Below the XP bar on your stat panel, a row of small chips shows every buff currently affecting you — from a Class Ability you fired, Buff Magick a partymate cast on the group, or any flag effect that's currently live.

• Each chip takes its colour from the ability or spell that made it — Strength buffs tend to red, Defence to blue, Intelligence to purple, blood-pacts to crimson — so a glance tells you what kind of thing is running.
• Only timed effects make a chip. Finishers and instant spenders (Momentum Breaker, Shadowstrike) never do.
• Afflictions on you — Burning, Bleeding, Chilled, Sundered, Dazed, Cursed, Humbled — show in the same row with their own icons; each one costs 15% of a stat while it lasts. See Elemental Reactions.
• Each chip carries the ability's icon glyph (a sword for STR-style abilities, a shield for DEF, a star for crit, a sparkle for INT, a heart for healing/blood, etc.).
• Hover any chip to see the buff's name and remaining time (shown as "35s" or "1m").
• Updates live with every combat round and every stat refresh.
• Expired buffs disappear automatically — the row only ever shows what's actually active.
• The chips also appear on every party member's stat panel when affected by Buff Magick — so you can see at a glance who has Warding up.