Educational Materials

Y&Y Group is a fiat-to-crypto exchange: they convert your traditional (fiat) money (e.g., GBP) into crypto (e.g., USDT).

They do not manage or invest your funds on your behalf, nor do they promise profits.

Y&Y strictly offers an exchange service.

When you purchase crypto through Y&Y Group, you own it.

You hold both the legal and beneficial ownership of the cryptoassets you buy.

It is your responsibility to understand the risks of holding crypto.

Crypto investments can be lost entirely.

The market is volatile; there is no guarantee your investment will retain its value.

Always be prepared for the possibility of losing all your invested funds.

Crypto can change in value very quickly and can be complex.

Prices can rise or fall rapidly, unlike many traditional investments.

It is important to do thorough research and understand volatility before investing.

Technical and security issues can lead to crypto loss.

Cyber-attacks, scams, or losing your private keys can result in permanent loss of your assets.

There is no guaranteed insurance that covers these losses.

If Y&Y Group fails as a business, you still own your crypto. The crypto you exchanged remains your property.

You may not be able to use the Y&Y exchange services to make trades anymore.

You might not always be able to sell your crypto instantly.

The market can be slow or have low liquidity, making it difficult to find a buyer.

Operational outages can affect your ability to sell crypto 

Government protection (e.g., FSCS, FOS in the UK) does not cover crypto losses.

Unlike bank deposits, crypto investments are not guaranteed by the government.

You bear the risks of market movements and potential losses.

Crypto is more volatile and riskier than traditional assets.

FCA recommends limiting crypto to less than 10% of your net assets.

You should not put all of your money into crypto.

Once crypto is lost (e.g., through a scam or market crash), there is typically no way to recover it.

Y&Y Group or your bank cannot refund money lost to market fluctuations or fraud.

Always protect your wallet and private keys.