Risk disclosure

Nothing NovaPayx provides is investment, legal, accounting or tax advice, or a recommendation to buy, sell or hold any asset.

A fiat balance is a claim under the arrangement of the provider named in your terms. The protections that apply, such as safeguarding, depend on that arrangement and the law that governs it.

A digital-asset balance is a holding of that asset in custody, not a claim to a fixed amount of money. A value shown in euros or dollars is an estimate that changes with the market. Digital assets are not bank deposits and are generally not covered by deposit-insurance or investor-compensation schemes.

Crypto-asset prices can rise and fall quickly and significantly. You can lose some or all of the value of your holdings.

Stablecoins aim to keep a stable value against a reference currency, but can lose that value. They depend on their issuer, the reserves backing them and the issuer's redemption rules, which may not give you a direct right to redeem. An issuer can freeze tokens or stop redemptions.

Rates and spreads change with the market, and quotes expire. In stressed markets, liquidity can be limited, so a conversion or withdrawal may be delayed, cost more or be unavailable for a time.

Blockchain transfers are generally irreversible. Sending to the wrong address, on the wrong network or without a required memo can mean permanent loss.

Networks can be congested, change their rules, split into separate chains (forks) or be attacked. A provider decides whether to support a new chain or token resulting from a fork; you may not receive it.

Services depend on banks, payment providers, custodians and blockchain networks, any of which can be interrupted, fail or change their services. If a provider becomes insolvent, how your funds or assets are treated depends on its arrangements and the law that applies to it. No system is completely secure.

Where the law gives you a right to withdraw from a service agreement, that right does not reverse conversions or trades already executed at a market-dependent price. For crypto-asset services in the European Economic Area, the withdrawal right and its effects are set out in the authorised provider's customer terms.

Laws differ between countries and change. A change can affect which assets, currencies, features or routes are available to you, or require us to restrict or close a service.

You are responsible for any tax arising from your use of NovaPayx. Conversions between digital assets and money may be taxable events.

Fees and spreads reduce the value you receive. They are shown before you confirm.

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