Risk Disclosure
Paying with crypto-assets carries real risk. Please read this disclosure before you add funds to a Rupto wallet. If anything here is not acceptable to you, do not use Rupto.
Last updated · 21 May 2026
Price volatility
The rupee value of USDT and other crypto-assets can change quickly. USDT aims to track the US dollar, but that peg is not guaranteed and has moved away from one dollar in the past.
Not legal tender
Crypto-assets are not issued, backed, or guaranteed by the Reserve Bank of India or the Government of India. No authority guarantees their value, or that you will be able to convert them into rupees.
Regulatory risk
The law and policy for virtual digital assets in India continue to evolve. Future changes — to regulation, taxation, or banking access — could restrict or affect how you use Rupto, and may take effect at short notice.
Irreversible transactions
Blockchain transfers and completed UPI payments cannot be reversed. Sending funds to a wrong address, on a wrong or unsupported network, or to an incorrect UPI ID can cause permanent and unrecoverable loss.
Counterparty and settlement risk
Payments are completed by independent settlement partners. On-chain escrow is designed to protect you from partner default, but the time a settlement takes depends on partners, banks, and networks, and can be delayed beyond the typical few minutes.
Technology risk
Software, smart contracts, blockchains, and internet infrastructure can fail, contain defects, or be attacked. Network congestion can delay deposits, payments, and withdrawals.
Security risk
Your account can be targeted by phishing, SIM-swap attacks, malware, and social engineering. Protect your email, OTPs, and devices. Rupto staff will never ask you for your password or an OTP.
Liquidity risk
At busy times, or for unusual amounts, a settlement partner may not be available at the rate or speed you expect.
Tax risk
Transactions in virtual digital assets carry tax consequences in India, including TDS and tax on gains. Meeting your tax obligations is your responsibility.
No advice
Rupto provides a payment tool. Nothing in the app or on this website is investment, legal, or tax advice. Make your own assessment, and seek independent professional advice if you need it.
Your acknowledgement
By funding a wallet and using Rupto, you confirm that you have read and understood these risks, that you accept them, and that you use the service at your own discretion and risk.