Risks, disclosures and terms

What Stocrib is — and isn’t

Stocrib is an information and education service from Xcojo. It shows market prices, charts, company information and news, offers a practice portfolio with pretend money, and lets you send crypto orders through your own Bybit account.

Stocrib is not a broker, exchange, bank, custodian or investment adviser. Xcojo does not hold, move or invest your money or crypto, and does not execute trades for you.

No investment advice

Nothing on Stocrib — prices, charts, movers, news, JoinCTT answers or educational content — is a recommendation to buy, sell or hold anything, or advice suited to your situation. Decide for yourself, and consider speaking to a licensed financial adviser where you live.

Risk warning

Investing can lose money. The value of stocks, funds and crypto can go down as well as up, and you may get back less than you put in.

Crypto-assets are especially high risk. Prices can fall sharply in minutes, markets can be illiquid, and crypto is often unregulated: you may have no protection from compensation schemes or ombudsmen if something goes wrong. Only trade money you can afford to lose entirely.

Past performance is not a guide to future results. Practice-portfolio results do not include fees, slippage, taxes or the emotions of real money.

Market data

Crypto prices come from Bybit public market data. Stock and fund prices, company details and news come from Massive (formerly Polygon.io); some fall back to CoinGecko or Finnhub. Stock prices usually show the latest completed trading session and may be delayed. Data can be wrong, incomplete or late — check with your broker or exchange before trading.

News headlines link to the original publishers, who own their content.

Connected trading through Bybit

When you connect your Bybit account, Stocrib stores your API key and an encrypted copy of your secret so it can show your balances and send the orders you place. Orders are executed by Bybit, an independent company, under Bybit’s own terms, fees and policies. Your funds stay in your Bybit account.

Stocrib only accepts keys without withdrawal permission and asks you to confirm connecting and trading with your Xcojo passkey. You can disconnect at any time in Stocrib, and you should also delete the key in Bybit.

Connected trading is only for people aged 18 or older who are legally allowed to trade crypto where they live. It is not offered in some countries. You are responsible for following the laws of your country, including any licensing, reporting or tax rules.

Orders can fill immediately and cannot be cancelled from Stocrib once sent. Network problems, Bybit outages or price moves can cause orders to fail or fill at different prices. Xcojo is not responsible for losses from market movements, Bybit’s services or your own trading decisions, to the extent the law allows.

Practice portfolio

Practice trades use pretend money and real (sometimes delayed) prices. Nothing is bought or sold and balances have no cash value.

Taxes

You are responsible for any taxes on your investments and trades. Stocrib does not provide tax reports or advice.

Privacy and security

Stocrib uses your Xcojo Account. How Xcojo handles personal data, including API keys and trading activity, is explained in the Xcojo Privacy Policy. Keys are encrypted at rest and never shown back to you or to Xcojo staff.

Conflicts of interest

Xcojo does not receive payment for the order flow you send to Bybit. If that ever changes, or Stocrib shows paid placements, they will be clearly labelled.

Questions and complaints

Contact Xcojo Help at safety.xcojo.com/help. Problems with an order or your Bybit account must be raised with Bybit support. These disclosures form part of the Xcojo Terms of Service.