Risk Disclosure

Last updated: April 2025

1. Cryptocurrency Risk

Cryptocurrency prices are highly volatile. Investors may face significant losses. Please understand these risks before trading.

2. Exchange Rate Risk

Cross-border transactions involve exchange rate risk. Fluctuations may affect the amount received.

3. Technical Risk

Network interruptions or technical failures may cause transaction delays or failures.

4. Regulatory Risk

Regulatory policies vary by region and may change, affecting service availability.

5. Fund Safety

Despite security measures, fund safety risks always exist. Users should carefully set passwords and enable security authentication.

6. USDⒽ Nature Statement

USDⒽ is an internal reward point (closed-loop reward points) of the HoyaPay platform, usable only within the HoyaPay platform to offset transaction fees or card spending. USDⒽ is non-transferable, has no secondary market, and is not an investment product or security. USDⒽ carries no expectation of investment returns.

This page contains general legal information. HoyaPay platform is operated by Better-Pro Limited (FinCEN MSB, US) and Better-Pro Enterprises Limited (FINTRAC MSB, Canada).