CITY OF COINS – RISK DISCLOSURE

Effective Date: 21 August 2026

Website: https://www.cityofcoins.net/

Risk Disclosure Statement

This Risk Disclosure Statement (“Disclosure”) provides important information regarding the risks associated with using the non-custodial swap services, software, and routing interface accessible at City of Coins (the “Platform”).

Before accessing, using, or connecting an external cryptographic wallet to the Platform, you must read, understand, and accept the risks outlined below. Using digital assets involves substantial financial risk, and you should not trade or swap assets that you cannot afford to lose entirely.

1. Non-Custodial & Decentralized Architecture

• No Asset Custody: City of Coins operates strictly as a non-custodial interface. We do not hold, manage, control, or take custody of your funds, private keys, or digital assets at any time.
• User Responsibility: You maintain sole responsibility for the security of your private keys, seed phrases, hardware wallets, and web3 extension wallets. Any loss of control over your private keys or unauthorized access to your wallet is entirely your responsibility and cannot be recovered by City of Coins.

2. Cross-Chain & Third-Party Protocol Dependencies

• Third-Party Aggregation & Solvers: The Platform utilizes external third-party liquidity providers, cross-chain messaging bridges, and off-chain intent solvers (including, but not limited to, ChangeNOW and deBridge DLN) to route and execute transactions.
• Execution & Settlement Delay: Transactions spanning multiple distinct blockchain networks may experience execution delays due to network congestion, latency, block propagation time, or bridge liquidity shortages. City of Coins does not guarantee transaction execution speed or settlement completion times.
• External Smart Contract Vulnerabilities: Interacting with underlying third-party protocols, smart contracts, and decentralized bridges involves technical risk. City of Coins is not liable for vulnerabilities, exploits, hacks, or operational failures occurring within external underlying third-party smart contracts or blockchain ecosystems.

3. Market, Volatility & Price Risks

• Extreme Price Volatility: Cryptographic assets are subject to severe price fluctuations, rapid market swings, flash crashes, and potential total loss of market value.
• Slippage & Rates: Estimated swap rates shown on the Platform interface are dynamic and subject to slippage between transaction submission and final on-chain execution.
• Liquidity Constraints: Certain trading pairs or cross-chain routes may suffer from low liquidity, resulting in higher slippage, delayed execution, or unfilled swap requests.

4. Blockchain & Transaction Network Risks

• Irreversibility of Transactions: Transactions executed on a blockchain public ledger are inherently permanent and irreversible. City of Coins cannot reverse, modify, recall, or refund transactions once submitted to a network.
• Network Fees (Gas): All cross-chain and decentralized transactions require underlying network transaction fees (“Gas”). Network fee surges can lead to failed, stuck, or delayed transactions on the respective blockchain.
• Network Forks & Upgrades: Underlying blockchain networks may undergo planned software updates, contentious hard forks, or consensus failures that could temporarily interrupt service or alter asset functionality.

5. Regulatory & Compliance Risks

• Evolving Legal Landscape: Laws, regulations, and reporting requirements surrounding digital assets, non-custodial interfaces, cross-chain routing, and privacy-focused utility tools vary globally and evolve rapidly.
• Jurisdictional Restrictions: Changes in applicable laws, sanction frameworks, or local regulatory actions may restrict, alter, or render illegal your access to the Platform or specific supported crypto assets in your jurisdiction.

6. No Investment or Financial Advice

• Informational Purposes Only: Nothing contained on the Platform or within this Disclosure constitutes financial, legal, tax, or investment advice.
• Independent Evaluation: You are solely responsible for conducting your own due diligence regarding the suitability, legal status, and financial implications of any digital asset swap executed via the Platform.

By continuing to access and use City of Coins, you acknowledge that you have carefully read and fully understood the risks outlined in this Disclosure Statement and accept full financial and legal responsibility for your interactions with the Platform.