Risk Disclosure

Effective June 16, 2026

Allocating cryptocurrency to yield-generating strategies carries substantial risk. You can lose some or all of the funds you allocate. Read this disclosure in full before allocating any amount, and only allocate what you can afford to lose.

springb2 does not guarantee any return, the security of any underlying protocol, the solvency of any counterparty, or the availability of any strategy. Indicative APYs are forward- looking estimates and not promises. Past performance is not indicative of future results.

1. Loss of principal

springb2 strategies route funds through a combination of institutional lending desks, custody venues, and on-chain protocols. Each of these can fail. When they fail, the underlying capital — including yours — can be impaired or lost. There is no deposit-insurance backstop, no investor-protection scheme, and no guarantor of last resort.

2. Market risk

The price of every asset springb2 supports — Bitcoin, Ether, Solana, USDC, USDT — can move sharply in either direction. Stable-value tokens are not legally guaranteed to hold their peg and have de-pegged historically (TerraUSD in 2022; USDC briefly below $0.90 during the Silicon Valley Bank failure in March 2023). Yield earned in-kind is exposed to the same price risk as the underlying asset.

3. Counterparty and custodial risk

Strategies may deposit funds with third-party trading venues, lending desks, OTC counterparties, qualified custodians, or prime-brokerage platforms. The failure of any such counterparty — through insolvency, fraud, hack, regulatory enforcement, operational error, or denial of service — can result in partial or total loss of the funds springb2 has placed with them, and by extension yours. We work only with counterparties that meet our diligence standards, but no diligence eliminates this risk.

4. Smart-contract and protocol risk

Strategies that interact with smart contracts are exposed to bugs, exploits, governance attacks, and malicious upgrades — even when contracts have been audited. Recent industry losses from protocol exploits regularly exceed nine figures. An exploit in any protocol springb2 uses can cause loss of funds with no recourse.

Cross-chain bridges, oracle systems, and multi-signature contracts are all in scope here. Bridge exploits in 2022 alone accounted for more than $2 billion in losses across the industry.

5. Liquidity risk and lockup

Funds in an active allocation are locked until the disclosed unlock date. There is no early withdrawal under any circumstance, including market drawdowns, your personal circumstances (employment changes, medical emergencies, divorce proceedings), regulatory developments, or platform-wide events. Plan accordingly. Do not allocate funds you may need before the unlock date.

6. Regulatory risk

Crypto regulation is evolving rapidly across every jurisdiction. New rules, executive actions, court rulings, or licensing requirements may restrict or prohibit access to certain strategies, certain jurisdictions, or the springb2 platform itself, sometimes on short notice. We may be required to suspend services, geographically block users, freeze funds pending review, or share account information with regulators and law enforcement.

The legal characterisation of yield products is unsettled. A future ruling that a springb2 strategy is an unregistered security, a banking product, or a swap could materially change how (or whether) we operate it.

7. Operational and platform risk

springb2 relies on third parties for hosting (Vercel), data storage, email delivery (Resend), chain RPCs (Alchemy and others), and price data (CoinGecko). Outages or failures at any of these vendors can degrade or interrupt the Service. We work to minimise this exposure, but we cannot guarantee uninterrupted availability.

Bugs in springb2's own software — including in deposit attribution, withdrawal processing, yield accounting, or chain reorganisation handling — can cause loss, delay, or misattribution. We test extensively and run a public bug-bounty program (see the security page ), but we cannot guarantee the absence of defects.

8. Chain-reorganisation risk

Probabilistic-finality blockchains (Bitcoin, Ethereum, Polygon, BNB Smart Chain, and others) can experience reorganisations that orphan previously-mined blocks. springb2 re-checks every detected deposit on each chain-watcher tick; deposits orphaned before crediting are rolled back automatically and the user is asked to re-confirm. Deposits orphaned after crediting trigger an operations review and may, in rare circumstances, require us to debit the credited balance to reflect the canonical chain state.

9. Cybersecurity and credential risk

Compromise of your password or email mailbox can result in unauthorised access to your account and unauthorised withdrawal to a whitelisted address. The 24-hour cooling period for new whitelisted addresses gives you a window to detect and respond, but it is not absolute protection. Maintain strong, unique credentials and keep your email account secure.

10. Tax risk

Yield earned through springb2 may be taxable as ordinary income, capital gains, or another category depending on your jurisdiction and personal circumstances. Tax treatment of crypto-asset transactions is an evolving area in many jurisdictions. springb2 does not provide tax advice. You are solely responsible for understanding and meeting your tax obligations and for any penalties or interest that result from non-compliance.

11. Sanctions and AML risk

Funds transferred to or from sanctioned addresses, mixers, or counterparties may be frozen, returned, or seized by springb2, our partners, or government authorities. This may result in permanent loss of the affected funds. Use springb2 only with addresses and counterparties that comply with applicable sanctions and anti-money-laundering law.

12. No deposit insurance

springb2 is not a bank, broker-dealer, money-market fund, or regulated investment company. Funds allocated through springb2 are not insured by the FDIC, SIPC, FSCS, FDIC, SIPC, CDIC, FSCS, FSCS Compensation Scheme, or any equivalent program. In the event of loss, you have no claim against any government insurance scheme.

13. Forward-looking statements

springb2's marketing materials and dashboard contain forward-looking statements about indicative APY, expected unlock timing, and strategy capacity. These are estimates based on assumptions about market and counterparty behaviour. Actual outcomes may differ materially. No statement on the platform constitutes a guarantee or a contractual commitment except as explicitly set out in our Terms of Service.

14. Informed consent

By allocating funds through springb2, you confirm that you have read this Risk Disclosure, that you understand each category of risk described above, that you have considered them in light of your own financial situation and risk tolerance, and that you accept full responsibility for the outcome of your allocations. If any part of this disclosure is unclear, do not allocate funds — contact us at support@springb2.com or speak with an independent financial advisor.