Schedule J | Digital-Asset Risk Disclosures
Version 3.0 applies only through valid acceptance of the online MSA or a valid amendment. A private commercial order and provider approvals remain separate.
J.1 Asset and provider risk
Stablecoins and NFTs are digital assets, not ordinary insured bank deposits. A stablecoin can lose its reference value or liquidity and can be affected by issuer reserves, redemption restrictions, sanctions, freezes, blacklists, insolvency, governance or regulatory changes. Provider custody or conversion has its own counterparty risks. No deposit or investment insurance applies merely because RT displays a balance; any coverage must be expressly established by the applicable provider and law.
J.2 Network and contract risk
Transactions can be delayed, reorganized, censored, incorrectly routed or affected by a fork, bridge, smart-contract bug, upgrade, compromise or network outage. Finality depends on the network and provider requirements. Gas and other costs can change and may be nonrecoverable where law permits. A wrong address, network or token contract may cause permanent loss. Confirm supported destinations and token contracts before authorizing a transfer.
J.3 Control and recovery
Completed public-chain transfers generally cannot be reversed by RT. A provider or issuer may have specific freeze or recovery powers; their existence does not give RT unilateral control or guarantee recovery. Wallet security, authorized signers, recovery mechanisms and custody depend on the actual setup. Merchant and buyers must not share seed phrases or private keys and must understand the applicable provider recovery process.
J.4 Card versus on-chain finality
A token mint or stablecoin payout does not eliminate a card chargeback, bank return, fraud claim or refund obligation on the funding side. Direct on-chain payment may lack a card-network chargeback mechanism but remains subject to applicable contractual and legal remedies. Merchant must fund its obligations even if proceeds have already moved to a wallet.
J.5 NFT rights and persistence
An NFT conveys only the rights validly specified for it; ownership does not automatically transfer intellectual property, verify product legality, ensure delivery or promise investment value. On-chain records may be immutable/public, while linked content can be unavailable or separately hosted. Burning a token may not erase metadata, copies or underlying rights. Direct personal identifiers must remain off-chain; necessary public wallet/transaction references follow Schedule G.
J.6 Geographic and legal limits
Supported assets, methods and territories can change. EU/EEA crypto-asset and stablecoin services require the applicable legal and provider permissions, including MiCA requirements where relevant. No service is approved merely by publication of this disclosure. Merchant must accurately explain the actual transaction, material risks, fees, redemption/refund terms and responsible providers before a buyer pays.