Risk
What can go wrong
Read this before your first transfer rather than after it. None of it is boilerplate.
Transfers are final
A settled on-chain transfer can't be reversed by anyone. Not by you, not by us, not by the routing provider, not by a court order served on any of them. There's no chargeback, no dispute window, and no support action that undoes it.
That's a property of the chains rather than a policy we chose, and it's the most important difference between this and moving money through a bank or a centralised exchange.
The destination address is your responsibility
Funds go to the address you provide. If it's wrong, if it belongs to someone else, if it's on the wrong network, or if it's an exchange deposit address that doesn't accept the asset being delivered, the funds are gone and nobody can retrieve them.
Check the address twice, and check the destination chain matches. Pasting is safer than typing. Checking what you pasted is safer still, because malware that swaps the clipboard is common and it targets exactly this moment.
Rates move between the quote and the transaction
A quote reflects conditions at the moment it was produced. Between that moment and the confirmation of your deposit, rates, liquidity and network fees can all move, and the amount actually delivered can differ from the estimate.
The receipt shows what you should expect. It isn't a guarantee. Limits, minimums and route availability can also change while a transfer is being prepared.
Routing depends on other people
We don't operate the liquidity or the settlement. Transfers are routed through external providers, so an outage, a delay or a policy change at one of them affects transfers in progress. Some routes are unavailable in some jurisdictions for reasons the provider sets, not us.
The product is also in beta. It's used for real transfers with real money and it still has rough edges. Size your first transfer accordingly.
Public by default
No identity check doesn't mean no record. Both legs of every transfer settle on public blockchains, permanently and readably, and chain analysis on public addresses is routine. Privacy from an account system isn't anonymity on a ledger.