Coin-Specific Cryptoasset Risk Disclosures

Baseline Coins 

Bitcoin 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Bitcoin Cash 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Litecoin 

Baseline Risks

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Layer 1s

Atom (Cosmos) 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Governance & Utility Token Risks

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future.

Avalanche 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future.

Cardano 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future. 

Ethereum 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future. 

Hedera

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future. 

Internet Computer

Baseline Risks

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks:

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest.
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment.
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it.
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is.
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high risk investments such as crypto assets.

Governance & Utility Token Risks

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks:

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value.
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control.
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals.
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued.
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future.

NEAR Protocol 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future.

Polkadot 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future. 

SUI 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future. 

DeFi Asset & Protocol Hacking Risks 

Decentralised finance (DeFi) protocols can be vulnerable to exploitation, and users may face losses due to hacks, technical vulnerabilities, or governance actions beyond their control. For example, in May 2025, a Sui-based platform experienced a security incident that resulted in losses of approximately USD 2.4 million. While the tokens held by AMINA may be safeguarded within our custody framework, external events of this nature can still affect the market value of related assets. Individuals should assess whether they understand and are able to bear these risks before engaging with DeFi services. 

TON (The Open Network) 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future.

XRP 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future.

Stellar 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future.

Polygon

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future.

Chainlink 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practice not to invest more than 10% of all your money in high risk investments such as crypto assets. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future. 

DeFi Tokens 

AAVE 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practise not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

DeFi Risks 

DeFi tokens relate to decentralised financial applications and protocols that run on public blockchains. These are particularly complex and carry additional risks beyond standard cryptoasset investments: 

• Smart contract risk: DeFi relies on smart contracts. Even small coding errors or bugs can lead to exploits, potentially resulting in significant financial loss. 
• Regulatory risk: DeFi protocols often operate without intermediaries or standard compliance controls. Future regulation could affect the legality, availability, or value of DeFi tokens. 
• Rug pulls and exit scams: Some DeFi projects are launched by anonymous teams. This increases the risk of developers abandoning the project and removing liquidity, leaving investors with worthless tokens. 
• Data/oracle risk: DeFi platforms depend on external data sources (oracles) for pricing and execution. If these are manipulated or inaccurate, it can lead to losses. 
• Protocol complexity: Many DeFi systems are difficult to understand, even for experienced investors. You should not invest unless you fully understand how the protocol works and the risks involved. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future. 

SNX (Synthetix) 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practise not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

DeFi Risks 

DeFi tokens relate to decentralised financial applications and protocols that run on public blockchains. These are particularly complex and carry additional risks beyond standard cryptoasset investments: 

• Smart contract risk: DeFi relies on smart contracts. Even small coding errors or bugs can lead to exploits, potentially resulting in significant financial loss. 
• Regulatory risk: DeFi protocols often operate without intermediaries or standard compliance controls. Future regulation could affect the legality, availability, or value of DeFi tokens. 
• Rug pulls and exit scams: Some DeFi projects are launched by anonymous teams. This increases the risk of developers abandoning the project and removing liquidity, leaving investors with worthless tokens. 
• Data/oracle risk: DeFi platforms depend on external data sources (oracles) for pricing and execution. If these are manipulated or inaccurate, it can lead to losses. 
• Protocol complexity: Many DeFi systems are difficult to understand, even for experienced investors. You should not invest unless you fully understand how the protocol works and the risks involved. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future. 

UNI (Uniswap) 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practise not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

DeFi Risks 

DeFi tokens relate to decentralised financial applications and protocols that run on public blockchains. These are particularly complex and carry additional risks beyond standard cryptoasset investments: 

• Smart contract risk: DeFi relies on smart contracts. Even small coding errors or bugs can lead to exploits, potentially resulting in significant financial loss. 
• Regulatory risk: DeFi protocols often operate without intermediaries or standard compliance controls. Future regulation could affect the legality, availability, or value of DeFi tokens. 
• Rug pulls and exit scams: Some DeFi projects are launched by anonymous teams. This increases the risk of developers abandoning the project and removing liquidity, leaving investors with worthless tokens. 
• Data/oracle risk: DeFi platforms depend on external data sources (oracles) for pricing and execution. If these are manipulated or inaccurate, it can lead to losses. 
• Protocol complexity: Many DeFi systems are difficult to understand, even for experienced investors. You should not invest unless you fully understand how the protocol works and the risks involved. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future. 

Yearn Finance 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practise not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

DeFi Risks 

DeFi tokens relate to decentralised financial applications and protocols that run on public blockchains. These are particularly complex and carry additional risks beyond standard cryptoasset investments: 

• Smart contract risk: DeFi relies on smart contracts. Even small coding errors or bugs can lead to exploits, potentially resulting in significant financial loss. 
• Regulatory risk: DeFi protocols often operate without intermediaries or standard compliance controls. Future regulation could affect the legality, availability, or value of DeFi tokens. 
• Rug pulls and exit scams: Some DeFi projects are launched by anonymous teams. This increases the risk of developers abandoning the project and removing liquidity, leaving investors with worthless tokens. 
• Data/oracle risk: DeFi platforms depend on external data sources (oracles) for pricing and execution. If these are manipulated or inaccurate, it can lead to losses. 
• Protocol complexity: Many DeFi systems are difficult to understand, even for experienced investors. You should not invest unless you fully understand how the protocol works and the risks involved. 

Governance & Utility Token Risks 

Governance and utility tokens give holders access to features within a blockchain protocol or allow them to participate in on-chain decision-making. While they may support activity within a digital ecosystem, they still carry a range of risks: 

• Project dependency: These tokens are closely tied to the ongoing development and success of a specific platform or protocol. If the project is abandoned or fails to attract users, the token may lose all value. 
• Governance concentration: While governance tokens aim to support decentralised decision-making, voting rights may be concentrated in the hands of a few large holders or insiders, undermining community control. 
• Volatility risk: Even if designed for use within a platform, governance and utility tokens can still be highly volatile, with prices driven by speculation rather than usage or fundamentals. 
• Functionality risk: Some utility tokens may have limited or no actual use beyond speculation. Promised features or applications may never be delivered or may be discontinued. 
• Regulatory uncertainty: Some tokens marketed as “utility” may later be reclassified as securities depending on how they function and are used. This could impact how they are offered, traded, or regulated in the future.

Stablecoins 

Euro Coin 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practise not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Stablecoin Risks 

Stablecoins are cryptoassets that aim to maintain a stable value, usually pegged to a fiat currency like USD. While they are designed for lower volatility, they are not without risk. 

• Counterparty risk: If the stablecoin is backed by reserves, a third party is typically responsible for holding and managing those assets. If that party fails, becomes insolvent, or does not maintain the reserves properly, the stablecoin’s value could be affected. 
• Redemption risk: The ability to redeem an asset for its underlying collateral may not function as expected, especially during market volatility or network issues. 
• Collateral risk: Some stablecoins are backed by other cryptoassets. If the value of the collateral falls significantly, this can destabilise the token and put holders at risk of loss. 
• Foreign exchange (FX) risk: Many stablecoins are pegged to fiat currencies (e.g., US Dollars), exposing you to movements in fiat exchange rates. 
• Algorithmic risk: Stablecoins that rely on algorithms or smart contracts to maintain their peg can fail due to flawed design, poor execution, or external market shocks. This may lead to a loss of value or stability. 

Global Dollar 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practise not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Stablecoin Risks 

Stablecoins are cryptoassets that aim to maintain a stable value, usually pegged to a fiat currency like USD. While they are designed for lower volatility, they are not without risk. 

• Counterparty risk: If the stablecoin is backed by reserves, a third party is typically responsible for holding and managing those assets. If that party fails, becomes insolvent, or does not maintain the reserves properly, the stablecoin’s value could be affected. 
• Redemption risk: The ability to redeem an asset for its underlying collateral may not function as expected, especially during market volatility or network issues. 
• Collateral risk: Some stablecoins are backed by other cryptoassets. If the value of the collateral falls significantly, this can destabilise the token and put holders at risk of loss. 
• Foreign exchange (FX) risk: Many stablecoins are pegged to fiat currencies (e.g., US Dollars), exposing you to movements in fiat exchange rates. 
• Algorithmic risk: Stablecoins that rely on algorithms or smart contracts to maintain their peg can fail due to flawed design, poor execution, or external market shocks. This may lead to a loss of value or stability. 

USD Coin 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practise not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Stablecoin Risks 

Stablecoins are cryptoassets that aim to maintain a stable value, usually pegged to a fiat currency like USD. While they are designed for lower volatility, they are not without risk. 

• Counterparty risk: If the stablecoin is backed by reserves, a third party is typically responsible for holding and managing those assets. If that party fails, becomes insolvent, or does not maintain the reserves properly, the stablecoin’s value could be affected. 
• Redemption risk: The ability to redeem an asset for its underlying collateral may not function as expected, especially during market volatility or network issues. 
• Collateral risk: Some stablecoins are backed by other cryptoassets. If the value of the collateral falls significantly, this can destabilise the token and put holders at risk of loss. 
• Foreign exchange (FX) risk: Many stablecoins are pegged to fiat currencies (e.g., US Dollars), exposing you to movements in fiat exchange rates. 
• Algorithmic risk: Stablecoins that rely on algorithms or smart contracts to maintain their peg can fail due to flawed design, poor execution, or external market shocks. This may lead to a loss of value or stability. 

RLUSD 

Baseline Risks 

All cryptoassets carry risk, regardless of the type of token you choose to invest in.
Before you trade or invest, it’s important to understand the following risks: 

• Investment risk: The value of cryptoassets can be extremely volatile. Prices may fall just as quickly as they rise, and you should be prepared to lose all the money you invest. 
• Lack of protections: Cryptoassets are largely unregulated. This means you will not be protected by the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS) if something goes wrong with your investment. 
• Selling your investment: You may not always be able to sell your cryptoassets when you want. Market conditions or operational issues (like outages or cyber-attacks) can cause delays, meaning you might not be able to access your money at the time you need it. 
• Cryptoassets are complex: It may not always be clear how a cryptoasset works or what factors influence its value. Take time to research and understand what you’re investing in. If something sounds too good to be true, it probably is. 
• Don’t put all your eggs in one basket: Putting all your money in a single type of investment is risky. It is good practise not to invest more than 10% of all your money in high-risk investments such as crypto assets. 

Stablecoin Risks 

Stablecoins are cryptoassets that aim to maintain a stable value, usually pegged to a fiat currency like USD. While they are designed for lower volatility, they are not without risk. 

• Counterparty risk: If the stablecoin is backed by reserves, a third party is typically responsible for holding and managing those assets. If that party fails, becomes insolvent, or does not maintain the reserves properly, the stablecoin’s value could be affected. 
• Redemption risk: The ability to redeem an asset for its underlying collateral may not function as expected, especially during market volatility or network issues. 
• Collateral risk: Some stablecoins are backed by other cryptoassets. If the value of the collateral falls significantly, this can destabilise the token and put holders at risk of loss. 
• Foreign exchange (FX) risk: Many stablecoins are pegged to fiat currencies (e.g., US Dollars), exposing you to movements in fiat exchange rates. 
• Algorithmic risk: Stablecoins that rely on algorithms or smart contracts to maintain their peg can fail due to flawed design, poor execution, or external market shocks. This may lead to a loss of value or stability.