Risk Disclosure

Last updated: May 2026

Please read this Risk Disclosure carefully. It describes important risks associated with cryptoassets, blockchain transactions and provider-led crypto acquiring services accessible through or in connection with Nimera. It is not investment, legal, tax, accounting or regulatory advice.

This disclosure is provided by G7 Company LLC, a company registered in Georgia and operating Nimera (“Nimera”, “we”, “our” or “us”). It is a practical, non-exhaustive overview of significant risks that may arise when merchants, businesses, platforms, payers or other users interact with Nimera, provider-led crypto acquiring flows, third-party checkout, conversion, settlement, KYC/KYT, wallet screening or other provider-controlled services.

Important role clarification. The Company does not itself provide regulated virtual asset, payment, money remittance, exchange, brokerage, custody, wallet custody, settlement, acquiring, payment processing, banking or investment services. Regulated or risk-sensitive functions are performed by independent authorised, registered or licensed third-party providers under their own terms and regulatory permissions. The Company may provide software, API connectivity, onboarding support, technical integration, commercial coordination, dashboard, routing/orchestration and support functions only.

1. General cryptoasset risks

• Cryptoassets are speculative, highly volatile and may fall to zero. A payer, merchant or provider may suffer loss of value associated with a cryptoasset transaction or holding.
• Prices, conversion rates and quotes may change rapidly. Displayed rates may be indicative only and execution rates may differ due to volatility, spreads, slippage, liquidity, network delays, provider rules or market conditions.
• Market liquidity may disappear. Assets may become unsupported, suspended, delisted, illiquid or difficult to convert or settle.
• Cryptoassets are generally not legal tender, are not backed by a government or central bank and may not be covered by deposit insurance, investor compensation schemes or similar protections.
• Past performance, online promotion, popularity or community activity is not a reliable indicator of future value, liquidity, safety or legality.

2. Blockchain and transaction finality risks

• Blockchain transactions may be irreversible once broadcast or confirmed. Incorrect wallet addresses, networks, tags, memo fields or payment amounts may result in permanent loss.
• Networks may experience congestion, delays, forks, attacks, governance disputes, validator/miner issues, protocol bugs, replay attacks or changes that affect confirmation, value, asset support or settlement.
• Smart contracts may contain errors, vulnerabilities, malicious logic, admin keys or economic design weaknesses. Interacting with a smart contract may create unintended permissions or losses.
• Public blockchains may permanently reveal transaction data. Deletion or correction requests cannot remove data recorded on public ledgers.

3. Provider-led crypto acquiring risks

• Crypto acquiring flows available through Nimera are provider-led. The relevant third-party provider, not the Company, may operate checkout, wallet/address, conversion, transfer, screening, monitoring, settlement, refund/reversal and reporting functions.
• A provider may decline, delay, block, suspend, investigate or terminate transactions, merchant onboarding, settlement, supported assets or supported jurisdictions for compliance, fraud, sanctions, liquidity, operational, legal, technical or policy reasons.
• A provider may change fees, limits, supported assets, supported countries, onboarding requirements, settlement timelines, refund/reversal rules, transaction minimums/maximums or eligibility criteria without our control.
• A provider may experience outages, cyber incidents, insolvency, loss of banking/payment access, enforcement action, licence/registration restrictions or reputational issues that affect the availability or reliability of provider-controlled flows.
• Provider terms, risk disclosures, privacy notices and complaints procedures apply to provider-controlled services. We may coordinate support, but we do not control provider decisions or outcomes.

4. Settlement, refund and reconciliation risks

• Settlement to a merchant may depend on provider processing, blockchain confirmations, conversion, liquidity, compliance checks, banking/payment rails, supported settlement currency and provider rules.
• Settlement may be delayed, reduced by fees, blocked, reversed, adjusted or refused by a provider, bank, payment partner or competent authority.
• Overpayments, underpayments, expired invoices, duplicate payments, unsupported networks, unsupported assets, chargeback-like disputes, refund requests or failed conversions may be handled according to provider rules and may not be recoverable.
• The Company does not receive, hold, control, pool, convert, route or settle virtual assets or merchant/user funds unless it has obtained all required authorisations and updated its legal documents accordingly.

5. Legal, regulatory, sanctions and geographic risks

• The legal and regulatory treatment of cryptoassets, virtual asset services, payment services, acquiring, settlement, stablecoins, tax, reporting, sanctions and consumer protection varies by jurisdiction and may change quickly.
• Georgia, the National Bank of Georgia, other regulators, providers, banks or payment partners may restrict or prohibit certain virtual asset or payment-related activities, users, countries, assets, business categories, transaction flows or settlement models.
• You may be unable to use certain features if you are located in, resident in, incorporated in, controlled from, connected with or transacting with a restricted jurisdiction, sanctioned person, sanctioned entity, sanctioned wallet, high-risk counterparty or prohibited business.
• Compliance checks may require KYB/KYC/KYT, sanctions screening, PEP/adverse media screening, wallet screening, blockchain analytics, Travel Rule information, source of funds/source of wealth information or additional documentation.

6. Merchant and business model risks

• Merchants are responsible for their own products, services, customer disclosures, refunds, tax, accounting, consumer protection, licensing, sanctions and regulatory obligations.
• A merchant’s website, terms, privacy notice, refund policy, checkout wording or marketing must not mislead customers about who provides crypto acquiring, conversion, settlement or regulated services.
• High-risk, restricted or prohibited business models may require enhanced review or may be refused by us or by a provider.
• If a merchant changes its ownership, control, website, products, jurisdictions, settlement model or risk profile without notice, provider services may be suspended or terminated.

7. Fraud, scams, cybersecurity and operational risks

• Crypto markets and online payment flows are exposed to scams, phishing, fake support accounts, impersonation, malware, wallet-drainer attacks, clipboard attacks, ransomware, compromised devices and social engineering.
• APIs, dashboards, provider systems, cloud infrastructure, telecommunications networks, browsers, devices and interfaces may fail, be delayed, be unavailable, be compromised or display inaccurate information.
• API keys, credentials, dashboard access and integration secrets must be protected. Misuse or compromise may cause unauthorised activity, data exposure, operational disruption or loss.

8. Tax and accounting risks

Cryptoasset transactions and provider-led settlement may create tax, accounting, VAT, income, capital gains, reporting or audit obligations depending on jurisdiction and circumstances. Merchants and users are responsible for obtaining independent advice and complying with obligations applicable to them.

9. No guarantee and no advice

We do not guarantee price, liquidity, conversion, execution, access, asset support, provider approval, transaction completion, refund, reversal, recovery, compliance approval, settlement timing, legal treatment, tax outcome or continued availability of any feature. No information on Nimera should be treated as investment advice, legal advice or confirmation that an asset, provider, merchant, payer, business model or transaction is safe, lawful or suitable.

Questions may be submitted to support@nimera.io.