SMART VALOR follows clear rules and strong technical safeguards to ensure your crypto transfers are secure, fast, and fully compliant with MiCAR Article 82. We also have backup systems in place in case of technical interruptions or attempted fraud.

In addition, all transfers are subject to the Travel Rule (as required under MiCAR and EU AMLD5/6), meaning personal data of sender and recipient may be transmitted securely to comply with anti-money-laundering requirements. Details on how we process this data can be found in our Privacy Policy.

You’re always fully informed
 

• Before sending crypto, you’ll see the fee, the blockchain network used, a notice that transfers can’t be undone, and a checklist of all details.
• You confirm via checkbox and enter your security code (2FA).
• You’ll get an email receipt and can view every transfer at any time via your account dashboard.
• All terms, including full legal details, are issued in English and can be requested at any time.

Strong technical protections
 

• Security includes 2FA, automated fraud detection, and constant vulnerability scanning.
• Every withdrawal is screened to ensure the address is not flagged or high‑risk.
• Your data is encrypted, and access is monitored to prevent unauthorized use.

Contingency planning & fast recovery
 

• We are always monitoring for service interruptions or suspicious behavior.
• Transfers are automatically paused if we detect a system issue.
• You will receive notification if a transfer is delayed or needs further verification, with guidance on next steps.

Support from specialist teams
 

• Our Operations Team handles real‑time processing and liquidity.
• The Compliance Team manages travel‑rule data and anti‑money‑laundering checks.
• Our Engineering Team maintains system stability, security, and response procedures.

These teams coordinate under documented escalation procedures to resolve issues quickly and thoroughly.

 More information and legal details
 

A full explanation of our policies and protections is available in the Terms and Conditions, including the Appendix: Information of Transfer Services.

You can also review our fee table and supported networks.

For any questions or to request a full copy in English, please email support@smartvalor.com.

1. What is a dust attack?

A dust attack is a technique used in blockchain networks where very small amounts of cryptocurrency (“dust”) are sent to a large number of wallet addresses. These transactions are typically negligible in value but are traceable on public blockchains. Attackers may use this method to analyze transaction patterns and attempt to link wallet addresses to identifiable users.

2. What are the potential risks?

While the financial impact of dust itself is minimal, the risk lies in privacy and security exposure:

• De-anonymization risk: By tracking how dust is moved, attackers may link wallets to real-world identities.
• Targeting for phishing or fraud: Identified users may become targets of social engineering or scams.
• Compliance implications: For regulated entities, unexplained micro-transactions can complicate transaction monitoring, AML/KYT processes, and risk assessments under frameworks such as MiCAR.
• Risk of accidental transfers: Users may mistakenly copy and reuse a dust-origin address from their transaction history, potentially sending funds to an attacker-controlled wallet.

3. How does SMART VALOR mitigate this risk?

For self-hosted wallets, dust attacks are a bigger risk because users deal directly with wallet addresses and transactions. This makes it easier for attackers to track users and trick them into sending funds to the wrong address.

For custodial wallets (like exchanges such as SMART VALOR), the risk for users is much lower. This is due to the controlled infrastructure and standardized transaction processes, where users do not directly interact with raw blockchain addresses.

To further reduce the risk, SMART VALOR has a minimum deposit limit of 0.5 CHF per transaction. This helps to:

• prevent linking small transactions to a specific customer under Crypto Travel Rule requirements;
• block suspicious or malicious addresses from entering customer's interface;
• reduce the chance that users accidentally send funds to attacker-controlled addresses.

Please note: The minimum deposit threshold of 0.5 CHF applies as an equivalent value across all supported currencies.