Risk Disclosures

Artisan lets you pay real bills from stablecoins you already hold. That involves real risk, and some of it can cost you money you cannot get back. Please read this before you use Artisan. It sits alongside our Terms of Service and Privacy Policy, and it does not replace them.

Artisan is not a bank

Artisan Cash Inc. is a software company, not a bank and not a money transmitter. Your balance is not a deposit. It is not insured by the FDIC, the NCUA, the SIPC, or any government agency. If Artisan were to fail, no deposit insurance scheme would make you whole.

You hold your own funds

Your wallet is self-custodial. You control it, and Artisan cannot move, freeze, or recover your funds for you. That protects you from us. It also means:

• If you lose access to your sign-in method and your recovery options, your funds may be permanently unrecoverable. Nobody can reset this for you.
• If you authorize a transaction, it is yours. We cannot reverse it because you changed your mind or made a mistake.

Blockchain transactions are irreversible

Once an on-chain transaction is confirmed, it cannot be undone, recalled, or charged back. Sending to a wrong or malicious address generally means the funds are gone. There is no equivalent of a bank reversal or a card chargeback on the blockchain leg of a payment.

Stablecoins can lose their peg

Artisan supports USDC, a stablecoin intended to hold a value of one US dollar. Intended is not guaranteed. A stablecoin can trade below its peg, and has done so historically across the industry, because of issuer problems, reserve problems, the failure of a bank holding those reserves, market stress, or loss of confidence. If that happens while you hold a balance, the dollar value of what you hold can fall, and a bill payment funded from it may cost you more than you expected or may fail.

You are also exposed to the issuer. Artisan does not issue USDC, does not hold its reserves, and cannot guarantee redemption.

Fraud and scams

Self-custody is a target. Common attacks include people impersonating Artisan support, fake recovery-phrase prompts, malicious links or approvals, SIM swaps, and pressure to move money quickly. Artisan will never ask for your recovery phrase, private keys, or one-time codes, and will never ask you to send funds to an address to verify, unlock, or protect your account. If someone asks, it is a scam. A payment you were tricked into authorizing is still irreversible.

Software, smart contract, and network risk

Artisan relies on software, smart contracts, and public blockchain networks that can contain bugs or be exploited, and that we do not control. Networks can congest, stall, or reorganize, which can delay or fail a payment. Network fees can rise. Audits and testing reduce risk; they do not eliminate it.

We depend on third parties

Converting between stablecoins and US dollars, moving money over bank rails, issuing cards, and verifying identity are performed by licensed third-party partners under their own licenses and their own terms. If a partner suspends service, fails, changes its terms, or declines a transaction, your payment can be delayed or blocked. Their involvement does not make Artisan responsible for their acts or omissions.

Payments can fail, and timing is not guaranteed

A bill payment moves through several parties before it reaches your biller. It can be delayed, rejected, or returned. Do not rely on Artisan for a payment that must arrive by a specific deadline, and do not wait until a due date. Late fees, interest, and any consequences of a missed payment remain yours. If a payment is returned, funds are sent back to your own bank account, which can take additional time.

Yield is not a savings account

If you opt in to an earn feature, it is self-directed and optional. Any rate shown is variable, is not a promise, and can change or go to zero. It is not interest paid by Artisan and it is not a deposit. Your capital is at risk, including from smart contract failure or the failure of an underlying protocol or counterparty, and you can lose some or all of what you deposit.

Regulation can change

Rules covering stablecoins, self-custodial wallets, and crypto-funded payments are still developing in the United States. A change in law, regulation, or a partner's policy could restrict, suspend, or end features, or change who can use them and where.

Availability and eligibility

Artisan is available only to US residents who are at least 18 years old and who complete identity verification. Availability can vary by state and by feature, based on our partners' licensing. We do not represent nationwide availability of every feature.

Taxes are your responsibility

Converting, spending, or otherwise disposing of a digital asset can be a taxable event, and using stablecoins to pay a bill generally is a disposition even where the gain is small or zero. Artisan does not provide tax advice and does not calculate or withhold tax for you. Keep your own records and speak to a qualified tax professional.

This is not advice

Nothing in Artisan or in this page is investment, financial, legal, or tax advice, and nothing here is a recommendation to buy, hold, or sell any asset. You are responsible for your own decisions. Only use funds you can afford to lose.

Questions

Ask us anything at team@artisan.cash. We would rather answer a question than have you find out the hard way.