# About Doppler Finance #### Introducing Doppler Finance Doppler Finance is infrastructure for tokenized capital markets. We are building the financial rails that help tokenized assets move from issuance to active market use - across collateral, liquidity, settlement, and risk-aware yield strategies. #### Rebuilding capital markets for the tokenized era. As real-world and digitally native assets move on-chain, market participants need infrastructure that is more transparent, programmable, and capital efficient without compromising discipline around custody, risk, and execution. Doppler is designed to support this transition through institutional-grade infrastructure for asset utilization, liquidity access, and market participation. Rather than treating tokenized assets as static balances, Doppler helps transform them into productive financial instruments within programmable markets. #### Our Mission Our mission is to make tokenized capital markets more usable, efficient, accessible, and resilient. Doppler connects asset holders, liquidity venues, custody providers, and on-chain financial rails through infrastructure that supports the full lifecycle of tokenized assets: issuance, collateralization, liquidity deployment, settlement, and risk-managed yield generation. In the long term, Doppler aims to become a trusted infrastructure layer for institutions, protocols, and asset holders participating in programmable financial markets. We focus on practical market utility: improving capital efficiency, enabling transparent asset flows, and expanding access to financial strategies that can be executed and monitored on-chain.
# Core Features Doppler provides infrastructure modules for tokenized capital markets. Each module is designed to help assets move from passive ownership into productive, risk-aware financial use.
1. **Doppler Vaults** Doppler Vaults provide structured access to risk-managed strategies for tokenized assets, including crypto assets and real-world assets.
Vaults are designed to support customized strategy management and custody structure design for institutional participants, helping asset holders access vetted sources of liquidity and yield while maintaining clear operational boundaries across custody, strategy execution, risk management, and reporting. Through Doppler Vaults, retail and institutional users can access yield strategies that have traditionally been available only to a limited group of institutional market participants, supported by secure infrastructure, transparent reporting, and risk-aware execution.
2. **Doppler Lending** Doppler Lending is being developed as an institutional lending and financing module for tokenized capital markets as XRP Ledger’s native lending feature ‘XLS-66d’ is being developed. The module is intended to enable tokenized assets to be used more efficiently across collateralized lending, borrowing, and liquidity access. It is designed to help qualified market participants unlock capital efficiency while maintaining clear risk controls across custody, collateral management, execution, and reporting. As the product architecture evolves, Doppler Lending may incorporate prime brokerage-style capabilities, including collateral financing, structured liquidity access, and financing solutions for tokenized asset markets. Additional details on supported assets, networks, collateral parameters, eligible participants, and launch timing will be provided as development progresses.
# Overall Structure Doppler Vaults utilizes two primary yield strategies designed to help users access structured yield opportunities through secure and institutional-grade infrastructure. #### CeDeFi Yields Doppler Vaults integrates institutional-grade custody and execution frameworks to provide access to professionally managed yield strategies in a secure and compliant environment. #### RWA Yields Doppler Vaults connects users to tokenized real-world asset opportunities through infrastructure providers such as OpenEden, including access to blockchain-based products backed by traditional financial assets such as U.S. Treasuries. This allows users to participate in the growth of tokenized capital markets while maintaining a risk-aware approach to transparency, accessibility, and institutional-grade execution.
# CeDeFi Yields ### Safe, Transparent Access to Institutional Strategies
Doppler Finance’s CeDeFi framework ensures on-chain proof of reserve through trusted custody providers. It opens institutional yield opportunities to everyday asset holders, bridging a new opportunity which was previously inaccessible to retail users. The protocol operates according to the following flow of assets.
Flow of Assets #### Deposit 1. **User → Deposit Address (Fireblocks)** * When a user initiates a deposit via the Doppler UI or Partner UI, assets are transferred to the Deposit Address of the corresponding vault. * The Deposit Address checks for abnormal deposits; if an abnormal deposit is detected, it is returned to the user. * The Deposit Addresses are governed by Fireblocks' MPC wallet infrastructure, eliminating single points of private key failure. 2. **Deposit Address (Fireblocks) → Treasury Address (Fireblocks)** * Assets that are validly deposited into the Deposit Address are transferred to the Treasury Address. * The Treasury Address is secured by strict Transaction Authorization Policies (TAP), requiring multi-signature approval. * The Treasury Address is also governed by Fireblocks' MPC wallet infrastructure, eliminating single points of private key failure. 3. **Treasury Address (Fireblocks) → OES (Ceffu, Copper Clearloop, etc.)** * Assets transferred to the Treasury Address are moved to OES (Off-Exchange Settlement) services to execute CeDeFi strategies. * By utilizing industry-leading OES services such as Ceffu and Copper Clearloop, exchange risk is minimized. #### Withdrawal 1. **OES (Ceffu, Copper ClearLoop, etc.) → Treasury Address (Fireblocks)** * After unwinding a portion of the CeDeFi strategies, the assets are transferred back to the Fireblocks Treasury Address. 2. **Treasury Address (Fireblocks) → Withdrawal Address (Fireblocks)** * For user withdrawals, assets move from the Treasury Address to a dedicated Withdrawal Address within Fireblocks. 3. **Withdrawal Address (Fireblocks) → User** * Funds are then sent from the Withdrawal Address directly to the user. * Large withdrawals require multi-signature approval, enhancing security and ensuring strict governance controls.
### What Makes Doppler Finance Different from Other CeDeFi? Unlike typical “black box” CeDeFi structures, Doppler Vaults provides both transparent and a secure ways to make yield, made possible by two key elements: **1. On-Chain Proof of Reserve** By partnering with top-tier custody providers, Doppler Finance ensures continuous and verifiable proof that user-deposited assets are securely stored. Additionally, through these partners, Doppler Finance will provide transparent updates on where the assets are deployed. Anyone can check on-chain proof-of-reserve to confirm that funds remain properly collateralized.
* External PoR * Even when Doppler’s assets are held externally for trading, they are verified via rigorous, periodic snapshots attested by third parties like Ceffu. This ensures that, even under an External PoR structure, the level of security is comparable to that of direct custody. **2. Secure, Tested Yield Strategies** Institution-level yield strategies from quant operator partners were selected with a focus on capital preservation and consistent performance. The most critical consideration in strategy selection was ensuring that Doppler Finance deploys strategies with minimal risk of losing the number of assets, regardless of market conditions. Two primary examples include: * **Asset-Neutral Arbitrage** Assets on Doppler Vaults are deployed across multiple exchanges to capitalize on yield opportunities from discrepancies in asset's spot or perpetual markets, but unlike traditional arbitrage focused on increasing dollar amounts, this approach is designed to accumulate more assets. For example, if XRP is priced at $3 on Exchange A and $4 on Exchange B, the Operator might allocate $12 on each exchange. By buying 4 XRP at Exchange A (12/3) and selling only 3 XRP at Exchange B (12/4), they net 1 extra XRP overall. Because this strategy targets short-lived price inefficiencies rather than broad market trends, it remains inherently more stable—even in volatile conditions. * **Spot–Perpetual Arbitrage** This strategy relies on perpetual market funding rates to generate yield. Operators maintain a delta-neutral position by opening offsetting trades in the spot and perpetual markets. Deposited assets serve as collateral to borrow stablecoins for these delta-neutral position, with a conservative LTV ratio and active monitoring to minimize risk. When funding rates are positive, operators buy XRP on the spot market and short an equivalent amount in perpetual; if rates turn negative, they reverse the position by selling spot and going long in perpetual. By focusing on funding rate differentials rather than price movements, this approach aims to deliver consistent yields while keeping market exposure low. Doppler Finance will continue to expand CeDeFi yield strategies in collaboration with quant operator partners. Beyond arbitrage, the platform aims to explore a wide range of yield sources, including options and other sophisticated financial instruments. #### 3. Partnership with Industry-Leading Infrastructure & Custody Solutions Doppler Finance has built its CeDeFi system in a more efficient and secure way by leveraging industry-leading infrastructure and custody solutions. The teams that have partnered with Doppler Finance are as follows: * **Fireblocks** Fireblocks is one of the world’s most trusted and proven digital asset infrastructure companies, empowering organizations of all sizes to build, run, and grow their business on the blockchain. By integrating Fireblocks' custody and [MPC](https://www.fireblocks.com/what-is-mpc/) services, Doppler Finance creates a secure environment. * **Ceffu (MirrorX)** Ceffu offers secure institutional custody, asset management, and off-exchange settlement solutions. Doppler Finance selected MirrorX by Ceffu for its comprehensive suite of institutional-grade features, including: * Secure Settlement and Custody: MirrorX connects institutional clients to the world’s largest centralized exchange while assets remain under Ceffu's custody. This enables [off-exchange settlements](https://www.ceffu.com/pl/blog/ceffu-understanding-off-exchange-settlement) and eliminates counterparty risk for XRPfi participants. * Deep Liquidity Access: MirrorX taps into deep liquidity pools, allowing quantitative operators to execute trades efficiently at scale. * Flexible Fund Management: Real-time fund reallocation between designated asset managers enables dynamic deployment into yield-generating strategies. * **BitGo** * BitGo is the leading regulated infrastructure provider of digital asset solutions, offering custody, wallets, staking, trading, financing, and settlement out of regulated cold storage for the world’s largest financial institutions. Founded in 2013, BitGo is the first and largest digital asset company to focus on serving institutional clients, and now bringing institutional grade service to all. # Doppler Vaults {% content-ref url="/pages/I1jHH7CFj3Fok8d1qS6U" %} [XRP Vault](/product/doppler-vaults/xrp-vault) {% endcontent-ref %} {% content-ref url="/pages/1Eng90IUT1l15TAW8Gfy" %} [RLUSD Vault](/product/doppler-vaults/rlusd-vault) {% endcontent-ref %} # XRP Vault XRP Vault lets users deposit XRP and earn returns that stay denominated in XRP. Until now, XRP holders had virtually no secure, transparent way to generate yield. XRP Vault finally ***transforms idle XRP into an active asset*****.** Yield will be sourced from CeDeFi and RWA Yields. **Details** * Deposit: Deposit XRP (XRP Ledger) directly into the Vault. * Withdrawal: Withdrawals are subject to a 7-day withdrawal period following your request. After this period, withdrawals are batch processed around 01:00 UTC. * Yields: Returns are automatically compounded, so your positions grows continuously without any manual action. * Additional Rewards**:** Depositors also earn Doppler Points (DP). * Fees: No platform fees on deposits or withdrawals—only network fees apply. **Related Addresses** * By partnering with industry-leading custody providers, Doppler Finance ensures continuous and verifiable proof that user-deposited XRP is securely stored. Additionally, through these partners, Doppler Finance will provide transparent updates on where the XRP is deployed. Anyone can check on-chain proof-of-reserve to confirm that funds remain properly collateralized.
AddressNameDescription
rEPQxsSVER2r4HeVR4APrVCB45K68rqgp2Deposit Wallet(Fireblocks)A wallet which filters out abnormal deposits
rprFy94qJB5riJpMmnPDp3ttmVKfcrFiuqTreasury Wallet(Fireblocks)A wallet which receives and stores properly deposited funds from the deposit wallet.
rGuVpUBfprkb1cmKFGbL8c48fQWT3xEwyZ

Withdrawal wallet(Fireblocks)


A wallet which handles user withdrawal.
**Disclaimer** As of the current publication date, the XRP Vault operates through CeDeFi strategies. These strategies utilize institutional custodianship, secure delegation mechanisms, and select risk-managed centralized platforms to generate yield denominated in XRP. Although the integration of on-chain strategies is part of Doppler Finance’s future roadmap, such strategies are not currently deployed, and no on-chain yield is being generated at this time. Participation in the XRP Vault involves inherent financial risks. These may include, but are not limited to, custodial risk, counterparty risk, market volatility, and potential loss of principal or anticipated yield. The XRP Vault and related services are not available to users in certain jurisdictions. In particular, Doppler Finance prohibits access to individuals or entities located in the United States or any other region subject to applicable sanctions or regulatory restrictions. Please refer to our Terms of Service for a full list of restricted jurisdictions and compliance conditions. # RLUSD Vault RLUSD Vault lets users deposit RLUSD and earn returns that stay denominated in RLUSD. RLUSD is a US dollar–pegged, institutional-grade stablecoin by Ripple, and the RLUSD vault offers the opportunity to access various institutional-level strategies using RLUSD. Yield will be sourced from CeDeFi and RWA Yields. **Details** * Deposit: Deposit RLUSD (XRP Ledger, Ethereum) directly into the Vault. * Withdrawal : Withdrawals are subject to a 7-day withdrawal period following your request. After this period, withdrawals are batch processed around 01:00 UTC. * Withdrawals on the XRP Ledger are automatically transferred to the user’s wallet, whereas on Ethereum the user must claim them manually. * Yields: Returns are automatically compounded, so your positions grows continuously without any manual action. * Additional Rewards**:** Depositors also earn Doppler Points (DP). * Fees: No platform fees on deposits or withdrawals—only network fees apply. **Related Addresses & Smart Contracts** * By partnering with industry-leading custody providers, Doppler Finance ensures continuous and verifiable proof that user-deposited RLUSD is securely stored. Additionally, through these partners, Doppler Finance will provide transparent updates on where the XRP is deployed. Anyone can check on-chain proof-of-reserve to confirm that funds remain properly collateralized.
AddressNameDescription
rEPQxsSVER2r4HeVR4APrVCB45K68rqgp2Deposit Wallet(Fireblocks, XRP Ledger)A wallet which filters out abnormal deposits
rprFy94qJB5riJpMmnPDp3ttmVKfcrFiuqTreasury Wallet(Fireblocks, XRP Ledger)A wallet which receives and stores properly deposited funds from the deposit wallet.
rGuVpUBfprkb1cmKFGbL8c48fQWT3xEwyZ

Withdrawal Wallet(Fireblocks, XRP Ledger)


A wallet which handles user withdrawal.
0xfD5366c739d08018286Dd0c6c0F547Ec72906717RLUSD Vault Contract(Ethereum)Smart contract address of Ethereum RLUSD Vault
0x6567412A6D8692104A25B09534B556E2c4E74902RLUSD Vault Treasury Wallet(Ethereum)

A wallet which receives and stores properly deposited funds from the deposit wallet.

**Disclaimer** As of the current publication date, the RLUSD Vault operates through CeDeFi strategies. These strategies utilize institutional custodianship, secure delegation mechanisms, and select risk-managed centralized platforms to generate yield denominated in RLUSD. Although the integration of on-chain strategies is part of Doppler Finance’s future roadmap, such strategies are not currently deployed, and no on-chain yield is being generated at this time. Participation in the RLUSD Vault involves inherent financial risks. These may include, but are not limited to, custodial risk, counterparty risk, market volatility, and potential loss of principal or anticipated yield. The RLUSD Vault and related services are not available to users in certain jurisdictions. In particular, Doppler Finance prohibits access to individuals or entities located in the United States or any other region subject to applicable sanctions or regulatory restrictions. Please refer to our Terms of Service for a full list of restricted jurisdictions and compliance conditions # Risks This page describes the risks associated with Doppler Vaults and the actions taken by Doppler Finance to mitigate and manage those risks. We welcome any suggestions or details that could improve the protocol’s transparency. If you spot a risk we haven’t highlighted, please join our Discord and let the Doppler team know. **Legal Notice** This page highlights key risks but is not exhaustive. It does not constitute legal, financial, or tax advice. *** ### **Counterparty Risk** **Description** Doppler Vaults, in operating its services through collaborations with multiple custodians and trading partners, is therefore exposed to ‘Counterparty risk’. Counterparty risk is the risk of loss arising from other entities, including custodians (e.g., asset theft) and trading partners (e.g., trading losses or insolvency). The following examples are representative counterparty risks faced by Doppler Finance. * Asset theft: Unauthorized access to or misappropriation of user funds held by a custodian. This can occur through external hacks (e.g. stolen private keys) or insider malfeasance (e.g. a rogue employee siphoning assets). In either case, once assets are removed from custody, they may be irrecoverable. * Trading losses: Losses incurred by a trading partner when an executed strategy performs poorly or market conditions move against positions. For example, a partner running a delta-neutral arbitrage could experience extreme volatility or funding-rate swings that exceed their risk buffers, forcing them to liquidate at a loss and leaving Doppler unable to reclaim the full principal plus expected yield. * Insolvency: The state in which a custodian or trading partner cannot meet its financial obligations—either because liabilities exceed assets or due to sudden cash-flow shortfalls. In an insolvency event, user funds may be tied up in legal proceedings, subject to creditor claims, or ultimately lost if the counterparty’s estate is insufficient to cover its debts. **How Doppler manages/mitigates Counterparty Risk** Doppler Finance manages counterparty risk through a layered approach across both custody and trading partner relationships: Custody * We partner exclusively with industry-leading, audited custodians such as Fireblocks and Copper, ensuring best-in-class security protocols. * Assets held in custody may be subject to insurance coverage for specific risks, but this coverage is subject to exclusions, limitations, and the terms of each policy Trading Partners * We structure our allocations as principal-protected loans and focus on low-risk strategies, so that the principal remains safeguarded unless a partner faces total insolvency. * A rigorous, quantitative due diligence process evaluates each operator’s track record, strategy soundness, assets under management and overall insolvency risk before onboarding. * We enforce strict concentration limits and engage multiple trading partners across diverse strategies, significantly reducing the impact of any single partner’s failure. * Ongoing performance reviews and frequent risk checks allow us to monitor real-time metrics, and we promptly off-board any partner that falls below our defined performance or risk thresholds. *** ### **Liquidity Risk** **Description** Doppler Vaults are exposed to ‘Liquidity risk’ because fund settlements can take time, and when redemption requests surge, it must rely on external markets whose liquidity can quickly dry up. Liquidity risk is the risk of being unable to process client redemptions in a timely manner due to insufficient liquid assets. **How Doppler manages/mitigates Liquidity Risk** Doppler Finance employs a multi-layered approach to manage liquidity risk: 1. Liquid Allocation * We maintain at least 30 % of our total portfolio in highly liquid, arbitrage-based “open loan” structures. * These open loans allow full recall and redemption within 24 hours, creating a reliable liquidity buffer for client redemptions. 2. Redemption Terms Aligned with Client Needs * Our open loan funds feature 24-hour settlement terms, comfortably supporting our standard 7-day redemption window. * This ensures that even in normal market conditions, we aim to fulfill withdrawal requests in a timely manner under normal conditions, but delays may occur during periods of high market stress or operational disruption. 3. Bridge Loan Partnerships * We have selected capital partners who provide bridge loans on favorable terms. * In the rare event of an unexpected redemption spike or temporary market dislocation, these bridge loans serve as a secondary source of liquidity—intended to help support timely redemptions. However, availability of such facilities is not guaranteed and may be impacted by market conditions or third-party factors. * Bridge loans are intended to support redemption flow but are not guaranteed and may be impacted by market or third-party conditions. *** ### **Cybersecurity Risk** **Description** Doppler Vaults are exposed to ‘Cybersecurity risk’ because it operates on interconnected digital systems and relies on both centralized infrastructure and smart contracts. Cybersecurity risk is the risk of asset loss due to external cyberattacks, a breach of Doppler’s servers, or a security compromise on the client’s end (e.g., private key theft). Representative examples include: * Backend Server Hack The attacker could manipulate the backend to submit unauthorized withdrawal requests disguised as legitimate ones. * Custody Admin Hack The attacker could modify custody settings or permissions to divert assets out of the secure vault. * Institution’s Private Key Hack If an institution’s wallet keys are compromised, a seemingly valid withdrawal request could be executed, resulting in asset theft. * Smart Contract Vulnerability Exploit An attacker could discover and exploit a bug in Doppler’s or a partner’s smart contract (e.g., reentrancy or logic flaw) to drain funds or lock up user assets. In the event of an exploit, Doppler may pause affected systems, disable contracts, and initiate emergency mitigation procedures. **How Doppler manages/mitigates Counterparty Risk** Backend Server Hack * Monitoring Method * Cross-verify all withdrawal requests against on-chain balances to detect any withdrawals exceeding a user’s actual holdings. * Response Plan * Backend Security Management: Store all service credentials in Google Secret Manager. * Automated Rejection: Any withdrawal request flagged as abnormal by our anomaly detector is automatically rejected and escalated. Custody Admin Hack * Monitoring Method * Require multiple approvers for any custody-setting change. All proposed modifications trigger real-time notifications and await explicit approval before going live. * Response Plan * Hardware-Backed Admin Security: Store admin keys on sealed hardware modules and enforce 2FA on separate devices. * Multi-Sig Approval: A 3-of-6 multisignature scheme ensures that no single compromised key can alter custody settings or move funds. Institution’s Private Key Hack * Monitoring Method * Leverage the 7-day withdrawal notice period to allow institutions to detect and report unauthorized access before final settlement. * Response Plan * Withdrawal Period Safeguard: Institutions can cancel any withdrawal request within 7 days if they suspect key compromise. * Anomaly Alerts: Any unusual interaction with Doppler (e.g., out-of-policy transaction patterns) triggers immediate alerts to both the institution and our security team. * IP Whitelisting: Only pre-approved IP addresses may initiate withdrawal requests on behalf of an institution. Smart Contract Vulnerability Exploit * As a proactive safeguard, all smart contracts undergo comprehensive security audits by top-tier audit firms—while audits help identify potential vulnerabilities, no audit can guarantee complete security. * In the event of an exploit, Doppler may pause affected systems, disable contracts, and initiate emergency mitigation procedures. * Affected users will be notified via communication channels. Doppler will conduct a post-mortem review and transparently publish findings. # Doppler Points ### **DP Campaign** Doppler Finance is pioneering the XRP Ledger (XRPL) DeFi, creating a market that previously did not exist. In this regard, Doppler Finance places **great importance on rewarding early contributors** who utilize the platform from its launch and actively contribute to the growth of the XRPL DeFi market. #### **What is the DP Campaign?** We’re thrilled to announce the launch of **Doppler Points (DP) Campaign** with multiple rounds of **Waves**. This is our way of giving back to the community that believes in the future of XRPfi. The **DP Campaign** is an initiative launching alongside Doppler Finance to reward early adopters and active participants in the XRPfi ecosystem. With this campaign, early users will have the opportunity to contribute to the growth of XRPfi while earning **DP**, our exclusive reward. #### **Why Join the DP Campaign?** 1. **Be an Early Contributor**: Play a pivotal role by pioneering the XRPL DeFi ecosystem with Doppler Finance. 2. **Earn DP Rewards**: Benefit from our tiered boost system and maximize DP earnings. 3. **Shape the Future**: Users’ participation will directly influence the direction and growth of Doppler Finance and XRPfi. #### How to Join **the DP Campaign?** {% content-ref url="/pages/5ybLYwsYs4uMg3DQz8hZ" %} [Doppler Vaults](/user-guide/doppler-vaults) {% endcontent-ref %} ### **How It Works: DP Distribution & Rewards** At the core of the DP Campaign is a fair and transparent point system that rewards users based on their participation. Here’s how it works: #### **1. DP Calculation** For every **$1 worth of tokens deposited**, users earn **0.01 DP per hour**. * DP is calculated based on the **fiat value of the deposited tokens.** * The dollar value of deposited tokens is rounded down (decimal points are ignored). #### **2. Early User DP Boost** To reward our earliest supporters, we’re introducing a **DP Boost** system based on deposit tiers. The boost multipliers are as follows: **XRP Vault - XRP Ledger**
**RLUSD Vault - XRP Ledger**
**RLUSD Vault - Ethereum**
#### **3. Referral program** Doppler Finance supports an incentive-driven referral system that rewards users for inviting friends and expanding the community. Under the referral program **Referred users :** Earn 10% bonus on all their points.\ **Referring users** : Earn 10% of points their referrals accumulate over a lifetime. Users can view their own referral code on Points tab, and they have the option to register someone else's referral code. {% content-ref url="/pages/qIT4n65JHF7TFy0zIWvx" %} [Doppler Points](/user-guide/doppler-points) {% endcontent-ref %} #### **4. Withdrawal Process** Users can claim their XRP seven days after submitting a withdrawal request. During this withdrawal period, they will continue to earn DP on their remaining deposits. # Doppler Vaults ## How to use Doppler Vault? Users can use Doppler Vault via the Doppler Finance UI. This process allows you to deposit XRP, monitor your participation, and potentially earn rewards. ### How to Deposit {% stepper %} {% step %} Go to the [“Vault” tab on Doppler Finance](https://app.doppler.finance/vaults). {% endstep %} {% step %} Click the “Connect Wallet” button in the top right corner to link your wallet. If you don’t have wallet, you can download [Girin Wallet,](https://www.girin.app/) [Xaman Wallet](https://xaman.app/) to use Doppler Finance.
{% endstep %} {% step %} Select which vault you would like to use.
{% endstep %} {% step %} Enter the amount of XRP/RLUSD you’d like to deposit. (For RLUSD Vault, Select network which you'd like to deposit RLUSD first.) {% endstep %} {% step %} Click “Deposit” and confirm the transaction in your wallet. (For Ethereum RLUSD Vault, please approve your RLUSD token first.)
{% endstep %} {% step %} Once the transaction confirms, your deposit is complete. {% endstep %} {% endstepper %} ### How to Withrdaw {% stepper %} {% step %} Go to the [“Vault” tab on Doppler Finance.](https://app.doppler.finance/vaults) {% endstep %} {% step %} Click the “Connect Wallet” button in the top right corner to link your wallet. {% endstep %} {% step %} Select which vault you would like to use. {% endstep %} {% step %} Enter the amount of XRP/RLUSD you’d like to withdraw
{% endstep %} {% step %} Click ”Withdraw” and confirm the transaction in your wallet.
{% endstep %} {% step %} Once the transaction confirms, the withdrawal will be processed after a 7-day withdrawal period. Withdrawals are processed sequentially at a specific time each day, so the withdrawal may be delayed by a few hours beyond exactly 7-day (168 hours).
{% endstep %} {% endstepper %} * Important note * Users will receive their assets seven days after submitting a withdrawal request. This means that once you initiate a withdrawal, there is a 7-day waiting period before your funds become available. * For Ethereum RLUSD Vault, user must claim withdrawed assets manually. # Video Guides **How to use Doppler Finance : Girin Wallet** {% embed url="" %} **How to use Doppler Finance : Xaman Wallet** {% embed url="" %} # Doppler Points ### How to check your referral code {% stepper %} {% step %} Go to the ["Manage" tab on Doppler Finance](https://app.doppler.finance/points/xrpl) and connect your wallet. {% endstep %} {% step %} Check your referral code on "Your DP Referral Code" box.
{% endstep %} {% endstepper %} ### How to register someone else's referral code {% stepper %} {% step %} Go to the ["Manage" tab on Doppler Finance](https://app.doppler.finance/points/xrpl) and connect your wallet. {% endstep %} {% step %} Type referrer's referral code in 'Your Referrer' box. {% endstep %} {% step %} Press the button and sign transaction in your wallet. {% endstep %} {% endstepper %}
# RLUSD #### How to Add RLUSD on the XRP Ledger Wallet
To access Doppler’s RLUSD Vault on the XRP Ledger,\ please ensure you have supported wallet (such as Girin Wallet or Xaman Wallet) prepared, and that the following steps are completed in advance: 1. Your XRP Ledger address must be activated. \ An XRPL address is considered active when it holds at least 1 XRP (the base reserve). 2. You must create an RLUSD trustline. XRPL requires users to explicitly establish a trustline before holding issued assets such as RLUSD. Once these requirements are met, you can receive RLUSD on-chain or transfer RLUSD from an exchange directly to your XRPL address. Below are wallet-specific instructions by wallet providers for adding the RLUSD trustline. Girin Wallet : Xaman Wallet : *** #### How to Buy RLUSD
RLUSD can be acquired either on-chain via decentralized exchanges (DEXs) or through centralized exchanges (CEXs), depending on your preferred network. **On-Chain (DEX)** * XRP Ledger (XRPL): You can swap RLUSD on XRPL-based DEXs such as [Magnetic](https://xmagnetic.org/?network=mainnet) and [XPMarket](https://xpmarket.com/swap/XRP/RLUSD-rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De/market). > Note: To receive or hold RLUSD on XRPL, your wallet must have an active RLUSD trustline before performing the swap. * Ethereum: RLUSD is also available on Ethereum-based DEXs, including [Uniswap](https://app.uniswap.org/) and [Curve Finance](https://www.curve.finance/dex/ethereum/swap). **Centralized Exchanges (CEX)** RLUSD can also be purchased or traded on supported centralized exchanges, including: * [Binance](https://www.binance.com/en/trade/RLUSD_USDT?type=spot) * [Bybit](https://www.bybit.com/en/trade/spot/RLUSD/USDT) * [Bitstamp](https://www.bitstamp.net/) * [Kraken](https://www.kraken.com/) * [Bitget](https://www.bitget.com/) After purchasing on a CEX, RLUSD can be withdrawn to your wallet. For XRPL withdrawals, make sure your wallet has an active RLUSD trustline before initiating the withdrawal. # FAQ Frequently Asked Questions ### Our FAQ provides answer to questions we've been asked on Doppler Finance. Link to the full FAQ [here](https://doppler-finance.notion.site/faq). {% embed url="" %} # Audits We recognize how valuable our users’ assets are. To keep them fully protected, we proactively partner with top-tier security firms that perform rigorous, independent audits of our infrastructure, smart-contract code, and operational processes—ensuring we meet the highest standards of safety and compliance. ### Audits #### Certik - [Website](https://www.certik.com/) * [Audit Report](https://skynet.certik.com/projects/doppler-finance) #### Zenith - [Website](https://www.zenith.security/) * [Audit Report](https://github.com/zenith-security/reports/blob/main/reports/Doppler%20Finance%20%232%20-%20Zenith%20Audit%20Report.pdf) # Transparency Report Doppler Finance is committed to maintaining the highest standards of transparency for our users. To ensure the long-term sustainability and transparency of the XRPfi ecosystem, we are sharing a comprehensive Transparency Report on a regular basis. #### Transparency Reports {% embed url="" %} {% embed url="" %} {% embed url="" %} # Privacy Policy This Privacy Policy ("Policy") outlines the data collection, usage, and sharing practices of \[Resonance Inc] (referred to herein as "Resonance," "Company," "we," "us," or "our") in relation to Doppler Finance and all other properties, products, and services (collectively, the "Services"). This Policy operates in conjunction with our Terms of Service and governs your utilization of the Services in compliance with Panamanian law. 1\. Data Collection and Processing When you engage with the Services, we collect data as follows: i. Publicly-available blockchain data – When you connect your non-custodial blockchain wallet to the Services, we collect and maintain records of your publicly-available blockchain address for analyzing service utilization and conducting wallet screening to prevent illicit activities, in compliance with Panamanian regulations concerning financial and anti-money laundering (AML) laws. ii. Information from third-party sources – We may obtain wallet-related or transaction data from service providers to meet our legal obligations and prevent fraudulent or illicit activities as mandated by Panamanian law. iii. Communications and correspondence – We maintain records of communications through email, customer support channels, social media, and surveys. iv. Voluntarily provided information – Any data explicitly provided by users (e.g., email addresses) will be used for disclosed purposes, without correlating such data with blockchain or IP addresses, in compliance with Law No. 81 of March 26, 2019, on Personal Data Protection in Panama. 2\. Use of Collected Data We use collected data as follows: * Service Delivery and Enhancement – To maintain and improve the functionality of our Services. * Support Services – To provide customer support. * Security and Risk Management – To detect and prevent fraudulent, unauthorized, or unlawful activities. * Legal Compliance – To comply with Panamanian regulatory requirements, including financial regulations, AML laws, and cybersecurity mandates. * Statistical Analysis – To generate insights for improving user experience and Service efficiency. 3\. Sharing of Data We may share data under the following circumstances: * Service Providers – We may share data with authorized third-party vendors and infrastructure providers (e.g., Ceffu and Fireblocks) to facilitate technical and security operations, ensuring compliance with Panamanian financial and cybersecurity regulations. * Legal Obligations – We may disclose data as required under Panamanian law, including cooperation with regulators, law enforcement, or in response to legal proceedings. * Security and Fraud Prevention – To detect and prevent fraudulent, unauthorized, or unlawful activities. * Corporate Changes – If there is a business restructuring, merger, acquisition, or sale, data may be transferred per Panamanian corporate laws. * User Authorization – Data may be shared if explicitly authorized by the user 4\. Third-party Cookies We use tracking technologies, such as cookies, to enhance user experience. Users can opt out of third-party data collection in accordance with Panamanian privacy laws 5\. Third-Party Links and Sites Our Services may contain links to third-party platforms. We are not responsible for the data practices of external websites, and users are encouraged to review their privacy policies. Such third-party integrations may include, without limitation, hyperlinks to websites, platforms, and services that are not under our operation or control. You acknowledge and understand that when you engage with such third parties, including instances where you navigate away from the Site, these parties may independently gather information about you and request information directly from you. The collection and utilization of your data by such third parties is governed by their respective privacy policies and terms of service, which you may review to understand their data practices. 6\. Security We employ and maintain commercially reasonable security measures, including administrative protocols, physical safeguards, and technical controls designed to protect information from unauthorized access, accidental loss, improper use, disclosure, alteration, and destruction. However, data transmission over the internet inherently involves certain security risks, and accordingly, we cannot guarantee absolute security of information transmitted through our Services. We implement industry-standard security measures to protect data. However, while we take precautions, we cannot guarantee absolute security, and users are responsible for safeguarding their blockchain wallets and cryptographic keys. 7\. Retention of Information We retain data only as necessary for the purposes outlined in this Policy and as required by Panamanian law, including tax, anti-money laundering, and regulatory compliance. We may also keep your data for as long as it is needed in relation to a legal claim, complaint, litigation or regulatory proceedings. 8\. Changes to the Privacy Policy If this Policy is modified, we will notify users through our Services. Continued use of the Services signifies acceptance of the revised terms. 9\. Contact Us If you have any questions about this Policy or how we collect, use, or share your information, please contact us at .\ \ Last Modified: \[25.02.14] *** # Terms of Service These Terms of Service (the "Agreement") explain the terms and conditions by which you may access and use the Products provided by Resonance Inc. (referred to herein as "Resonance", "we", "our", or "us"). The Products shall include, but shall not necessarily be limited to, (a) Doppler Finance, an autonomous system of programs relating to the Ripple Protocol (XRP Ledger) which allows you to deposit and earn rewards by depositing XRP (the native token of the XRP Ledger), providing your virtual assets as liquidity in exchange for returns, and utilizing liquid staking tokens to earn returns (the “Doppler Finance”, “Platform” or “Application”); and (b) any other products and services that link to this Agreement (together with the Doppler Finance, the “Products”). This Agreement sets forth binding terms governing all access to and usage of the Products. Your access or utilization of any Product constitutes acknowledgment, comprehension, and acceptance of all terms and conditions contained herein. Any individual who does not assent to these terms in their entirety is expressly prohibited from accessing or utilizing the Products and must immediately cease any attempted use thereof. The formation of a valid contractual relationship with us, and the ability to use any of our Products, requires that you possess the legal capacity to enter into binding agreements. You hereby warrant and represent that: (i) you have attained the age of legal majority as defined in your jurisdiction of residence; and (ii) you possess the requisite legal capacity, authority, and competence to enter into and perform the obligations set forth in this Agreement, whether on your own behalf or on behalf of any business entity you represent in accessing or utilizing the Application. In instances where you act on behalf of a legal entity, you expressly warrant your possession of proper authorization to legally bind said entity. Any person or entity that is subject to applicable sanctions, trade restrictions, or similar measures, or that is otherwise prohibited from accessing or using the Products under applicable law (a “Restricted Person”), is not permitted to access or use any part of the Products. This includes, without limitation, any person or entity that is listed on, or owned or controlled by a person or entity listed on, sanctions or restricted party lists maintained by the United States (including the Office of Foreign Assets Control of the U.S. Department of the Treasury), the United Nations, Panama, or any other applicable governmental or international authority, as well as any person or entity that is located in, ordinarily resident in, incorporated or organized under the laws of, or maintaining a registered office in, a jurisdiction that is subject to comprehensive sanctions, embargoes, or other similar restrictive measures, or in which access to or use of virtual asset services is prohibited or restricted under applicable law. In addition, any person or entity with respect to whom the Company determines, in its reasonable discretion, that continued availability of the Products would pose legal, regulatory, compliance, or sanctions-related risk shall be deemed a Restricted Person for purposes of these Terms. Without limiting the foregoing, persons or entities that are residents of, located in, or organized under the laws of the United States are not eligible to access or use any part of the Products. No part of the Products is offered or made available to any Restricted Person. The Company may implement reasonable measures to enforce these restrictions, including IP-based geofencing and other risk-based technical or operational controls. By accessing or using the Products, you represent and warrant that you are not a Restricted Person. You agree to use our Products in strict compliance with all applicable laws, regulations, and decrees of Panama, including but not limited to the Law No. 23 of 2015, which regulates measures to prevent money laundering, financing of terrorism, and proliferation of weapons of mass destruction. Users must ensure that their activities on the Platform comply with all Panamanian financial, data protection, and commercial regulations. We comply with Panamanian data protection laws, including Law 81 of 2019 on Personal Data Protection. We collect, store, and process user data only as necessary to provide our Products and in accordance with our Privacy Policy. By using our Products, you consent to the collection and processing of your personal data under Panamanian law. Furthermore, you affirm that you are not: (i) subject to any economic or trade sanctions imposed or administered by any governmental authority; or (ii) identified on any roster of restricted or prohibited parties (including, without limitation, those persons or entities enumerated on the Specially Designated Nationals and Blocked Persons List maintained by the Office of Foreign Assets Control of the United States Department of the Treasury). Additionally, you expressly warrant that your interaction with our Products shall strictly conform to all applicable laws and regulations, and you undertake not to access or employ our Products for purposes of conducting, facilitating, or promoting any activities that contravene applicable law. 1\. Our Products 1.1 The Protocol The Interface provides a web means of access to a decentralized protocol on XRP public blockchain or its related blockchains, that allows users to deposit certain compatible digital assets (the "Doppler Protocol" or the "Protocol"). The Application consists of self-executing programs that are deployed on public blockchains such as the XRP Ledger. Resonance does not control or operate any version of the Protocol on any blockchain network. By using the Application, you understand that you are not buying or selling digital assets from us and that we do not operate any liquidity pools on the Protocol or control trade execution on the Protocol. The Protocol may be deployed on other blockchain ledgers other than the XRP Ledger. Deployments on other networks typically make use of cross-chain bridges, which allow assets native to one blockchain to be transferred to another blockchain. Please note that digital assets that have been "bridged" or "wrapped" to operate on other blockchain networks (including to blockchains compatible with the XRP Ledger) are distinct from the original assets native to the XRP Ledger. To access the Protocol, you must use a third-party wallet software, which allows you to interact with blockchains. Your relationship with that third-party wallet provider is governed by the applicable terms of service (with respect to a third party wallet, the applicable terms of service of such third party). We do not have custody or control over the contents of your wallet and have no ability to retrieve or transfer its contents. By connecting your wallet to our Application or Protocol, you agree to be bound by this Agreement and all of the terms incorporated herein by reference. 1.2 Access through Third Party Partners We may make certain Products, including access to our APIs, liquidity services, and data, accessible or usable through interfaces, products or services provided by certain third party partners, such as exchanges and trading platforms (each a “Third Party Partner”). You agree that your use of the Products through an interface, product or service provided by one of our Third Party Partners is nonetheless still subject to the terms and conditions of this Agreement. 1.3 Other Products We may from time to time in the future offer additional products, and such additional products shall be considered a Product as used herein, regardless of whether such product is specifically defined in this Agreement. 1.4 Third Party Services and Content The Products may incorporate or provide access to various services, websites, technologies, content, and resources (individually and collectively referred to as "Third-Party Services"). Your utilization of such Third-Party Services may be governed by separate terms of service, privacy policies, and other contractual arrangements with the respective third-party providers. Any fees, expenses, or charges incurred through your use of Third-Party Services shall be your sole responsibility, and not that of Resonance. While Resonance facilitates access to Third-Party Services for convenience purposes only, such integration or availability does not constitute an endorsement, verification, or recommendation of these Third-Party Services. All interactions and transactions conducted with third parties in connection with your use of the Products shall be solely between you and such third parties. Resonance expressly disclaims any liability, whether direct or indirect, for any losses, damages, or claims allegedly arising from or in connection with your use of or reliance upon any Third-Party Services. Certain Third-Party Services will grant us access to information that you have furnished to third parties, including information provided through such Third-Party Services. Any such information shall be utilized, maintained, and disclosed by us in accordance with the provisions set forth in our Privacy Policy. Our Privacy Policy contains detailed information regarding the implications of enabling Third-Party Services and our practices concerning the usage, storage, and disclosure of information pertaining to you and your utilization of Third-Party Services within our Products. We expressly disclaim any control over Third-Party Services and bear no responsibility for: (i) the accuracy of information shared by or accessible through Third-Party Services; (ii) the availability of Third-Party Services; (iii) the reliability of Third-Party Services; (iv) the completeness of information available through Third-Party Services; or (v) the privacy practices implemented by Third-Party Services. 2\. Modifications 2.1 Modifications of this Agreement We reserve the right to amend or update this Agreement at our sole discretion, in compliance with Panamanian law. Material amendments will be communicated by updating the effective date displayed at the beginning of this Agreement. Continued use of any Product subsequent to such posting shall constitute conclusive acceptance of the amended Agreement. 2.2 Modifications of our Products We reserve the following rights, which do not constitute obligations of ours: (a) with or without notice to you, to modify, substitute, eliminate or add to any of the Products; (b) to review, modify, filter, disable, delete and remove any and all content and information from any of the Products. 3\. Intellectual Property Rights All intellectual property rights and other proprietary interests in the Products and their constituent elements, including without limitation all software, textual content, images, trademarks, service marks, copyrights, patents, designs, and visual presentation, are exclusively owned by us. Pursuant to the terms and conditions set forth in this Agreement, you are hereby granted a limited, terminable, non-exclusive license to access and utilize the Products, which license may not be sublicensed or transferred to any third party. Such license permits usage solely in compliance with this Agreement. You expressly acknowledge and agree that you shall not engage in any unauthorized use, modification, distribution, interference with, reverse engineering, disassembly, or decompilation of the Products for any purpose whatsoever, except as explicitly authorized under this Agreement. This Agreement confers no rights or licenses to you with respect to the Products or any intellectual property contained therein, except as expressly provided herein. 4\. Your Responsibilities 4.1 Prohibited Activity You agree not to engage in, or attempt to engage in, any of the following categories of prohibited activity in relation to your access and use of the Interface: A. Intellectual Property Infringement. Activity that infringes on or violates any copyright, trademark, service mark, patent, right of publicity, right of privacy, or other proprietary or intellectual property rights under the law. B. Cyberattack. Activity that seeks to interfere with or compromise the integrity, security, or proper functioning of any computer, server, network, personal device, or other information technology system, including, but not limited to, the deployment of viruses and denial of service attacks. C. Fraud and Misrepresentation. Activity that seeks to defraud us or any other person or entity, including, but not limited to, providing any false, inaccurate, or misleading information in order to unlawfully obtain the property of another. D. Market Manipulation. Activity that violates any applicable law, rule, or regulation concerning the integrity of trading markets, including, but not limited to, the manipulative tactics commonly known as "rug pulls", pumping and dumping, and wash trading. E. Securities and Derivatives Violations. Activity that violates any applicable law, rule, or regulation concerning the trading of securities or derivatives, including, but not limited to, the unregistered offering of securities and the offering of leveraged and margined commodity products to retail customers under any applicable law. F. Sale of Stolen Property. Buying, selling, or transferring of stolen items, fraudulently obtained items, items taken without authorization, and/or any other illegally obtained items. G. Data Mining or Scraping. Activity that involves data mining, robots, scraping, or similar data gathering or extraction methods of content or information from any of our Products. H. Any Other Unlawful Conduct. Activity that violates any applicable law, rule, or regulation of Panama or another relevant jurisdiction, including, but not limited to, the restrictions and regulatory requirements imposed by Panama law. 4.2 Trading You hereby acknowledge and represent that: (i) each transaction executed by you through any of our Products constitutes an unsolicited trade initiated solely at your discretion and direction; (ii) no investment advice, guidance, or recommendations have been provided by us in connection with any transactions you execute; and (iii) we do not evaluate or assess the appropriateness or suitability of any transactions you choose to execute. 4.3 No Asset Control; Disclaimer of Fiduciary Duty Each Product operates exclusively as a non-custodial application, and accordingly, we do not at any time possess, control, or maintain custody of your digital assets. Certain features of the Platform or Products may require you to access and activate a self-executing smart contract to perform certain transactions. You agree and accept that all such transactions executed through smart contracts and programs are irrevocable, and that you remain in sole and full control of your digital assets. We do not custody your digital assets, nor do we collect or hold your keys or information. Your digital assets and your keys will be held by you directly, or held with a third party custody service provider that the Platform may utilize. We do not, and we have the ability to, control or transfer ownership of your digital assets without the approval or collaboration of such custody providers. You assume sole responsibility for all matters relating to your wallet, and we shall not be held liable for any actions, omissions, or consequences resulting from any compromise of your wallet security. This Agreement is not intended to, and does not, create or impose any fiduciary duties on us. To the fullest extent permitted by law, you acknowledge and agree that we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated. You further agree that the only duties and obligations that we owe you are those set out expressly in this Agreement. 4.4 Compliance and Tax Obligations Access to and use of our Products may be restricted or prohibited in certain jurisdictions. You hereby acknowledge and accept sole and complete responsibility for ensuring compliance with all laws and regulations applicable to you in connection with your access to and use of our Products. Your utilization of our Products or the Protocol may give rise to various tax obligations, including but not limited to income tax, capital gains tax, value-added tax, goods and services tax, or sales tax, depending on your jurisdiction of residence or operation. Users are solely responsible for determining and fulfilling any tax obligations applicable under Panamanian law. Resonance is not liable for any taxation duties arising from your use of the Products, including but not limited to income tax, capital gains tax, and VAT. 4.5 Release of Claims YOU EXPRESSLY AGREE THAT YOU ASSUME ALL RISKS IN CONNECTION WITH YOUR ACCESS AND USE OF ANY OF OUR PRODUCTS. YOU FURTHER EXPRESSLY WAIVE AND RELEASE US FROM ANY AND ALL LIABILITY, CLAIMS, CAUSES OF ACTION, OR DAMAGES ARISING FROM OR IN ANY WAY RELATING TO YOUR USE OF ANY OF OUR PRODUCTS. 5\. DISCLAIMERS 5.1 ASSUMPTION OF RISK BY ACCESSING AND USING ANY OF OUR PRODUCTS, YOU REPRESENT THAT YOU ARE FINANCIALLY AND TECHNICALLY SOPHISTICATED ENOUGH TO UNDERSTAND THE INHERENT RISKS ASSOCIATED WITH USING CRYPTOGRAPHIC AND BLOCKCHAIN-BASED SYSTEMS, AND THAT YOU HAVE A WORKING KNOWLEDGE OF THE USAGE AND INTRICACIES OF DIGITAL ASSETS SUCH AS RIPPLE (XRP), STABLECOINS, AND OTHER DIGITAL TOKENS. IN PARTICULAR, YOU UNDERSTAND THAT THE MARKETS FOR THESE DIGITAL ASSETS ARE NASCENT AND HIGHLY VOLATILE DUE TO RISK FACTORS INCLUDING, BUT NOT LIMITED TO, ADOPTION, SPECULATION, TECHNOLOGY, SECURITY, AND REGULATION. YOU UNDERSTAND THAT ANYONE CAN CREATE A TOKEN, INCLUDING FAKE VERSIONS OF EXISTING TOKENS AND TOKENS THAT FALSELY CLAIM TO REPRESENT PROJECTS, AND ACKNOWLEDGE AND ACCEPT THE RISK THAT YOU MAY MISTAKENLY TRADE THOSE OR OTHER TOKENS. TOKENS NAMED STABLECOINS MAY NOT BE AS STABLE AS THEY PURPORT TO BE, MAY NOT BE FULLY OR ADEQUATELY COLLATERALIZED, AND MAY BE SUBJECT TO PANICS AND RUNS. FURTHER, YOU UNDERSTAND THAT SMART CONTRACT TRANSACTIONS AUTOMATICALLY EXECUTE AND SETTLE, AND THAT BLOCKCHAIN-BASED TRANSACTIONS ARE IRREVERSIBLE WHEN CONFIRMED. YOU ACKNOWLEDGE AND ACCEPT THAT THE COST AND SPEED OF TRANSACTING WITH CRYPTOGRAPHIC AND BLOCKCHAIN-BASED SYSTEMS SUCH AS XRPL ARE VARIABLE AND MAY INCREASE DRAMATICALLY AT ANY TIME. IF YOU ACT AS A LIQUIDITY PROVIDER TO THE PROTOCOL THROUGH THE INTERFACE, YOU UNDERSTAND THAT YOUR DIGITAL ASSETS MAY LOSE SOME OR ALL OF THEIR VALUE WHILE THEY ARE SUPPLIED TO THE PROTOCOL THROUGH THE INTERFACE DUE TO THE FLUCTUATION OF PRICES OF TOKENS IN A TRADING PAIR OR LIQUIDITY POOL. FINALLY, YOU UNDERSTAND THAT WE DO NOT CREATE, OWN, OR OPERATE CROSS-CHAIN BRIDGES AND WE DO NOT MAKE ANY REPRESENTATION OR WARRANTY ABOUT THE SAFETY OR SOUNDNESS OF ANY CROSS-CHAIN BRIDGE. YOU ACKNOWLEDGE THAT WE ARE NOT RESPONSIBLE FOR ANY OF THESE VARIABLES OR RISKS, DO NOT OWN OR CONTROL THE PROTOCOL, AND CANNOT BE HELD LIABLE FOR ANY RESULTING LOSSES THAT YOU EXPERIENCE WHILE ACCESSING OR USING ANY OF OUR PRODUCTS. ACCORDINGLY, YOU UNDERSTAND AND AGREE TO ASSUME FULL RESPONSIBILITY FOR ALL OF THE RISKS OF ACCESSING AND USING THE INTERFACE TO INTERACT WITH THE PROTOCOL. 5.2 NO WARRANTIES EACH OF OUR PRODUCTS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ANY REPRESENTATIONS AND WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF EACH OF OUR PRODUCTS IS AT YOUR OWN RISK. WE DO NOT REPRESENT OR WARRANT THAT ACCESS TO ANY OF OUR PRODUCTS WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY, OR SECURE; THAT THE INFORMATION CONTAINED IN ANY OF OUR PRODUCTS WILL BE ACCURATE, RELIABLE, COMPLETE, OR CURRENT; OR THAT ANY OF OUR PRODUCTS WILL BE FREE FROM ERRORS, DEFECTS, VIRUSES, OR OTHER HARMFUL ELEMENTS. NO ADVICE, INFORMATION, OR STATEMENT THAT WE MAKE SHOULD BE TREATED AS CREATING ANY WARRANTY CONCERNING ANY OF OUR PRODUCTS. WE DO NOT ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY ADVERTISEMENTS, OFFERS, OR STATEMENTS MADE BY THIRD PARTIES CONCERNING ANY OF OUR PRODUCTS. SIMILARLY, THE PROTOCOL IS PROVIDED "AS IS", AT YOUR OWN RISK, AND WITHOUT WARRANTIES OF ANY KIND. ALTHOUGH WE CONTRIBUTED TO THE INITIAL CODE FOR THE PROTOCOL, WE DO NOT PROVIDE, OWN, OR CONTROL THE PROTOCOL, WHICH IS RUN AUTONOMOUSLY WITHOUT ANY HEADCOUNT BY SMART CONTRACTS DEPLOYED ON VARIOUS BLOCKCHAINS. UPGRADES AND MODIFICATIONS TO THE PROTOCOL ARE GENERALLY MANAGED IN A COMMUNITY-DRIVEN WAY BY HOLDERS OF THE GOVERNANCE TOKEN OF THE PROTOCOL. NO DEVELOPER OR ENTITY INVOLVED IN CREATING THE PROTOCOL WILL BE LIABLE FOR ANY CLAIMS OR DAMAGES WHATSOEVER ASSOCIATED WITH YOUR USE, INABILITY TO USE, OR YOUR INTERACTION WITH OTHER USERS OF, THE PROTOCOL, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES, OR LOSS OF PROFITS, CRYPTOCURRENCIES, TOKENS, OR ANYTHING ELSE OF VALUE. WE DO NOT ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY ADVERTISEMENTS, OFFERS, OR STATEMENTS MADE BY THIRD PARTIES CONCERNING ANY OF OUR PRODUCTS. ANY PAYMENTS OR FINANCIAL TRANSACTIONS THAT YOU ENGAGE IN WILL BE PROCESSED VIA AUTOMATED SMART CONTRACTS. ONCE EXECUTED, WE HAVE NO CONTROL OVER THESE PAYMENTS OR TRANSACTIONS, NOR DO WE HAVE THE ABILITY TO REVERSE ANY PAYMENTS OR TRANSACTIONS. 5.3 NO INVESTMENT ADVICE PROVIDED WE MAY PROVIDE INFORMATION ABOUT TOKENS IN OUR PRODUCTS SOURCED FROM THIRD-PARTY DATA PARTNERS. THE PROVISION OF INFORMATIONAL MATERIALS DOES NOT MAKE TRADES IN THOSE TOKENS SOLICITED; WE ARE NOT ATTEMPTING TO INDUCE YOU TO MAKE ANY PURCHASE AS A RESULT OF INFORMATION PROVIDED. ALL SUCH INFORMATION PROVIDED BY ANY OF OUR PRODUCTS IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS INVESTMENT ADVICE OR A RECOMMENDATION THAT A PARTICULAR TOKEN IS A SAFE OR SOUND INVESTMENT. YOU SHOULD NOT TAKE, OR REFRAIN FROM TAKING, ANY ACTION BASED ON ANY INFORMATION CONTAINED IN ANY OF OUR PRODUCTS. BY PROVIDING TOKEN INFORMATION FOR YOUR CONVENIENCE, WE DO NOT MAKE ANY INVESTMENT RECOMMENDATIONS TO YOU OR OPINE ON THE MERITS OF ANY TRANSACTION OR OPPORTUNITY. YOU ALONE ARE RESPONSIBLE FOR DETERMINING WHETHER ANY INVESTMENT, INVESTMENT STRATEGY OR RELATED TRANSACTION IS APPROPRIATE FOR YOU BASED ON YOUR PERSONAL INVESTMENT OBJECTIVES, FINANCIAL CIRCUMSTANCES, AND RISK TOLERANCE. 6\. Indemnification You agree to hold harmless, release, defend, and indemnify us, our affiliates and our and our affiliates' respective officers, directors, employees, contractors, agents, service providers, licensors, and representatives (collectively, the "Resonance Parties") from and against all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from or relating to: (a) your access and use of any of our Products; (b) your violation of any term or condition of this Agreement, the right of any third party, or any other applicable law, rule, or regulation; (c) any other party's access and use of any of our Products with your assistance or using any device or account that you own or control; and (d) any dispute between you and (i) any other user of any of the Products or (ii) any of your own customers or users. We will provide notice to you of any such claim, suit, or proceeding. We reserve the right to assume the exclusive defense and control of any matter which is subject to indemnification under this section, and you agree to cooperate with any reasonable requests assisting our defense of such matter. You may not settle or compromise any claim against any Resonance Party without our written consent. 7\. Limitation of Liability UNDER NO CIRCUMSTANCES SHALL WE OR ANY OF RESONANCE PARTIES BE LIABLE TO YOU FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE PROPERTY, ARISING OUT OF OR RELATING TO ANY ACCESS OR USE OF OR INABILITY TO ACCESS OR USE ANY OF THE PRODUCTS, NOR WILL WE BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF ANY OF THE PRODUCTS OR THE INFORMATION CONTAINED WITHIN IT, WHETHER SUCH DAMAGES ARE BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH AUTHORIZED OR UNAUTHORIZED USE OF ANY OF THE PRODUCTS, EVEN IF AN AUTHORIZED REPRESENTATIVE OF RESONANCE HAS BEEN ADVISED OF OR KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY: (A) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (B) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM ANY ACCESS OR USE OF THE INTERFACE; (C) UNAUTHORIZED ACCESS OR USE OF ANY SECURE SERVER OR DATABASE IN OUR CONTROL, OR THE USE OF ANY INFORMATION OR DATA STORED THEREIN; (D) INTERRUPTION OR CESSATION OF FUNCTION RELATED TO ANY OF THE PRODUCTS; (E) BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH THE INTERFACE; (F) ERRORS OR OMISSIONS IN, OR LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF, ANY CONTENT MADE AVAILABLE THROUGH ANY OF THE PRODUCTS; AND (G) THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY. WE HAVE NO LIABILITY TO YOU OR TO ANY THIRD PARTY FOR ANY CLAIMS OR DAMAGES THAT MAY ARISE AS A RESULT OF ANY PAYMENTS OR TRANSACTIONS THAT YOU ENGAGE IN BY ANY OF OUR PRODUCTS, OR ANY OTHER PAYMENT OR TRANSACTIONS THAT YOU CONDUCT BY ANY OF OUR PRODUCTS. EXCEPT AS EXPRESSLY PROVIDED FOR HEREIN, WE DO NOT PROVIDE REFUNDS FOR ANY PURCHASES THAT YOU MIGHT MAKE ON OR THROUGH ANY OF OUR PRODUCTS. WE MAKE NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, ABOUT LINKED THIRD PARTY SERVICES, THE THIRD PARTIES THEY ARE OWNED AND OPERATED BY, THE INFORMATION CONTAINED ON THEM, ASSETS AVAILABLE THROUGH THEM, OR THE SUITABILITY, PRIVACY, OR SECURITY OF THEIR PRODUCTS OR SERVICES. YOU ACKNOWLEDGE SOLE RESPONSIBILITY FOR AND ASSUME ALL RISK ARISING FROM YOUR USE OF THIRD-PARTY SERVICES, THIRD-PARTY WEBSITES, APPLICATIONS, OR RESOURCES. WE SHALL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR DAMAGES ARISING OUT OF OR IN ANY WAY RELATED TO SOFTWARE, PRODUCTS, SERVICES, AND/OR INFORMATION OFFERED OR PROVIDED BY THIRD-PARTIES AND ACCESSED THROUGH ANY OF OUR PRODUCTS. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES (OTHER THAN AS MAY BE REQUIRED BY APPLICABLE LAW IN CASES INVOLVING PERSONAL INJURY) EXCEED THE AMOUNT OF \[ONE HUNDRED DOLLARS ($100.00) OR ITS EQUIVALENT IN THE LOCAL CURRENCY OF THE APPLICABLE JURISDICTION]. 8\. Governing Law and Dispute Resolution 8.1 Governing Law This Agreement shall be governed by and construed in accordance with the laws of the Republic of Panama. Any disputes arising from or in connection with this Agreement shall be referred to and finally resolved by arbitration administered by the Center for Conciliation and Arbitration of Panama (CeCAP) in accordance with its rules in force at the time. By using our Products, you acknowledge and agree to be bound by these terms, as governed by Panamanian law. 9\. Miscellaneous 9.1 Entire Agreement These terms constitute the entire agreement between you and us with respect to the subject matter hereof. This Agreement supersedes any and all prior or contemporaneous written and oral agreements, communications and other understandings (if any) relating to the subject matter of the terms. 9.2 Assignment You may not assign or transfer this Agreement, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer this Agreement without our prior written consent shall be null and void. We may freely assign or transfer this Agreement. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors and permitted assigns. 9.3. Notices We may provide any notice to you under this Agreement using commercially reasonable means, including using public communication channels. Notices we provide by using public communication channels will be effective upon posting. 9.4 Severability If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any government agency, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any applicable law and the validity or enforceability of any other provision of this Agreement shall not be affected.\ \ Last Modified: \[25.02.14] # General Risk Disclosures Please consider the information contained in this Risk Disclosure Statement (“Statement”) as a general overview of the risks associated with the services offered by Doppler Finance and its affiliates (collectively, the “Services”). This Statement is provided solely for informational purposes and does not constitute legal, financial, or investment advice. We make no representations or warranties regarding the suitability of the Services to your circumstances, or the reliability, accuracy, or completeness of the information provided herein. We do not guarantee any financial outcomes from the use of the Services or this Statement. You should not rely solely on the information contained herein when deciding whether to use the Services. This Statement provides a high-level overview of certain risks associated with crypto assets, but it is not exhaustive. It does not address all risks involved in holding, transferring, or transacting with crypto assets. You are solely responsible for conducting your own due diligence and evaluating the suitability of the Services in light of your financial situation, investment experience, objectives, and risk tolerance. You should not engage in crypto-related activities unless you fully understand their nature and your potential exposure to risk. Additional risk disclosures and terms of service may apply to specific products or offerings by Doppler Finance or its affiliates. Where applicable, such documents will take precedence over this Statement. Users should consult those terms in conjunction with this general disclosure. In this Statement, “you”, “your”, or “User” refers to any user of the Services. “We”, “our”, or “Doppler” refers to Doppler Finance and its affiliates. **RISK OF LOSS IN DEALING WITH CRYPTO ASSETS CAN BE SUBSTANTIAL. YOU SHOULD, THEREFORE, CAREFULLY CONSIDER WHETHER SUCH ACTIVITIES ARE APPROPRIATE FOR YOU GIVEN YOUR CIRCUMSTANCES, OBJECTIVES, AND FINANCIAL RESOURCES.**\
**Crypto Assets Are Not Legal Tender** Crypto assets are not recognized as legal tender in most jurisdictions and are not backed by any government or central authority. There is no assurance that a person who accepts crypto assets as payment today will continue to do so in the future. Holders rely on decentralized, peer-to-peer systems with no obligation from others to accept such assets in commerce.\
**Loss of Value, Volatility, and Uncertainty** Crypto assets are highly volatile and subject to unpredictable price swings. Their valuation often lacks underlying fundamentals, leading to sudden and irrational market movements. You may experience significant or total loss of value. **Liquidity Risk** Certain crypto assets may have limited liquidity, making it difficult or impossible to exit positions during times of market stress or volatility.\
**Financial Crime and Cybersecurity Risks** The digital nature of crypto assets exposes users to cyberattacks and criminal activities. Examples include 51% attacks, malware, phishing, and hijacked wallet addresses. Users must protect their credentials and verify URLs or addresses before transacting or interacting with protocols. **Technology Risks** Crypto transactions rely on complex software and blockchain protocols, which may be prone to bugs, failures, or exploitation. Risks include unintended execution, protocol defects, software vulnerabilities, or systemic failures in the underlying technology. These events may result in loss of assets or inability to access the Services. **Third-Party Risk** Certain aspects of the Services may rely on third parties such as custodians, validators, and trading venues. You may be subject to their terms and operational standards. Doppler assumes no liability for their actions, omissions, insolvency, or technical failures. **Taxation and Information Disclosure** You are solely responsible for determining and reporting your tax obligations related to your use of the Services. Doppler does not provide tax or legal advice. Where required by applicable law, we may disclose information to regulatory or tax authorities or withhold taxes as necessary. **No Investment or Legal Advice** No communication from Doppler should be considered legal, financial, investment, or trading advice. You are solely responsible for determining the appropriateness of any activity involving crypto assets in light of your personal circumstances. **Regulatory Risk** The legal status of crypto assets varies by jurisdiction and is subject to change. Regulatory developments may affect the availability or legality of the Services and could materially impact the value or use of crypto assets. Users are responsible for ensuring that their use of the Services complies with applicable laws. # Disclaimer IMPORTANT NOTICE AND DISCLAIMER The Platform, Protocol, and all associated services are provided strictly “as is”, without any representations, warranties, or guarantees of any kind, whether express or implied. We expressly disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, availability, security, or accuracy. You acknowledge and understand that blockchain-based transactions cannot be canceled or modified and may be subject to extreme price volatility, technical vulnerabilities, and regulatory uncertainty. By accessing or using the Platform, you assume full and complete responsibility for all risks associated with such use, including but not limited to: potential loss of value in digital assets, smart contract vulnerabilities, market fluctuations, regulatory compliance obligations, and security risks. You acknowledge that we do not provide investment advice, have no control over the Protocol’s autonomous operation, and cannot reverse or modify blockchain transactions. You agree to bear sole responsibility for evaluating the appropriateness of any transactions, maintaining the security of your digital wallets and private keys, and ensuring compliance with all applicable laws and regulations, including tax obligations.