What can go wrong.
Regulated does not mean risk‑free. These are the risks we think a holder should understand before using Olbra, stated without softening.
Risks that apply to the tokens
Issuer failure
Reserves are safeguarded and should not be available to our creditors, but insolvency is disruptive. Recovering funds could take time and is not guaranteed to return the full amount.
No deposit guarantee
If safeguarding fails or is successfully challenged, no state scheme stands behind your balance. This is the single most important difference from a bank account.
Reserve and custody risk
Reserves are held with third parties. A failure at a reserve bank or custodian could affect the backing, even though the assets are held for you rather than for us.
Technology and key risk
Tokens live on a public blockchain. A contract flaw, a chain‑level failure, or loss of the keys to a wallet you control can result in permanent loss. On‑chain transactions cannot be reversed.
Operational and financial‑crime controls
We are obliged to freeze or refuse transactions in defined circumstances — sanctions, suspected fraud, legal order. Access to your balance may be interrupted as a result.
Regulatory change
MiCA is new and supervisory practice is still forming. Rule changes could alter how the product works, where it can be offered, or the terms on which you hold it.
Risks specific to other products
Savings positions are not deposits
Where the app offers a savings position, it is not a deposit, carries no deposit‑guarantee cover, and your capital is at risk.
Tokenised assets move in price
Planned gold, silver and money‑market products would be asset‑referenced tokens, not e‑money. No redemption at par, and the underlying can fall in value.