Risk disclaimer

Nothing here is advice

banker.tools publishes information. It does not advise, recommend, solicit or endorse. No figure, chart, estimate or sentence on this site is financial, investment, legal, tax or accounting advice, and none of it is a suggestion that you buy, sell or hold anything.

We do not know who you are, what you own, what you can afford to lose or what rules apply where you live. Nothing here has been assessed for suitability for you, because that is not something a website can do. If you want advice, get it from someone qualified and accountable.

We are not the protocol

banker.tools is independent. It is not affiliated with, endorsed by, operated by or speaking for Standard Reserve or any other protocol, token, exchange or wallet named on this site. We read public contracts from the outside, exactly as you can. We cannot change how they behave, we are not told in advance when they change, and we have no special knowledge of anyone's plans.

The figures can be wrong

Every number here is read from a public blockchain or a public price source and then interpreted by our code. Both steps can fail, and they fail in ways that are not obvious on screen:

• A node can refuse, time out, or answer from a point in the past, so a figure that looks live may be minutes or hours old.
• A contract can be upgraded or replaced, and a reading taken from the old one will keep looking perfectly reasonable.
• A value can be labelled wrongly by us — the right number under the wrong heading is harder to spot than a missing one.
• Prices come from a market that moves between reads, and are quoted before trading tax, pool fees, slippage and gas. A quoted price is not a fill.

Verify anything that matters against the chain itself before you act on it. We publish which contracts we read so you can. The contracts page lists every one of them. If this site and the chain disagree, the chain is right.

Projections are assumptions, not forecasts

Anywhere this site says how long something takes to pay for itself, or what it earns over a year, it is doing arithmetic on today's conditions and carrying them forward. Those conditions will not hold. Issuance is split across every open branch, so every branch anyone opens reduces the rate for everyone, including yours. The price moves. Fees move. Rules can change.

Read a payback period as a ceiling on how good it could look, not as a plan. Past performance of anything shown here tells you nothing about what happens next.

What you can lose

Digital assets are volatile and can lose all of their value, quickly and permanently. In addition to price, you are exposed to:

• Smart contract risk. Code can contain faults. An audit reduces that risk and does not remove it. Some of the contracts involved here have not been audited at all.
• Liquidity risk. Being able to see a price is not the same as being able to sell at it. A thin pool moves against you as you exit, and may not absorb your position at any acceptable price.
• Exit costs. Withdrawal fees, trading taxes, pool fees, slippage and gas all come off the headline figure. The gap between gross and net on this site is often large, and the withdrawal fee rises as more people exit at once — exactly when you are most likely to want to.
• Dilution. A rate that is attractive today falls as the system expands, by design.
• Governance and admin risk. Parameters can be changed by whoever holds the right to change them, including ones this site describes as if they were fixed.
• Deadlines. A Charter left inactive can be reported and closed by anyone. The countdowns here are a convenience, not a guarantee, and you should not rely on this site to remind you.
• Your own mistakes. A transaction sent to the wrong place, a permission signed without reading it, or a lost key cannot be undone by anyone.

Only commit what you can afford to lose entirely, and assume that losing it is a possible outcome rather than an unlucky one.

Limit orders specifically

An armed order is a narrow permission you signed in your own wallet, enforced by public contracts rather than by us. We cannot widen it, we never hold your keys, and you can cancel it. What we cannot promise is that it works:

• An auction may never reach your price, or may sell out before it does.
• Our software may be down, delayed, or wrong when your price arrives.
• A transaction may fail on chain for reasons no one controls, and gas spent on a failed transaction is gone.
• An order that does fill buys at the price the auction charges at that moment, which is the ceiling you set at worst, and is a real purchase with real consequences.

The documentation explains what an order can and cannot do and how to verify each claim yourself. Read it before arming one, not after.

Where you are

Rules on digital assets differ enormously between countries and change often. We make no claim that this site, the protocol it describes, or any activity discussed here is lawful or available where you are. Checking that, and meeting any tax or reporting obligation that follows, is your responsibility.

Availability

This site is provided as it is, when it happens to be up, with no promise of accuracy or availability. It can change or disappear without notice. Orders you have already signed remain enforced and cancellable through the public contracts holding them, whatever happens to us.

In one sentence

Treat everything here as a starting point for your own research, verify it on chain, and accept that you are the only person responsible for what you decide to do.

The full terms are on the terms of use page, and what we store is on the privacy page.