Legal
Risk Disclosures
Not a bank. Not FDIC insured.
Authentic Only is not a bank or credit union. Crypto assets held through the app are not deposits, are not insured by the FDIC, NCUA or any government agency, and are not guaranteed by anyone — unless explicitly held with a named, qualified custody partner (none today).
Crypto assets are volatile.
The value of XLM and other Stellar assets can fall rapidly, including to zero. Never hold more than you can afford to lose.
Transactions are irreversible.
Stellar payments settle in seconds and cannot be reversed. Sending to a wrong address, or omitting a required memo for an exchange, can permanently lose funds.
You control your keys — and the risk.
In non-custodial mode your secret key exists only on your devices. Losing your device and passcode without a backup means permanent loss of funds. We cannot recover keys.
Swaps execute against open markets.
Swap quotes come from the Stellar decentralized exchange. Prices can move between quote and execution; your slippage setting bounds, but does not eliminate, this risk. Quoted amounts are estimates, not guarantees.
Not investment advice.
Nothing in this app — including asset lists, quotes, or trust scores — is investment, legal, accounting, or tax advice.
Verification is not endorsement.
A verified badge means an identity check passed at a point in time. It does not guarantee that a person or business will act honestly. Always exercise judgment before sending money.
Feature availability varies by jurisdiction.
Swap, trading and fiat on/off-ramp features are gated by region and may be unavailable where you live. Fiat ramps are operated by independent regulated anchors under their own terms.