This Risk Disclosure summarises certain risks associated with the use of the products, features and services made available by DPT ("DPT", "we", "us", "our") (collectively, the "Services"). It does not describe all risks that may apply. By using the Services, you acknowledge that you understand and accept these risks and that you remain solely responsible for determining whether the Services are appropriate for your circumstances.
DPT is a financial technology company and is not a bank, deposit-taking institution, e-money issuer, custodian or regulated financial intermediary. Certain functionalities accessible through the Services — including card issuance, custody, payments, settlement and fiat on-/off-ramping — are provided by independent licensed third-party partners ("Service Partners"). Availability of these features may vary by region and may be modified or withdrawn by DPT or by Service Partners at any time.
Stablecoin-denominated balances displayed within the DPT App do not constitute deposits, safeguarded funds or insured money and are not protected by any deposit guarantee, compensation or insurance scheme.
Stablecoins and other digital assets carry risks, including potential loss of peg, liquidity constraints, issuer-related risks, reliance on reserve management practices, vulnerabilities in smart contracts, network disruptions, protocol changes, and evolving regulatory requirements. Digital assets may lose value, become unsupported or be rendered inaccessible without prior notice or recourse.
To facilitate operational continuity and liquidity management, DPT may place or hold certain funds (including funds associated with user balances) in low-risk traditional financial instruments, such as short-dated U.S. Treasury securities. These practices are undertaken solely for treasury and operational purposes and do not create an investment product or entitle users to any interest, yield or return. Users may access only the balance shown in their account, subject to applicable terms and limitations.
Certain aspects of the Services rely on third-party Service Partners, custodians, banks, payment processors, infrastructure providers and other external institutions. DPT does not control these entities and does not guarantee their performance, regulatory standing, solvency or continued availability. Disruptions, operational issues, restrictions or regulatory actions affecting a third party may impair your ability to access or use the Services, including associated funds or digital assets.
The Services depend on software, networks, APIs, blockchain infrastructure, smart contracts and third-party systems. These systems may experience outages, delays, degraded performance, cybersecurity incidents, unauthorized access, credential compromise or other disruptions. Losses arising from such events — including the loss of digital assets — may be irreversible. You are responsible for safeguarding your devices, account credentials and authentication methods.
All information provided through the Services is offered for general informational purposes only. Nothing provided by DPT constitutes financial, investment, legal, tax or other professional advice, nor should it be treated as a recommendation or representation as to the suitability of any product or feature. DPT does not assess the appropriateness of the Services for your individual circumstances, and you should obtain independent professional advice where appropriate.
DPT may amend this Disclosure at any time. Continued use of the Services following an update will constitute your acceptance of the revised Disclosure.