Risk disclosure

Please read this before you use Ledger Chat to send or hold anything of value.

Early access software

Ledger Chat is in early access. It has bugs we know about, listed on the audits page, and certainly some we do not. Our contracts have not been reviewed by an independent auditor.

Blockchain transactions are final

A payment you approve cannot be reversed by us or by anyone else. If you send funds to the wrong address, they are almost certainly lost.

Private payments run on a test network

The private payments wallet uses the Aztec test network. Its tokens have no value and may disappear if the network is reset. The Aztec mainnet runs a different version (5.2.0 at the time of writing) that our wallet does not support, and Aztec itself describes its mainnet as alpha, where bugs, including critical ones, are expected. We will not connect the wallet to a network with real value until our contracts have been audited.

Networks we do not control

Payments depend on Ethereum and on Aztec, and messages depend on XMTP. Any of them can be slow, unavailable or affected by vulnerabilities of their own. In August 2026 Aztec's contributors reported a critical vulnerability in the proving system of Alpha V5.

Your keys

If you lose your recovery phrase, or someone else obtains it, you can lose your account and your funds. Anyone with your wallet can also open your private payments wallet, because its keys are derived from your wallet's signature. We cannot help recover either.

No advice, no financial services

Nothing on our websites or in Ledger Chat is financial, investment, legal or tax advice. We do not hold, exchange or transfer crypto assets for anyone. Digital assets can lose value quickly.