Risk Disclosures

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.

MarketEngine is live on Robinhood Chain testnet using the tUSDG/tPONS test pool; its adapters hold test assets without earning yield. Other vault and payment components are tested on Base Sepolia. These contracts are unaudited and testnet assets have no real economic value.

Smart contracts, however careful the engineering, can contain vulnerabilities. A bug or exploit in Mintware's contracts or a future integrated protocol could result in loss of assets 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.

Future vault designs may interact with lending adapters or AMMs. A failure, exploit, or parameter change in an integrated protocol could affect a position; current MarketEngine testnet adapters hold test assets without yield.

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.

Matched launch and lock-tier features are roadmap designs, not currently available. If offered later, their terms may restrict withdrawals for a stated period.

Reward rates, lock multipliers, and fee splits are roadmap designs, not currently available features. If offered later, their terms may 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 current MarketEngine test pool on Robinhood Chain pairs tUSDG with tPONS; these are test assets, not Paxos-issued USDG or real-value tokens. Token contracts may include controls such as pausing, freezing, minting, or upgrades that can block transfers. MarketEngine adapters hold test assets without yield.

Bridge + Stripe card integrations are in development. No card purchase is currently authorized or settled through Mintware, and no customer card buffer is being refilled for live purchases. Testnet demonstrations do not move real merchant funds.

A test or internal authorization record does not establish that a purchase was settled with a merchant. Any future card settlement or refill depends on the card provider, configured funding source, and on-chain transaction and could fail or be delayed.

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.