Risk Disclosure

Last updated: 11 August 2026

Issued by Holdra Technologies, LLC, a Wyoming limited liability company. Registered office: ⟨ADDRESS — FILL IN BEFORE PUBLISHING⟩.

1. You can lose your capital

Crypto markets are volatile and can move sharply against a position at any hour. Losses can happen quickly and can exceed what a calm month of gains produced. An automated strategy does not remove this; it only removes the need for you to press the button.

2. We publish no expected return

Holdra shows no forecast, target band, or "expected monthly return" for any strategy. Where you see a number, it is something that has already happened, labelled with the period it covers and with whether it was paper trading or real money.

This is deliberate. Most of our track record is short-run paper trading, and paper trading does not reflect real execution costs, slippage, liquidity limits, or how a real order book behaves. Past performance — real or simulated — does not indicate future results.

• Alpha Index — directional. Expect meaningful drawdowns in adverse markets.
• High Growth — the highest-risk strategy. Deep drawdowns are within normal operation, not an anomaly.
• Daily Yield — experimental. Its risk profile is still being confirmed with live data and may prove worse than modelled.

3. Savings are lending, not a deposit

Money placed in savings is lent through a third-party protocol. It is not a bank deposit, it is not insured or guaranteed by anyone, and there is no protection scheme behind it.

The rate is set by the protocol and changes continuously; it can fall to near zero. The underlying loans can go bad, the protocol's own price feeds can be manipulated, and in stress the vault may not have liquidity to return your money immediately. A bug in the vault's contracts can lose the entire balance. We select the vault the app offers, but we do not underwrite it and cannot make you whole if it fails.

Your deposit also passes through a vault contract of ours, and that contract keeps a share of the interest — 10% as of 17 August 2026. We can raise that share in a single transaction, with no delay and no notice, up to the ceiling the protocol allows: half the interest. Your principal is untouched by such a change, but what reaches you can fall for that reason alone, with nothing happening in the market. The app shows the share in force right now beside the rate; the number printed on this page can be out of date. That contract can no longer redirect your money to another vault or block your withdrawal — those powers were given up on-chain and cannot be taken back — but it is still a contract we wrote and it can still contain a defect.

4. Smart contracts, networks, and stablecoins

Every on-chain action depends on software we do not control. Contracts can contain defects or be exploited. Networks can halt, congest, or reorganise. Bridges between networks are a repeated target of large thefts. A stablecoin can lose its peg, and a token can lose its market. Transactions, once confirmed, cannot be reversed by us or by anyone.

5. Trading on the exchange

Strategy orders execute on a third-party exchange. Positions can be liquidated. Funding rates can turn against a position. In extreme conditions an exchange may automatically reduce or close positions, halt trading, change its rules, or become unavailable. Orders can be filled at worse prices than quoted, and in public networks trades can be front-run.

6. Custody and access

Your wallet is self-custodial: the assets are yours and reaching them does not depend on our company continuing to exist. That cuts both ways.

• Losing access to your sign-in and recovery method can mean losing the funds. There is no password reset that recovers a wallet, and we cannot restore one for you.
• Sending to a wrong address, or on the wrong network, is permanent.
• Our wallet infrastructure provider, Privy, is a dependency: an outage there can stop you transacting through the app until it is restored.
• While a strategy is enabled, we hold a key that can place orders on your exchange account. It cannot withdraw. A compromise of our systems could still cause trading losses on your account.

7. Technology and execution risk

Holdra depends on exchange APIs, network connectivity, price feeds, and third-party infrastructure. Outages, rate limits, API changes, latency, stale prices, or defects in our software may cause missed trades, delayed exits, unintended positions, duplicated orders, or losses. Automated systems fail in ways a human operator would not.

8. Not advice

Holdra is software. It is not an investment adviser, broker-dealer, fund, or fiduciary, and nothing it produces is financial, investment, legal, or tax advice. You decide whether to use it and which strategy to run. If you are unsure, consult a qualified professional licensed in your jurisdiction.

9. Tax

Swaps, trades, and yield may each be taxable events where you live. We do not provide tax advice and do not produce tax reports. Keeping records is your responsibility.

10. Regulatory and availability risk

Crypto regulation differs by jurisdiction and changes over time. Access to Holdra, to specific features, or to particular venues may be restricted, altered, or withdrawn, in some cases without notice. You are responsible for complying with the laws that apply to you.

11. No guarantee of continuity

We may modify, suspend, or discontinue any feature or strategy, including for risk reasons and without prior notice.