Risk Disclosure
Last updated 7 October 2026
1. Your assets are not protected like bank deposits
Digital assets are not covered by deposit guarantee schemes such as FSCS or FDIC insurance, and generally not by investor compensation schemes. If a stablecoin issuer, a blockchain, or a service provider fails, you may have no protection and no recourse.
2. Stablecoins can lose their peg
A stablecoin is a promise, not a law of nature. USDC, USDT, EURC and PYUSD aim to track a fiat currency, but that depends on the issuer’s reserves, solvency and redemption policy. Pegs have broken before. An issuer can also freeze specific addresses, including yours, at its own discretion or at the direction of an authority.
3. Blockchain transactions are final
Once a transaction is confirmed on-chain it cannot be reversed, cancelled or recalled by us, by our partners, or by anyone else. In particular:
- assets sent to a wrong address are normally lost permanently;
- assets sent on the wrong network are often unrecoverable;
- omitting a required memo or destination tag can make funds unrecoverable; and
- amounts below the network minimum may not be credited or returned.
You are responsible for checking the address, the network and the amount before you confirm.
4. You control your keys
Rampy is non-custodial. We never hold your private keys or seed phrase, which means we cannot recover them. If you lose access to your wallet, the assets in it are gone. Anyone who obtains your seed phrase can take everything in the wallet.
5. Price and liquidity risk
Rates shown are indicative until a transaction settles. Between the moment you confirm and the moment funds arrive, prices can move, and network congestion can delay settlement. Conversions between different currencies carry exchange-rate risk.
6. Operational and third-party risk
The service depends on banks, payment rails, blockchains and third-party providers. Any of these can fail, be delayed, suspend service, or be subject to regulatory action. Bank transfers may take several business days and can be returned by the receiving institution.
7. Deposit accounts carry risks an order does not
A deposit account is a permanent set of bank details that converts whatever is paid into it. There is no order to check, no agreed amount, and nothing to cancel. Paying into it twice converts twice. Every deposit goes to the wallet address recorded on that account, so an address that becomes wrong — a wallet you lose access to, an exchange account that closes — sends every later deposit somewhere you cannot reach. Review the destination before you use one, and turn it off if you stop using it.
8. Swapping is usually a taxable event
Exchanging one digital asset for another, including exchanging a volatile asset for a stablecoin, is generally treated as a disposal of the first asset even though no bank is involved and no money reaches your account. That can create a tax liability in a period when you received no cash to pay it with. Keep your records, and take your own advice.
9. Technology and security risk
Smart contracts can contain bugs. Blockchains can fork or suffer consensus failures. Wallets, browsers and devices can be compromised by malware or phishing. Always confirm you are on the genuine https://rampy.money domain before entering anything.
10. Regulatory risk
Rules for digital assets are changing quickly and differ by country. Future changes may restrict your ability to convert, hold or transfer assets, may require additional information from you, or may cause services to be withdrawn in your jurisdiction.
11. Tax
Converting digital assets is commonly a taxable event. You are responsible for determining, reporting and paying whatever tax applies to you. We do not provide tax advice and do not file anything on your behalf.
12. No advice
Nothing on Rampy.money is investment, legal or tax advice, or a recommendation to buy or sell anything. Decisions are yours alone. If you are unsure, take independent professional advice.