Risk disclosure

In short: you may lose some or all of the money you invest. Invest only what you can afford to lose, read the offering documents in full, and take independent legal, tax and financial advice first.

About this page

Kyvera (Private) Limited ("Kyvera") provides strategic advisory and coordination services for real-world asset tokenization. Kyvera does not issue tokens, hold client money or assets, or offer investments to the public. Where an investment is offered, it is offered by a licensed or authorized partner under its own offering documents, and those documents and their risk warnings take precedence over this page.

This page describes general risks. It is not a complete list, and it is not legal, tax, investment or Sharia advice. Nothing on this website is an offer to buy or sell any token or security.

Loss of capital

• The value of a tokenized asset can fall as well as rise, and you may get back less than you invested, or nothing.
• Income such as rent, yield or profit share is not guaranteed. It depends on how the underlying asset performs and can be reduced, delayed or stopped.
• Valuations of real estate, infrastructure and other real-world assets are estimates, and the price you can actually achieve may be lower.
• If the issuer, the holding company (SPV) or another party in the structure fails, you may lose part or all of your investment.
• Market forecasts and past performance, including those quoted on this website, are not a reliable guide to future results.

Limited liquidity

• Tokenization does not by itself create a market. There may be no buyer for your tokens when you want to sell, or only at a large discount.
• Transfers are often restricted to verified investors, to certain jurisdictions, or to set dealing windows, and lock-up periods may apply.
• A trading venue may suspend trading, delist a token or close.
• Selling the underlying asset, or redeeming tokens against it, can take months or years.

Legal and regulatory uncertainty

• Rules for tokenized assets are new, differ between jurisdictions and are changing. A change in law, regulation or regulatory approach can affect whether a token can be held, transferred or sold, and what it is worth.
• The legal link between a token and the rights it represents in the asset may not have been tested in court in every jurisdiction, and it may be hard to enforce across borders.
• A token may be treated as a security, a virtual asset or something else depending on where you are, with different investor protections. Some protections that apply to traditional investments may not apply.
• Tax treatment is uncertain, may change and depends on your own circumstances.
• Foreign-exchange rules and capital controls may limit moving money into or out of a country, or the currency the asset earns in may fall against your own.
• An offering may not be available to residents of your country. It is your responsibility to check that you are allowed to invest.

Technology risk

• Smart contracts can contain errors or be exploited, which can lead to the loss or freezing of tokens.
• If you lose the private keys or credentials to your wallet, or they are stolen, you may lose your tokens permanently, and transactions usually cannot be reversed.
• Blockchain networks can suffer outages, congestion, high fees, forks or attacks.
• Custodians, wallet providers, platforms and data feeds can fail, be hacked or stop operating.
• The record on the blockchain and the legal record of ownership, such as a land register, may not always match.

Other risks

• Asset risk: physical damage, poor management, vacancies, falling demand or disputes over title can reduce the value of the underlying asset.
• Third-party risk: a tokenization depends on many parties, including issuers, custodians, administrators, platforms and advisers, and any of them may fail to perform.
• Information risk: you may receive less information, or receive it less often, than for a listed investment.
• Sharia compliance: scholars can hold different views, and a structure reviewed as Sharia compliant may be viewed differently by others or after changes to the asset or the rules.

Before you invest

• Read the offering documents in full, including their risk factors.
• Check who the issuer is, who is licensed or authorized, and by which regulator.
• Understand how and when you can sell or redeem, and at what cost.
• Take independent legal, tax and financial advice.
• Invest only money you can afford to lose, and spread your risk.

See the Compliance page for how Kyvera approaches regulation. For questions about this page, contact us at info@kyvera.io.