Case summary
What happened
JuCoin described JBank as an already-launched Web3 decentralized self-custody banking and financial protocol in June 2025. Later JBank material documented Flexible, 180-day and 365-day staking with auto-compounding rewards. On 4 December 2025 JBank announced an International Version for users whose long-term staked assets had not been sold: users could wait for release to begin after six months or accelerate release through performance-based unlocking, while static returns would not accrue during either route. CYA treats this material change in access and return mechanics as sufficient historical relevance for a narrow DeFi/staking exception, while preserving that JBank is self-custodial/on-chain rather than a centralized deposit account.
Customer result
Customer outcome
Unknown
Unknown does not mean no recovery. The issuer notice provides a release mechanism but CYA did not find first-party evidence proving that every affected long-term position had been fully released by the verification date. No static returns were to accrue during the described waiting/unlocking routes.
- Estimated recovery
- Not established. JBank's 4 December 2025 notice describes release beginning after six months for one International Version path or accelerated release through performance-based unlocking, but the reviewed sources do not establish universal completion or a verified aggregate release rate for affected long-term stakers.
- Repayment started
- —
- Repayment completed
- —
- Confidence
- Medium
Asset treatment
Terms risk
Unclear
The issuer-described release paths are six-month delayed release or performance-based accelerated unlocking, with no static returns during those periods. CYA does not treat self-custody marketing, guaranteed-return wording, POL reserves or protocol mechanics as a legal principal guarantee. JUC/JUB token continuity remains unresolved.
- Affected product
- JBank Staking / International Version
- Confidence
- Medium
JBank markets the protocol as decentralized and self-custodial, but staking necessarily places assets under smart-contract/protocol rules and the 4 December 2025 International Version notice says affected long-term staked assets are transferred into that system for management. The reviewed public material does not establish a conventional segregated-deposit structure or an unconditional right to immediate withdrawal while assets are subject to long-term staking or International Version release rules.
Source: JBank official website and International Version notice
Known unknowns
Uncertainty
The exact original JBank protocol launch date was not established. JuCoin's June 2025 notice calls the project token JUC on JuChain, while later/current JBank material uses JUB; the reviewed sources do not establish the exact rename, migration or replacement chronology. The December 2025 notice describes release beginning after six months or performance-based acceleration, but the reviewed evidence does not establish universal completion of release for all affected long-term stakers.
Chronology
Historical record
JBank announces International Version release rules for long-term staking
JBank announced an International Version for unsold long-term staked assets. The notice described release beginning after six months without user action or accelerated release through performance-based unlocking, and stated that no static returns would be generated during the waiting or unlocking period.
This event records an issuer-described change in access and return mechanics, not proof that all affected assets were subsequently released or that any advertised prior return was realized.
Source record
Evidence dossier
Filter by claim, reliability, source type, and whether evidence is linked to a specific event.
Entity
3 sourcesJuCoin Will Launch JUC/USDT Trading Pair on June 10, 2025
JuCoin / Ju.com · 2025-06-07
JuCoin first-party notice identifies JUC (JBank) as a Web3 decentralized self-custody banking and financial protocol launched by JuCoin, names JuChain and points to jbank.vip as the official website. It proves JBank existed by June 2025 but does not establish the exact original protocol launch day.
JBank Project | Unlock the Power of On-Chain Staking with JUB
JBank Project on JU Square · 2025-11-04
Project-authored JU Square post documents Flexible, 180-day and 365-day JUB staking with auto-compounding rewards every eight hours and describes the model as self-custodial. JU Square labels community content as third-party, so CYA uses this as supporting product evidence rather than sole authority for safety or realized-return claims.
JuChain Early-Stage Potential Projects — JBank
Ju.com · 2025-06-01
Ju.com ecosystem article describes JBank as a native decentralized self-custody banking protocol in the JuChain ecosystem with account management, on-chain lending, AI wealth-management and payment functions. Used for protocol scope, not as proof of guaranteed return or customer outcome.
Event
1 sourcesJBank official website and International Version notice
JBank · 2025-12-04
Current official JBank surface describes the self-custody protocol, staking/lending/POL mechanics and reproduces a dated 4 December 2025 notice for long-term staked assets. The notice describes delayed or performance-based release and says static returns do not accrue during the waiting/unlocking routes.
No evidence records match the current filters.
Comparative records