The Annual Percentage Yield (APY) displayed in the Wellspring app is variable, market-driven, and not guaranteed. Yields are derived from participation in the HypurrFi isolated lending market, which relies on overcollateralized lending strategies designed to reduce counterparty risk. While these mechanisms aim to promote stability, actual earnings may fluctuate based on broader market conditions, liquidity levels, and protocol performance. Past performance is not indicative of future results. All assets in Wellspring are self-custodial—you always maintain direct ownership and control of your funds. Wallets are securely provisioned and managed through Turnkey's enterprise-grade infrastructure, ensuring you have both custody and convenience. Wellspring is a technology platform, not a bank. Deposits made through Wellspring are not FDIC insured, SIPC insured, or insured by any governmental agency. There is no guarantee of principal protection. Users are solely responsible for understanding the risks of decentralized finance and should carefully evaluate whether participation is appropriate for their circumstances. Wellspring does not provide financial, investment, tax, or legal advice. For guidance specific to your situation, you should consult qualified professionals.