This Risk Disclosure describes the main risks of using Kudu. It isn't exhaustive and it isn't financial advice. Please read it — and our Terms of Service — before you transact.
1. Crypto-asset and stablecoin risk
- Volatility & total loss. Crypto-asset prices can move sharply and unpredictably. You may lose some or all of your funds.
- No compensation scheme. Unlike bank deposits, crypto-assets are typically not protected by a deposit-guarantee or investor-compensation scheme. If a provider fails, you may not get your assets back.
- Stablecoins can lose their peg. Stablecoins such as USDC or EURC aim to track a currency but are not guaranteed to. They can trade below their intended value, and their reserves and issuers carry their own risks.
- Complexity. Crypto-assets and the technology behind them can be hard to understand. Don't transact in something you don't understand.
2. Irreversibility and self-custody
Kudu is non-custodial: where you self-custody, you hold your own keys. That gives you control — and responsibility.
3. Currency exchange risk
Cross-border transfers involve converting between currencies. Exchange rates move, and the rate you receive may differ from rates you see elsewhere. The amount your recipient gets depends on the rate and fees applicable at the time of the transaction, which are shown before you confirm.
4. Transfer, network and availability risk
- Blockchain networks can be congested, delayed or temporarily unavailable, which can slow settlement.
- Cash-out depends on the availability of independent, licensed exchange bureaux in the destination country.
- Services are provided by licensed partners and may be changed, suspended or withdrawn, or may be unavailable in your country.
5. Escrow (KuduSafe™) risk
KuduSafe holds value on-chain until agreed conditions — including time-based conditions — are met. It executes automatically according to those conditions. You are responsible for agreeing appropriate release conditions and for the deal itself. Kudu operates the mechanism but does not decide the outcome or control the funds: it can assist and mediate, but it cannot redirect the escrow, and the release/refund rules and time-outs determine the result. Ultimate responsibility for delivering a deal rests with the seller.
6. Third-party and counterparty risk
Regulated services are delivered by independent partners (for example the on-ramp provider Transak, the payout partner MoneyGram, and independent exchange bureaux). Each carries its own operational and financial risk and is governed by its own terms. Kudu is not responsible for a third party's performance.
7. Fraud and scams
Fraudsters target money-movement apps. Protect yourself:
- Never share your PIN, password or recovery phrase — Kudu will never ask for them
- Be wary of anyone pressuring you to send money or "invest" for guaranteed returns
- Verify recipient details independently before you send
- If something feels wrong, stop and contact us via our contact form
8. Fair, clear and not misleading
We work to present Kudu honestly. Our communications, including marketing, are designed to be fair, clear and not misleading, consistent with applicable financial-promotion standards and MiCA marketing rules. We never promise guaranteed or risk-free returns — any such claim about crypto is a warning sign of a scam.
9. No advice
Nothing on Kudu or kudu.cash is investment, financial, legal or tax advice. Decisions are yours. If in doubt, seek independent professional advice.
10. Contact
Questions about the risks? Reach us via our contact form.