# Risks and Considerations

Earning with Nook comes with risks from the underlying DeFi protocols and stablecoins it integrates with (smart contract bugs, depegging, liquidity issues.) To date, there have not been any smart contract bugs, hacks or issues with any of the selected pools. 

To mitigate this risk, Nook only partners with the highest rated money markets in the industry, based on their volume, 3rd party smart contract audits, time in market and more.

Disclaimer: Nook is a technology platform and is not a bank or a broker-dealer. Funds deposited through Nook are **not FDIC insured** and may be subject to risk, including loss of principal. Any rates or earnings mentioned are variable, not guaranteed, and subject to change. Nothing on this site constitutes financial, investment, legal, or tax advice. Consider your objectives and risk tolerance before participating.

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```

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