Digital-asset risk disclosure

Scope and your rights

Read this disclosure before using an enabled digital-asset service through RT. It covers relevant stablecoins, including USDC and RTUSD, and other supported digital assets. The particular asset, issuer, account model, network and accepted product agreement determine your rights. This notice does not activate a service, establish a direct provider relationship, change an existing signed agreement by itself, or waive mandatory consumer or EEA statutory redemption rights.

1. No government backing or deposit insurance

Digital assets are not legal tender and are not backed by a government. Digital-asset accounts and value balances are not protected by FDIC deposit insurance or SIPC protection. An account number, payment-network logo or reference to a regulated provider does not turn a digital asset into an insured bank deposit.

2. Regulatory change

Changes in laws, regulations or government actions in relevant jurisdictions can adversely affect the use, transfer, exchange and value of digital assets. A provider may restrict or discontinue a service where required by law or its applicable terms.

3. Irreversible transfers and loss

Digital-asset transfers may be irreversible. Money lost through fraud, an incorrect address, an unsupported asset or network, or an accidental transfer may not be recoverable. Check all payment details before authorizing. A token issuer’s power to freeze an asset does not guarantee recovery or reversal.

4. Ledger timing

Some digital-asset transactions take effect when recorded on the public ledger. That may differ from the time an instruction is submitted or displayed as initiated in an application. Network confirmation and the applicable agreement determine completion.

5. Market value and total loss

A digital asset’s value may depend on other market participants continuing to exchange money or other assets for it. If that market disappears, its value can be lost permanently and entirely. A stablecoin’s target price does not eliminate market, reserve, issuer, custody or redemption risk.

6. Future acceptance

A person or merchant that accepts a digital asset today may stop accepting it. Acceptance, conversion routes and liquidity are not guaranteed.

7. Price volatility

Digital-asset prices relative to fiat currency can be volatile and unpredictable, producing substantial losses over a short period. Stablecoins may depart from their intended value, including during market stress.

8. Fraud and cyber risk

Digital assets can carry heightened risks of fraud, theft, phishing and cyberattack. Protect account credentials, signing permissions and recovery information. RT will never require a private key or recovery phrase in an ordinary support message.

9. Technology and access

Technical failures at RT, Brale, another provider, a blockchain or a third-party service may prevent access to or use of digital assets. Outages, congestion, software defects, attacks or changes in network rules may delay or interrupt transfers and redemption.

10. Limits of bonds and trust accounts

Any bond or trust account maintained by Brale for program partners may be insufficient to cover all losses. Its existence does not guarantee repayment to a customer or establish an insured deposit or trust relationship for that customer.

Issuance, redemption and rewards

A program-level agreement with a provider does not automatically grant an RT customer direct issuance or redemption rights against that provider. Direct services require the applicable onboarding and agreement. Any legal right to redemption, including applicable EEA rights, remains intact. Holding a stablecoin does not automatically earn interest or entitle the holder to RT’s provider revenue share. A separate reward, yield or investment product requires its own lawful terms and eligibility.

Documents and complaints

• Brale account and service documents
• USDC issuer documents and EEA rights
• Brale licensing and state complaint routes
• RT support and complaints