Risk & Compliance

Solium operates at the intersection of blockchain technology, e-commerce, and real-world assets (RWAs) ownership. While this creates unique opportunities, it also presents several legal, operational, and technological risks. The Solium team proactively identifies and mitigates these risks through strong compliance practices and platform governance.

1. Regulatory Risk: Challenge: Blockchain and token-based platforms face evolving regulations across jurisdictions. Approach: Solium classifies the IUM token as a utility token, not a security. We avoid offering investment-like features and focus on real economic utility. Ongoing legal consultation is in place to ensure compliance with relevant laws including KYC/AML standards.

2. Smart Contract Risk: Challenge: Vulnerabilities in smart contracts can lead to exploits or fund loss. Approach: Solium commits to regular smart contract audits by third-party security experts before major updates or deployments.

3. Asset Authenticity & Ownership Risk: Challenge: real-world assets (RWAs) tokenization requires validation of physical asset ownership and legal transfer mechanisms. Approach: Solium ensures full ownership model adherence by working only with vetted sellers and verifiable asset provenance.

4. Platform Downtime or Attacks: Challenge: Technical failure, cyberattacks, or blockchain congestion could affect platform uptime. Approach: We deploy through Shopify’s cloud infrastructure and Solana’s scalable blockchain, with monitoring systems in place to ensure stability and incident response.

5. Market Volatility & Token Risk: Challenge: Fluctuations in crypto markets can impact the perception and use of IUM. Approach: USDC is the primary settlement currency to ensure stability. IUM is optional for rewards, access, and governance — not mandatory for purchases. Regulatory Compliance:

• Comply with KYC/AML regulations.

• Seeks legal counsel for evolving crypto regulation across jurisdictions.

• Classifies IUM as a utility token and does not offer securities or investment contracts. Solium is committed to best practices in crypto regulation, ensuring that its platform, token, and operations remain transparent and legally sound.