Risk Disclosures

Irrevocability

Transactions sent via RTP, FedNow, or any blockchain rail (XRPL, Xahau, Solana) cannot be reversed, recalled, or disputed via chargeback once sent. Please verify all recipient details carefully before confirming a payment.

No FDIC / NCUA Insurance

Funds held or transferred on blockchain rails are not covered by FDIC or NCUA insurance. This coverage only applies to funds held at an insured depository institution; self-custodied wallet funds are never covered.

Non-Custodial Wallet Risk

If you control your own wallet (self-custody), you are solely responsible for securing your private keys or seed phrase. Lost keys mean permanently lost funds, with no recovery mechanism available.

Network Fee Variability

Blockchain rail transactions may incur network ("gas") fees that fluctuate based on network congestion. This is separate from and in addition to InstaPayIPX's platform fee.

Rail Availability

Not all recipient banks support every rail (e.g., RTP or FedNow). Availability depends on your recipient's financial institution and its participation in the selected network.

Compliance Holds

Transactions may be held or delayed pending compliance review, including identity verification, sanctions screening, or fraud checks. This is a designed safety feature, not a system malfunction.