If you send crypto to a wrong address, on the wrong network, from a compromised wallet, or as a result of being tricked — the funds are gone. TempoPay cannot bring them back, and neither can the blockchain.
Read this first
TempoPay is non-custodial multi-chain payment infrastructure. It does not hold your funds. It does not control the underlying blockchain. It does not insure any transaction. This page lists the main categories of risk you take on when you use the Service. It is not exhaustive.
Irreversibility
Once a transaction is signed by your wallet and confirmed on-chain, it is final. There is no "undo" button. There is no chargeback system, no merchant dispute flow, no compliance officer who can reach into the chain and reverse a transfer. This applies equally to correct, incorrect, accidental, and fraudulent transfers.
Wrong network and wrong asset
USDC on Solana is not the same asset as USDC on Base. ETH on Ethereum is not the same asset as ETH on Base, even though they share a ticker. Sending the wrong asset, or sending the right asset on the wrong network, can permanently lock funds. TempoPay displays the selected network and asset clearly, but it is your responsibility to verify every detail before signing.
Price volatility
Crypto assets can change value dramatically in short periods, sometimes within minutes. The fiat value of the amount you receive at settlement may differ materially from the fiat value at link creation. Even stablecoins, despite the name, are not guaranteed to stay at a fixed price (see Stablecoin depeg risk).
Self-custody risk
Self-custody puts the user in full control of funds. That control comes with full responsibility:
- Lose your seed phrase, lose your funds.
- Leak your seed phrase, lose your funds.
- Approve a malicious transaction, lose your funds.
No one — not TempoPay, not your wallet provider, not the blockchain itself — can recover a lost seed phrase or reverse a signed transaction on your behalf.
Wallet compromise
Browser-based wallets are as secure as the browser, device, and extensions they run inside. Malicious extensions, compromised devices, clipboard hijackers, rogue wallet forks, and fake wallet apps can all lead to total loss of funds. Hardware wallets help, but are not immune to user error or physical compromise.
Phishing and social engineering
Attackers routinely impersonate payment services, support agents, wallet vendors, and network teams. Common vectors include:
- Look-alike domains one character off from a real one.
- "Support" messages offering to help you recover funds.
- Fake airdrops, "bonus" claims, or urgent security alerts.
- Copied UI that asks you to paste a seed phrase or sign an unexpected transaction.
TempoPay support will never ask for your seed phrase, private key, password, or for access to your wallet.
Smart contract and protocol risk
The blockchains and token contracts supported by TempoPay are external systems with their own security assumptions and their own history of bugs, upgrades, reorgs and incidents. Smart contracts can contain vulnerabilities that are not visible at the time of use. A protocol you rely on today can change, pause, or fail tomorrow. TempoPay is not responsible for defects in the underlying chains or token contracts.
Congestion, fees, and failed transactions
Networks can become congested, driving up gas or priority fees and delaying confirmation. Transactions can fail for reasons including insufficient gas, slippage, block reorganization, or sudden network halt. Failed transactions may still incur fees. TempoPay does not control network behavior.
RPC and node reliability
To read chain state and broadcast transactions, the Service relies on third-party RPC endpoints. These endpoints can lag, cache stale data, return inconsistent views, or go offline. Verification of a payment may temporarily fail and then succeed as the network stabilizes. In some cases, UI state may be out of sync with actual chain state for short periods.
Stablecoin depeg risk
Stablecoins such as USDC are designed to track a reference asset. They have historically traded below peg during severe market stress, banking events, or issuer concerns. TempoPay does not issue, back, or redeem stablecoins. If the stablecoin you hold depegs, that is a risk of the stablecoin itself, not of TempoPay.
Regulatory and tax risk
Crypto regulation differs by jurisdiction and is evolving. The legal status of receiving crypto payments, converting them, or holding them may change with little notice. Tax treatment of crypto income, including in-kind payments, is your responsibility. You should consult a qualified professional where applicable.
Bridges and cross-chain flows
Moving assets between chains typically involves bridges, wrapped assets, or cross-chain messaging. These systems have historically been a source of high-impact exploits. TempoPay does not operate bridges. If you use one to fund or off-ramp crypto received through TempoPay, you are exposed to the risk of that specific bridge.
Service availability risk
The Service may go offline, degrade, or change at any time. Maintenance, incidents, infrastructure failures, or strategic decisions can all reduce or interrupt availability. Existing on-chain funds are not affected by TempoPay downtime, but link creation, verification, and console features may be temporarily unavailable.
Third-party provider risk
Wallet providers, node providers, hosting providers, and other third parties can each introduce their own failure modes: outages, data mishandling, policy changes, pricing changes, or security incidents. Their behavior is outside TempoPay's control.
Acknowledgment
By using TempoPay you acknowledge that you have read this Risk Disclosure, that you understand crypto transactions are final, that you accept the risks described here and any other risks associated with blockchain use, and that you agree to use the Service at your own risk.