Risk Disclosure

This Risk Disclosure is published by Axente Swiss GmbH (“Axente”, “we”, “us”, “our”) and should be read together with our Terms of Use, Acceptable Use Policy, Privacy Policy, Cookies Policy, and any contractual documentation, onboarding materials, order forms, schedules, or service-specific terms made available to you.

This page provides general information about the nature of the services described on this website and the principal legal, operational, regulatory, counterparty, settlement, and digital asset-related risks that may arise in connection with such services.

This website and this Risk Disclosure are provided for general informational purposes only.

Nothing on this website or in this Risk Disclosure constitutes:

• an offer, solicitation, or recommendation;

• financial, investment, legal, tax, or accounting advice;

• a binding commitment to provide any service; or

• a representation that any service is available to any particular person, in any particular jurisdiction, or on any particular terms.

Any service described on this website is subject to separate contractual arrangements, internal approval, compliance review, Partner Provider availability, and applicable legal and regulatory restrictions.

Axente’s services are intended only for legal entities acting in the course of business.

This website is not directed at consumers, retail clients, or private individuals seeking personal financial services. Access to this website does not, by itself, create a client, fiduciary, advisory, banking, custody, payment, or contractual relationship.

A business relationship arises only if and when Axente expressly approves onboarding and the relevant contractual documentation is accepted or signed.

Axente Swiss GmbH acts as a Swiss financial intermediary for anti-money laundering purposes and is affiliated with a Swiss self-regulatory organisation (SRO, VQF).

Axente is not a bank and is not prudentially supervised by the Swiss Financial Market Supervisory Authority (FINMA).

Axente does not accept public deposits and does not provide deposit protection at Axente level.

The services described on this website do not constitute licensed banking, securities, portfolio management, investment management, or other regulated financial services unless expressly stated otherwise in writing.

Many services described on this website are provided wholly or partly through independent partner providers, including banks, payment service providers, acquirers, alternative payment method providers, liquidity providers, compliance vendors, and digital asset infrastructure providers (“Partner Providers”).

The legal structure, safeguarding model, settlement process, operational flow, and risk profile of a service may vary depending on the specific service and the Partner Providers involved.

Axente may onboard, use, replace, suspend, or stop using Partner Providers where reasonably necessary for legal, compliance, security, operational, commercial, or risk reasons.

Funds, balances, settlement positions, account-like functionality, or ledger entries made available through Axente may be structured through Axente, partner banks, payment institutions, acquirers, digital asset infrastructure providers, or other Partner Providers depending on the relevant service model.

Accordingly:

• funds or balances shown through the platform may not constitute protected bank deposits with Axente;

• no Swiss depositor protection scheme applies at Axente level merely because a balance, ledger entry, payout entitlement, or transaction history is visible through the platform; and

• where funds are held through or with a Partner Provider, the legal treatment, safeguarding model, priority in insolvency, and any protection regime may depend on that provider, the contractual structure, the jurisdiction involved, and applicable law.

Corporate clients should not assume that any protection regime available to private bank depositors automatically applies to business balances, safeguarded funds, omnibus structures, segregated structures, or digital asset-related arrangements.

The website refers to multicurrency corporate accounts, cross-border payments, and account-like or dedicated business functionality.

These services may involve one or more of the following risks:

• payment delays, returns, reversals, or rejections;

• correspondent banking, intermediary bank, or payment-rail disruptions;

• cut-off times, business-day constraints, and local clearing limitations;

• currency-control, sanctions, or corridor restrictions;

• errors in beneficiary details, IBANs, account identifiers, or bank routing data;

• temporary or extended compliance holds;

• additional pass-through fees, lifting fees, investigation charges, or return costs;

• legal uncertainty or operational interruption in certain jurisdictions; and

• insolvency, suspension, de-risking, or offboarding by a banking or payments partner.

The existence of a dedicated IBAN, account reference, account view, or ledger view does not by itself determine the underlying legal nature of the funds or the client’s legal position in insolvency. That depends on the actual service structure and the applicable contractual and legal framework.

The website refers to e-commerce solutions, merchant processing, gateway or orchestration services, and merchant settlement services.

Merchant and payment-acceptance activities involve material risks, including:

• chargebacks, disputes, refunds, and fraud losses;

• rolling reserves, withholding, delayed settlement, or collateral requirements;

• acquirer or scheme monitoring, fines, remediation programs, or termination;

• higher fraud or refund rates in certain verticals, geographies, or sales models;

• website, checkout, API, or integration failures;

• settlement dependency on acquirers, PSPs, APM providers, processors, and sponsor banks;

• consumer-protection, marketing, card-scheme, and local-law compliance issues; and

• restrictions by acquirers, schemes, or PSPs on jurisdictions, sectors, products, or transaction patterns.

Approval at one point in time does not guarantee continued processing, settlement timing, reserve treatment, or long-term acquirer support.

The website refers to foreign exchange and conversion services.

FX and conversion services involve, among other things:

• market volatility and adverse price movements;

• execution risk between quote and settlement;

• spread, markup, or principal-dealing economics;

• liquidity constraints in certain currencies, corridors, or times of day;

• bank, liquidity-provider, or settlement-counterparty failure;

• cut-off-time, value-date, and settlement-risk mismatches; and

• re-pricing, cancellation, or alternative settlement in disruption scenarios.

Quotes may be indicative until accepted and may include spreads or mark-ups. Axente does not guarantee best execution, best price, or continuous availability of any particular rate, corridor, or size.

The website refers to digital asset on/off-ramp services and crypto-fiat conversion.

Digital assets and digital asset-related services involve significant risks, including:

• high or sudden price volatility;

• slippage, spread widening, or reduced liquidity;

• blockchain congestion, delayed confirmations, or failed settlement;

• irreversibility of transfers;

• loss arising from incorrect wallet addresses, incompatible networks, incorrect memo/tag information, or operational mistakes;

• protocol, validator, bridge, smart contract, or infrastructure failure;

• cyber incidents, theft, hacking, phishing, or private-key compromise;

• forks, airdrops, chain reorganisations, or other protocol events;

• token de-pegging, stablecoin structural risks, or issuer-related risks;

• rapid regulatory change affecting certain assets, wallet types, or service models; and

• counterparty exposure to exchanges, liquidity providers, hosted-wallet providers, or other digital asset infrastructure providers.

Digital asset services may be restricted, delayed, re-quoted, re-routed, or suspended for technical, compliance, sanctions, fraud, liquidity, legal, or risk reasons.

Unless Axente expressly agrees otherwise in writing, Axente does not provide custody of digital assets.

Clients remain responsible for:

• wallet selection;

• control of private keys or hosted-wallet access;

• correct address and network instructions;

• wallet ownership proof where required; and

• any counterparty information required under applicable AML, CTF, or Travel Rule requirements.

Descriptions such as “on/off-ramp”, “conversion”, “wallet”, “settlement”, “account”, or “dedicated account” do not by themselves determine whether a service is custodial, non-custodial, segregated, omnibus, on-balance-sheet, or off-balance-sheet. That depends on the actual legal and operational arrangement.

Axente may apply onboarding, screening, transaction monitoring, wallet verification, counterparty checks, source-of-funds review, Travel Rule controls, sanctions controls, and other compliance measures before or during any business relationship or transaction flow.

Accordingly, Axente may, where required or considered appropriate:

• request additional information or supporting documents;

• impose limits, reserves, or corridor restrictions;

• delay, reject, return, or block transactions;

• restrict wallet or counterparty usage;

• suspend or terminate platform access or services; and

• file legally required reports or notifications with competent bodies.

In some circumstances, law may restrict Axente from explaining specific compliance actions or from disclosing that a report, review, escalation, or hold has occurred.

Not all services are available in all jurisdictions.

Not all services are available in all jurisdictions.
Website access and service availability may be limited by local law, Swiss law, SRO requirements, Partner Provider rules, licensing constraints, corridor restrictions, sanctions rules, risk appetite, or technical availability.

Persons accessing the website from outside Switzerland are responsible for ensuring that such access and any related request for services is lawful in their own jurisdiction.

Nothing on this website is intended to market or make services available in a jurisdiction where doing so would be unlawful or would require a registration, filing, authorisation, or licence that has not been obtained.

The information on this website is general in nature.

Axente does not, through this website, provide investment advice, legal advice, tax advice, accounting advice, portfolio management, fiduciary advice, or personalised suitability assessments.

You remain solely responsible for evaluating whether any product, service, structure, corridor, asset, payment method, or business arrangement is appropriate for your own business, legal, tax, accounting, treasury, compliance, and risk circumstances.

You should obtain independent professional advice where appropriate.

Website content, platform availability, integrations, APIs, payment connectivity, and transaction-processing capability may change, be interrupted, or become unavailable without notice for legal, security, maintenance, Partner Provider, infrastructure, or operational reasons.

Axente does not guarantee uninterrupted website or platform access, uninterrupted service continuity, absence of technical errors, or ongoing availability of any specific function, rail, provider, asset, jurisdiction, or integration.

The website may contain links to third-party websites or references to third-party services. Axente does not control such third parties and is not responsible for their content, policies, acts, omissions, solvency, security, or service quality.

Axente may update this Risk Disclosure from time to time.

The current version published on the website is the relevant version for general website purposes unless separate contractual documentation provides otherwise.