Risk Disclosure

Crypto-asset prices are highly volatile and can move sharply over very short periods. The value of XRP and other supported assets, denominated in fiat currency or in other crypto-assets, may rise or fall significantly. Advertised yields are typically denominated in the deposited asset and do not protect you from a fall in the underlying asset's market price.

Annual percentage yields ("APYs") displayed in the calculator, marketing pages, and dashboard are estimates derived from internal modelling and prior protocol activity. Realised yield depends on factors that are not under our control, including AMM trading volumes, lending utilisation, validator behaviour, gas costs, oracle prices, and external market conditions. Realised yield may be materially lower than displayed estimates and may, in adverse conditions, be zero or negative.

The Service relies on smart contracts and on the XRP Ledger and its Hooks framework. Smart contracts may contain bugs, design flaws, or unforeseen interactions that allow loss of funds. Audits and code reviews reduce, but do not eliminate, this risk. Upgrades, parameter changes, or governance actions on protocols we integrate with may also affect the value or liquidity of your position.

Public blockchain networks, validators, sequencers, and RPC providers may experience outages, congestion, censorship, forks, reorgs, or upgrades that delay or prevent processing of transactions. Some events may temporarily prevent withdrawals or yield accrual, and in extreme scenarios may result in permanent loss.

Market depth for XRP, RLUSD, and other supported assets can vary significantly. In stressed conditions, slippage on rebalancing or withdrawal may be material, and certain strategies may be paused or rate-limited to protect remaining users. There is no guarantee that you will be able to withdraw your full balance immediately at any given time.

Even when assets are held under non-custodial-style architectures, the Service necessarily relies on counterparties — including bridge operators, oracle providers, payment processors, and on-ramp partners. The insolvency, fraud, security incident, or operational failure of any such counterparty could result in delayed access, loss of value, or total loss of the affected funds.

RLUSD and other stablecoins supported by the Service depend on issuer solvency, reserve quality, redemption mechanisms, and regulatory standing. A stablecoin may de-peg from its reference asset temporarily or permanently. Strategies that rely on stablecoins are exposed to this risk.

Certain strategies may employ leverage, looped positions, or derivative exposure. Leverage amplifies both gains and losses. In adverse market conditions, leveraged positions may be liquidated, partially or in full, with limited or no opportunity to react.

You are responsible for the accuracy of withdrawal addresses, the security of your credentials, and the safekeeping of your two-factor authentication device. Transactions sent to incorrect addresses or to incompatible networks may be unrecoverable. Phishing, SIM-swap, malware, and social-engineering attacks remain a leading cause of loss in the crypto industry. Treat unsolicited messages, even those that appear to come from XRPro, with extreme caution.

Despite our security controls, no system is perfectly secure. Successful attacks against the Service, our suppliers, or your own devices and accounts could result in unauthorised access to your funds or personal data.

The legal and regulatory treatment of crypto-assets, yield products, stablecoins, decentralised exchanges, and lending protocols is evolving and varies between jurisdictions. New laws, regulations, or enforcement actions may require us to suspend, restrict, or terminate parts of the Service, including your access to it. You are responsible for determining whether your use of the Service is lawful in your jurisdiction.

You are responsible for understanding and meeting your tax obligations in every jurisdiction in which you are subject to tax. Deposits, withdrawals, yield, swaps, referral commissions, and ticket purchases may be taxable events. We do not provide tax advice. Records exported from the dashboard are provided for your convenience and may not be sufficient on their own to meet your tax-reporting obligations.

The Service may display third-party data such as prices, balances, or analytics. This data may be delayed, incomplete, or inaccurate. We do not warrant its accuracy or completeness, and you should not rely on it as the sole basis for any decision.

The Service may be temporarily or permanently affected by events outside our reasonable control, including natural disasters, war, civil unrest, pandemics, sanctions, or fundamental disruptions to the underlying blockchain networks. Such events may prevent us from providing the Service or honouring withdrawals on the usual timelines.

Crypto-assets held or processed through the Service are not covered by any government-backed deposit insurance scheme, including the FDIC in the United States, the FSCS in the United Kingdom, or analogous schemes in other jurisdictions. There is no central authority that will reimburse you in the event of loss.

By using the Service you acknowledge that you have read this Risk Disclosure, that you understand the risks described, and that you accept those risks. If you do not understand any of the risks described, do not use the Service until you have obtained independent advice from a qualified professional.

Questions about this Risk Disclosure can be sent to support@xrpro.gg.