Risk Disclosure
Using Novapayx may involve financial, operational, technological, regulatory, and digital-asset risks. Please read this disclosure carefully.
Effective 1 July 2026 ยท Version 1.0
This summary applies alongside the Terms of Use for your region.
General
Using Novapayx involves financial, market, operational, technological, regulatory, and digital-asset risks. This disclosure highlights key risks but is not exhaustive. You are responsible for deciding whether the services are appropriate for you, and you should seek independent advice where needed.
Not investment, legal, or tax advice
Nothing provided by Novapayx is investment, legal, accounting, or tax advice, or a recommendation to buy, sell, or hold any asset. Information and tools are general and may not suit your circumstances.
Volatility and loss of value
The value of crypto-assets can be highly volatile and may fall as well as rise, rapidly and significantly. You may lose some or all of the value of your holdings. Past performance is not indicative of future results.
Stablecoins
Stablecoins aim to track a reference value but may not always maintain their peg, and may be affected by the reserves, issuer, or market conditions behind them.
Irreversibility of transactions
Crypto-asset transactions submitted to a blockchain network are generally irreversible. Sending assets to an incorrect or incompatible address, or on the wrong network, may result in permanent loss. You are responsible for transaction details before you confirm.
Custody and no deposit insurance
Crypto-asset custody is provided by regulated custody partners depending on your region. Novapayx is not a bank and does not provide deposit-taking banking services; balances are not deposits and may not be covered by deposit-insurance or investor-compensation schemes.
Liquidity and market risk
Liquidity for a given asset or corridor may be limited, and conversion rates and spreads vary with market conditions. Execution and liquidity are provided by regulated partners and market venues; there may be times when conversion or withdrawal is delayed or unavailable.
Conversion and FX risk
Converting between assets or currencies carries rate and spread risk; the amount you receive depends on prevailing rates and applicable fees, shown before you confirm.
Technology, cybersecurity, and operational risk
Access may be affected by maintenance, outages, network congestion, blockchain forks or re-orgs, smart-contract or protocol issues, third-party provider failures, or events beyond reasonable control. No system is completely secure.
Regulatory and legal risk
Laws and regulations affecting crypto-assets, payments, and digital finance differ by jurisdiction and may change, sometimes at short notice. Changes may affect the availability of assets, features, routes, or the services as a whole, and may require additional checks or restrict access.
Third-party and partner risk
Regulated custody, banking, conversion, and payment functions are delivered through partners. Their performance, availability, and policies can affect the services available to you.
Tax
You are responsible for determining and meeting any tax obligations arising from your use of the services in your jurisdiction.
Eligibility and availability
Capabilities depend on verification, account type, jurisdiction, asset, route, and compliance approval, and are not guaranteed in every market. Fees reduce the net value of transactions.
Contact
Questions about these risks: compliance@novapayx.com, or contact us.