Last updated: August 19, 2026 · Incorporated into our Terms of Service by reference
Using Mintware can result in the total, irreversible loss of your funds. This document describes the risks we believe are most relevant to our actual product, stated as plainly as we can. It is not exhaustive — digital-asset technology carries risks that cannot be fully anticipated. Do not use any feature of the Services with funds you cannot afford to lose, and never rely on Mintware for financial, legal, or tax advice.
Digital-asset prices can move sharply and unpredictably, including to zero. Historical performance of any asset or vault is not indicative of future results.
Blockchain transactions generally cannot be reversed, cancelled, or refunded once confirmed. A mistaken address, amount, or approval is typically unrecoverable.
Nothing on the Services is insured by the FDIC, SIPC, or any government or private insurer. Loss of funds is your loss alone.
If you self-custody, you are solely responsible for securing your private keys and seed phrase. Loss of a key, or use of an embedded wallet whose recovery method you do not control, can mean permanent loss of funds. Review Privy's own security disclosures for embedded wallets.
As of this writing, no contract underlying the vaults or payments surface has completed an external security audit. Audited status, when achieved, will be stated explicitly on the relevant product page — absence of that statement means unaudited.
The vault engine and payments stack currently operate on Base Sepolia and Circle Arc testnet. Testnet contracts are unproven, may contain bugs, and are not backed by real economic value regardless of any figure displayed.
Smart contracts, however careful the engineering, can contain vulnerabilities. A bug or exploit in Mintware's contracts, or in a third-party protocol Mintware routes through (Aave, Uniswap V4), can result in loss of funds routed through it.
We may pause, deprecate, or migrate contracts, including via a guardian kill-switch, at our discretion in response to a discovered vulnerability or other operational need. This can temporarily or permanently affect your ability to withdraw or use a position.
The vaults route idle capital through third-party protocols (currently Aave). A failure, exploit, or parameter change in that protocol can affect vault solvency independent of any bug in Mintware's own contracts.
Your Attribution score reflects historical, publicly observable on-chain activity as measured by our current methodology. It is not a statement about your character, trustworthiness, or future behavior, and no one — counterparty, protocol, or Mintware itself — should treat it as a guarantee of anything.
Score computation depends on third-party data providers (Etherscan, Zerion, Nansen). Provider outages, rate limits, or incomplete indexing can produce a score that under- or over-represents actual activity at any given moment.
While the scoring methodology includes anti-sybil and risk-penalty logic, no scoring system is immune to sophisticated manipulation. A score should be treated as one signal, never a sole basis for a material decision about a counterparty.
We may change the scoring methodology, weighting, or data sources at any time, which can change your score without any change in your own on-chain behavior.
Providing liquidity to a two-sided pool can result in a lower dollar value than simply holding the underlying assets, depending on price divergence between them.
Locking a position for a reward multiplier restricts your ability to withdraw before the lock expires; early exit (where permitted) may incur a penalty.
Reward rates, multipliers, and fee splits are set by Mintware and may be changed, reduced, or discontinued at any time and without obligation to compensate you for the change.
APY, TVL, or example-vault figures shown before a vault is live and funded are illustrative projections, not historical results, and should not be relied upon.
The Liquid Sovereign Account, card-spend, and agent x402 payment rails are experimental and currently run against testnet infrastructure (Circle Arc testnet). No real card, real settlement, or real merchant transaction should be assumed to occur through these features unless explicitly stated as live.
Authorization of a spend (e.g. an edge-auth "approve") is not a guarantee of final on-chain settlement. A settlement can fail, be delayed, or be reversed by an underlying rail (Circle, Visa) independent of Mintware's own systems.
Granting an autonomous agent a scoped spending permission means that agent can act within that scope without further confirmation from you. Misconfigured limits, a compromised agent, or a bug in the delegation logic can result in unintended spend up to the granted limit.
Referral rewards, campaign rewards, and any point or bonus system are discretionary incentive programs. We may modify, pause, or cancel them, or adjust eligibility retroactively to address abuse, without liability.
Participation does not create a contractual entitlement to any specific reward amount or schedule.
If you join an organization through the Services, that organization — not Mintware — determines your role and any access it grants you. Mintware issues the underlying attestation at the org's request but does not verify the org's identity, legitimacy, or internal policies. Evaluate any organization independently before joining it or relying on membership within it.
An organization's treasury, if and when deployed, is controlled by that organization, not Mintware. We are not responsible for how an org manages, allocates, or loses funds in its own treasury.
The regulatory treatment of digital assets, DeFi protocols, on-chain reputation systems, and agent-initiated payments is unsettled and evolving in the United States and elsewhere. A future law, regulation, or enforcement action could restrict, prohibit, or require us to materially change the Services, potentially without advance notice.
We restrict access from certain jurisdictions and sanctioned parties (see Terms of Service §2) and may expand those restrictions at any time.
Nothing in this document or elsewhere on the Services is a representation that any token, score, or product is or is not a "security" under any law. You are responsible for your own legal analysis.
Mintware is an early-stage company with a limited operating history. Early-stage risks — including limited resources, key-person dependency, and the possibility of discontinuing operations — apply.
We do not guarantee the Services will be available, uninterrupted, or error-free at any given time.
Mintware, its team, and its affiliates may hold positions in, or receive fees from, the products described on the Services, which can create incentives that are not perfectly aligned with any individual user's.
These disclosures are incorporated by reference into our Terms of Service. By using the Services you acknowledge you have read and understood them.