mSamex Earn is a custodial yield product operated by mSamex Cryptocurrency Exchange OÜ (Tallinn, Estonia · reg. 17031074). Before depositing, understand the following. Digital-asset products can result in the loss of some or all of your funds.
Advertised rates are funded from card-service revenue, not from on-chain mechanics or new deposits. Rates may change. The ability to pay yield and return principal depends on mSamex remaining solvent and keeping the payout float funded.
This is a custodial product: mSamex controls the funds in order to deploy them into its card business. You rely on mSamex's honesty, security, and solvency. A smart contract (where used) provides transparency of balances but does not remove this reliance.
Where staking runs through a smart contract, bugs or exploits could result in loss of the contract's funds. Contracts are audited before mainnet use, but audits reduce — they do not eliminate — risk.
Fixed-term plans lock your principal until maturity; you cannot withdraw principal early. Profit is claimable subject to available float; large or simultaneous withdrawals may be queued.
USDT and USDC are stablecoins that may lose their peg. On-chain transfers are irreversible; sending the wrong asset or to the wrong network may cause permanent loss. Network fees (gas) apply to on-chain actions.
Crypto regulation (including EU MiCA and Estonian VASP rules) is evolving. Changes may affect the availability, terms, or legality of this product in your jurisdiction, including the requirement to introduce identity verification.
Nothing here is financial, investment, tax, or legal advice. Only deposit what you can afford to lose, and seek independent advice if unsure.