Risk Disclosure

This Risk Disclosure statement is provided to ensure that you understand the material risks associated with using Valta's services, holding digital assets, and interacting with blockchain-based financial infrastructure. Please read this document carefully before using the platform.

Last updated: February 2026

1. Cryptocurrency and Digital Asset Volatility

Digital assets, including cryptocurrencies, are subject to significant price volatility. The value of any digital asset can fluctuate dramatically within short periods due to market sentiment, macroeconomic conditions, regulatory developments, technological changes, and other factors beyond Valta's control.

• Past performance of any digital asset is not indicative of future results
• You may lose some or all of the value of digital assets held in your Valta wallet
• Valta does not guarantee the future value, liquidity, or market availability of any digital asset

2. USDC Stablecoin Risks

Valta wallets are denominated in USDC, a stablecoin issued by Circle Internet Financial, LLC. While USDC is designed to maintain a 1:1 peg with the US dollar, it carries specific risks:

• De-peg risk: USDC may temporarily or permanently lose its dollar peg due to market stress, reserve shortfalls, or loss of confidence in the issuer
• Reserve risk: The value of USDC depends on Circle maintaining adequate and liquid reserve assets. Changes in reserve composition, custody arrangements, or regulatory standing could affect redeemability
• Issuer risk: Circle could face insolvency, regulatory action, or operational failure, which may impair your ability to redeem USDC at par value
• Regulatory risk: Stablecoin regulations are evolving globally. New legislation could restrict the issuance, transfer, or holding of USDC in certain jurisdictions

Valta is not the issuer of USDC and has no control over Circle's reserve management, compliance, or operational decisions.

3. Smart Contract and Technology Risks

Valta's infrastructure relies on blockchain technology, smart contracts, and distributed systems. These technologies carry inherent risks:

• Smart contracts may contain bugs, vulnerabilities, or logic errors that could result in unintended loss of funds
• Blockchain networks may experience congestion, forks, or downtime that delays or prevents transaction processing
• Transactions on public blockchains are generally irreversible. Errors in wallet addresses or transaction parameters cannot be undone by Valta
• Upgrades or changes to underlying blockchain protocols could affect the functionality or security of Valta's services
• Cryptographic systems, while robust today, could be weakened by future advances in computing, including quantum computing

4. Regulatory and Legal Risks

The regulatory landscape for digital assets and fintech services is rapidly changing across jurisdictions:

• New laws or regulations may restrict, limit, or prohibit the use of digital asset wallets, stablecoins, or AI-agent financial services in your jurisdiction
• Valta may be required to modify, restrict, or discontinue services in certain regions due to regulatory requirements
• Tax treatment of digital asset transactions varies by jurisdiction and may change. You are solely responsible for understanding and complying with applicable tax obligations
• Regulatory enforcement actions against blockchain networks, stablecoin issuers, or service providers could indirectly affect your ability to use Valta

5. Loss of Access Risks

Access to your Valta account and associated wallets depends on maintaining your account credentials. You should be aware of the following:

• If you lose access to your account credentials and cannot recover them through Valta's account recovery process, you may permanently lose access to funds in your wallet
• Valta is not responsible for losses resulting from unauthorized access to your account caused by compromised credentials, phishing attacks, or failure to enable recommended security features
• API keys that are leaked or compromised could allow unauthorized parties to initiate transactions from your wallet or connected AI-agent accounts

6. Third-Party Risks

Valta integrates with and depends on third-party services, including but not limited to payment processors, blockchain networks, stablecoin issuers, and cloud infrastructure providers:

• Outages, security breaches, or failures at third-party providers may disrupt Valta's services or result in temporary inability to access or transfer funds
• Valta does not control the policies, practices, or operational decisions of third-party service providers and cannot guarantee their continued availability or reliability
• AI agents operating through Valta wallets may interact with external services and APIs. Valta is not responsible for the actions, errors, or failures of third-party services accessed by your AI agents
• Changes in the terms, pricing, or availability of third-party services may affect Valta's feature set or pricing

7. AI Agent-Specific Risks

Valta enables AI agents to autonomously hold and spend USDC. This introduces unique risks:

• AI agents may execute transactions based on programmatic logic that produces unexpected or unintended results
• Spending controls and limits are configurable by account holders, but misconfigurations could allow AI agents to exceed intended budgets
• You are responsible for the actions of AI agents operating under your Valta account, including any financial losses resulting from their autonomous decisions

8. No Investment Advice

Valta is a technology platform that provides wallet infrastructure and AI-agent spending tools. Nothing on this platform or in our communications constitutes financial, investment, legal, or tax advice. Specifically:

• Valta does not recommend, endorse, or advise on the purchase, sale, or holding of any digital asset
• Information provided on the platform, including transaction data, analytics, and market references, is for informational purposes only
• You should consult qualified financial, legal, and tax professionals before making decisions related to digital assets
• Valta makes no representations regarding the suitability of its services for your specific financial situation or objectives

9. Acknowledgement

By using Valta, you acknowledge that you have read and understood the risks described in this disclosure. You accept that digital asset services involve inherent risks, including the potential loss of funds, and that Valta cannot eliminate these risks. You agree to use Valta's services at your own risk and in accordance with applicable laws.