Risk Disclosure Statement

The value of Digital Assets, including USDT, USDC, BTC, ETH, SOL, and any other supported assets, can fluctuate significantly and unpredictably over short periods of time, including between the moment you fund your Wallet and the moment your balance is converted or spent. Digital Assets may lose all or substantially all of their value. You should only fund your Account with Digital Assets you can afford to lose in full.

Conversion of Digital Assets into a Fiat Equivalent is performed at prevailing market rates at the time of conversion, which may differ materially from rates available on other exchanges or platforms, or from the rate at the time you initiated a funding transaction. The Company does not guarantee any specific conversion rate, spread, or execution price.

Transactions confirmed on a blockchain network are generally irreversible. If you send Digital Assets to an incorrect address, select an unsupported network, or otherwise make an error in initiating a transaction, the Company has no ability to reverse, recall, or refund that transaction. Losses resulting from such errors are borne entirely by you.

Where your Wallet is self-custodial, you are solely responsible for the security of your private keys, seed phrases, and recovery credentials. The Company does not store and cannot recover these credentials. Loss, theft, or compromise of your private keys may result in permanent and total loss of access to your Digital Assets, with no recourse against the Company.

Digital Asset platforms, wallets, and associated infrastructure are targets for hacking, phishing, social engineering, and other forms of cyberattack. While the Company implements security measures designed to protect the Platform, no system is entirely immune to compromise. You are responsible for protecting your Account credentials and remaining vigilant against phishing attempts, fraudulent communications, and social engineering targeting your Digital Assets.

The regulatory treatment of Digital Assets, crypto-funded card products, and related services differs across jurisdictions and continues to evolve. Future regulatory action, including new legislation, licensing requirements, or enforcement action, may restrict, suspend, or prohibit the availability of the Services in your jurisdiction, with limited or no advance notice. You are responsible for understanding and complying with the laws applicable to you.

The Card is issued by a third-party Card Issuing Partner and operates over third-party payment networks and merchant acquiring infrastructure. Card functionality may be affected by network outages, Issuing Partner risk controls, merchant-side restrictions, geographic restrictions, or temporary suspensions for compliance review. The Company does not guarantee uninterrupted Card availability or acceptance at any specific merchant or location.

Funding and conversion transactions depend on the performance of underlying blockchain networks, which may experience congestion, elevated network fees, delays, or temporary outages outside the Company's control. Such conditions may delay the availability of funds on your Account or affect the cost of a transaction.

The Services rely on a number of third parties, including blockchain networks, liquidity and conversion providers, the Card Issuing Partner, payment networks, and identity verification providers. The failure, insolvency, security breach, or operational disruption of any such third party may adversely affect your ability to access funds or use the Services, and may result in loss for which the Company bears no liability.

Digital Assets and any Fiat Equivalent balance associated with your Account are not bank deposits and are not protected by any government deposit insurance scheme or investor compensation fund. In the event of insolvency of the Company, a liquidity provider, or the Card Issuing Partner, you may lose some or all of the value associated with your Account.

Transactions involving Digital Assets, including funding, conversion, and spending, may give rise to tax obligations depending on your jurisdiction of tax residence. The Company does not provide tax advice and is not responsible for determining or reporting your personal tax obligations. You should consult an independent tax professional regarding the treatment of your Digital Asset activity.

Nothing in the Services, the Platform, or the Company's marketing materials constitutes a recommendation, solicitation, or endorsement to acquire, hold, or dispose of any Digital Asset. Any decision to acquire or hold Digital Assets used in connection with the Services is made independently and at your own risk.

The Company may, at its discretion, add, remove, or suspend support for particular Digital Assets or blockchain networks at any time, which may affect your ability to fund, convert, or access value held in connection with the Services. Where reasonably practicable, the Company will provide advance notice of material changes affecting existing balances.