Disclaimers & risk disclosure

Nothing on the OneSphere platform is financial, investment, legal, or tax advice, and nothing should be relied upon as such.

You are responsible for your own decisions and should seek independent professional advice where appropriate.

Cryptoassets are volatile. Their value can fall as well as rise, and you may lose money. Crypto-linked spending exposes you to price movements and conversion timing.

Cryptoassets may not be suitable for all users. Consider whether they are appropriate for your circumstances.

Crypto-backed borrowing involves risk. If the value of your collateral falls, you may be required to add more collateral or repay part of your loan. If you do not act within the required timeframe, some or all of your collateral may be sold to reduce or repay the loan.

APR, LTV, loan availability, collateral eligibility, card reward eligibility, repayment terms, fees, and liquidation thresholds may vary by customer profile, jurisdiction, collateral type, market conditions, and applicable programme terms.

Submitting an enquiry or an application does not guarantee eligibility, approval, or card issuance.

Applications are subject to risk review, identity and business verification, jurisdictional eligibility, and OneSphere's approval criteria.

Card limits, conversion fees, rewards, and feature availability described on the platform may vary by card tier, customer profile, jurisdiction, risk assessment, and applicable programme terms.

Calculator outputs on the platform are estimates only and do not constitute a binding offer of credit. Final loan terms are provided before any loan is issued.

Where compound interest rewards or card-linked repayment rewards are referenced, eligibility is subject to product terms, exclusions, jurisdiction, verification, and approval, and rewards are not guaranteed.

Any reference to insurance coverage or independent audit on the platform is subject to the provider's terms, scope, and applicable jurisdictional requirements.

The platform is live and available to users. Product availability, verification requirements, card issuing, loan availability, support arrangements, and related services may vary by customer profile, jurisdiction, risk assessment, operational requirements, and applicable programme terms.