Understand the Risk.

Crypto Asset Risk Overview

Digital assets operate in markets that can differ materially from traditional financial markets. Prices may move quickly, liquidity can change unexpectedly and technological, regulatory and operational factors may affect the value or usability of a cryptocurrency.

A crypto-related loan may introduce additional risks because the transaction can involve digital assets, wallets, blockchain networks, collateral arrangements, conversion rates and other technology-dependent processes.

Cryptocurrency Market Volatility

Cryptocurrency prices can be highly volatile. The value of an asset can change significantly within a short period of time.

Factors that may influence cryptocurrency prices include market sentiment, supply and demand, technological developments, regulatory announcements, macroeconomic conditions, liquidity and events affecting individual blockchain networks.

Crypto Lending Risk

Borrowing against or receiving funds in digital assets can create risks that are different from those associated with conventional lending.

Collateral Risk

Where a loan requires cryptocurrency or another asset to be provided as collateral, the collateral arrangement can create additional financial risk.

The value of collateral may change after a loan is approved. Depending on the applicable agreement, changes in collateral value may trigger additional requirements or other contractual consequences.

Stablecoin Risk

Stablecoins are digital assets designed to maintain a value relative to a reference asset, such as a fiat currency. However, stablecoins are not necessarily risk-free.

A stablecoin may experience temporary or prolonged deviations from its intended reference value.

• Market conditions can affect the trading price.
• Issuer-related events may affect confidence or liquidity.
• Regulatory developments may affect availability.
• Blockchain network interruptions may affect transfers.
• Redemption and liquidity mechanisms may have limitations.

Liquidation & Enforcement Risk

Some crypto-backed lending arrangements may include provisions concerning collateral maintenance, liquidation, sale or other enforcement actions.

Whether such mechanisms apply to your loan depends on the specific agreement and product you accept.

If your agreement contains liquidation provisions, you should understand the circumstances that may trigger them, how collateral is valued and what fees or other consequences may apply.

Blockchain & Technology Risk

Cryptocurrency transactions depend on blockchain networks, wallets, software, internet connectivity and other technology.

Technology-related events may affect the speed, cost or availability of digital-asset transactions.

• Blockchain congestion may delay transactions.
• Network fees may change.
• Blockchain upgrades may affect functionality.
• Network outages or technical incidents may occur.
• Software vulnerabilities may create operational risks.
• Incorrect wallet addresses can result in irreversible transfers.

Cybersecurity & Wallet Risk

Digital assets can be targeted by phishing attacks, malware, account compromise, social engineering and other forms of cybercrime.

Customers are responsible for protecting their own account credentials and private wallet information.

Transaction & Transfer Risk

Cryptocurrency transactions are generally designed to be recorded on blockchain networks and may not be reversible once confirmed.

Before submitting a transaction, customers should carefully verify the wallet address, network, asset type and amount.

• Sending an asset through an unsupported network may cause loss of funds.
• Incorrect addresses may not be recoverable.
• Network congestion may delay confirmation.
• Transaction fees may change.

Regulatory & Legal Risk

Laws and regulations relating to cryptocurrencies, digital assets, lending, financial services, taxation and money transmission can change.

Regulatory requirements may differ between countries and jurisdictions and may affect whether particular products or services are available.

Super Loans may restrict or decline applications where required by applicable law, internal compliance requirements, product limitations or jurisdictional restrictions.

Tax Considerations

Cryptocurrency transactions and lending activities may have tax consequences depending on the customer's jurisdiction, transaction structure and individual circumstances.

Super Loans does not provide personal tax advice. Customers should consult an appropriately qualified tax professional regarding their own circumstances.

Digital Assets

Subject to the applicable product, jurisdiction and loan agreement, Super Loans may support certain digital assets.

No Guarantee of Value or Approval

Nothing on the Super Loans website should be interpreted as a guarantee that a cryptocurrency will increase in value, maintain its value or remain available.

Similarly, submitting an application does not guarantee approval, funding or any particular interest rate, loan amount or repayment term.

Final lending terms are subject to the applicable underwriting, verification, product and contractual requirements.

Customer Responsibility

Before accepting a crypto-related loan, customers should carefully evaluate whether the transaction is appropriate for their financial circumstances.

• Read the complete loan agreement before accepting it.
• Understand the repayment schedule and applicable fees.
• Understand any collateral requirements.
• Consider the effect of cryptocurrency price movements.
• Verify wallet addresses and supported blockchain networks.
• Protect passwords, authentication codes and wallet credentials.
• Seek independent professional advice where appropriate.

Questions About Risk?

If you have questions about a particular loan product, repayment obligation, supported digital asset or transaction process, contact Super Loans through our official communication channels before proceeding.