Risk disclosure

What can go wrong.

Regulated does not mean risk‑free. These are the risks we think a holder should understand before using Olbra, stated without softening.

Talk to us

Risks that apply to the tokens

Issuer failure

Reserves are safeguarded and should not be available to our creditors, but insolvency is disruptive. Recovering funds could take time and is not guaranteed to return the full amount.

No deposit guarantee

If safeguarding fails or is successfully challenged, no state scheme stands behind your balance. This is the single most important difference from a bank account.

Reserve and custody risk

Reserves are held with third parties. A failure at a reserve bank or custodian could affect the backing, even though the assets are held for you rather than for us.

Technology and key risk

Tokens live on a public blockchain. A contract flaw, a chain‑level failure, or loss of the keys to a wallet you control can result in permanent loss. On‑chain transactions cannot be reversed.

Operational and financial‑crime controls

We are obliged to freeze or refuse transactions in defined circumstances — sanctions, suspected fraud, legal order. Access to your balance may be interrupted as a result.

Regulatory change

MiCA is new and supervisory practice is still forming. Rule changes could alter how the product works, where it can be offered, or the terms on which you hold it.

Risks specific to other products

Savings positions are not deposits

Where the app offers a savings position, it is not a deposit, carries no deposit‑guarantee cover, and your capital is at risk.

Tokenised assets move in price

Planned gold, silver and money‑market products would be asset‑referenced tokens, not e‑money. No redemption at par, and the underlying can fall in value.

The hardest part is done. Build with us.

Institution, investor, regulator or journalist: one conversation starts it.

Talk to us