الشؤون القانونية

Crypto Risk Disclosure

الإصدار: 0.9 (draft) · آخر تحديث: 2026-09-11

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1. Only listed tokens on listed networks

We support only the stablecoins and networks shown in your dashboard (for example USDC and EURC on specific chains). A token with the same name on a different network is a different asset — sending it to a Baynoy address is not supported.

2. Transfers are irreversible

On-chain transfers cannot be recalled. Money sent to the wrong address, the wrong network, or without a required memo/tag is usually unrecoverable, by anyone. Addresses in your dashboard are network-specific and labeled; check both the asset and the network every time.

3. Screening and holds

Every deposit and withdrawal is screened against sanctions and blockchain-analytics risk before funds move. A transfer that fails screening, or whose source is unclear, is held for review — it is not automatically returned, because returning it can itself be unlawful. If screening is unavailable, the movement waits: the system fails closed.

4. Confirmations and finality

Deposits are credited only after the confirmations the network needs. Chain reorganisations can undo what looked final; we follow the finality rules shown per network, and a credited deposit that the chain later reverses will be corrected.

5. Stablecoins are not bank money

A stablecoin's value depends on its issuer and reserves. It can trade away from its target value ("depeg"), redemption can be suspended, and no deposit-insurance scheme covers it. A stablecoin balance is exposure to the issuer, not a bank claim.

6. Converting to bank money takes steps

USDC/EURC to your bank account means: the stablecoin is redeemed or sold, fiat settles to the account of the institutions involved, your fiat balance is credited, and only then can a payout go to your verified bank account. Rates, fees and expected timing are shown before you start; the arrival of a coin is not yet settled bank money.

7. Technology risk

Smart-contract exploits, network congestion, fee spikes and protocol changes are real risks of public blockchains and are outside anyone's full control. Withdrawal fees shown are estimates of network conditions at that moment.

8. Information we must collect

For certain transfers, law (including the Travel Rule) requires information about the beneficiary or originator. Withdrawals to new addresses use an allowlist with a cooldown and step-up verification; we may ask you to demonstrate control of an address.

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