Risk disclosure

Suward is a payment processing service for businesses. It is not a bank, an exchange, an investment service, or a custodial wallet for consumers, and balances held on Suward are not deposits, are not insured, and do not earn interest.

Cryptocurrency prices move, sometimes sharply, in the time between a customer opening a checkout and a payment settling. Suward quotes the exact amount due at payment creation and locks that quoted price at that moment, so a payment's own terms do not move once it exists — but if you price your products by converting from a fiat reference, that conversion is exposed to the same volatility, and managing it is your decision, not Suward's.

On-chain transfers cannot be reversed once the network has confirmed them. There is no chargeback mechanism the way card networks have one — funds sent to the wrong address are gone for good, and neither Suward nor a network operator can retrieve them. This is a property of the underlying blockchain, not a Suward policy choice.

Every deposit address is scoped to specific networks and assets. Sending an asset an address was not configured to accept, or sending on the wrong network, can result in funds that are difficult or impossible to recover — a Static Wallet deposit in a non-allowed asset is recorded as ignored and never credited. Confirm the asset and network before sending funds, every time.

Every on-chain transfer, in and out, carries a network fee set by the blockchain itself, not by Suward — it varies by network and by how busy that network is at the time. Suward quotes network fees before a payment is confirmed and before a withdrawal executes, but does not control what a given network charges from one moment to the next.

A blockchain can, in rare cases, rewrite its own recent history — a transfer that looked confirmed a moment ago gets undone. This is why Suward credits a payment only once it reaches Accepted (enough confirmations to be safe to act on) and treats it as final and withdrawable only at Success (irreversible). Crediting on the very first confirmation would expose you to funds that later disappear in a reorganization; the two-stage model exists to absorb that risk instead of passing it to you.

Every incoming transaction is screened for AML and sanctions exposure before it is credited, and this cannot be turned off. A transaction can be held while that review runs, or rejected if it fails — in the rejected case nothing is credited, and a Static Wallet deposit that had briefly shown as credited has that credit reversed. This is a compliance control, not a service outage, and Suward does not guarantee a hold resolves within any particular time.

Nothing on Suward's website, in its documentation, or in communications from its team is investment, legal, or tax advice. Accepting cryptocurrency has tax and accounting consequences that depend on your business and your jurisdiction — get advice from your own professionals before relying on any figure Suward reports.

You choose which assets to accept, how to price them, and whether to pass network or service fees to your customer. You are responsible for those choices and for reconciling what your business receives against what your customers see, using the amounts Suward reports rather than assumptions.

We may update this disclosure as the product or the risks it describes change; material changes are announced on this page and, for account holders, through the dashboard or by email.