BANKTO
Optional Platform Tools - Not Core Institutional Services

Advanced Digital Asset Allocation Tools

Optional, user-directed tools for sophisticated participants seeking exposure to decentralized finance protocols. These tools are not part of Bankto's core institutional PayFi infrastructure.

Important Risk Disclosure

These tools involve significant risk, including potential loss of principal. DeFi protocols are experimental and may contain vulnerabilities. Past performance does not indicate future results. No guarantees, warranties, or promises of returns are provided. Users act at their own discretion and risk.

What Are Platform Tools?

Advanced, optional tools for users who wish to interact with decentralized finance protocols. These are NOT core institutional services and carry significant risk.

User-Directed Allocation

Users maintain full control and responsibility for allocation decisions. Bankto provides infrastructure access only and does not manage, advise, or guarantee outcomes.

Non-Custodial Architecture

Users retain custody of their assets at all times. Bankto does not hold, manage, or have access to user funds. All interactions are directly with underlying DeFi protocols.

Protocol Integration Layer

Bankto provides technical infrastructure for accessing third-party DeFi protocols. We do not control, audit, or guarantee the security or performance of these protocols.

Not Core Institutional Services

Platform Tools are separate from Bankto's core institutional PayFi infrastructure (payments, settlement, escrow, ATM network). They are optional, experimental features for sophisticated users only.

Protocol Categories

Access various DeFi protocol categories through Bankto's infrastructure layer. All interactions are user-directed and carry significant risk.

Lending Protocols

Access over-collateralized lending protocols such as Aave, Compound, and MakerDAO.

Risk: Smart contract vulnerabilities, liquidation risk, protocol governance changes.

Liquidity Protocols

Provide liquidity to decentralized exchanges like Uniswap V3 and Curve.

Risk: Impermanent loss, slippage, concentrated liquidity risks, smart contract exploits.

Yield Aggregators

Access automated strategy protocols like Yearn, Convex, and Beefy.

Risk: Complex strategy risks, multiple protocol dependencies, gas optimization failures.

Comprehensive Risk Disclosures

No Performance Guarantees: Bankto makes no representations, warranties, or promises regarding returns, performance, or outcomes from Platform Tools. Past performance does not indicate future results.

Smart Contract Risk: DeFi protocols are experimental and may contain bugs, vulnerabilities, or exploits. Users may lose some or all of their capital.

Protocol Risk: Third-party DeFi protocols may change parameters, pause operations, or suffer governance attacks. Bankto does not control these protocols.

Market Risk: Digital asset prices are highly volatile. Users may experience significant losses due to market movements, liquidations, or impermanent loss.

Regulatory Risk: DeFi protocols may face regulatory scrutiny or restrictions. Users are responsible for compliance with applicable laws.

No Investment Advice: Bankto does not provide investment advice, portfolio management, or financial planning services. Users act at their own discretion and risk.

Sophisticated Users Only: Platform Tools are intended for sophisticated participants who understand DeFi risks and can afford potential losses.

Separate from Core Services: Platform Tools are not part of Bankto's core institutional PayFi infrastructure (payments, settlement, escrow, ATM network). They are optional, experimental features.

Interested in Platform Tools?

Platform Tools are available to qualified, sophisticated participants who understand DeFi risks. Contact our team to learn more about access requirements and risk disclosures.

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