Hodlnaut

Hi Titus, Thank you for your review. We would like to caution you against accusing us and potentially defaming us with regards to the 'notice saying that if they go bankrupt they wont refund your money'. We also do not appreciate, and in fact have zero tolerance for any sort of threats or abuse towards the team members of Hodlnaut. The authorities of Singapore requires us to put the notice on our website as a risk warning to investors, and if you performed thorough research, you would understand that the authorities of Singapore have a very strong stance towards financial institutions in the country. Our exemption with regards to the Payment Services Act 2019 as listed below: https://www.mas.gov.sg/regulation/payments/entities-that-have-notified-mas-pursuant-to-the-ps-esp-r Additionally, you are open to look for reviews for the platform on not only TrustPilot, but on Google, Reddit and even Telegram and you would have users letting you know we are operating a legitimate business. Moreover, you can easily search for our business details on the websites below: https://directory.singaporefintech.org/directory/listing/hodlnaut-pte-ltd https://www.sgpbusiness.com/company/Hodlnaut-Pte-Ltd Would an illegitimate business register themselves and get their management and employees doxxed on the platform and even have information on a government-approved association? As explained very kindly by my colleagues in the compliance team, they have provided the assistance required to the best of their ability and even offered you alternatives to do so by replying to your email quickly. Additionally, you failed your Jumio and POA verification, not once, but twice (you didn't provide your POA the 2nd time around) and your Jumio on the 2nd time was very dark - not following the requirements stated. Hodlnaut is consistently working to improve its platform as it scales, and we hope that users will join us in our journey to provide the best HODLing platform out there. If you have any other queries, feel free to respond to the support email and/or email sent from my compliance team again, and we will be more than happy to assist you. Regards, Hodlnaut Team (CT) Update: As mentioned very clearly in our response, the notice that the company put up is a requirement from the authorities of Singapore as a risk warning to potential users of the platform - users can opt to purchase optional insurance on our platform if they wish to do so, and Hodlnaut has company equity to cover user funds in the unlikely event of loss of funds. We have even provided you with research material and information that you might not easily find to further back up the response that this is a requirement for all companies in Singapore applying for a license, but unfortunately, you chose to see it as an 'exit scam' instead, which is untrue despite our dedication to comply to regulations. We even referred you to other reviews on other platforms - some of which were low ratings as well but provided objective opinions on the platform and in which we provided further assistance, like we did above. Like you mentioned, our 'colleague' has provided you with the necessary assistance to get you to reupload your Proof of Address and also re-do your identity verification with alternatives, but you chose not to go ahead with those alternatives as 'it was not possible for you'. We remain open for contact and/or support and have not or even will stop any users from posting a negative review of our platform because this gives us an impetus to do better. Regards, Hodlnaut Team

Hi Dan, Thank you for your review. odlnaut on-lends users’ crypto assets to its network of institutional borrowers, and we also lend out the assets to reputable and trusted decentralized protocols such as Compound Finance, which are audited and VC-backed and earn interest from there. However, we are unable to disclose the list of institutions to whom we lend due to confidentiality and market intelligence reasons. With regards to your question on if everyone's deposits are accounted for and if everyone wanted their crypto back at the same time, we would like to assure you that Hodlnaut has sufficient company equity amassed over months of profits ever since we started operating to fulfil a massive withdrawal in any unlikely event such as a hack. Additionally, as we are authorised to comply to the strict regulations in Singapore, there are very stringent security and capital requirements in place with regards to our application for a license here. If we are not able to meet even one of these requirement, we will not even be considered in the application stage - however, that might change soon as we have been extremely compliant to the authorities so far! We hope you will be able to consider giving us a better rating in future. Do let me know personally if you have any other questions and I will be more than willing to assist at [email protected] Regards, Hodlnaut Team (CT)

Hi Ching Sheng, Thank you so much for your review! It's actually in the pipeline and slated to be released Q2-Q3! Hope you will consider giving us a better rating in future! Regards, Hodlnaut Team

Hi Roope, Thank you for your review. We offer our sincerest apologies for the direction the company is taking to maintain sustainability for the company and to continue rewarding all users as much as we can, but we are glad you were able to withdraw your funds successfully - which is evident of how we did not 'rug pull' users like you mentioned over a Tweet. Also, when you signed up for an account and KYC-ed with us, you are deemed to have read and accepted the Terms of Service presented to you upon signup which clearly stated that we reserve the rights to terminate any program without notice - but we still offered users lead time to decide what they'd like to do with their assets. You are entitled to your subjective opinions of our company and we will not stop you from creating the videos if you have to. Additionally, if you feel that removing all links to our platform is the right thing to do, you are also entitled to do so. We thank you once again for everything you have done for us, and if you'd like to, you can submit an email to [email protected] with regards to deleting your account from our records - just to let you know that it was a tough decision for the company to make, but we still want to remain there for our users by letting them know their security and privacy is of utmost importance to us. Moreover, we will also be covering the shipping fee of the free merchandise over to you despite this abrupt end of the relationship, also to let you know we hope to do better by our users as we grow. Do let us know if you have any other questions.

Hi Ricky, Thank you for your good review! Regards, Hodlnaut Team

Hi Charlie, Appreciate your good feedback! With regards to a .csv export, we recently updated the format to fit with Koinly. Only certain labels need to be changed to match the platform. We do hope this is sufficient and if you have any other queries, feel free to let us know! Regards, Hodlnaut Team

Hi Nazar, Appreciate your good feedback! Hope that you can consider giving us a better rating in future! Regards, Hodlnaut Team

Hi Rick, Appreciate your good feedback! Rates are subject to change on a monthly basis and we will do our best to maintain rates as competitive as possible. Regards, Hodlnaut Team

Hi Nils, Thank your for your feedback. We would like to sincerely apologize for the inconvenience you have faced and would like to try to make this a better experience for you. We adhere and comply very strictly with the regulations set out by the authorities. Due the strict compliance, it is not a matter of reading simple documents, but whether your documents adhere to the guidelines of AML regulations set out. That being said, would you be able to send an email to [email protected] so that we will be able to provide you with better assistance to the KYC issue you are facing? We look forward to hearing from you and serving you better so that you can rectify your issue, and hope that you can consider giving us a better rating in future. Regards, Hodlnaut Team

Hi Anthony, Thank you so much for taking the time to write this. We sincerely apologize for any inconvenience you faced during the verification process. As we comply very strictly to the regulations set out by the authorities in Singapore with regards to AML, the video verification is a process put in place by our team and for select individuals. This is also part of our procedures to make sure that users are who they say they are and ultimately, an important part of user security that Hodlnaut upholds. We hope that you will continue using our service and we aim to continuously build trust with users such as yourself. If you have any other questions, please feel free to drop us an email at [email protected] and we will do our best to assist. Additionally, we hope that you will consider giving us a better rating in future! Regards, Hodlnaut Team

Hi C C, Thank you so much for your good review! We apologise for sending you a non-working link the first time around as we accidentally deleted the invite link on our end. On the second try, we tested the link and sent you a working link in which you were able to join the server. However, the reason why you can't see messages is because you did not respond to the instructions which prompted you to react to the emoji stated in the channel called #start-here. It is part of our moderation efforts to prevent spam and scammers, and if you'd like, I can personally assist you to overcome that step because I'm not sure how the service was crappy after sending you a working link in which you were able to join the server. Do let me know via email at [email protected] and I'll be sure to assist you to make sure you're able to see the messages on your end by passing the moderation on the server. Regards, Hodlnaut Team (ct) Regards, Hodlnaut Team

Hi Digitalboy, Appreciate your good feedback! Understand your concerns with German Tax Laws, and we strive to provide these needs to users as we expand. Thank you once again for using our services! Regards, Hodlnaut Team