> For the complete documentation index, see [llms.txt](https://docs.eiva.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.eiva.money/what-protects-your-capital.md).

# What protects your capital

In the order they apply to a single invoice:

1. It's for delivered work, so there's no performance risk, only payment risk. See [Verification](/verification.md).
2. The payer was assessed and is within its limit. See [Underwriting](/underwriting.md).
3. It's short. Money is out for weeks, and every settlement is a chance to stop funding a payer. See [Settlement and late payment](/settlement-and-late-payment.md).
4. If it's written down, the reserve takes the loss first. See [The reserve](/the-reserve.md).
5. Only then is depositors' capital affected.

None of these is a guarantee. Read [Risk factors](/risk-factors.md).


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