Risk Disclosures

Cryptocurrency markets are highly volatile. The value of your collateral can decrease significantly in a short period of time. If the value of your collateral falls below required maintenance levels, you may be subject to margin calls or liquidation.

• Collateral values can drop 20%, 50%, or more in a single day
• Historical performance does not guarantee future results
• You may lose some or all of your deposited collateral

If your collateral value falls below the required threshold (liquidation ratio), your collateral may be automatically sold to repay your outstanding balance. This can happen without prior notice during rapid market movements.

• Liquidations are automatic and cannot be reversed
• You may receive less than the market value due to slippage
• Liquidation fees will be deducted from your collateral
• You are responsible for monitoring your collateral ratio

Interest rates on your credit line may be variable and can change based on market conditions, your utilization, and other factors. Changes in interest rates will affect your repayment amounts.

• Rates are subject to change with notice
• Higher utilization may result in higher rates
• You are responsible for understanding your rate terms

The tax treatment of crypto-backed loans varies by jurisdiction and individual circumstances. While borrowing against crypto is generally not considered a taxable event in the United States, this information is for educational purposes only.

• This is not tax advice—consult a qualified tax professional
• Tax laws change and vary by jurisdiction
• Liquidation events may trigger taxable gains or losses
• Interest deductibility depends on loan use and your tax situation
• You are responsible for your own tax reporting and compliance

The regulatory environment for cryptocurrency and crypto-backed lending is evolving. Changes in laws or regulations could affect our ability to provide services or your ability to use our platform.

• Services may become restricted in certain jurisdictions
• Compliance requirements may change
• We may need to modify or discontinue certain features

Our services rely on technology infrastructure and blockchain networks that may experience outages, delays, or failures. Smart contract vulnerabilities, hacks, or other security incidents could result in loss of funds.

• Blockchain networks may experience congestion or outages
• Smart contracts may contain undiscovered vulnerabilities
• Cyber attacks could affect our platform or your funds
• We maintain security measures and insurance, but no system is infallible

Stablecoins used for collateral or repayment may not maintain their peg to the underlying asset. De-pegging events can affect collateral values and repayment amounts.

• Stablecoins are not FDIC insured
• Stablecoin issuers may face regulatory or solvency issues
• De-pegging events have occurred historically