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Legal

Risk Disclosure

The Vision Corporation Holdings Ltd (company number 16767315) provides access to digital-asset, fiat, custody, lending, exchange, and financial-technology services. These services involve various risks — including market, liquidity, custody, technological, regulatory, and operational risks. You should carefully consider whether these services are appropriate for your circumstances and only commit funds you can afford to lose. We act as an agent and distributor under regulated partners. We do not directly hold an EMI or VASP licence. All regulated financial and crypto services are delivered through our licensed partner institutions. Product availability varies by jurisdiction.

Document type
Risk Disclosure
Version
v1.0
Effective
12 July 2026
Owner
Risk & Compliance Department
Review frequency
Annual
Overview

Key risks at a glance

Value can fall

Digital assets can lose significant value, sometimes rapidly and without warning.

Irreversible transfers

Blockchain transactions may be irreversible once broadcast to the network.

Liquidation risk

Lending and margin products involve collateral liquidation risk if prices move against you.

Availability may change

Regulatory and compliance requirements may restrict features in your jurisdiction.

Third-party dependencies

Banking, custody, and technology providers can affect service availability.

No guaranteed returns

Yields, rewards, and rates are indicative and are not guaranteed.

Section

01

General Risk

No financial service is risk-free. Products differ in structure, liquidity, and legal treatment, and the level of risk you take depends on the product, the market, and your own circumstances.

Read this disclosure carefully, review each product's specific terms, and only use services you understand.

  • Different products carry different risks
  • Historical performance is not a guide to future performance
  • You are responsible for assessing suitability for your circumstances

Section

02

Digital Asset Market Risk

Digital-asset prices are highly volatile. Values can fall as well as rise, sometimes sharply, and assets can become illiquid or lose their value entirely.

  • Extreme volatility, including intraday price gaps
  • Rapid changes in liquidity and market depth
  • Shifts in market sentiment driven by news or on-chain events
  • Past performance is not indicative of future results

Section

03

Liquidity Risk

Liquidity refers to how easily an asset can be bought or sold without materially affecting its price. Liquidity conditions can change quickly and without notice.

  • Some assets may become difficult or impossible to sell
  • Market depth can change during volatility or off-hours
  • Executed prices may differ from displayed prices due to slippage
  • Withdrawal or unbonding delays may apply to certain products

Section

04

Custody Risk

Although The Vision Bank operates segregated custody with key-management controls, no custodial system can be guaranteed against compromise, insider risk, or external attack.

  • Key-management and cryptographic controls
  • Operational controls including approvals and segregation of duties
  • Access risks from employees, contractors, or attackers
  • Third-party custody dependencies where applicable

Section

05

Private Key & Blockchain Risk

On-chain transfers are executed by the network and, once confirmed, generally cannot be reversed. Errors by users or infrastructure can lead to permanent loss.

  • Lost credentials or authentication factors
  • Incorrect destination addresses
  • Network-selection mistakes (sending on the wrong chain)
  • Irreversible transfers once broadcast
  • Network reorganisations, forks, and validator failures

Section

06

Smart Contract Risk

Some services depend on smart contracts and on-chain protocols. Code defects, exploits, or governance actions can affect funds or availability.

  • Protocol bugs and undiscovered vulnerabilities
  • Exploits targeting specific contracts or bridges
  • Governance changes that alter parameters or behaviour
  • Dependency failures in oracles, relayers, or bridges

Section

07

Stablecoin Risk

Stablecoins are digital assets designed to track a reference value, typically a fiat currency. They are not guaranteed to hold that value, and the mechanisms behind them vary considerably.

  • Peg deviations, including sustained or terminal de-pegs
  • Issuer credit and operational risk
  • Assumptions about the composition and audit of reserves
  • Redemption limitations, freezes, or blacklisting

Section

08

Lending Risk

Collateralised lending exposes borrowers and lenders to the price of the underlying collateral, interest costs, and the mechanics of liquidation.

  • Collateral volatility can trigger margin calls or liquidation
  • Margin requirements may change based on market conditions
  • Liquidation may occur wholly or partially and without notice
  • Borrowers remain obligated for outstanding interest and fees
RelatedLending

Section

09

Earn & Yield Risk

Earn and yield products expose you to the underlying strategy, counterparties, and any protocols involved. Yields are indicative rather than guaranteed.

  • Counterparty and issuer risk
  • Protocol dependency, including slashing or pausing
  • Reward changes driven by market or governance events
  • Lock-ups, unbonding periods, or withdrawal restrictions

Section

10

Exchange Risk

Executing trades on any venue involves risk from market conditions, connectivity, and available liquidity at the moment of execution.

  • Price slippage between quote and execution
  • Changing liquidity conditions and thin order books
  • Temporary trading interruptions or maintenance windows
  • Elevated volatility around news, unlocks, or macro events

Section

11

Fiat Banking Risk

Fiat rails — including IBAN, SEPA, SWIFT, and card networks — depend on third-party banks and processors. Payments may be delayed, returned, or held pending compliance review.

  • Banking partners and correspondent networks
  • Payment processors and card networks
  • Settlement delays across cut-offs, weekends, and holidays

Section

12

Regulatory Risk

Laws governing digital assets and financial services are evolving and may change abruptly. New rules can restrict access, force liquidation, or alter tax treatment in your jurisdiction.

  • Jurisdictional changes affecting products or eligibility
  • Product restrictions, thresholds, or classifications
  • Licensing changes affecting availability or features

Section

13

Compliance Restrictions Risk

Accounts and transactions may be restricted, delayed, or reversed as a result of legal, AML, or sanctions obligations. These restrictions may apply without prior notice.

  • AML obligations, including due-diligence reviews
  • Sanctions requirements affecting parties or counterparties
  • Legal requests from regulators or law enforcement

Section

14

Operational Risk

Service interruptions, third-party outages, or maintenance windows can prevent timely deposits, withdrawals, or trades. Human error and process gaps may also cause disruption.

  • System failures and unplanned outages
  • Human error in operational processes
  • Third-party outages and infrastructure degradation
  • Scheduled maintenance windows

Section

15

Cybersecurity Risk

Phishing, SIM-swap, and credential-theft attacks target account holders directly. You share responsibility for protecting your account.

  • Social engineering, phishing, and impersonation sites
  • Malware and compromised devices
  • Account takeover through credential reuse
  • Recommended controls: unique passwords, hardware-backed 2FA, verified withdrawal addresses
RelatedSecurity

Section

16

Third-Party Provider Risk

The Vision Bank depends on external providers to deliver services. Their operational, financial, or regulatory issues can affect availability.

  • Banking and payment providers
  • Custody and infrastructure providers
  • Technology and cloud providers
  • Blockchain infrastructure and node providers

Section

17

Tax Risk

You are responsible for determining and meeting your tax obligations. The Vision Bank does not provide tax advice.

  • Tax rules vary by jurisdiction and product
  • Reporting obligations may apply to individuals and businesses
  • Seek qualified professional advice where appropriate

Section

18

Data Privacy Risk

Financial services require the handling of personal data. Data protection depends on both our controls and your own security practices.

  • Personal data handling in line with our Privacy Policy
  • Security controls applied throughout the service
  • User responsibilities for device, credential, and account security

Section

19

Card Risk

Card products are subject to scheme rules and merchant behaviour. Some scenarios can result in reversals, disputes, or reduced availability.

  • Merchant disputes and chargeback processes
  • Network and scheme rule changes
  • Transaction reversals or holds
  • Availability limitations by merchant, country, or category

Section

20

Force Majeure

Some events fall outside our control and may disrupt services despite our operational-resilience arrangements.

  • Natural disasters and extreme weather
  • Critical infrastructure failures
  • Government actions, embargoes, or emergency measures
  • Major blockchain-network events, halts, or attacks
Products

Product-specific warnings

Crypto Assets

High volatility, no guaranteed value, potential loss of capital. Only commit funds you can afford to lose.

Lending

Collateral may be liquidated wholly or partially. Interest and fee obligations apply regardless of market direction.

Earn

Yields are indicative and can change. Lock-ups, unbonding periods, and protocol events may delay or reduce returns.

Checklist

Before using our services

  • Understand the product before using it
  • Review fees and any spread or slippage
  • Understand the risks that apply to the product
  • Secure your account with strong, unique credentials and hardware-backed 2FA
  • Maintain accurate personal and business information
  • Consider professional financial, legal, or tax advice where appropriate
Contact

Questions about risk

This disclosure is informational and does not constitute financial, legal, or tax advice. For clarifications, contact Risk & Compliance or use the support portal in your account.

Questions

Talk to compliance.

This document is informational and does not constitute legal advice. For clarifications, email compliance@thevisionbank.io or open a ticket from your account.