Risk disclosure

Important information regarding the risks associated with buying, selling, and holding Bitcoin via Coinfinity. Coinfinity acts in the best interests of its customers and communicates honestly, clearly, and transparently. Coinfinity GmbH is authorized as a crypto-asset service provider (CASP) in accordance with Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCAR). The relevant supervisory authority is the Financial Market Authority (FMA), Vienna, Austria.

As of: 06/2026


1. Market Price Risk and Volatility

The price of Bitcoin is highly volatile and can fluctuate significantly within a very short period of time. Prices may fall temporarily or permanently and may not recover. Past performance is not a reliable indicator of future performance.


2. Risk of Total Loss

Bitcoin may lose all of its value. Transactions involving Bitcoin may result in the complete loss of the capital invested. Customers should only invest amounts they can afford to lose entirely. Bitcoin should not be considered a reliable source of income.


3. No Deposit Insurance, no Investor Compensation Protection

Bitcoin is neither a deposit within the meaning of deposit insurance (Deposit Insurance and Investor Compensation Act, ESAEG, Directive 2014/49/EU) nor a financial instrument within the meaning of investor compensation. Bitcoin is therefore not subject to statutory deposit insurance or investor compensation protection.

Coinfinity does not offer custody of customer Bitcoin. Bitcoin purchased through Coinfinity is stored exclusively in a wallet solely managed by the customer (self-hosted). The security and protection of the private key and the seed phrase are therefore entirely the customer’s responsibility. Loss of the private key results in permanent loss of access to the Bitcoin; in this case, Coinfinity cannot restore access.

As Coinfinity does not provide custody services, Bitcoin that has already been transferred to the customer is not affected by a potential insolvency of Coinfinity. However, ongoing transactions that have not yet been settled may be delayed or may not be completed.


4. Technical Risks

The technology used to store, manage, transfer, and exchange Bitcoin is in constant development and is beyond Coinfinity’s control. There is an inherent risk of vulnerabilities, security breaches, or errors that could result in the complete loss of Bitcoin, even if the systems used by Coinfinity are functioning properly. Examples of such risks include:

  • Irreversibility of Transactions
    Bitcoin transactions are irreversible once confirmed on the network. Unlike traditional bank transfers, which allow for chargebacks under certain circumstances, Bitcoin does not offer this option. If a transaction is sent to the wrong address, it is technically impossible to retrieve it. It is the customer’s responsibility to ensure the recipient address is entered correctly.
  • Wallet and Private Key Risks
    The loss or theft of the customer’s private key can result in the irreversible loss of the associated Bitcoin.
  • Cyberattacks and Phishing
    Attacks on end devices, wallets, or email accounts can lead to financial loss. Coinfinity will never ask customers to disclose their seed phrase via email, phone, or text message.
  • Protocol and Network Risks
    Software errors, network forks, or unforeseen changes to the Bitcoin protocol may affect the value or availability of Bitcoin.
  • Platform and Service Provider Risks
    Outages at Coinfinity or contracted payment service providers may temporarily restrict or prevent the execution of buy or sell transactions.

5. Liquidity Risks

High market volatility, limited market liquidity, or technical disruptions may delay, restrict, or even prevent the purchase or sale of Bitcoin. During such periods, the reference price displayed on the platform may deviate more significantly from the market price.


6. Regulatory and Tax Risks

The legal and regulatory framework for crypto-assets is evolving. Changes at the national or European level may restrict or affect Coinfinity’s services.

Gains and losses from Bitcoin transactions may be subject to taxation. The tax treatment of crypto-assets is governed by the applicable national tax regulations of the country in which the customer is tax-resident. Customers are solely responsible for fulfilling all tax obligations arising from the purchase, sale, or holding of Bitcoin and must report these to the relevant tax authorities. Coinfinity does not provide legal or tax advice in this context; customers should seek appropriate professional advice for their individual circumstances.


7. Environmental Impact and Consensus Mechanism

Bitcoin uses the Proof-of-Work consensus mechanism, which involves significant energy consumption. Coinfinity transparently discloses key sustainability indicators in accordance with MiCAR in this sustainability document.


8. No Investment Advice

Information and marketing communications from Coinfinity do not constitute investment advice or a personalized recommendation. Investment decisions should be based on the customer’s own careful research and, if necessary, independent professional advice.


9. Complaint Procedure

Customers may file complaints through Coinfinity’s internal complaint procedure. All relevant information and the complaint form are available at https://coinfinity.co/en/complaints. There is no fee for filing a complaint. In addition, customers may contact the relevant supervisory authority (FMA).

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