Risk Disclosure

1. Cryptocurrency Price Volatility

Cryptocurrencies are highly volatile and can experience significant price fluctuations in short periods. The value of your cryptocurrency holdings may increase or decrease substantially. Past performance does not guarantee future results.

2. Liquidity Risk

Some cryptocurrencies may have limited liquidity, making it difficult to buy or sell at desired prices. In extreme cases, it may not be possible to liquidate positions at all.

3. Technology Risks

• Blockchain network failures or forks
• Smart contract vulnerabilities
• Loss of private keys or wallet access
• Cyber attacks and hacking
• Network congestion and transaction delays

4. Regulatory Risk

Cryptocurrency regulations vary by jurisdiction and are subject to change. Regulatory actions could restrict or prohibit cryptocurrency usage, affect token values, or limit access to our services.

5. Fraud and Scams

The cryptocurrency space has instances of fraud, Ponzi schemes, and scams. Be vigilant and verify all transactions and communications. Never share your private keys or recovery phrases.

6. Tax Implications

Cryptocurrency transactions may have tax implications in your jurisdiction. Consult with a tax professional to understand your reporting obligations.

7. No Guarantee of Service

While we strive to provide reliable services, we cannot guarantee uninterrupted access. Services may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.

Acknowledgment

By using 3M Pay services, you acknowledge that you understand and accept the risks described in this disclosure. You should only invest what you can afford to lose.

Last updated: April 13, 2026