Please read this page in full before you use this website, submit an enquiry, or commit money to any provider. If anything here is unclear, that is a reason to slow down.
1. The headline warning
Trading and investing in crypto assets carries a high risk of loss. You can lose some of the money you commit. You can lose all of it. Never commit money you cannot afford to lose.
That includes money you need for rent or mortgage repayments, bills, medical costs, your superannuation drawdown or daily living. It also includes borrowed money — a home loan redraw, a credit card or a personal loan.
A commonly cited figure across the industry is that a large majority of retail investors lose money when trading speculative products. We cannot verify that figure, and it is not about any particular provider. Read it personally: assume you may be in that majority.
2. Crypto assets are highly volatile
“Volatile” means the price moves a lot, and often quickly. Crypto prices can rise or fall sharply within hours or minutes, and a price that has looked steady for weeks can move a long way in one session. These markets trade more or less continuously, including overnight in Australia and at weekends, so a significant move can happen while you are asleep.
Liquidity — being able to buy or sell near the price you see on screen — can disappear without warning. In stressed conditions there may be few buyers, so you may not be able to exit when you want to, or only at a far worse price.
3. No guaranteed returns
There are no guaranteed returns in crypto assets. Nobody can promise you a profit, a fixed monthly income, or the return of your capital. If anyone does, treat it as a warning sign.
Past performance is not a reliable indicator of future performance. Charts, historical returns, back-tested results and case studies describe what has already happened under conditions that no longer exist.
4. AI, signals and automated tools have real limits
Automated tools, trading signals and systems described as “AI” analyse past and present data. They cannot see the future.
They can be wrong, repeatedly and expensively. They can rest on assumptions that stop holding, and fail during the sharp moves that matter most.
No output from any tool, signal service or model should be treated as a recommendation to buy or sell. It is information, it may be inaccurate or out of date, and the decision remains yours.
5. The role of this site and of third parties
This website provides general information and refers enquiries to independent third-party providers. We are not a broker, an exchange or a trading platform. We do not hold an Australian financial services licence and we are not authorised to advise you.
- We do not hold your money.
- We do not open accounts, execute trades or manage positions.
- We do not provide financial product advice.
- We do not control third-party providers, their pricing or their conduct.
If you submit the enquiry form, your details may be passed to an independent provider, and that provider may telephone you to explain its own service, costs and conditions. You are free to proceed or not. Our Privacy Policy explains how we handle your details. Any money you commit is committed with that provider, under that provider’s terms.
Before you commit anything, get the following in writing and keep a copy:
- Exactly who they are — legal entity name, where they are based, and what registrations or licences, if any, they hold.
- All fees and charges, in full.
- The minimum deposit.
- Withdrawal conditions — how you get your money out, how long it takes and what could delay it.
- How your money is held, and whether it is kept separate from their own funds.
If a provider will not answer these questions in writing, that is your answer. Do not deposit.
6. Costs reduce your returns
Costs are certain in a way that profits are not. Every charge comes out of your money whether a position wins or loses:
- Spreads — the gap between the buy and sell price.
- Commissions — a charge per transaction.
- Deposit and withdrawal fees, and financing charges on positions held open.
- Currency conversion costs, if you fund in Australian dollars and the account is held in another currency.
- Inactivity or account-keeping fees, charged when you do nothing.
Ask any provider for the full fee schedule in writing before you deposit.
7. Leverage and derivatives
Leverage means borrowed exposure, so a small amount of money controls a much larger position. It magnifies gains and losses alike. With leveraged products, losses can exceed the amount you deposited, and you may be asked to pay more.
Australian rules may apply differently depending on the financial product, provider and service being offered. Confirm the provider’s identity and regulatory status before proceeding. This website does not offer, promote or distribute CFDs. This site does not offer, promote or solicit CFD trading. ASIC is named only as a public body whose material you can read; it does not license or supervise this site. If a provider raises leveraged products with you, get the answers in writing.
8. Tax
Crypto transactions can have tax consequences in Australia. Capital gains tax may apply when you dispose of a crypto asset, and amounts may sometimes be treated as ordinary income instead. Swapping one crypto asset for another can be a disposal even though no Australian dollars change hands.
Keep complete records from the start: dates, amounts, values in Australian dollars, fees and the purpose of each transaction. Consider speaking to a registered tax agent about your own situation. The Australian Taxation Office publishes public guidance at ato.gov.au. Nothing on this site is tax advice.
9. Scams and pressure tactics
Investment scams are common and professional, and older Australians are often targeted. Treat these as warning signs:
- Pressure to deposit quickly, or an “offer” that expires today.
- Promises of guaranteed profit, “risk-free” returns or a fixed monthly income.
- A request to install remote-access software, which hands over control of your computer.
- A request to pay by unusual channels: crypto to a personal wallet, gift cards, or an account in another name.
- Refusal to confirm in writing who they are, where they are based, and what fees apply.
- Flattery, frequent friendly calls, or discouraging you from talking to family or your bank.
- Being asked to pay a “fee”, “tax” or “release charge” before you can withdraw your own money.
If you see these signs, stop. Send no more money and give nobody remote access. Talk to someone you trust, and contact your bank if you have already transferred funds. Public information is available at moneysmart.gov.au and scamwatch.gov.au.
10. General information only, not financial product advice
Everything on this website is general information only. It is not financial product advice and not a recommendation to buy, sell or hold anything. We do not guarantee that the information here is accurate, complete or current.
Nothing here takes into account your objectives, your financial situation or your needs. We do not know your income, your debts, your superannuation or your plans.
Before acting, consider obtaining advice from an appropriately licensed financial adviser who can consider your circumstances. You can check advisers and licensing through public resources such as moneysmart.gov.au and ASIC’s public registers. Naming them is not an endorsement of this site.
11. Your decisions are your responsibility
Any decision you make about crypto assets is your own, made at your own risk. You are responsible for satisfying yourself that a product or provider suits you, and for reading the documents you are given.
Nothing on this page excludes, restricts or modifies any right, guarantee or remedy you have under the Australian Consumer Law or any other law that cannot lawfully be excluded. Subject to that, nothing said to you by a third-party provider, and nothing published here, transfers responsibility for your decisions to us.
12. Getting help
If money has become a source of stress, free and confidential financial counselling is available in Australia through the National Debt Helpline, at ndh.org.au. It is free, not a sales channel. Asking early is better than asking late.
13. Contact
The way to reach us is the form at /contact-us/. We do not publish a telephone number or postal address. If you want more detail about who operates this website, ask through that form. See also our Terms and Conditions, Privacy Policy, Cookie Policy and About Us.
Last updated: 27 July 2026