VYCIN RISK DISCLOSURE STATEMENT

Company: Vyral, Inc. (Wyoming Corporation)
Effective Date: September 29, 2025 Last Updated: September 29, 2025

⚠️ CRITICAL WARNING - READ BEFORE PURCHASING VYCINS

THIS IS A HIGH-RISK PRODUCT. YOU COULD LOSE ALL YOUR MONEY.

By purchasing, receiving, or using VCoins (VYC), you are exposing yourself to significant financial risks. This document describes those risks in detail. You must read and understand this entire document before purchasing or using VCoins.

KEY WARNINGS:

🚨 VCoin is NOT an investment - Do not purchase expecting profit
🚨 You could lose everything - VCoins may become worthless
🚨 Extreme volatility - Price can change dramatically, instantly
🚨 No guarantees - No promises about value, liquidity, or platform survival
🚨 Regulatory uncertainty - Laws may change, affecting your VCoins
🚨 Technical risks - Smart contracts, blockchain, and platform failures possible
🚨 Only risk what you can afford to lose completely

IF YOU CANNOT AFFORD TO LOSE YOUR ENTIRE INVESTMENT, DO NOT PURCHASE VYCINS.

Introduction & Purpose
What VCoin Is (And Is NOT)
General Risk Warnings
Price & Market Risks
Platform & Operational Risks
Technical & Blockchain Risks
Regulatory & Legal Risks
Security Risks
Liquidity Risks
Tax & Reporting Risks
Third-Party Risks
Custody Risks
Specific Use Case Risks
Forward-Looking Statements
No Professional Advice
Required Acknowledgments

1. INTRODUCTION & PURPOSE

1.1 Purpose of This Document

This Risk Disclosure Statement ("Statement") describes the material risks associated with purchasing, holding, and using VCoins on the VYRAL platform. This is not a complete list of all possible risks, but it covers the most significant ones we have identified.

You Must:

Read this entire document carefully
Understand each risk described
Acknowledge that you understand and accept these risks
Make your own informed decision about using VCoins

We Are Not:

Recommending you purchase VCoins
Giving investment advice
Promising any particular outcome
Guaranteeing anything about VCoin's future

1.2 Who Should Read This

Everyone must read this before:

Purchasing VCoins with fiat currency
Receiving VCoins as payment or tips
Earning VCoins through platform activities
Withdrawing VCoins to external wallets
Trading VCoins on decentralized exchanges

Even if you're not "investing," these risks apply to anyone who holds or uses VCoins.

1.3 Legal Status

By acknowledging this Statement, you confirm:

You have read and understood all risks described
You accept these risks voluntarily
You will not hold VYRAL liable for losses from these risks
You understand VCoin may become worthless
You are purchasing/using VCoins at your own risk

This Statement is legally binding and part of the Terms of Service.

2. WHAT VYCIN IS (AND IS NOT)

2.1 What VCoin IS

VCoin is a utility token designed exclusively for use within the VYRAL platform:

✅ Digital currency for platform transactions
✅ Medium of exchange for tipping, subscriptions, marketplace
✅ Access token for premium features
✅ Reward mechanism for content creation
✅ Consumable digital good with no inherent value outside VYRAL

Technical Classification:

SPL Token-2022 on Solana blockchain
Fixed supply of 10 billion tokens
Utility token under Wyoming law (Title 34-29-101)
Intangible personal property

2.2 What VCoin IS NOT

VCoin is NOT:

❌ NOT a security or investment instrument

Not registered with SEC or any regulator
Not subject to securities law protections
Not evaluated or approved by any government agency
Not an equity interest in VYRAL

❌ NOT money or currency

Not legal tender
Not backed by any government
Not insured by FDIC or any agency
Not redeemable for fiat through VYRAL

❌ NOT a store of value

No promise of maintaining purchasing power
Not designed as savings vehicle
Not intended for long-term holding for appreciation
Not comparable to gold, dollars, or stable assets

❌ NOT guaranteed to maintain value

Value may fluctuate dramatically
May become worthless
No price floor or support mechanism (except DEX liquidity pool backing)
No buyback guarantee

❌ NOT an ownership interest

Does not represent equity in VYRAL
Provides no governance rights (centralized control maintained)
No claim to VYRAL's assets or profits
No voting rights on company decisions

❌ NOT a revenue-sharing mechanism

Holding VCoins does not entitle you to platform revenue
No dividends or distributions
No profit-sharing arrangement
Earnings from platform use ≠ investment returns

2.3 Intended Use

VCoin is intended ONLY for:

Tipping content creators on VYRAL
Purchasing subscriptions to creators
Buying goods/services in VYRAL marketplace
Accessing premium platform features
Engaging in platform economy

VCoin is NOT intended for:

Speculative trading or investment
Holding as inflation hedge or store of value
Retirement savings or long-term wealth building
Generating passive income or returns
Any use outside VYRAL platform ecosystem

If you purchase VCoins expecting profit from price appreciation, you are misunderstanding the product.

3. GENERAL RISK WARNINGS

3.1 Risk of Total Loss

YOU COULD LOSE ALL MONEY INVESTED IN VYCINS.

This is not hyperbole. VCoins could become completely worthless if:

VYRAL platform shuts down permanently
Regulatory action prohibits VCoin operation
Smart contract vulnerability is exploited
Market loses all confidence in VCoin
Technology becomes obsolete
Competition makes VYRAL irrelevant
Business model fails
Unforeseen catastrophic events occur

Historical Examples: Thousands of tokens and platforms have failed, leaving holders with worthless tokens. VYRAL and VCoin could suffer the same fate.

No Safety Net:

No FDIC insurance
No government bailout
No guaranteed buyer
No minimum value
No compensation for losses

3.2 High Volatility

VCoin's value may change dramatically and unpredictably.

Potential Volatility:

±50% price swings in single day
±90% price swings over weeks/months
Sudden crashes with no recovery
Extreme pump-and-dump cycles
Manipulation by large holders ("whales")
Flash crashes from technical issues

Causes of Volatility:

Low liquidity (small trades move price significantly)
Speculative trading (not fundamental value-driven)
Market sentiment and hype cycles
News and rumors (true or false)
Broader crypto market movements
Platform developments (good or bad)
Regulatory announcements
Whale manipulation
Smart contract events

Example Scenario: VCoin trades at $0.10 today. Tomorrow it could be $0.05 (50% loss) or $0.20 (100% gain). Next week it could be $0.01 (90% loss from today). These extreme moves are possible and have occurred in similar tokens.

3.3 Speculative Nature

VCoin's market price is driven primarily by speculation, not fundamental value.

What This Means:

Price reflects what people THINK it might be worth in future
Not based on rational valuation models
Subject to hype, fear, and manipulation
"Greater fool theory" - price depends on finding someone willing to pay more
Bubbles and crashes common in speculative markets

You Are Speculating If:

You purchase hoping price increases
You plan to sell at higher price for profit
You're influenced by hype or FOMO
You expect VCoin to "moon" or 10x
You're treating VCoin as investment

Remember: Speculation is high-risk gambling on future price movements. Most speculators lose money.

3.4 No Guarantees

We make ZERO guarantees about:

❌ VCoin price or value (up, down, or stable)
❌ Platform will continue operating
❌ You can withdraw or sell VCoins
❌ Liquidity will be available
❌ Features will remain unchanged
❌ Regulatory status will stay favorable
❌ Technology will work as intended
❌ Security against all threats
❌ VCoin will have any utility in future
❌ Any particular outcome whatsoever

Everything is subject to change, failure, or termination without notice or compensation.

3.5 Suitability

VCoins may NOT be suitable for you if:

🚫 You cannot afford to lose your investment completely
🚫 You need stable, predictable returns
🚫 You're saving for essential expenses (rent, medical, education)
🚫 You don't understand blockchain technology
🚫 You're risk-averse or investing conservatively
🚫 You're expecting guaranteed profits
🚫 You're under financial pressure or debt
🚫 You're investing money you'll need soon
🚫 You haven't consulted financial, legal, or tax advisors

Recommended User Profile:

Can afford complete loss of amount invested
Understands and accepts high risk
Has emergency savings separate from VCoin
Educated about cryptocurrency and blockchain
Making informed, voluntary decision
Treating VCoin as entertainment/utility, not investment

4. PRICE & MARKET RISKS

4.1 Price Volatility (Detailed)

VCoin's price could experience:

Extreme Daily Volatility:

10-50%+ price swings within 24 hours
Flash crashes (sudden, severe drops)
Flash pumps (sudden, unsustainable spikes)
Circuit breaker-worthy moves (if they existed)

Causes of Extreme Volatility:

Low liquidity (order book depth insufficient)
Large trades ("whale" activity)
Market manipulation (pump-and-dump schemes)
Bot trading and algorithms
News catalysts (platform updates, regulatory news)
Social media hype or FUD (fear, uncertainty, doubt)
Broader crypto market correlation
Technical issues (platform downtime, smart contract bugs)

Real-World Example: Token launches at $0.01. Within 24 hours it could:

Pump to $0.10 (10x) due to hype
Crash to $0.001 (90% loss) as hype fades
Stabilize at $0.02 (2x from launch)
Drop to $0 if platform fails

All scenarios have occurred in crypto markets.

4.2 Liquidity Risk

You may not be able to sell VCoins when you want, at any price.

Liquidity Problems:

Before DEX Launch:

No public market for VCoin
Can only use within VYRAL platform
Cannot easily convert to fiat
Must wait for DEX launch to trade freely

After DEX Launch:

Liquidity pool may be shallow
Large sells cause significant "slippage" (price impact)
In extreme scenarios, no buyers at any price
Orders may not fill
Wide bid-ask spreads

Slippage Example: You want to sell $10,000 worth of VCoins. Due to low liquidity:

First $1,000: Sells at $0.10
Next $3,000: Sells at $0.09 (10% worse)
Next $6,000: Sells at $0.07 (30% worse)
Result: Instead of $10,000, you receive ~$8,200 (18% loss from slippage alone)

Worst Case: No buyers exist at any price. Your VCoins cannot be sold. You're stuck holding worthless tokens.

4.3 Market Manipulation

VCoin market is susceptible to manipulation by large holders or coordinated groups.

Manipulation Tactics:

Pump-and-Dump:

Coordinated buying drives price up artificially
Late buyers enter due to FOMO
Early buyers sell at peak
Price crashes, leaving late buyers with losses

Wash Trading:

Same entity buying and selling to create fake volume
Makes market appear more active than it is
Misleads traders about liquidity

Spoofing:

Large orders placed and canceled to fake demand
Tricks algorithms and other traders
Manipulates price direction

Whale Manipulation:

Large holders ("whales") can move price dramatically
Single large sell order can crash price
Can prevent others from selling profitably

FUD Campaigns:

Spreading false negative information
Driving panic selling
Buying back at lower prices

You Have No Protection:

No market manipulation laws for VCoin (decentralized)
No trading halts or circuit breakers
No regulatory oversight of DEX trading
Limited recourse against manipulators

4.4 Correlation Risk

VCoin's price may correlate with broader cryptocurrency market.

What This Means:

When Bitcoin crashes, VCoin likely crashes harder
Crypto bear markets affect all tokens
"Alt season" pumps may not be sustained
Broader market sentiment drives VCoin sentiment

Example: Bitcoin drops 50% due to regulatory news. VCoin, despite no VYRAL-specific issues, may drop 70-90% due to:

Reduced crypto market liquidity
Risk-off sentiment
Investors exiting all crypto positions
Correlation trading by algorithms

You Cannot Diversify This Risk:

VCoin is crypto; cannot escape crypto risk
Diversifying into other tokens doesn't eliminate systemic crypto risk
Only diversifying outside crypto reduces exposure

4.5 Pump & Dump Schemes

VCoin could be targeted by pump-and-dump schemes.

How It Works:

Coordinated group accumulates VCoins at low price
Group promotes VCoin heavily (social media, influencers, fake news)
FOMO buyers drive price up 10x-100x
Group dumps holdings at peak
Price crashes 90%+, leaving late buyers with massive losses

Warning Signs:

Sudden unexplained price spikes
Coordinated social media campaigns
Promises of "guaranteed" gains
"Last chance" urgency messaging
Influencer promotions (often paid)
Private groups promising insider info

You Are Vulnerable:

These schemes are common in low-liquidity tokens
Very difficult to detect until too late
No regulatory protection
VYRAL cannot prevent this on DEX

Protection:

Don't buy based on hype or FOMO
Don't trust "insider" information
Don't chase rapid price increases
Understand you could be exit liquidity for manipulators

5. PLATFORM & OPERATIONAL RISKS

5.1 Platform Failure Risk

VYRAL platform could fail permanently, making VCoins worthless.

Failure Scenarios:

Business Failure:

Unable to attract/retain users
Revenue insufficient to cover costs
Competition wins market share
Product-market fit not achieved
Cannot raise additional funding
Result: Platform shuts down, VCoin utility disappears

Technical Failure:

Critical bugs cannot be fixed
Security breach destroys user confidence
Scalability issues prevent growth
Infrastructure costs become unsustainable
Result: Platform becomes unusable

Team Failure:

Key team members leave
Internal conflicts destroy company
Mismanagement of resources
Founder burnout or health issues
Result: No one to operate platform

Regulatory Shutdown:

Government orders platform closure
Cannot comply with new regulations
Prohibited from operating in key markets
Result: Forced shutdown

If VYRAL Fails:

VCoins become worthless (no utility)
No one obligated to buy VCoins
Blockchain records remain but tokens have no value
No compensation or refunds

Historical Precedent: Most startups fail (90% within 5 years). Most crypto projects fail. VYRAL could fail.

5.2 Platform Changes Risk

VYRAL may change features, fees, or economics, affecting VCoin value or utility.

Possible Changes:

Fee Increases:

Tip fee increases from 20% to 40%
Withdrawal fee increases from 2% to 5%
New fees introduced
Impact: VCoin becomes less valuable, less used

Feature Removal:

Marketplace discontinued
Tipping disabled
Premium features changed
Impact: VCoin utility decreases, value drops

Economic Changes:

Reward rates reduced
Deflationary burns stopped
Token supply increased (if mint authority reactivated, though currently disabled)
Impact: VCoin value affected

Policy Changes:

Terms of Service changes
New restrictions on VCoin use
Account termination policies changed
Impact: Your ability to use VCoins affected

Business Model Pivot:

VYRAL changes core business
VCoin no longer central to platform
New token introduced (VCoin deprecated)
Impact: VCoin becomes obsolete

Your Protections:

30 days notice for material changes (per Terms)
Can close account and withdraw VCoins (if possible)
But: Cannot prevent changes, cannot force VCoin value maintenance

5.3 Operational Disruptions

Platform may experience disruptions affecting your ability to access or use VCoins.

Types of Disruptions:

Technical Outages:

Server downtime (hours to days)
Database failures
Network issues
Software bugs
Impact: Cannot access VCoins, cannot transact, potential losses

Scheduled Maintenance:

Platform offline for upgrades
Limited functionality during migrations
Impact: Temporary inability to use VCoins

Capacity Issues:

Traffic overload during viral growth
Slow transaction processing
Failed transactions
Impact: Poor user experience, potential financial losses

Third-Party Failures:

Azure outage affects platform
Stripe payment processing down
Solana blockchain congestion
Impact: Platform unusable, cannot buy/sell/transfer VCoins

During Disruptions:

VCoins locked in platform (cannot withdraw)
Cannot access funds for hours/days/weeks
Potential price movements while locked out
No compensation for losses due to downtime

5.4 Centralization Risk

VYRAL operates as centralized platform, giving company significant control.

Centralization Means:

VYRAL Controls:

Your custodial VCoin balance
Platform access (can ban accounts)
Withdrawal approval (can delay or deny)
Feature availability
Policy and rule changes
Economic parameters (fees, rewards)

You Are Dependent On:

VYRAL's continued operation
VYRAL's good faith management
VYRAL's security measures
VYRAL's compliance with laws
VYRAL's financial viability

Risks of Centralization:

Single point of failure
Abuse of power possible
No decentralized governance (despite plans, not implemented)
Cannot operate independently of VYRAL
VCoins worthless without VYRAL platform

Mitigation (Partial):

Can withdraw VCoins to self-custody
Can trade on decentralized exchanges (post-DEX launch)
But: VCoins still require VYRAL platform for utility

5.5 Key Person Risk

VYRAL's success depends on key individuals (founders, developers, team).

Risks:

Founder(s) leave or pass away
Key developers quit
Team conflicts destroy company
Inability to hire/retain talent
Burnout or health issues

If Key People Leave:

Platform development may stop
Operations may deteriorate
User confidence may collapse
Result: Platform failure, VCoin value drops to zero

No Guarantee:

Key people may leave at any time
Vesting schedules don't guarantee retention
Successors may not exist or be competent

6. TECHNICAL & BLOCKCHAIN RISKS

6.1 Smart Contract Risk

VCoin is implemented as smart contract on Solana blockchain. Smart contracts can have bugs or be exploited.

Smart Contract Vulnerabilities:

Code Bugs:

Programming errors in VCoin contract
Logic flaws in token mechanics
Unexpected behavior in edge cases
Impact: Tokens could be lost, stolen, or frozen

Exploitation:

Hackers find and exploit vulnerabilities
Unlimited minting if controls fail (mint authority currently disabled, but bugs possible)
Unauthorized token burns
Theft of tokens from contract
Result: VCoins stolen or destroyed, value crashes

Immutability:

Smart contracts often cannot be updated
Bugs may be permanent
Fixes require deploying new contract (complex migration)
Impact: Cannot fix critical issues quickly

Historical Examples:

$600M+ stolen from smart contract bugs (Poly Network, 2021)
$320M stolen from Wormhole bridge (2022)
Countless smaller exploits

VCoin's Protection:

Security audits before launch (reduce but don't eliminate risk)
Bug bounty program (incentivizes responsible disclosure)
But: Zero-day exploits still possible
But: Audits don't guarantee security

If Exploit Occurs:

VCoins may be stolen or lost
Platform may shut down
VCoin value may drop to zero
No guarantee of recovery or compensation
No "undo" button on blockchain

6.2 Blockchain Risk

VCoin operates on Solana blockchain. Blockchain issues affect VCoin.

Solana-Specific Risks:

Network Outages:

Solana has experienced multiple outages (hours to days)
During outages: Cannot transfer VCoins, DEX trading stops
Causes: Bugs, denial-of-service attacks, validator issues
Impact: Funds locked until network restored

Network Congestion:

High activity causes slow transaction processing
Transactions fail or take hours
Higher fees (gas costs)
Impact: Cannot use VCoins reliably

Consensus Failures:

Validators may disagree on blockchain state
Blockchain splits ("fork")
Transactions may be reversed
Impact: VCoin transactions could be invalid or lost

Protocol Changes:

Solana network upgrades may break compatibility
Hard forks could split the network
SPL Token standard changes
Impact: VCoin may become obsolete or non-functional

Solana Failure:

Solana project could fail entirely
Validators could shut down
Network could become permanently unusable
Impact: VCoins permanently trapped on dead blockchain

Migration Difficulty:

Moving VCoin to different blockchain is extremely complex
Requires new smart contract, token swap, user migration
May not be feasible or timely
Users may lose tokens in migration

You Cannot:

Control Solana blockchain
Prevent network outages
Fix protocol issues
Guarantee Solana's future

6.3 Private Key Risk

If you withdraw VCoins to self-custody, you're responsible for security.

Private Key Risks:

Loss:

Lose private keys → lose VCoins permanently (no recovery)
Forget password/seed phrase → locked out forever
Hardware wallet breaks → funds gone (if no backup)
Death without sharing keys → family cannot access
Result: VCoins permanently lost, no one can recover

Theft:

Phishing attacks steal keys
Malware infects computer/phone
Physical theft of hardware wallet
Social engineering tricks
Result: VCoins stolen, no recourse

User Error:

Send VCoins to wrong address → lost forever
Send to incompatible address → tokens burned
Expose keys accidentally (screenshot, email)
Result: VCoins lost or stolen

No Safety Net:

No "forgot password" recovery
No customer service to help
No way to reverse transactions
No insurance for user error
Blockchain transactions are final and irreversible

Custodial vs Self-Custody Trade-off:

Custodial (default): VYRAL manages keys, you trust platform security
Self-Custody (withdraw): You manage keys, responsible for security
Both have risks; neither is completely safe

6.4 Technical Obsolescence

Blockchain technology may become obsolete, making VCoin outdated.

Obsolescence Risks:

Better Technology:

Faster, cheaper blockchains emerge
Ethereum scaling solutions surpass Solana
New token standards make SPL-2022 obsolete
Impact: VCoin outdated, cannot compete

Quantum Computing:

Quantum computers could break current encryption
Private keys could be derived from public keys
All blockchain security compromised
Timeline: Unknown (5-20+ years)
Impact: VCoins vulnerable to theft, blockchain worthless

Security Breaches:

Fundamental cryptography proven insecure
Solana's consensus mechanism broken
SPL Token standard exploited
Impact: VCoin no longer secure, value crashes

Migration Challenges:

Moving to new technology requires massive coordination
Users may not migrate (tokens stuck on old chain)
New token may not maintain value
Result: VCoin becomes legacy, worthless asset

6.5 Transaction Irreversibility

Blockchain transactions are permanent and irreversible.

This Means:

Sending Errors:

Send to wrong address → cannot undo
Typo in address → tokens lost forever
Send wrong amount → cannot adjust
No customer service can reverse transactions

Fraud/Theft:

If scammed and send VCoins → cannot recover
If hacked and VCoins stolen → cannot reverse
Chargebacks impossible (unlike credit cards)
No protection once transaction confirmed

Smart Contract Interactions:

Approve malicious contract → can drain your wallet
Interact with buggy contract → funds may be lost
Cannot undo approvals retroactively
Must be extremely careful with every transaction

Marketplace Issues:

Pay seller who doesn't ship → VCoins gone (must use VYRAL dispute system, not blockchain)
Receive wrong item → cannot chargeback
Platform must mediate; blockchain cannot help

7. REGULATORY & LEGAL RISKS

7.1 Regulatory Uncertainty

Laws and regulations regarding cryptocurrency and tokens are unclear and constantly changing.

Current Status:

No clear federal regulation of utility tokens in US
SEC may classify some tokens as securities (case-by-case)
CFTC may claim jurisdiction as commodities
FinCEN has AML/KYC requirements
State regulations vary widely
International regulations differ by country

VCoin's Position:

Structured as utility token, not security
Wyoming law recognizes digital assets
But: Federal classification uncertain
But: Other jurisdictions may disagree

Regulatory Risks:

Securities Classification:

SEC may determine VCoin is a security
Impact:
- VYRAL may need to register with SEC (expensive/impossible)
- Sales may be prohibited
- Trading may be restricted
- Platform may shut down
- VCoin value crashes

Money Transmission:

States may require money transmitter licenses
Cost: $Millions + ongoing compliance
Impact:
- Cannot operate in unlicensed states
- Must restrict access
- May shut down if cannot comply

Cryptocurrency Bans:

Government could ban cryptocurrency use/trading
Precedent: China's crypto ban (2021)
Impact:
- VCoin illegal to hold or use
- Platform must shut down in affected jurisdictions
- Value crashes

Tax Treatment Changes:

IRS could change tax treatment of VCoins
Could become more burdensome to report
Higher taxes possible
Impact: Less attractive to hold VCoins

New Regulations:

Congress could pass new crypto laws
Requirements may be impossible to meet
Compliance costs may be prohibitive
Impact: Platform shutdown, VCoin worthless

7.2 Enforcement Action Risk

Government agencies may take enforcement action against VYRAL or VCoin.

Possible Enforcement:

SEC Enforcement:

Claim VCoin is unregistered security
Cease-and-desist order
Fines and penalties
Required shutdown or restructuring
Impact: Platform shutdown, VCoin sales halted, value crashes

CFTC Enforcement:

Claim VCoin is commodity subject to regulation
Similar impacts to SEC enforcement

FinCEN (Financial Crimes):

AML/KYC violations
Money laundering concerns
Sanctions violations
Impact: Platform shutdown, asset freeze, criminal charges

State Regulators:

Money transmitter violations
Consumer protection violations
Securities law violations
Impact: Cannot operate in affected states, potential shutdown

Tax Enforcement:

IRS claims failure to withhold/report properly
Penalties and fines
Criminal tax evasion charges
Impact: Financial penalties, potential shutdown

International Enforcement:

Foreign governments prohibit operation
Must cease serving those markets
Impact: Reduced user base, revenue decline, potential domino effect

Your Risk:

Account may be frozen during investigation
VCoins may be seized
Cannot withdraw or sell
No compensation if enforcement action destroys VCoin value

7.3 Compliance Cost Risk

Regulatory compliance is expensive and may become unaffordable.

Compliance Costs:

Legal fees: $500K-$2M+ annually
Licensing: $1M+ for money transmitter licenses
Audits: $100K+ annually
Staff: Compliance officers, lawyers
Systems: KYC/AML technology
Ongoing monitoring and reporting

If Costs Exceed Revenue:

Platform cannot afford compliance
Must shut down or pivot business model
VCoin may be discontinued
Result: VCoin becomes worthless

Changing Requirements:

New laws require additional compliance
Costs increase over time
May reach point where operation is uneconomical
Result: Platform closure

7.4 Geographic Restrictions

You may not be able to use VCoins in certain jurisdictions.

Current Restrictions:

May block sanctioned countries
May block jurisdictions with unfavorable regulations
Must comply with local laws globally

Future Restrictions:

More countries may be added to restricted list
Your country's laws may change
VYRAL may exit certain markets
Impact: You may lose access to platform and VCoins

If You're in Restricted Jurisdiction:

Cannot use platform
Cannot buy/sell VCoins
May not be able to withdraw
Tokens may be frozen
No refund guaranteed

7.5 Tax Law Changes

Tax treatment of VCoins may change, increasing your tax burden.

Current Treatment (US):

Likely treated as property for tax purposes
Capital gains on appreciation
Ordinary income for earned VCoins

Possible Changes:

Higher tax rates on crypto
Different treatment (could be worse)
Reporting requirements increase
Penalties for non-compliance
Retroactive tax changes possible

Your Tax Risks:

Larger tax bills than expected
Complex reporting requirements
Penalties for incorrect reporting
Audits and investigations
No one can predict future tax treatment

8. SECURITY RISKS

8.1 Platform Security Breaches

VYRAL's systems could be hacked, compromising your VCoins.

Breach Scenarios:

Database Breach:

Hackers access user database
Balances altered or stolen
Personal information stolen
Impact: VCoins stolen, identity theft, platform shutdown

Hot Wallet Compromise:

Platform's hot wallet private keys stolen
Hacker drains VCoins held in hot wallet (10-20% of total)
Impact: Platform insolvency, user VCoins lost

Cold Wallet Compromise:

Extremely unlikely but possible
Multi-sig security breached
Majority of user VCoins at risk
Impact: Platform failure, massive losses

Admin Account Takeover:

Hacker gains access to platform admin controls
Can manipulate accounts, balances, withdrawals
Impact: Widespread theft and fraud

Historical Examples:

Mt. Gox: 850,000 BTC stolen (2014)
Bitfinex: 120,000 BTC stolen (2016)
FTX: Billions lost to insider theft/fraud (2022)

VYRAL's Security:

Industry-standard security measures
Regular audits and monitoring
Bug bounty program
But: No system is 100% secure
But: Sophisticated attackers may succeed

If Breach Occurs:

VCoins may be stolen or lost
Platform may shut down
May not recover all funds
Insurance may not cover all losses
No guarantee of compensation

Your Risk:

Could lose all VCoins held in platform
Could lose personal information
Could lose access to account
Limited legal recourse

You could be tricked into giving away your VCoins or login credentials.

Attack Vectors:

Phishing Emails:

Fake emails appearing to be from VYRAL
Links to fake login pages
Steal username/password
Result: Account compromised, VCoins stolen

Fake Support:

Scammers impersonate VYRAL support
Ask for login credentials or seed phrases
Result: Account stolen

Fake Websites:

Websites mimicking VYRAL
Users login, credentials stolen
Result: Account compromise

Social Media Scams:

Fake VYRAL accounts
Fake giveaways ("Send 1 VYCIN, get 10 back!")
Result: VCoins sent to scammer, never returned

SIM Swapping:

Attacker takes over your phone number
Bypasses 2FA
Gains access to accounts
Result: VCoins stolen

Your Responsibility:

Verify all communications
Use strong, unique passwords
Enable 2FA
Never share login credentials
Never share private keys or seed phrases
Be skeptical of "too good to be true" offers

VYRAL Will NEVER:

Ask for your password
Ask for your private keys
Ask for your seed phrase
Request remote access to your computer
Offer giveaways requiring you to send VCoins first

8.3 Malware & Device Compromise

Your device could be infected with malware designed to steal cryptocurrency.

Malware Types:

Keyloggers:

Records everything you type
Steals passwords and seed phrases
Result: Account compromised

Clipboard Hijackers:

Replaces copied wallet addresses with attacker's address
You think you're sending to correct address
Result: VCoins sent to attacker

Screen Capture:

Takes screenshots of seed phrases or keys
Result: Wallet compromised

Remote Access Trojans (RATs):

Attacker controls your device remotely
Can access wallets, transfer funds
Result: Total account compromise

Protection:

Keep devices updated
Use antivirus software
Don't download suspicious files
Don't click suspicious links
Use hardware wallet for large amounts
Consider separate device for crypto

If Device Compromised:

Change passwords immediately
Move VCoins to new wallet
May still lose funds if attacker acts quickly
No recovery mechanism

8.4 Insider Threats

VYRAL employees or contractors could steal or misuse customer VCoins.

Insider Risks:

Malicious Insiders:

Employee with access steals VCoins
Abuse of admin privileges
Data theft
Historical Example: Numerous exchange insider thefts

Negligence:

Employee accidentally exposes private keys
Accidental data leak
Poor security practices
Result: Security breach

Mitigation:

Background checks on employees
Principle of least privilege (limited access)
Multi-signature controls
Audit logs and monitoring
But: Cannot eliminate insider risk completely

Your Risk:

VCoins could be stolen by insider
Limited recourse
May not discover theft immediately
Platform may not have insurance or funds to compensate

8.5 Third-Party Security

Third-party services (Stripe, AWS, KYC providers) could be breached.

Third-Party Risks:

Payment Processor Breach:

Stripe hacked (unlikely but possible)
Payment information stolen
Impact: Identity theft, financial fraud

Infrastructure Breach:

AWS breach (extremely unlikely)
VYRAL data compromised
Impact: Platform data stolen

KYC Provider Breach:

Onfido/Jumio hacked
Sensitive documents stolen (IDs, selfies)
Impact: Identity theft

Your Exposure:

Third parties hold your data
VYRAL cannot completely control their security
Breach of third party affects you
Limited recourse against third parties

9. LIQUIDITY RISKS

9.1 Inability to Sell

You may not be able to sell VCoins when you want to.

Before DEX Launch:

No public market exists
Can only use VCoins on VYRAL platform
Cannot convert to fiat easily
Must wait for DEX launch (timing uncertain)

After DEX Launch:

Liquidity pool may be insufficient
No willing buyers at acceptable price
Order book too thin
Large orders cannot be filled

Withdrawal Restrictions:

Minimum withdrawal amounts
Processing delays (24-72 hours)
Potential delays for large withdrawals (>$10K)
KYC required for large amounts
Platform may suspend withdrawals during issues

Market Conditions:

During crashes, no buyers exist
Everyone trying to sell, no one buying
Prices drop precipitously
Cannot exit position
Result: Forced to hold or sell at massive loss

Lock-Up Periods:

Platform may implement lock-up periods for certain VCoins (earned, purchased)
Cannot access VCoins immediately
Currently: Not implemented, but Terms allow platform to change policies

9.2 Slippage Risk

When you sell VCoins, you may receive much less than expected due to low liquidity.

Slippage Explained: Your sell order "slips" down the order book, executing at progressively worse prices.

Example: Order Book (simplified):

Buy orders at $0.10: $1,000 available
Buy orders at $0.09: $2,000 available
Buy orders at $0.08: $3,000 available
Buy orders at $0.07: $5,000 available

You want to sell $10,000 worth:

First $1,000 sells at $0.10
Next $2,000 sells at $0.09
Next $3,000 sells at $0.08
Last $4,000 sells at $0.07

Average Price: ~$0.08 (20% worse than expected $0.10) You Receive: ~$8,000 instead of expected $10,000

Slippage Increases With:

Larger order size
Lower liquidity
Volatile markets
Sudden selling pressure

Protection (Partial):

Limit orders (may not fill)
Sell in smaller chunks (takes time, price may drop further)
Use DEX aggregators (helps find best price)
But: Cannot eliminate slippage risk completely

9.3 Liquidity Pool Risks

VYRAL's liquidity pool on DEX could be drained or exploited.

Liquidity Pool Mechanics:

VYRAL deposits USDC + VCoins into Raydium pool
Provides liquidity for trading
Acts as counterparty to all trades

Risks:

Impermanent Loss:

If VCoin price changes significantly, VYRAL's pool balance changes
Could be unprofitable for VYRAL to maintain pool
VYRAL may withdraw liquidity
Result: No liquidity, VCoins cannot be traded

Pool Exploitation:

Flash loan attacks
Sandwich attacks
Front-running
Result: Pool drained, no liquidity

VYRAL Liquidity Withdrawal:

VYRAL faces financial problems
Withdraws liquidity to cover costs
Result: No market for VCoins

Smart Contract Bug:

Liquidity pool contract exploited
Funds stolen from pool
Result: No liquidity

If Liquidity Disappears:

Cannot sell VCoins on DEX
Price crashes to zero
Stuck holding worthless tokens

9.4 Market Depth

The VCoin market may be "thin" (low trading volume, few orders).

Thin Market Characteristics:

Wide bid-ask spreads (large gap between buy and sell prices)
Low daily trading volume
Few active traders
Large orders move price dramatically

Problems with Thin Markets:

Cannot sell large amounts without crashing price
High slippage
Price manipulation easier
Volatile price movements
May not be able to sell at all

Example: You hold $100,000 worth of VCoins. Daily trading volume is $10,000.

Your sell would be 10x daily volume
Would crash price significantly
Might take days/weeks to exit position
Final amount received much less than expected

Comparison to Thick Markets: Bitcoin: $30+ billion daily volume (thick, liquid) VCoin: May have < $1 million daily volume (thin, illiquid)

Result: Bitcoin easy to buy/sell large amounts; VCoin very difficult

10. TAX & REPORTING RISKS

10.1 Tax Liability

You are responsible for all taxes on VCoin transactions. Tax liability may be higher than expected.

Taxable Events (US):

Buying VCoins:

Generally not taxable
Establishes cost basis

Earning VCoins:

Ordinary income at fair market value when received
Must report on tax return
Owed even if you don't sell

Selling VCoins:

Capital gain/loss = Sale price - Purchase price
Short-term capital gains (held < 1 year): Ordinary income rates (up to 37%)
Long-term capital gains (held 1+ years): 0%, 15%, or 20% based on income

Using VCoins:

Each purchase is taxable event
Must calculate gain/loss on each transaction
Example: Buy VCoin at $0.10, spend at $0.20 → $0.10 capital gain per coin

Tipping:

Recipient: Ordinary income (must report)
Sender: Potential capital gain/loss

Receiving Tips:

Ordinary income at value received
Self-employment tax may apply (15.3% additional)

Trading VCoins:

Every trade is taxable
Must track cost basis
Frequent trading = many taxable events

Your Tax Burden Could Be:

37%+ on earned VCoins (income + self-employment tax)
37% on short-term trading gains
15-20% on long-term capital gains
State taxes (varies by state, up to 13% additional)

Total Possible Tax: 50%+ of gains

Example: You earn $10,000 in VCoins:

Federal income tax (24% bracket): $2,400
Self-employment tax: $1,530
State tax (5%): $500
Total Tax: $4,430 (44.3%)
You Keep: $5,570

If VCoin price then drops 50% before you sell, you still owe $4,430 in taxes but your VCoins are only worth $5,000.

10.2 Reporting Complexity

Tracking and reporting VCoin transactions is extremely complex.

Reporting Requirements:

Every Transaction Must Be Tracked:

Date and time
Type (buy, sell, earn, spend)
Amount in VCoins
Fair market value in USD at time of transaction
Cost basis
Gain or loss

For Active Users:

Hundreds or thousands of transactions annually
Each tip sent/received is a taxable event
Each marketplace purchase is a taxable event
Each trade is a taxable event

Calculation Challenges:

Fair market value at exact time of each transaction
Cost basis method (FIFO, LIFO, specific identification)
Tracking across multiple wallets/exchanges
Converting VCoin price to USD

Tools Required:

Crypto tax software ($50-$500+/year)
Accountant familiar with crypto ($200-$500/hour)
Significant time investment

Penalties for Errors:

Underpayment penalties (0.5% per month)
Interest on unpaid taxes
Potential audit
Criminal penalties for tax evasion (if willful)

IRS Scrutiny:

IRS has increased crypto enforcement
Receives data from exchanges
Uses blockchain analysis
Actively auditing crypto transactions

10.3 Tax Law Uncertainty

Crypto tax laws are unclear and changing.

Current Uncertainty:

IRS guidance incomplete
Many edge cases unaddressed
Conflicting interpretations
State laws vary widely

Changes Possible:

New reporting requirements
Different tax treatment
Higher tax rates on crypto
Retroactive changes (rare but possible)

International Tax:

If you move countries, tax treatment may change
May owe taxes in multiple countries
Tax treaties may not cover crypto clearly

You Risk:

Calculating taxes incorrectly
Penalties for incorrect reporting
Retroactive tax liability if laws change
No clear guidance on proper treatment

Recommendation: Consult qualified tax professional experienced with cryptocurrency. Do not rely on this document for tax advice.

10.4 Taxable Without Cash

You may owe taxes on VCoins even if you haven't sold them.

Tax Without Cash Flow:

Scenario 1 - Earning: You earn $10,000 worth of VCoins.

You owe ~$4,000 in taxes
You haven't sold VCoins for cash
Where do you get $4,000 to pay IRS?
Must sell VCoins (triggering more taxes) or pay from other sources

Scenario 2 - Appreciation: You hold VCoins that appreciate.

Buy at $0.01, now worth $1.00
100x gain on paper
If you use VCoins to buy something, you owe capital gains tax on 100x gain
May not have cash to pay taxes

Scenario 3 - Price Crash: You earn $10,000 in VCoins, owe $4,000 in taxes. Before you sell, price drops 80%.

VCoins now worth $2,000
Still owe $4,000 in taxes
Must pay $4,000 from other funds
VCoins worth less than taxes owed

This Happens Frequently: Many crypto users faced this in 2017-2018 (big gains in 2017, crash in 2018, taxes due in 2018 on 2017 gains they no longer had).

Protection (Partial):

Sell enough VCoins to cover taxes when earned
Set aside cash for tax liability
Don't spend all earned VCoins immediately
Track tax liability continuously

11. THIRD-PARTY RISKS

11.1 Solana Blockchain Risk

VCoin depends entirely on Solana blockchain. Solana problems affect VCoin.

(See Section 6.2 for detailed blockchain risks)

Key Points:

Solana network outages = VCoin unusable
Solana failure = VCoin worthless
No control over Solana network
Cannot move VCoin to different blockchain easily

11.2 Decentralized Exchange (DEX) Risk

After DEX launch, you'll trade VCoins on decentralized exchanges like Raydium.

DEX Risks:

Smart Contract Risk:

DEX contracts could have bugs
Exploits could drain liquidity pools
Your funds at risk when interacting with DEX

Front-Running:

Bots see your transaction before it confirms
Execute trades ahead of you
You get worse price
Common on DEXs, difficult to prevent

Slippage:

Price moves between when you submit trade and when it executes
Can be 1-20%+ on thin markets
No protection

Failed Transactions:

Transaction fails but you pay gas fee anyway
Must retry (pay gas again)
Price may move against you

No Customer Support:

DEXs are smart contracts, no company behind them
If something goes wrong, no one to contact
No reversals, no refunds
Entirely self-service

No Protections:

No trade halts
No circuit breakers
No fraud protection
No insurance
You're responsible for every interaction

Comparison to Centralized Exchanges: Centralized (Coinbase): Customer support, insurance, regulatory oversight Decentralized (Raydium): No support, no insurance, no oversight, more risk

11.3 Wallet Provider Risk

If using self-custody, you depend on wallet software.

Wallet Risks:

Software Bugs:

Wallet has bugs that cause loss of funds
Incorrect transaction creation
Result: VCoins sent to wrong address or lost

Wallet Company Failure:

Wallet company goes out of business
Software no longer supported
May have trouble accessing funds
Mitigation: Use open-source wallets, keep backups

Malicious Wallet:

Fake wallet designed to steal funds
Looks legitimate but steals private keys
Protection: Only use well-known, audited wallets

Update Risks:

Wallet update introduces bugs
Incompatibility with blockchain
Result: Cannot access funds until fixed

Recommended Wallets:

Hardware wallets (Ledger, Trezor) for large amounts
Reputable software wallets (Phantom, Solflare for Solana)
Never: Unknown wallets, closed-source wallets

11.4 Payment Processor Risk

Stripe (payment processor) issues could affect your ability to buy VCoins.

Risks:

Stripe Account Closure:

VYRAL's Stripe account could be terminated
Cannot process credit card payments
Must find alternative (may take time)
Impact: Cannot buy VCoins easily

Payment Processing Issues:

Stripe downtime
Failed transactions
Chargebacks and disputes
Impact: Delays, frustrations, potential losses

Policy Changes:

Stripe may prohibit crypto-related transactions
Must find alternative processor
Impact: Higher fees or inability to process payments

11.5 Service Provider Failures

VYRAL relies on multiple third parties (AWS, Cloudflare, KYC providers, etc.).

Any Could Fail:

AWS outage = platform down
Cloudflare issue = site inaccessible
KYC provider shutdown = cannot verify users
SendGrid issue = cannot send emails

Cascading Failures:

One failure leads to others
Platform becomes unusable
Cannot access VCoins
Impact: Temporary to permanent loss of functionality

Mitigation (VYRAL's):

Redundancy where possible
Multiple providers for critical services
Disaster recovery plans
But: Cannot eliminate all third-party risk

12. CUSTODY RISKS

12.1 Custodial Risk

By default, VYRAL holds your VCoins in custodial wallets (VYRAL controls private keys).

Custodial Model:

Your VCoins held in VYRAL's wallets
You see balance in your account
VYRAL controls actual tokens
You trust VYRAL to safeguard your VCoins

Custodial Risks:

Platform Insolvency:

VYRAL goes bankrupt
Your VCoins may be considered platform assets
Creditors may have claim to VCoins
You may not recover funds
Precedent: FTX bankruptcy, customers lost billions

Mismanagement:

VYRAL misuses customer VCoins
Loans VCoins out (rehypothecation)
Uses for company purposes
Result: Insolvency, customer losses

Fraud:

Insiders steal VCoins
Ponzi-like scheme
Result: VCoins gone, no recovery

Regulatory Seizure:

Government seizes VYRAL's assets
Your VCoins frozen or confiscated
Must prove ownership to recover (if possible)
Result: Loss of access, potential permanent loss

"Not Your Keys, Not Your Coins": Crypto saying meaning: If you don't control private keys, you don't truly own the coins.

Mitigation:

Withdraw to self-custody if concerned
Only keep VCoins you need for immediate use on platform
Regularly withdraw excess VCoins
But: Self-custody has own risks (see Section 6.3)

12.2 Withdrawal Limitations

VYRAL may limit or delay withdrawals.

Current Limitations:

2% withdrawal fee
24-72 hour processing time
KYC required for >$10,000 annually
Minimum withdrawal amounts

Possible Future Limitations:

Daily/monthly withdrawal limits
Longer processing times
Higher fees
Additional verification requirements
Temporary withdrawal suspensions

Reasons for Limits:

Liquidity management
Fraud prevention
Regulatory compliance
Technical issues
Platform under stress

Scenarios Where You Cannot Withdraw:

Platform Issues:

Security breach investigation
Technical problems
Insolvency

Regulatory Issues:

Government investigation
Asset freeze order
Compliance review

Account Issues:

Suspicious activity on your account
Failed KYC
Terms of Service violation
Ongoing dispute

Result: VCoins locked on platform, cannot access

12.3 Counterparty Risk

You are exposed to VYRAL as a counterparty.

What This Means:

You trust VYRAL to operate honestly
You trust VYRAL to remain solvent
You trust VYRAL to secure your VCoins
If VYRAL fails, you lose VCoins

No Protections:

No FDIC insurance
No SIPC protection (like stock brokerages)
No government guarantee
Limited legal recourse

Comparison:

Bank deposits: FDIC insured up to $250K
Stock brokerages: SIPC protected up to $500K
VYRAL: Zero insurance, zero protection

Your Risk:

Total loss if VYRAL fails
Cannot diversify away counterparty risk while using custodial service
Only mitigation: Withdraw to self-custody

13. SPECIFIC USE CASE RISKS

13.1 Tipping Risks

Using VCoins to tip creators has specific risks.

Recipient May Not Be Legitimate:

Scammers posing as creators
Fake accounts
Impersonators
Result: Tips wasted on fraudsters

Tips Are Final:

Cannot reverse tips
If sent to wrong user, cannot recover
No chargeback mechanism
Result: Permanent loss if error

Tax Implications:

Tips may be taxable events for sender (capital gains)
Tips are taxable income for recipient
Result: Unexpected tax bills

Platform Fee:

19% fee on all tips (to platform)
1% burned
Recipient gets only 80%
Result: Less value transferred than expected

13.2 Marketplace Risks

Using VCoins in marketplace has unique risks.

Seller Risks:

Non-Payment:

Buyer's VCoins tied up or stolen before payment
Transaction fails
Result: No sale

Fraud:

Buyer claims item not received (false claim)
Buyer returns different item
Chargeback attempts
Result: Loss of item and VCoins

Buyer Risks:

Seller Doesn't Ship:

Seller receives payment, doesn't ship
Must use VYRAL dispute resolution
May not recover VCoins
Result: Loss of VCoins, no item

Item Not as Described:

Seller misleads about item
Item damaged or fake
Must prove to VYRAL
Result: Potential loss

VCoin Volatility:

VCoin price changes between purchase and resolution
Value changes before refund processed
Result: Refund worth less (or more) than paid

No Credit Card Protections:

No chargeback rights
No purchase protection
VYRAL mediation is only recourse
Result: Less protection than traditional payments

13.3 Subscription Risks

Creator subscriptions paid in VCoins carry risks.

Price Volatility:

Subscription costs fixed in VCoins
VCoin value changes
Real cost to you fluctuates
Example: 100 VYCIN subscription = $10 today, $20 tomorrow

Creator Disappears:

Creator stops posting
Cannot get refund for unused subscription
Result: Wasted VCoins

Creator Account Terminated:

VYRAL bans creator
Your subscription worthless
No refund
Result: Loss of VCoins

Auto-Renewal:

Subscriptions may auto-renew
VCoins deducted without warning
Must manually cancel
Result: Unwanted charges

13.4 Premium Features Risks

Purchasing premium features with VCoins has risks.

Features May Change:

Premium feature discontinued
Functionality reduced
No refund if feature removed
Result: VCoins spent on now-worthless feature

Account Termination:

If VYRAL terminates your account
Lose access to premium features
No refund of VCoins spent
Result: Total loss

Platform Shutdown:

If VYRAL shuts down
Premium features worthless
Result: VCoins wasted

14. FORWARD-LOOKING STATEMENTS

14.1 No Promises About Future

Nothing in VYRAL's materials (whitepaper, website, marketing) constitutes a promise about the future.

Forward-Looking Statements: Any statement about future plans, including:

"We plan to launch DEX trading in 6 months"
"VCoin will be listed on major exchanges"
"We expect 1 million users by year-end"
"Platform will implement DAO governance"
"We will expand to new markets"

These Are NOT Promises:

Plans may change
Timelines may slip
Features may not be implemented
Targets may not be met
We may pivot or abandon plans

Disclaimers:

Forward-looking statements are aspirational
Based on current plans and assumptions
Subject to risks, uncertainties, and changes
Actual results may differ materially
No guarantee of any particular outcome

You Should NOT:

Rely on forward-looking statements
Purchase VCoins based on future promises
Expect any specific milestone to be achieved
Hold VYRAL liable if plans change

14.2 Projections & Estimates

Any financial projections, user growth estimates, or token value scenarios are speculative.

In Whitepaper:

Revenue projections (conservative/moderate/optimistic)
User growth scenarios
Token price scenarios
These are EXAMPLES, not forecasts

Reality:

May achieve none of the scenarios
May perform worse than conservative case
May fail completely
Projections are NOT targets or promises

Do Not Rely On:

Projected revenues
Projected user numbers
Projected token prices
Any quantitative estimates

These Are:

Illustrative only
Worst-case scenarios may be worse
Best-case scenarios may not occur

15. NO PROFESSIONAL ADVICE

15.1 Not Investment Advice

Nothing in this document or VYRAL's materials is investment advice.

We Are Not:

Recommending you purchase VCoins
Advising you on investment strategy
Providing financial planning
Suggesting VCoins are suitable investment

You Must:

Make your own informed decision
Conduct your own research
Consult professional advisors
Evaluate your own risk tolerance

We Cannot:

Advise on whether VCoins are right for you
Predict whether you'll make or lose money
Guarantee any outcome

15.2 Not Legal Advice

This document is not legal advice.

We Are Not:

Your attorneys
Providing legal guidance
Interpreting laws for your situation
Advising on legal implications

You Should:

Consult qualified attorney in your jurisdiction
Get legal advice on tax implications
Understand your legal obligations
Comply with all applicable laws

We Cannot:

Tell you if VCoins are legal in your jurisdiction
Advise on your specific legal situation
Interpret regulations for you

15.3 Not Tax Advice

This document is not tax advice.

We Are Not:

Tax professionals
Advising on tax treatment
Telling you how to report VCoins
Calculating your tax liability

You Must:

Consult qualified tax professional
Understand your tax obligations
Report VCoin transactions correctly
Pay all taxes owed

We Cannot:

Tell you how to report VCoins on taxes
Advise on tax optimization
Calculate your tax liability

15.4 Consult Professionals

Before purchasing or using VCoins, consult:

Financial Advisor:

Evaluate risk tolerance
Assess portfolio allocation
Determine suitability
Plan for potential losses

Attorney:

Legal implications in your jurisdiction
Regulatory compliance
Estate planning considerations

Tax Professional:

Tax treatment of VCoins
Reporting requirements
Tax optimization strategies
Record-keeping systems

Cost of Advisors:

Yes, it costs money
Yes, it's worth it
Yes, you should do it anyway
Losses from ignorance cost more

16. REQUIRED ACKNOWLEDGMENTS

16.1 Acknowledgment of Risks

By purchasing, receiving, or using VCoins, you acknowledge and agree:

☑ I have read and understood this entire Risk Disclosure Statement

☑ I understand VCoin is extremely risky and I could lose all money invested

☑ I understand VCoin is NOT an investment and I should NOT expect profit

☑ I understand VCoin's value can change dramatically, including dropping to zero

☑ I understand there are NO guarantees about VCoin's value, liquidity, or utility

☑ I understand VYRAL platform could fail, making VCoins worthless

☑ I understand smart contracts and blockchain technology carry significant risks

☑ I understand regulatory status is uncertain and could change adversely

☑ I understand security risks exist and my VCoins could be stolen or lost

☑ I understand I may not be able to sell VCoins when I want

☑ I understand tax implications may be significant and complex

☑ I am solely responsible for my decision to purchase/use VCoins

☑ I have consulted (or chosen not to consult) professional advisors

☑ I can afford to lose my entire investment in VCoins without hardship

☑ I am not relying on any promises about VCoin's future value or success

☑ I release VYRAL from liability for losses resulting from these risks

16.2 Assumption of Risk

You expressly assume all risks described in this Statement, including:

Risk of total loss
Price volatility
Liquidity risk
Platform failure
Technical risks
Regulatory risks
Security risks
All other risks described herein and any unforeseen risks

You Agree:

You are purchasing/using VCoins voluntarily
No one has forced or pressured you
You have made informed decision
You accept full responsibility for consequences

16.3 No Reliance

You agree you are NOT relying on:

Any oral or written statements by VYRAL representatives
Marketing materials or promotional content
Projections or estimates
Forward-looking statements
Social media posts or commentary
Third-party opinions or analysis
Any promises about future value or performance

You Agree:

You have conducted your own research
You have evaluated risks independently
You understand VCoin may not perform as hoped
You accept uncertainty inherent in VCoin

16.4 Waiver and Release

To the fullest extent permitted by law, you waive and release VYRAL from:

All claims related to VCoin value loss
All claims related to platform failure
All claims related to technical issues
All claims related to security breaches (except gross negligence)
All claims related to regulatory changes
All claims related to third-party failures
Any other claims arising from risks described in this Statement

This Does NOT Release:

Claims of fraud by VYRAL
Claims of gross negligence or willful misconduct by VYRAL
Claims where waiver is prohibited by law

16.5 Confirmation of Understanding

You confirm:

✅ I am at least 18 years old

✅ I am legally permitted to purchase and use VCoins in my jurisdiction

✅ I have the legal capacity to enter into this agreement

✅ I am not located in a restricted jurisdiction

✅ I have read, understood, and agree to the Terms of Service

✅ I have read, understood, and agree to the Privacy Policy

✅ I have read, understood, and agree to this Risk Disclosure Statement

✅ I understand all risks described herein

✅ I am making an informed, voluntary decision

✅ I can afford to lose my entire investment

By clicking "I Acknowledge and Accept These Risks" below, you confirm all of the above.

FINAL WARNING

PURCHASING OR USING VYCINS IS EXTREMELY RISKY.

YOU COULD LOSE ALL YOUR MONEY.

DO NOT PURCHASE VYCINS WITH MONEY YOU CANNOT AFFORD TO LOSE.

IF YOU DO NOT FULLY UNDERSTAND AND ACCEPT THESE RISKS, DO NOT PURCHASE OR USE VYCINS.

THIS IS YOUR LAST CHANCE TO RECONSIDER.

BY PROCEEDING, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND ACCEPTED ALL RISKS DESCRIBED IN THIS STATEMENT.

EFFECTIVE DATE: September 29, 2025 VERSION: 1.0
LAST UPDATED: September 29, 2025

Company Information:
Vyral, Inc.
32 N Gould St. Sheridan, WY 82801 United States Email: [email protected]

Risk Disclosure Statement

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