Risk Disclaimer

Important information about the risks associated with Virtual Assets and our Services.

Last updated: 1 June 2026 · Operated by Nova Skill Edge Limited

1. General awareness

This page outlines the key risks associated with Virtual Assets and use of the future StableARK service ("fe", "we", "us"). It is not an exhaustive list. You should carefully evaluate whether our Services are appropriate for your specific needs, financial situation, and circumstances, and seek independent financial and legal advice if you are unsure.

2. Legal & regulatory considerations

The regulatory framework for cryptocurrencies and other Virtual Assets is still evolving. The interpretation and enforcement of existing laws remain in many respects untested, creating uncertainty regarding their application. Future regulations targeting blockchain technologies, Virtual Assets, stablecoins, electronic money, and related service providers may be introduced, and there is no guarantee that such changes will not negatively impact Virtual Assets or our Services.

The legal treatment of Virtual Assets differs significantly between jurisdictions. In some regions, they may be prohibited or subject to strict regulation. You are solely responsible for ensuring compliance with all applicable laws in your jurisdiction of residence, at your own risk and expense. We do not provide any endorsement or opinion on the legality of Virtual Assets in any specific country. You are strongly advised to conduct your own due diligence to fully understand the legal implications. Your use of Virtual Assets through our Services is at your own risk, and you must be prepared to accept these risks.

In the United Kingdom, the FCA has repeatedly warned that crypto-asset investments are typically high-risk and unsuitable for many retail consumers, that you may lose all the money you invest, and that crypto-asset services are not protected by the Financial Services Compensation Scheme. The FOS generally cannot consider complaints about unregulated crypto-asset activities. StableARK will operate within the UK regulatory framework once registered; until that point, no production Services are offered.

3. Volatility & market risk of Virtual Assets

The value of Virtual Assets is highly volatile and unpredictable. There is a possibility they may lose all value. Engaging in holding, trading, sending, or receiving Virtual Assets carries significant risks, including the potential for severe and rapid financial loss. Valuation is often difficult due to unstable trading patterns, fragmented liquidity, and unclear fundamentals. You should carefully assess whether holding or transacting in Virtual Assets is consistent with your financial situation, risk tolerance, and investment objectives.

Although stablecoins such as USDC and USDT are designed to maintain a 1:1 peg to the US dollar, there is no guarantee that the peg will be maintained at all times. A stablecoin may temporarily or permanently lose its peg ("de-peg") due to issuer insolvency, banking-partner failure, run-on-redemption events, market conditions, technical defects in the smart contract, sanctions enforcement, or regulatory intervention. A de-peg event may result in immediate and substantial financial loss.

Given the inherent risks of Virtual Asset markets and the impact of technological, geopolitical, and regulatory factors, we cannot guarantee the continued availability of any particular Virtual Asset, payment rail, or corridor within our Services. StableARK reserves the right to suspend or discontinue support for specific Virtual Assets, currencies, countries, or payment rails at its sole discretion.

4. Funds & counterparty risk

In the event of our failure, insolvency, administration, or liquidation, protections under consumer-protection laws in your jurisdiction may not apply to Virtual Asset balances. As a result, there is a risk that you may not recover any funds or cryptocurrency held with us, or that recovery may be partial or delayed.

Once StableARK operates as a UK-registered Electronic Money Institution, fiat balances held in segregated safeguarding accounts at UK-regulated banks will receive the protections set out in the Electronic Money Regulations 2011. Those protections apply only to fiat e-money — they do not apply to balances held in Virtual Assets, which sit with our regulated custody partners under separate arrangements.

On/off-ramp, custody, banking, and card-issuing services are or will be provided by independent licensed partners. Your funds and Virtual Assets at those partners are subject to the partners' own terms, their solvency, and the regulatory regimes that govern them. StableARK is not liable for the failure of a partner except to the extent required by mandatory UK law.

5. Operational & technology risk

Virtual Assets settle on public blockchains. Blockchain transactions are typically irreversible. If you send Virtual Assets to the wrong address, on the wrong network, or to a contract that cannot receive them, the funds may be lost permanently and StableARK will not be able to recover them on your behalf.

Blockchains can experience congestion, reorganisations, forks, downtime, or fee-market spikes that delay or prevent transactions from confirming. Local payment rails (SEPA, PIX, SPEI, ACH, FPS, NIBSS, InstaPay, UPI, FedNow and others) may experience downtime or scheduled maintenance during which cash-outs cannot complete. We make no guarantee of uninterrupted service.

6. Accuracy of information

Although we strive to provide accurate and up-to-date information through our Services, we cannot guarantee that all information will always be correct, complete, or current. Quoted exchange rates, fees, settlement times, supported countries, and supported assets are indicative until you confirm a transaction. Sample journeys, illustrative figures, and roadmap commitments on this website are forward-looking and may change without notice.

7. Cybersecurity

The Platform may be subject to malicious attempts by individuals, groups, or organisations, including but not limited to malware, denial-of-service attacks, account takeovers, phishing, spoofing, SIM-swap, social engineering, and other forms of cyberattack. Such incidents may disrupt operations, compromise account credentials, or impair the availability of the Services.

With the increasing reliance on technology and computer systems, both Virtual Assets and related Services are exposed to operational and information-security risks. Cyber incidents may arise from intentional attacks or accidental events and can include unauthorised access to systems, theft of assets or sensitive data, data corruption, or service disruption. Cybersecurity breaches involving third-party service providers (e.g., software vendors, cloud services, custodians, identity-verification providers, or administrators) could also negatively impact Virtual Assets or the Services.

You are responsible for ensuring that:

• your access credentials (including email, password, and any two-factor authentication tools) remain secure and confidential;
• the security and integrity of the hardware, software, and systems you use to access our Services are maintained at all times, including up-to-date operating systems, anti-malware, and trusted networks;
• you do not share account credentials, recovery codes, or one-time passwords with any third party — including with anyone claiming to be from StableARK support.

8. Fraud & social-engineering risk

You are responsible for verifying the identity of anyone you send funds to. StableARK cannot reverse a transaction once it has been processed on a blockchain or settled on a local rail. Common fraud patterns include: impersonation of StableARK staff or other regulated firms; "authorised push payment" (APP) scams; fake job offers requesting up-front payment; romance and investment scams; recovery scams targeting prior victims; and pig-butchering schemes. If a counterparty puts time pressure on you, asks for unusual payment methods, or promises returns that look too good to be true, stop and verify before transacting.

9. Tax

Holding, receiving, or disposing of Virtual Assets may have tax consequences in your jurisdiction. These consequences vary by country, by status (individual, contractor, business), and by transaction type. StableARK does not provide tax advice. You are solely responsible for determining and reporting any tax obligations arising from your use of our Services, including income tax, capital gains tax, VAT, or equivalent.

10. No advice

Information on this website and within the Services is provided for general informational purposes only and does not constitute investment, legal, tax, accounting, or any other professional advice. We do not make any recommendation regarding the suitability of any particular Virtual Asset, transaction, rail, or strategy. You should consult qualified independent advisers before making any decision.

11. Changes to this Disclaimer

We may update this Risk Disclaimer from time to time to reflect changes in market conditions, regulation, or our Services. We will revise the "Last updated" date and, for material changes, notify account holders by email. The current version is always available at stableark.io/risk-disclaimer.html.

12. Contact us

If you have any questions or concerns about this Risk Disclaimer or our Services, please contact us at legal@stableark.io.