Risk Disclosure

Please read this first

Using Huzra involves risks. This page explains the main ones in plain language. It is not a complete list, and it is not financial, legal or tax advice.

Huzra is not a bank

Huzra is a payment service, not a bank. Your Huzra balance is not a bank deposit, does not earn interest and is not covered by any deposit insurance scheme.

Price risk

• Crypto prices move. The value of USDT and other digital assets can change quickly. USDT aims to track the US dollar, but stablecoins have traded below their target before and could do so again.
• Exchange rates move. Outside the 15-minute rate lock, the rate you get can be better or worse than the rate you saw earlier.

Blockchain risk

• Transactions are irreversible. Once sent, crypto cannot be recalled by you or by us.
• Wrong network or address. Each order shows one network (for example TRON (TRC20) for USDT, or Solana for USDC). Funds sent on a different network or to a wrong address may be lost permanently.
• Network delays and fees. Congestion or outages can delay confirmation. Network fees are set by the network.

Operational risk

• The Service may be paused, delayed or unavailable because of maintenance, rate-data outages, or problems at Telegram, banks or pickup networks.
• ATMs and stores may be out of cash, offline or have their own limits.
• Withdrawal codes expire and can be used by anyone who has them.
• Transfers abroad depend on intermediary banks, which can add delays and fees.

Security risk

Scammers impersonate payment services. Huzra administrators never message you first, ask for passwords or one-time codes, or ask you to pay into a personal wallet. If your Telegram account is compromised, someone else could act in your name. See Acceptable Use Policy for how to report problems.

Compliance risk

Transactions may be held, declined or frozen if they fail our checks or if an authority requires it. See the AML & KYC Policy.

Legal and regulatory risk

Laws on digital assets and money services differ by country and change over time. A change in the law could affect how, or whether, the Service can be provided to you. You are responsible for making sure that using the Service is legal where you live, and for any taxes that apply to you.

Your decision

Only exchange amounts you can afford to have delayed. If you are unsure whether the Service is right for you, ask us before you transact, or seek independent advice.