Risk Disclosure

Cryptocurrency prices are extremely volatile and can fluctuate dramatically within short periods — including minutes or seconds. The value of any cryptocurrency can drop to zero. Past performance does not guarantee future results.

Market conditions can change rapidly due to regulatory announcements, technological developments, macroeconomic events, social media sentiment, and other unpredictable factors. You should only trade or lend cryptocurrency that you can afford to lose entirely.

CoinExchange.Cash is non-custodial: you control your own private keys and sign all on-chain transactions. This means:

• If you lose your private keys, seed phrase, or wallet access, your funds are permanently and irretrievably lost. We cannot recover them for you.
• If your wallet or device is compromised (malware, phishing, social engineering), your funds may be stolen. We cannot reverse unauthorized transactions.
• You are solely responsible for the security of your wallet, private keys, and devices.

P2P trades involve direct interaction with other users and off-platform fiat payments. Key risks include:

• Counterparty risk: The other party may attempt to defraud you (e.g., fake payment proofs, chargebacks on fiat payments, social engineering). Always verify payment receipt independently before releasing escrow.
• Payment reversal risk: Some fiat payment methods (credit cards, PayPal, certain bank transfers) allow chargebacks. A buyer could reverse their fiat payment after receiving cryptocurrency from escrow. Use irreversible payment methods when possible.
• Escrow limitations: The 2-of-3 escrow system provides protection but is not infallible. Disputes are resolved by human arbitrators based on available evidence. Outcomes may not always satisfy both parties.
• Communication risks: Be wary of counterparties who pressure you to act quickly, request communication outside the platform, or ask for your personal information.

P2P lending on CoinExchange.Cash is over-collateralized, but risks remain:

• Liquidation risk (borrowers): If the value of your collateral drops below the liquidation threshold due to market movements, your collateral will be automatically liquidated. You may lose your entire collateral.
• Flash crash risk: Sudden, extreme price drops may trigger liquidation before you have time to add collateral or repay the loan.
• Default risk (lenders): While loans are over-collateralized, extreme market conditions or smart contract issues could theoretically result in losses for lenders.
• Interest rate risk: Agreed-upon interest rates are fixed for the loan term. Market conditions may change, making rates unfavorable.

Monitor your loan-to-value (LTV) ratio closely and act on margin warnings promptly.

• Transaction irreversibility: Blockchain transactions cannot be reversed, cancelled, or modified once confirmed. Sending cryptocurrency to the wrong address results in permanent loss.
• Smart contract bugs: Smart contracts may contain undiscovered vulnerabilities that could be exploited, resulting in loss of funds locked in the contract.
• Network congestion: During periods of high network activity, transactions may be delayed or require higher gas fees than expected.
• Hard forks and chain splits: Blockchain networks may undergo protocol changes that could affect your assets or the functionality of smart contracts.
• Oracle failures: Price feeds used for lending liquidations and market-price trades rely on external data sources (oracles) which may experience delays, inaccuracies, or manipulation.

• Prediction markets are speculative in nature. You may lose your entire position.
• Market resolution depends on the outcome of real-world events and the accuracy of resolution sources.
• Positions may become illiquid if there are insufficient counterparties.
• Prediction markets may be restricted or prohibited in your jurisdiction.

• Cryptocurrency regulations vary significantly by jurisdiction and are evolving rapidly. Activities that are legal today may become restricted or prohibited.
• You are responsible for understanding and complying with the laws applicable to you, including tax obligations on cryptocurrency gains.
• Regulatory changes could affect the availability of the Platform or specific features in your region.
• Cryptocurrency transactions may be subject to monitoring and reporting requirements under AML/CTF laws.

CoinExchange.Cash integrates with third-party services (on-ramp providers, swap aggregators, KYC providers) that are outside our control. These services may experience downtime, security breaches, or changes to their terms that could affect your experience. We are not responsible for the actions or failures of third-party services.

Nothing on CoinExchange.Cash constitutes financial, investment, legal, or tax advice. All information provided on the Platform (including price data, market statistics, and educational content) is for informational purposes only. You should consult qualified professionals before making any financial decisions.