. A lower VET is always better for the buyer. - Example: if you transfer R$600.00 from your bank and, after all deposit and conversion fees, you receive a net of USD 100.00, your VET = R$6.00/USD. - Minimum value: for comparability and statistical precision, submissions must consider a minimum transaction value of R$50.00. - Comparison parity: participants must use the exact same input value in Reais (BRL) on both platforms to ensure a fair comparison. - Screen validity: the VET must reflect the final value the user would effectively receive, already deducting all entry and conversion costs, as displayed on the final transaction confirmation screen (the stage immediately prior to execution). "Order book" quotes (spot price), marketing banners, or estimation calculators that do not consider Pix deposit fees will not be accepted. 7.6. Eligible competing institutions. For a comparison to be valid, the competing institution must meet all of the following criteria: - a) Be a publicly available and fully operational institution or platform — meaning any person can download the app or access the site, open an account, complete standard onboarding, and transact without an invitation, referral, special access, or institutional/corporate relationship; - b) Display the standard retail rate available to any common user at the time of the screenshot. Rates exclusive to VIP clients, premium accounts, private banking, institutional clients, corporate accounts, or users with special negotiated conditions are not eligible; - c) Be in full operation and normal operational status at the time of the screenshot. Rates resulting from system errors, technical bugs, display glitches, or any platform malfunction do not qualify; - d) The rate must not result from a limited-time promotion, coupon, discount code, cashback, referral bonus, welcome offer, or any other temporary incentive specific to the competing platform. Only the standard rate always available to any user is eligible; - e) The comparison must be for the same currency pair (BRL to USD or USD-equivalent stablecoin). 7.7. Submission requirements — valid comparison. To qualify at any level, the submission must contain: - a) A single screenshot, or a clearly composed side-by-side image, showing simultaneously the Picnic rate and the competing institution's rate, with the system clock timestamp visible on both screens; - b) A timestamp on both screens within a maximum of 5 minutes difference. Captures with a difference greater than 5 minutes are automatically disqualified; - c) Clear display of: the name of the platform or institution, the exchange rate or final total cost to the user, and the time of capture (device clock visible); - d) No signs of cropping, editing, overlaying, or digital alteration of any nature; - e) Prices collected no more than 24 (twenty-four) hours prior to publication, with date and time visible in the screenshot; - f) No content that ridicules or offends competing brands, products, or services. The comparison must be strictly objective and data-based; - g) The participant is solely responsible for the veracity, accuracy, and legality of the published content, indemnifying Picnic from any liability arising from incorrect, outdated, or inadequate comparisons; - h) Picnic may decline to validate submissions that, at its sole discretion, contain inaccurate, misleading, or derogatory comparisons, or that may expose Picnic or third parties to legal risks. 7.8. How to submit: - Publish the qualified image publicly on Twitter/X or Instagram, in your feed or stories; - Tag @usepicnicbr or @usepicnic; - The timestamp recorded by the social media platform is the official time of participation. The 5-minute window applies to the timestamps visible in the screenshots (device clock), not the time of publication on the social network. Ensure the device clock is synchronized with the official time; - For account validation and reward processing, after publishing the qualified post, send a private Direct Message (DM) to the official @usepicnicbr profile on X or Instagram containing: (i) the direct link to the public post; and (ii) your picnic.name registered in the Picnic account. 8. Level 2 — R$25.00 Reward 8. Reward of R$25.00, equivalent to R$25.00 in USDC. 8.1. The first 100 (one hundred) valid submissions on Twitter/X and Instagram that present a valid side-by-side comparison (as per these Terms) will each receive the equivalent of R$25.00 in USDC. 8.2. The R$25.00 reward is limited to one submission per user across all social networks combined. 8.3. The R$25.00 reward does not require the Participant to beat Picnic's VET by any margin. A valid and legitimate comparison, as described, is sufficient. 8.4. To be eligible for the R$25.00 reward, the user must have at least 200 followers on Instagram or X, and the profile must be public. 8.5. The Level 2 reward is available for the first 100 (one hundred) valid submissions in total, regardless of the platform. Upon reaching 100 valid submissions, Level 2 is automatically closed and announced on official channels. 8.6. The submission must contain prices collected no more than 24 (twenty-four) hours prior to publication, with date and time visible in the screenshot. In addition: - a) No content that ridicules or offends competing brands, products, or services. The comparison must be strictly objective and data-based; - b) The participant is solely responsible for the veracity, accuracy, and legality of the published content, indemnifying Picnic from any liability arising from incorrect, outdated, or inadequate comparisons; - c) Picnic may decline to validate submissions that, at its sole discretion, contain inaccurate, misleading, or derogatory comparisons, or that may expose Picnic or third parties to legal risks. 8.7. How to submit: - Publish the qualified image publicly on Twitter/X or Instagram, in your feed or stories; - Tag @usepicnicbr or @usepicnic; - The timestamp recorded by the social media platform is the official time of participation. The 5-minute window applies to the timestamps visible in the screenshots (device clock), not the time of publication on the social network. Ensure the device clock is synchronized with the official time; - For account validation and reward processing, after publishing the qualified post, send a private DM to the official @usepicnicbr profile on X or Instagram containing: (i) the direct link to the public post; and (ii) your picnic.name registered in the Picnic account. 8.8. Creating multiple Picnic accounts, fake social media profiles, or any other mechanism to artificially increase the number of submissions is strictly prohibited. Picnic may disqualify, at its sole discretion, any submission it reasonably suspects to be fraudulent, automated, or made in bad faith, including all submissions linked to the same individual, device, IP address, or household. 8.9. Rewards are paid in USDC based on the exchange rate at the time of reward processing. Picnic is not responsible for exchange rate variations occurring before or after that time. The participant acknowledges that cryptocurrency values may vary and waives any claims arising from such variation. 8.10. Submissions are ranked and validated strictly by the date and time they are received and confirmed by Picnic's internal system, which constitutes the sole official record for determining the first 100 (one hundred) valid submissions. In case of dispute, Picnic's records prevail. 8.11. Participation in the rewards program is restricted to individuals who are at least 18 (eighteen) years old at the time of submission. Submissions made by or on behalf of minors are automatically disqualified and no reward is granted. 8.12. Participants are solely responsible for ensuring their submissions comply with the terms of use of Twitter/X and Instagram. Picnic is not responsible for any content removal, account suspension, or penalty imposed by those platforms on the participant. 8.13. To the maximum extent permitted by applicable law, Picnic's total liability to any participant under this campaign is strictly limited to the amount of the reward applicable to that participant's valid submission. Picnic is not liable for any indirect, incidental, or consequential damages arising from participation or the inability to participate. 8.14. All decisions regarding the validity of submissions, eligibility, and interpretation of the campaign are the exclusive competence of Picnic and are final and binding. By making a submission, the participant fully agrees to these terms. 9. Anti-Fraud and Integrity Rules 9.1. The following actions result in immediate disqualification and may result in permanent account suspension: - a) Submission of manipulated, edited, or digitally altered screenshots; - b) Use of timestamp manipulation software, developer tools, or any feature that falsifies the time or the displayed rate; - c) Rates resulting from system bugs, technical errors, display failures, or any malfunction of the competing platform; - d) Rates from platforms not publicly accessible to all individuals (VIP, institutional, corporate, or by invitation); - e) Rates obtained through promotional campaigns, discount codes, welcome bonuses, referral programs, or any temporary non-standard offer from the competing platform; - f) Multiple submissions from the same user on different accounts; - g) Coordinated or artificial submissions aimed at manipulating the order of participation or the outcome of the competition; - h) Any submission that misrepresents fees, spreads, or total transaction costs. 9.2. The Company may request additional evidence to validate any submission, including transaction receipts, account screenshots, or real-time rate confirmations. Failure to present the requested evidence within 48 hours results in disqualification. 9.3. The Company's fraud review decision is final. No disputes regarding disqualified submissions are accepted. 9.4. Any attempt at fraud in the Campaign may be reported to the competent authorities. 10. Prize Payment 10.1. All prizes are paid exclusively in USDC to the Picnic wallet linked to the Participant's verified account. 10.2. The USDC equivalent is calculated by the prevailing market rate at the time of payment processing. 10.3. Validated rewards are processed within 10 business days after confirmation of validation. 10.4. Participants are solely responsible for any taxes on the prizes received, according to the laws of their jurisdiction. Picnic recommends consulting an accountant regarding tax obligations and does not perform withholding at source on the prizes distributed in this Campaign. 10.5. No prize alternative, fiat cash equivalent, or transfer of prize to third parties is permitted. 11. Limitations and Disclaimers 11.1. The Company does not guarantee that its value will always be the lowest available in the market. The Campaign is a genuine challenge, subject to the 0.25% safety margin defined above. 11.2. The Company is not responsible for: - a) Technical failures on social media platforms that prevent or delay submissions; - b) Fluctuations in the price of the dollar or exchange-rate variations between the time of inquiry, submission, validation, or after conversion; - c) Losses arising from participation or non-participation in the Campaign; - d) Delays caused by third-party payment processors; - e) Temporary unavailability of the service due to technical reasons or force majeure; - f) Any costs charged by intermediary institutions outside the Company's control. 11.3. The Company's total liability regarding the Promotion is limited to the amount of the spread that would normally be charged on the transaction. 11.4. Participants are solely responsible for declaring and paying any taxes, fees, or contributions due on the rewards received, in compliance with applicable tax legislation. Picnic assumes no tax obligation on behalf of participants. 12. Term and Termination 12.1. The Campaign begins on March 5, 2026, with an indefinite term, subject to termination at the sole discretion of the Company. 12.2. The Campaign is automatically terminated for Level 1 after the Grand Prize is awarded. Level 2 remains open until the limit of 100 submissions is reached. 12.3. The Company may terminate the Campaign at any time, including before the R$1,000.00 Prize is awarded, without obligation of compensation to any Participant. 13. Modifications 13.1. The Company may change these Terms and Conditions at any time, publishing the updated version on the Picnic platform and official social media channels. 13.2. Continued participation after any modification constitutes acceptance of the updated terms. 14. General Provisions 14.1. Picnic may, at any time and without prior notice, modify, suspend, or terminate the Campaign, as well as change the eligibility criteria or the value of rewards, generating no vested right for the Participant. 14.2. These Terms and Conditions are governed by the laws of the British Virgin Islands. 14.3. Any doubts or controversies should first be directed to Picnic support. 14.4. This Campaign is a global initiative and is not restricted to any specific jurisdiction or country. 14.5. By participating in the Campaign, the Participant declares that they are aware of and agree to all the terms above. DeFiBasket Labs Inc. Still have questions? Need help? Reach out via the support chat inside the Picnic app — we reply fast. 💜 🇧🇷 Leia estes Termos em português

How to Refer Friends and Earn Bonuses on the Card

How it works The Referral Program is a two-sided benefit: both the person who refers and the person who is referred earn a $10 bonus in their Picnic balance. - The referrer shares their unique personal link or code. - The referred friend signs up using that link/code and starts using the card. Once the referred friend meets the requirements, both of them receive $10 each in their Picnic balance. In other words: whoever receives the referral link and opens their account through it also earns $10 — it is not only the person who refers. Summary flow: - You share your personal referral link; - Your friend registers using your link/code; - They add funds and make transactions with the card; - Once all requirements are completed, the $10 bonus is automatically credited to both — the referrer and the referred friend. Who receives the bonus - The referrer: receives $10 when the referred friend completes all the requirements. - The referred friend: whoever received the referral link or code and signed up through it also receives $10 upon completing the same requirements. You are not left out for being the invited one — the benefit applies to both sides. - More active and long-term Picnic card users have priority to receive this benefit and to generate new links. Requirements to release the bonus (applies to both sides) 1. The referred friend must register with the personal referral link or code; 2. After registration, they must add funds to the Picnic account; 3. They need to spend at least $50 with the card within 30 days of activation. - Note: Only after these three steps will the referral be considered valid and the $10 bonus released for both the referrer and the referred friend. Step-by-step to refer 1. Open the Picnic app and go to the Referrals section; 2. Copy your personal invitation link or code; 3. Send the link/code to your friends through your preferred channel; 4. Ask them to sign up using your link and start using the card; 5. Track the status of referrals directly in the Picnic app. Step-by-step for the referred friend 1. Open your account using the referral link or code you received; 2. Add funds to your Picnic account; 3. Spend at least $50 with the card within the first 30 days after activation; 4. Once you meet the requirements, your $10 bonus is automatically credited to your Picnic balance. When the bonus is credited - As soon as the referred friend completes all validation steps, the referral will be marked as completed; - The $10 bonus will be credited to the Picnic balance — for both the referrer and the referred friend — within 5 business days after confirmation; - The bonus amount will automatically appear in the card balance. Important notes - The referral link is personal and non-transferable (it uniquely identifies that the invitation was made by you). - New links may be released with continuous and genuine use of the card. - The bonus may take a few business days to be credited after validation. Please wait before contacting support. - Referrals made outside of your personal link will not be considered. - The bonus amount and conditions may vary according to the referral campaign in effect at the time of sign-up. Need help? - If you have questions about the Referral Program, contact our support: oi@usepicnic.com

What is OG NFT?

The OG NFT is a digital collectible that gives an extra 1% cashback. With it, eligible users can reach the maximum cap of 5% cashback. To receive this exclusive bonus, users need to spend US$ 100 in the first 30 days after card activation or US$ 200 within a 30-day period (regardless of when the card was activated). The NFT is lifetime and non-transferable. The more GNO you have, the higher the cashback. Zero GNO = zero cashback (you need at least 0.1 to start receiving cashback) 0.1 GNO = 1% cashback --- 2% with OG NFT 1 GNO = 2% cashback --- 3% with OG NFT 10 GNO = 3% cashback --- 4% with OG NFT 100 GNO = 4% cashback --- 5% with OG NFT To purchase, use the Picnic app: 1 Load balance on the card 2 Go to Cashback and Increase cashback 3 Click on Buy GNO and choose the amount (minimum 0.1 GNO). * This information is about the cashback program existing until January 31, 2026.

Why do I need to have a GNO balance on the card?

The cashback is directly linked to your GNO balance. What this means - If you sell or transfer your GNO out of the wallet, the cashback percentage may be reduced. - The system calculates your balance weekly and adjusts the cashback accordingly. What you can do - To maintain or increase your cashback rate, ensure there is always enough GNO in your Picnic wallet. * This information pertains to the cashback program existing until January 31, 2026.

How to Buy the Cashback Digital Currency

Learn how to buy GNO on Picnic to activate/maintain cashback. Step by Step 1. Go to Cashback. 2. Tap on Activate/Increase your Cashback and select Buy GNO. 3. Enter the desired amount and proceed (payment is made with the card balance). 4. Review the details and confirm the purchase. Quick Tips - No balance? – Deposit to increase the card's $USD balance. - Operation failed? - Try again a few minutes later. - Planning a big purchase and want cashback on it? - Have GNO balance one week before the purchase (cashback is calculated weekly based on the previous week's GNO balance - from Sunday to Saturday). Problems Buying? Check “GNO Purchase Failed” for troubleshooting steps and solutions. * This information is about the cashback program available until January 31, 2026.

Check Your Cashback Balance

See where to check your GNO balance (the digital currency for cashback) and how it relates to your Picnic Card ($USD) balances. What is the GNO balance on Picnic? - On Picnic, GNO is primarily used to activate, maintain, and increase cashback. Where to see my GNO balance - In the menu at the bottom of the screen, click on Cashback - This will open the page showing your cashback percentage, the amount of GNO you have, and how much you've earned in total. Common Questions - “I deposited money and my GNO balance didn’t increase.” Deposits increase your $USD balance. The GNO balance only increases when you purchase GNO. - “Where can I see the cashback for each week?” Click on Cashback, scroll to view the Cashback History * This information is about the cashback program existing until January 31, 2026. What is GNO and its relation to cashback General cashback rules for the Picnic card

Error When Buying Cashback Currency

This article helps you understand why a purchase of GNO (cashback currency) might fail and what to do to resolve it. Before You Start - Deposits: The money you send to the card automatically goes into the digital dollar balance ($USD). You need to use this balance to buy GNO to activate or increase cashback. - GNO in the Multicurrency wallet does not count for cashback. Common Reasons for Failure 1. Balance in the Wrong Place – Attempting to buy GNO in the app without a balance on the card ($USD) 2. Insufficient Balance – The purchase amount + fees (if any) exceeds your available balance. 3. Network/Temporary Instability – Demand spikes can delay or cancel orders. 4. Outdated App Version – Older versions may have errors during the purchase. How to Resolve 1. Confirm Where You Are Buying GNO – To activate cashback: the purchase uses card balance ($USD). 2. Check Your Correct Balance – Open Picnic Card and check the available $USD balance. 3. Try Again Later – Go to Cashback → Activate/Increase → Buy GNO. 4. Update the App – Download the latest version and repeat the operation. 5. Wait – In case of network instability, wait a few minutes and check the transaction history. Still Not Working? Contact support through the app or browser and send: - Date and time of the attempt. - Amount and screenshots of the error (if any) and the available balance. * This information is about the cashback program existing until January 31, 2026. Check the cashback balance General cashback rules for the Picnic card

End of Picnic Card Cashback

We are restructuring our benefits system and would like to inform you that the current cashback program will end on January 31, 2026. Since our rewards system is based on your GNO balance and NFT ownership, we have prepared this guide to clarify the status of your assets and earnings. 1. Until when will I receive cashback from the Picnic card? All purchases made with the Picnic Card until 11:59 PM on 01/31/2026 will follow the current rule: - Cashback levels: Cashback from 1% to 4% (based on your deposit of 0.1 to 10 GNO). - OG NFT Bonus: The additional 1% for NFT holders will also be applied normally until this date. 2. What to do with my GNO deposited on the Picnic card After January 31, the amount that was securing your Picnic card cashback level will be free for movement. You have full autonomy to decide what to do with your GNO: - Sell to use on the Card: You can sell your GNO directly to load your card balance and make purchases. - Withdraw to External Account or PIX: You can sell your GNO and send the resulting USDC to your multi-currency account. From there, you can: - Make a withdrawal to an external wallet. - Or convert to BRLA and make a withdrawal via PIX to your bank account. 3. Frequently Asked Questions I am an OG NFT holder. Do I lose my advantage? The additional cashback utility of the OG NFT will end along with the program on 01/31. However, your NFT remains an exclusive item in your collection. What happens to the Picnic card cashback redemptions? The cashback balance you have already earned will be credited to your account following the standard processing time. You will be able to redeem it normally via the app or web, even after the program ends. Why is the cashback ending? The rewards model via GNO deposit was an important cycle for the Picnic card. We are ending this phase to make way for a new loyalty format, more dynamic and with new benefits that will be announced soon. See also What is GNO and its relation to cashback Check cashback balance