Risk Disclosure

RMINT Investment Platform — Last updated: February 25, 2026

  Important: This Risk Disclosure applies to RMINT's investment platform, including tokenized restaurant ownership (Restaurant Ownership Tokens or ROTs), Restaurant Debt Tokens (RDTs), RMUSD stablecoin, and related services. Investing in these products involves significant risks, including the potential loss of your entire investment. This document is not investment advice. You should consult your own legal, financial, and tax advisors before making any investment decision.

1. Accredited Investors Only

RMINT offerings are available only to accredited investors in the United States under Securities and Exchange Commission (SEC) Regulation D, Rule 506(c). By signing up for or participating in RMINT investment opportunities, you represent and warrant that you meet the accredited investor criteria as defined by the SEC.

We take reasonable steps to verify accredited investor status. If you do not qualify as an accredited investor, you may not invest in RMINT tokenized securities. For more information on accredited investor criteria, visit investor.gov.

2. General Disclaimer

Nothing in this document or on the RMINT platform constitutes legal, financial, tax, or investment advice. Past performance is not indicative of future results. The information provided is for general informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. All investments involve risk, and you may lose some or all of your invested capital.

3. Key Risk Categories

3.1 Market Risks

Restaurant industry downturn: Recessions, pandemics, or other economic shocks can severely impact the restaurant industry. Your investment may decline in value or become illiquid.
Cryptocurrency and blockchain volatility: RMINT operates on Base L2. While we use USDC for settlement (not ETH-denominated), blockchain networks can experience downtime, congestion, or value fluctuations that may affect the ecosystem.
Illiquidity: Tokenized restaurant equity may have no or limited secondary market. Selling your position may be difficult, take a long time, or be impossible. Early-stage investments are typically illiquid.

3.2 Operational Risks

Restaurant failure: Individual restaurants may fail, go bankrupt, or close. Each restaurant is structured as a separate Special Purpose Vehicle (SPV), but diversification does not eliminate risk.
AI underperformance: RMINT uses AI Risk-Aware Agents (RAAs) to manage operations. AI may fail to optimize performance, make errors, or underperform expectations.
Key person risk: Chef-operators and key personnel may depart, affecting restaurant performance and token value.
Adoption risk: Restaurant operators may resist adoption of RMINT's technology or operational model.

3.3 Technology Risks

Smart contract risk: Smart contracts may contain bugs or be exploited, potentially resulting in loss of funds. We engage professional audits and testing, but no system is completely secure.
Base L2 and infrastructure: Network downtime, congestion, or technical issues on Base L2 or supporting infrastructure may affect your ability to transact or access your tokens.
Oracle and data integrity: False or manipulated data from oracles or AI systems could affect valuations and distributions.

3.4 Regulatory and Legal Risks

SEC and securities regulation: Tokenized securities are subject to federal and state securities laws. Regulatory changes or enforcement actions could affect the legality, structure, or value of RMINT offerings.
Evolving cryptocurrency regulation: Laws governing digital assets are evolving. New regulations could restrict or prohibit certain activities.
RMUSD classification: RMUSD, RMINT's stablecoin, may be subject to additional regulatory scrutiny. Its launch and operation depend on regulatory clarity.
State-level action: State securities regulators (Blue Sky laws) may impose additional requirements or restrictions.

3.5 Protocol-Specific Risks

RMUSD depeg: If RMUSD loses its peg to the US dollar, collateral may be liquidated and holders may suffer losses.
Collateral liquidation: If you use ROTs as collateral to mint RMUSD, a decline in collateral value could trigger liquidation.
Incentive gaming: Participants may attempt to exploit protocol incentives or reward structures.

4. No Guarantee of Returns

RMINT does not guarantee any return on investment. Yield from restaurant operations depends on actual business performance. Revenue distributions are subject to operating expenses, debt obligations, and other factors. You may receive no distributions or lose your entire investment.

5. Full Risk Factors

This Risk Disclosure summarizes key risks. A more detailed analysis of risk factors is set forth in the RMINT Whitepaper. For a copy of the full whitepaper, please contact us at b.k@rmint.co.

6. Contact Us

If you have questions about this Risk Disclosure or RMINT's investment platform, please contact us:

RMINT Inc
485 Methven Grove Drive
Cary, NC 27519
United States

Email: b.k@rmint.co
Phone: (317) 625-0630