Wino Pay

Risk Disclosure

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Wino Pay

Risk Disclosure

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Last update: 14 feb, 2026

Last update: 14 feb, 2026

1. Purpose of This Risk Disclosure

This Risk Disclosure describes material risks associated with using Wino Pay and receiving or making payments in digital assets (including stablecoins). It does not disclose all risks, and you should not rely on it as legal, tax, or financial advice. By using Wino Pay, you acknowledge and accept these risks.

1. Purpose of This Risk Disclosure

This Risk Disclosure describes material risks associated with using Wino Pay and receiving or making payments in digital assets (including stablecoins). It does not disclose all risks, and you should not rely on it as legal, tax, or financial advice. By using Wino Pay, you acknowledge and accept these risks.

1. Purpose of This Risk Disclosure

This Risk Disclosure describes material risks associated with using Wino Pay and receiving or making payments in digital assets (including stablecoins). It does not disclose all risks, and you should not rely on it as legal, tax, or financial advice. By using Wino Pay, you acknowledge and accept these risks.

2. Non-Custodial Service; You Control Your Wallet

Wino Pay is non-custodial. The Company does not hold, custody, or control digital assets and does not have access to private keys, seed phrases, or wallet credentials. You are solely responsible for securing your wallet, private keys, and devices. If you lose access to your wallet or keys, the Company cannot recover them.

2. Non-Custodial Service; You Control Your Wallet

Wino Pay is non-custodial. The Company does not hold, custody, or control digital assets and does not have access to private keys, seed phrases, or wallet credentials. You are solely responsible for securing your wallet, private keys, and devices. If you lose access to your wallet or keys, the Company cannot recover them.

2. Non-Custodial Service; You Control Your Wallet

Wino Pay is non-custodial. The Company does not hold, custody, or control digital assets and does not have access to private keys, seed phrases, or wallet credentials. You are solely responsible for securing your wallet, private keys, and devices. If you lose access to your wallet or keys, the Company cannot recover them.

3. Irreversible Transactions; No Chargebacks; Refunds Are Your Responsibility

Blockchain transactions are generally irreversible. If you or your customer sends digital assets to an incorrect address, on the wrong network, or with incorrect parameters, the digital assets may be permanently lost. There are no chargebacks. Any refund is solely between you and your customer and, if provided, must be completed by a separate new blockchain transaction initiated by the merchant.

3. Irreversible Transactions; No Chargebacks; Refunds Are Your Responsibility

Blockchain transactions are generally irreversible. If you or your customer sends digital assets to an incorrect address, on the wrong network, or with incorrect parameters, the digital assets may be permanently lost. There are no chargebacks. Any refund is solely between you and your customer and, if provided, must be completed by a separate new blockchain transaction initiated by the merchant.

3. Irreversible Transactions; No Chargebacks; Refunds Are Your Responsibility

Blockchain transactions are generally irreversible. If you or your customer sends digital assets to an incorrect address, on the wrong network, or with incorrect parameters, the digital assets may be permanently lost. There are no chargebacks. Any refund is solely between you and your customer and, if provided, must be completed by a separate new blockchain transaction initiated by the merchant.

4. Network Risk: Delays, Congestion, Fees, and Reorganizations

Blockchain networks may experience congestion, outages, degraded performance, increased fees, delayed confirmations, or unexpected behavior. Transactions may fail, be delayed, or be reversed in rare cases due to chain reorganizations or similar events. The Company does not guarantee confirmation times, finality, or network availability.

4. Network Risk: Delays, Congestion, Fees, and Reorganizations

Blockchain networks may experience congestion, outages, degraded performance, increased fees, delayed confirmations, or unexpected behavior. Transactions may fail, be delayed, or be reversed in rare cases due to chain reorganizations or similar events. The Company does not guarantee confirmation times, finality, or network availability.

4. Network Risk: Delays, Congestion, Fees, and Reorganizations

Blockchain networks may experience congestion, outages, degraded performance, increased fees, delayed confirmations, or unexpected behavior. Transactions may fail, be delayed, or be reversed in rare cases due to chain reorganizations or similar events. The Company does not guarantee confirmation times, finality, or network availability.

5. Stablecoin Risks (USDT and Others)

Stablecoins may lose their peg, experience market dislocations, face liquidity constraints, or become unavailable in certain markets. Stablecoin issuers and related entities may have the ability to freeze, block, or blacklist addresses or transactions, or otherwise restrict transfers, including due to legal or compliance actions. You may be unable to move or redeem stablecoins as a result. The Company does not control stablecoin issuers and does not guarantee any stablecoin’s value, peg, redemption, or transferability.

5. Stablecoin Risks (USDT and Others)

Stablecoins may lose their peg, experience market dislocations, face liquidity constraints, or become unavailable in certain markets. Stablecoin issuers and related entities may have the ability to freeze, block, or blacklist addresses or transactions, or otherwise restrict transfers, including due to legal or compliance actions. You may be unable to move or redeem stablecoins as a result. The Company does not control stablecoin issuers and does not guarantee any stablecoin’s value, peg, redemption, or transferability.

5. Stablecoin Risks (USDT and Others)

Stablecoins may lose their peg, experience market dislocations, face liquidity constraints, or become unavailable in certain markets. Stablecoin issuers and related entities may have the ability to freeze, block, or blacklist addresses or transactions, or otherwise restrict transfers, including due to legal or compliance actions. You may be unable to move or redeem stablecoins as a result. The Company does not control stablecoin issuers and does not guarantee any stablecoin’s value, peg, redemption, or transferability.

6. Wallet, Device, and Operational Security Risks

Digital asset payments rely on wallet software, devices, and internet connectivity. Risks include malware, phishing, SIM swapping, compromised devices, social engineering, theft, and loss of seed phrases. If your wallet or device is compromised, you may lose digital assets. The Company is not responsible for losses caused by third-party compromises or your security practices.

6. Wallet, Device, and Operational Security Risks

Digital asset payments rely on wallet software, devices, and internet connectivity. Risks include malware, phishing, SIM swapping, compromised devices, social engineering, theft, and loss of seed phrases. If your wallet or device is compromised, you may lose digital assets. The Company is not responsible for losses caused by third-party compromises or your security practices.

6. Wallet, Device, and Operational Security Risks

Digital asset payments rely on wallet software, devices, and internet connectivity. Risks include malware, phishing, SIM swapping, compromised devices, social engineering, theft, and loss of seed phrases. If your wallet or device is compromised, you may lose digital assets. The Company is not responsible for losses caused by third-party compromises or your security practices.

7. Third-Party Dependencies

Wino Pay may interoperate with or rely on third-party services and networks such as wallet providers, RPC providers, blockchain nodes, explorers, and stablecoin issuers. Third parties may experience outages, errors, policy changes, censorship, or other events outside of the Company’s control. The Company is not responsible for third-party performance or actions.

7. Third-Party Dependencies

Wino Pay may interoperate with or rely on third-party services and networks such as wallet providers, RPC providers, blockchain nodes, explorers, and stablecoin issuers. Third parties may experience outages, errors, policy changes, censorship, or other events outside of the Company’s control. The Company is not responsible for third-party performance or actions.

7. Third-Party Dependencies

Wino Pay may interoperate with or rely on third-party services and networks such as wallet providers, RPC providers, blockchain nodes, explorers, and stablecoin issuers. Third parties may experience outages, errors, policy changes, censorship, or other events outside of the Company’s control. The Company is not responsible for third-party performance or actions.

8. Regulatory and Legal Risks; Compliance Is Your Responsibility

Laws and regulations related to digital assets vary by jurisdiction and may change. Use of digital assets may be restricted or prohibited in your location or the locations of your customers. You are solely responsible for determining whether accepting, holding, using, or reporting digital asset payments is legal in your jurisdiction, and for complying with all applicable laws, including tax, consumer protection, licensing, and reporting obligations. The Company does not provide legal, tax, or regulatory advice.

8. Regulatory and Legal Risks; Compliance Is Your Responsibility

Laws and regulations related to digital assets vary by jurisdiction and may change. Use of digital assets may be restricted or prohibited in your location or the locations of your customers. You are solely responsible for determining whether accepting, holding, using, or reporting digital asset payments is legal in your jurisdiction, and for complying with all applicable laws, including tax, consumer protection, licensing, and reporting obligations. The Company does not provide legal, tax, or regulatory advice.

8. Regulatory and Legal Risks; Compliance Is Your Responsibility

Laws and regulations related to digital assets vary by jurisdiction and may change. Use of digital assets may be restricted or prohibited in your location or the locations of your customers. You are solely responsible for determining whether accepting, holding, using, or reporting digital asset payments is legal in your jurisdiction, and for complying with all applicable laws, including tax, consumer protection, licensing, and reporting obligations. The Company does not provide legal, tax, or regulatory advice.

9. Sanctions and Export Control Risks

Transactions involving sanctioned persons, entities, jurisdictions, or prohibited end uses may expose you to legal consequences. Digital asset addresses can be associated with sanctioned activity, and stablecoin issuers or other parties may restrict transfers. You are responsible for compliance with sanctions and export control laws applicable to you and your activities.

9. Sanctions and Export Control Risks

Transactions involving sanctioned persons, entities, jurisdictions, or prohibited end uses may expose you to legal consequences. Digital asset addresses can be associated with sanctioned activity, and stablecoin issuers or other parties may restrict transfers. You are responsible for compliance with sanctions and export control laws applicable to you and your activities.

9. Sanctions and Export Control Risks

Transactions involving sanctioned persons, entities, jurisdictions, or prohibited end uses may expose you to legal consequences. Digital asset addresses can be associated with sanctioned activity, and stablecoin issuers or other parties may restrict transfers. You are responsible for compliance with sanctions and export control laws applicable to you and your activities.

10. Business and Dispute Risks

Customer disputes are solely between you and your customers. The Service does not provide dispute resolution, chargebacks, escrow, or mediation. You are responsible for providing customer support, refunds (if any), receipts, pricing, taxes, and compliance disclosures to your customers.

10. Business and Dispute Risks

Customer disputes are solely between you and your customers. The Service does not provide dispute resolution, chargebacks, escrow, or mediation. You are responsible for providing customer support, refunds (if any), receipts, pricing, taxes, and compliance disclosures to your customers.

10. Business and Dispute Risks

Customer disputes are solely between you and your customers. The Service does not provide dispute resolution, chargebacks, escrow, or mediation. You are responsible for providing customer support, refunds (if any), receipts, pricing, taxes, and compliance disclosures to your customers.

11. No Warranties; Limitation of Liability Reminder

The Service is provided “AS IS” and “AS AVAILABLE.” The Company does not guarantee that the Service will be uninterrupted or error-free, or that it will display accurate or timely transaction status information. To the maximum extent permitted by law, the Company is not liable for losses arising from blockchain network events, stablecoin issuer actions, user error, or third-party service failures.

11. No Warranties; Limitation of Liability Reminder

The Service is provided “AS IS” and “AS AVAILABLE.” The Company does not guarantee that the Service will be uninterrupted or error-free, or that it will display accurate or timely transaction status information. To the maximum extent permitted by law, the Company is not liable for losses arising from blockchain network events, stablecoin issuer actions, user error, or third-party service failures.

11. No Warranties; Limitation of Liability Reminder

The Service is provided “AS IS” and “AS AVAILABLE.” The Company does not guarantee that the Service will be uninterrupted or error-free, or that it will display accurate or timely transaction status information. To the maximum extent permitted by law, the Company is not liable for losses arising from blockchain network events, stablecoin issuer actions, user error, or third-party service failures.

12. Acknowledgment

By using Wino Pay, you acknowledge that you have read this Risk Disclosure and that you understand and accept the risks described above.

12. Acknowledgment

By using Wino Pay, you acknowledge that you have read this Risk Disclosure and that you understand and accept the risks described above.

12. Acknowledgment

By using Wino Pay, you acknowledge that you have read this Risk Disclosure and that you understand and accept the risks described above.

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