Crypto risk disclosure

Transactions are irreversible

Blockchain transactions are final and irreversible. Once a payment confirms on-chain it cannot be cancelled, reversed or charged back. If funds are sent to the wrong address, on the wrong network, or in the wrong amount, they may be permanently lost. Any return of funds is a separate transaction that the recipient must choose to send.

Routing and bridge risks

Routed payments move value across blockchains using third-party swap and bridge providers. These carry risks including route delays, bridge failures or pauses, price movement between quote and execution, and quote expiry. A route can stall or fail after a customer's funds have left their wallet, and recovery in that case depends on the third-party bridge, not on Apa. A routed payment that cannot complete is built to return the funds to the customer's source wallet and is marked failed or refund-required; because Apa is non-custodial it never holds the funds, and any remaining edge case is coordinated with the merchant rather than moved by Apa.

Price volatility

Crypto assets can change in value quickly and significantly. The value of an asset received may rise or fall between payment and the time you convert or spend it. Apa does not protect against, hedge or guarantee any value. Settling in a stablecoin reduces but does not eliminate this risk.

Wrong-network and address risk

If a customer pays on a network that the payment did not request, or to an incorrect address, the funds may not be recognised as payment and may be difficult or impossible to recover. You are responsible for the wallet addresses and networks you configure.

Apa is non-custodial

Apa is non-custodial. It never holds your funds or private keys and never takes custody of any asset. Direct payments move wallet-to-wallet, and routed payments transit third-party on-chain conversion contracts before settling to your own wallet on public blockchains — Apa never holds an intermediary balance. Because Apa does not hold funds, it cannot reverse, recover, freeze or refundany payment on your behalf. Crypto payments are final and chargeback-free — there are no fraud chargebacks, but refunds are the merchant's responsibility to send directly. Apa may flag a refund-required case but cannot reverse a settled payment.

Apa does not provide financial advice

Nothing provided by Apa is financial, investment, legal, accounting or tax advice. Apa is a software provider, not a bank, exchange, broker or adviser. You are responsible for your own decisions and for obtaining independent professional advice where appropriate.

Your acknowledgement

By using Apa you acknowledge that you understand these risks, that crypto payments may result in the total loss of funds, and that you accept full responsibility for your use of the Service.