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Effective date: July 1, 2026 Goaly is designed to be no-loss: your staked principal is meant to be returned to you in full. But “no-loss” protects you from a wrong prediction — it cannot remove the risks of using smart contracts, stablecoins, and DeFi. Please read this page before you stake.
Using Goaly involves real risk to your funds. Only stake what you can afford to have locked, or in a worst case lose, if an underlying protocol fails. This is not financial advice.

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”No-loss” is not risk-free

The 1:1 return of your principal is enforced on-chain as long as the vault and the protocols it relies on remain solvent and functioning. “No-loss” depends on:
  • The Goaly vault and its strategies working as intended and staying solvent.
  • The underlying yield protocol (Morpho) and its markets not failing, being exploited, or becoming illiquid.
If any of these break, principal that is meant to be redeemable 1:1 could be delayed or impaired. The no-loss guarantee is an on-chain invariant, not a promise that the underlying protocols can never fail.

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Smart-contract and exploit risk

Goaly is software. Smart contracts may contain bugs, and they, or the protocols they integrate, may be exploited or hacked. An exploit could result in partial or total loss of funds. Audits and tests reduce but do not eliminate this risk.

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Underlying protocol and yield risk

Staked principal earns yield through Morpho lending markets. Those markets carry their own risks — bad debt, liquidation failures, illiquidity, oracle problems, or governance changes — that are outside Goaly’s control and could affect the vault’s value or the availability of your principal.

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Stablecoin depeg risk

Stakes and yield use stablecoins — USD₮0 (Tether’s omnichain USDT) and USDC. A stablecoin can lose its peg to the US dollar. If a stablecoin depegs, the value of your stake or prize could fall even though the token amount is unchanged.

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You can win nothing

A prediction can win nothing. Prizes are funded only by the yield earned on pooled principal. If your prediction is wrong — or if little yield accrued — you simply get your principal back and no prize. You never lose your stake to a wrong call, but you are never guaranteed a prize.

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Gas and ETH on your embedded account

Every transaction on Arbitrum requires ETH for gas, including on your embedded wallet. If your account has no ETH, you may be unable to predict, claim, or move funds until you fund it. Keeping a small ETH balance on the account is your responsibility.

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Cross-chain and bridge risk

Surplus (prize funds only, never principal) may move cross-chain using LayerZero and Circle CCTP. Bridges and cross-chain messaging carry additional risk — delays, failures, or exploits — that could affect surplus funds in transit.

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Oracle and settlement risk

Match results are settled through an optimistic settlement process (results are proposed, and finalize after a dispute window). Settlement could be delayed, disputed, or — in an adversarial case — incorrect, which may affect when or how prizes are distributed.

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Regulatory uncertainty

The legal treatment of prediction protocols, skill-based gaming, and digital assets is evolving and varies by jurisdiction. Future laws or enforcement could restrict or prohibit access to the Service where you live. You are responsible for ensuring your use is lawful (see the Terms of Use).

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Self-custody risk

Your wallet is self-custodial — keys are derived on your device and Goaly never holds them. If you lose access to your device, signature, or credentials, you lose access to your funds, and Goaly cannot recover them. Safeguarding access is entirely your responsibility.

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Do your own research

None of this is financial, investment, legal, or tax advice. Understand the protocol and its risks, consider your own circumstances, and consult qualified professionals before using the Service. See the Terms of Use and Privacy Policy.

How no-loss works

Read the mechanism behind principal protection and yield-funded prizes.