Disclosures
Last updated: 11 August 2026
Who Holdra is, what it can do with your money, and how it is paid.
Holdra Technologies, LLC — a Wyoming limited liability company.
Registered office: ⟨ADDRESS — FILL IN BEFORE PUBLISHING⟩
Company / filing number: ⟨FILL IN⟩
Holdra is: software for a self-custodial wallet, with optional automated trading on a third-party exchange.
Holdra is not: an investment adviser, broker-dealer, fund, hedge fund, asset manager, custodian, bank, or fiduciary.
1. What we can sign, and what we cannot
Saying "we never touch your money" would be simpler. It would also be untrue, so here is the actual line.
- We cannot send your money to anyone. A withdrawal or transfer out is signed on your device. Without that confirmation it does not happen.
- We do sign some operations for you — swaps, and moving money into and out of savings — using a key of ours, restricted by a policy to those operations. You trigger each one in the app.
- We hold a trading key for your exchange account. You approve it on the exchange, it expires after 90 days, and the exchange does not let it withdraw anything. While it is active, we place orders with it according to your settings.
Savings shares sit at your own wallet address. We do not hold them, do not pool client funds, and do not move anyone between vaults.
Those shares are shares of a vault contract we own
(0x5b1406e535337c1a5088A21c1639D0E61D621bA0 on Base), which holds the whole
balance in the third-party vault underneath. The contract keeps a share of the interest for
us — see section 5. One address we control holds every privileged role on it: owner,
curator, fee recipient, sentinel, allocator. That address cannot send your
money to a different vault and cannot block your withdrawal — those powers
were given up on-chain, irreversibly. It can change the share we keep, with
no delay and no notice.
2. Nothing here is advice
Strategy descriptions, performance charts, and any content in the app or on this site are informational. They are not a recommendation to buy or sell any asset and not financial, investment, legal, or tax advice. You choose whether to use Holdra and which strategy to run. The app contains no chatbot or model that answers questions about your portfolio.
3. How to read our numbers
| What we show | What it means |
|---|---|
| Performance charts | What actually happened, labelled with whether it was paper trading or real money, and over what period. |
| Savings rate | What is left for you after the share we keep (section 5). The rate underneath is the lending protocol's, not ours; it is not fixed and it can fall. Our share is shown in the app in the same line as the rate, read live from the contract rather than typed into the app. |
| Expected return | We do not publish one. No forecast, no target band, no "expected monthly return" anywhere in the product. |
Most of our track record is paper trading over a short period, and paper trading does not reflect real execution costs, slippage, or the behaviour of a real order book. Past and simulated performance do not indicate future results. See the full Risk Disclosure.
4. Strategy status
Daily Yield is experimental. Its risk profile has not been confirmed with live data. Treat it as research, not a settled product. All strategies are available on every subscription plan — we do not put the unproven one behind a higher price.
5. How we are paid, including the conflicts
| Source | Detail |
|---|---|
| Subscription | A flat monthly fee that buys a number of operations and recurring plans. It does not scale with your balance. |
| Swap fee | A percentage of each swap, shown before you confirm. This is a conflict: we earn more when you swap more. We do not initiate swaps — every one is started by you. |
| Exchange builder fee | A small percentage of strategy trading volume. This is a conflict: more trading means more fee. Strategy turnover is set by the strategy rules and your limits, not by a person choosing to trade more. |
| Savings interest share | Savings deposits pass through a vault contract we own, and it keeps a share of the interest the vault pays before the rate you see — 10% as of 17 August 2026. It is charged on interest only, never on your principal. This is a conflict: we earn more the more you keep in savings and the longer you leave it there. We can raise it in one transaction, with no delay and no notice, up to the ceiling the protocol allows (half the interest) — so trust the figure the app shows next to the rate, not the one printed here. |
| Fiat on-ramp | Card purchases run through MoonPay on our merchant account, and we receive a share of MoonPay's fee. |
| Referrals | We pay existing users a fixed reward when someone they referred subscribes. |
Apart from the savings interest share above, we do not take a share of your profits, do not charge a fee on assets under management, do not trade against you, and do not sell your order flow. Nothing we charge is levied on your principal, and nothing we charge is levied on strategy profits.
6. Jurisdiction
Holdra is not offered where its use would be unlawful. Availability of the service and of individual features may vary by jurisdiction and may change. You are responsible for complying with the laws that apply to you.