Educational content, not investment advice. Crypto-asset values fluctuate.

Terms of Use

Last updated: 2026-04-07

General provisions

This website (defiriskos.com, including its English-language version at en.defiriskos.com) belongs to and is operated by MB Kripto Bite — a small partnership („mažoji bendrija“, MB) registered in the Republic of Lithuania.

By using this website, you confirm that you have read and agree to these terms of use. If you do not agree to any of these terms — do not use the website.

Description of the service

DeFi Risk OS is an educational platform providing learning content about decentralized finance (DeFi), cryptocurrencies and risk management.

We provide:

  • Educational content in Lithuanian (lessons, guides, glossary)
  • Interactive calculators for learning purposes
  • General understanding of DeFi protocols and strategies

We do NOT provide:

  • Investment recommendations or financial advice
  • Asset management services
  • Crypto-asset services (we are not a CASP)
  • Financial brokerage or investment management services

Limitation of liability for educational content

IMPORTANT — read carefully

  • All content published on this website is for educational and informational purposes ONLY. It is NOT investment advice, financial consultation, or a recommendation to invest.
  • Past performance does not guarantee future results. Any figures, APR, APY or return examples mentioned are illustrative and may differ significantly from actual results.
  • Cryptocurrency markets are highly volatile. You may lose your entire investment, including your initial capital.
  • Before making any financial decisions, consult an independent financial advisor licensed in your jurisdiction.
  • MB Kripto Bite is not liable for any losses incurred in reliance on content, calculator results, or any other information provided on this website.

MiCA regulation provisions

Under Regulation (EU) 2023/1114 on Markets in Crypto-Assets („MiCA“):

  • MB Kripto Bite is NOT a crypto-asset service provider (CASP) under the MiCA regulation.
  • We do not carry out any crypto-asset transactions on behalf of users.
  • We do not hold or manage users' crypto-assets or funds.
  • We do not provide crypto-asset services as defined in the MiCA regulation.

Crypto-assets are not covered by the European Union deposit guarantee scheme. The value of crypto-assets can fluctuate significantly and they are not suitable for every investor.

Referral links

The website contains referral (affiliate) links to third-party platforms: Deribit, Jupiter and Revolut. The full list with explanations is on the Partnerships and Commissions page.

  • MB Kripto Bite may receive a commission for referrals made through these links.
  • Every such link in a lesson is marked with an “ad” badge immediately after it — the marking is applied automatically, not by hand.
  • This does not affect the objectivity of the educational content — our content's purpose is education, not sales.
  • By using third-party platforms, you agree to those platforms' own terms of use and privacy policies. MB Kripto Bite is not responsible for third-party services.

Intellectual property

All content on the website — including texts, illustrations, calculators, design and program code — is the intellectual property of MB Kripto Bite or is used under license.

✓Permitted: reading, learning, sharing links to the website
✗Prohibited: copying, distributing, or republishing the content without MB Kripto Bite's written permission

User obligations

By using the website, you agree to:

  • Use the website only for lawful purposes
  • Not provide false information in the contact form
  • Not automate access to the website (scraping, bots)
  • Not attempt to breach the website's security or operation
  • Not distribute the website's content as your own

Limitation of liability

  • The website is provided on an „as is“ basis, without any warranties.
  • We cannot guarantee uninterrupted operation of the website — technical errors or maintenance interruptions may occur.
  • We do not guarantee the accuracy of content in real time — prices, APR, APY and other financial figures may change at any time.
  • Interactive calculators provide approximate calculations for learning purposes — they should not be used as a basis for actual financial decisions.
  • MB Kripto Bite's maximum liability is limited to the amount paid by the user for the service. Since the website is currently free of charge — that amount is EUR 0.

Governing law

These terms of use are governed by the law of the Republic of Lithuania.

Any disputes arising from the interpretation or application of these terms shall be resolved through negotiation. If no agreement is reached — before the competent courts of the Republic of Lithuania.

Consumers in the European Union may also refer the matter to the EU Online Dispute Resolution platform: ec.europa.eu/consumers/odr

Changes

We reserve the right to change these terms of use at any time. We will notify you of significant changes on the website.

Continued use of the website after changes are published constitutes your agreement to the new terms.

Last updated: 7 April 2026

Contact

If you have questions about these terms of use:

MB Kripto Bite

Company code: 305910214

Address: J. Jablonskio g. 1, Kretinga, Lithuania

Email: info@defiriskos.com

Phone: +370 686 78006

Support

Free material is easy to put off

Something practice teaches: when you paid nothing to learn, it is easy to postpone learning indefinitely. If these lessons actually gave you something — saved you a mistake, or explained what nobody else did — you can pay whatever you think they were worth.

This is not a price, a subscription, or a fee for access. The amount is yours to choose, and paying nothing is entirely fine.

Solana address

CUj6wYQLSBxidzm7Lqtkxbw2d8Sv2H2tbJELyAjR756M

Solana network only

Send SOL or SPL tokens (e.g. USDC) only on the Solana network. Sending from an exchange over a different network loses the funds permanently — nobody can recover them.

What you get for it

Nothing extra, and that is deliberate. Every lesson, all three difficulty levels and every calculator stay free and sign-up-free, with or without a donation. There is no gated section, no share of profits, no future token and no claim on anything.

Where the money goes

A donation becomes my own money. I use it to keep the site running and to fund a public demonstration position on a lending protocol — real money, so the lessons have something to show instead of only theory. I publish the results, losses included, publicly and free for everyone. It is my position and my risk, not a pooled fund.

This is a gift for content already received, not an investment and not a payment for a service. Non-refundable. Educational content, not an investment recommendation.