Official Rules — Terms and Conditions

The Contest is open to natural persons who, as of the date of their Entry, meet all of the following requirements:

1. Are at least eighteen (18) years old and have reached the age of majority in their jurisdiction of residence, whichever is greater;
2. Are not located in, or operating from, any prohibited jurisdiction, which includes all US comprehensively sanctioned countries (Cuba, North Korea, Iran, and Syria) and prohibited regions (Crimea, the so-called Donetsk People’s Republic, and the so-called Luhansk People’s Republic regions of Ukraine, Myanmar, Belarus, and Russia) where Dakota’s Platform and the Services are prohibited by law;
3. Are not listed on any government list of prohibited or restricted parties, including sanctioned persons or entities identified by the U.S. Department of the Treasury’s Office of Foreign Assets Control Specially Designated Nationals and Blocked Persons (“SDN”) list, or other U.S. non-SDN restricted or prohibited parties lists;
4. Are not employees, officers, directors, contractors, or agents of Sponsor, its affiliates, its advertising or promotion agencies, or any Contest amplification partner, and are not immediate family members (spouse, parent, child, sibling, and their respective spouses) or household members of any of the foregoing;
5. Successfully complete Sponsor’s KYC/KYB verification process and are lawfully able to open and maintain a Dakota account under Sponsor’s terms of service and applicable law; and
6. Have the legal capacity to enter into these Rules.

Entry is by individual builders only. A Participant may be assisted by AI agents and tooling of the Participant’s choice, but each Entry must be the work of a single human Participant. Sponsor may require proof of identity, age, and residence as a condition of verification or prize payment. The Contest is void where prohibited or restricted by law.

No purchase, payment, or fee is required to enter or win. Access to Sponsor’s sandbox environment, completion of KYC/KYB verification, and entry into the Contest are free of charge. Participants may use any AI agent, model, or development tooling of their choice; any third-party tools a Participant elects to use are at the Participant’s option and expense and are not a condition of entry. To enter, a Participant must complete all of the following during the Contest Period:

1. Build. Create a working financial product (for example, a neobank, payouts product, or treasury product) agentically on Sponsor’s sandbox environment, using a sandbox account that has completed Sponsor’s KYC/KYB verification process. All sandbox activity uses simulated test funds; no live funds move (see Section 13).
2. Record. Capture a continuous video recording of the complete build session showing elapsed wall-clock time from start to finish. Builds without a complete recording are not eligible.
3. Post. Publish a public post on X or LinkedIn that: (a) tags @dakota; (b) includes both hashtags #TheAgenticBuild and #Builders; (c) states the Participant’s total build time; and (d) links to the build recording (the “Entry”). The post must remain publicly available through verification and, for winners, through the end of the Contest Period.

A Participant may submit multiple Entries; the Participant’s fastest Verified Entry (defined below) will be the Participant’s time of record. By posting an Entry, the Participant accepts these Rules, consents to the data practices described in Section 11, and grants the license described in Section 9. Participants are responsible for complying with the terms and disclosure requirements of the platform on which they post, including disclosure of their participation in the Contest where required by applicable law; inclusion of #TheAgenticBuild satisfies Sponsor’s requirement that Entries identify themselves as Contest entries.

An Entry becomes a “Verified Entry” when Sponsor confirms each of the following objective criteria (the “Verification Criteria”):

1. The sandbox account used for the build completed Sponsor’s KYC/KYB verification process;
2. The working product permits a user to log in, make a deposit, view a balance, and make a withdrawal, evidenced by a successful outbound sandbox transfer;
3. A public code repository for the build is available and remains publicly accessible through verification; and
4. The recording shows the complete build session and end-to-end elapsed wall-clock time consistent with the build time stated in the Entry post.

Sponsor will apply the Verification Criteria uniformly to all Entries and will use commercially reasonable efforts to complete verification within five (5) business days of an Entry being posted. If an Entry fails verification solely because of a technical defect in its submission materials (for example, a broken recording link or an inaccessible repository), Sponsor will notify the Participant, who may cure the defect once within three (3) days of notice; the original build time and Entry Timestamp are unaffected by a cure. An Entry that fails the Verification Criteria on substance (including any indication that the recording does not reflect a continuous session or that the stated time is inaccurate) is invalid.

The Contest is a contest of skill. Winners are determined solely by objective criteria: verified elapsed wall-clock build time, as established by the recording and confirmed through the Verification Criteria. Chance plays no part in the determination of winners.

1. Rolling Recognition Tier. Every Verified Entry with a build time under nine (9) hours (a “Qualifying Build”) earns the Rolling Reward described in Section 7. There is no limit on the number of Qualifying Builds.
2. Finale Tier. The three (3) Verified Entries with the fastest build times at the close of the Contest Period earn the First, Second, and Third Place prizes described in Section 7, announced on or about Day 14 of the Contest Period.
3. Tiebreaker. If two or more Verified Entries record identical build times, the Entry with the earliest Entry Timestamp (the timestamp assigned by the social platform to the qualifying Entry post) prevails. Sponsor’s verification date and order do not affect ranking or ties.

Finale Tier winners also receive the Rolling Reward if their winning build is a Qualifying Build. Dakota platform credits: (a) may be applied only against fees for Sponsor’s platform services; (b) are non-transferable and have no cash value and may not be redeemed or exchanged for cash; (c) expire twelve (12) months after issuance; and (d) require a Dakota account in good standing. Prizes are non-assignable. No substitution of prizes is permitted, except that Sponsor may substitute a prize of equal or greater value if a stated prize becomes unavailable. Sponsor may increase prize amounts or add prizes at any time during the Contest Period; any increase applies as stated in Sponsor’s announcement. Prizes already earned will never be reduced, revoked, or made subject to new conditions.