Terms of Service
Last updated: 11 August 2026
Holdra Technologies, LLC — a Wyoming limited liability company.
Registered office: ⟨ADDRESS — FILL IN BEFORE PUBLISHING⟩
Company / filing number: ⟨FILL IN⟩
Contact: hello@holdra.ai
These Terms are an agreement between you and Holdra Technologies, LLC ("Holdra", "we"). By creating an account you accept them.
1. What Holdra is
Holdra is software. Through the app you create and use a self-custodial crypto wallet, move money in and out of it, place funds in a third-party savings protocol, swap tokens, and — if you switch it on — run an automated trading strategy on a third-party exchange.
Holdra is not a bank, broker, exchange, fund, asset manager, investment adviser, or custodian. We do not take deposits, do not pool client money, and do not manage a portfolio on your behalf at our own discretion.
2. Your wallet, and what we can and cannot sign
Your wallet is created through our infrastructure provider, Privy. This section states plainly what that means, because it is the most important thing in this document.
| Action | Who authorises it |
|---|---|
| Withdrawing or sending money out of your wallet | You, by confirming on your device. We cannot do it without that confirmation. |
| Swapping tokens, and moving money into or out of savings | You request it in the app; we then sign it with our key, and only for the exact operations a pre-set policy permits. |
| Placing strategy orders on the exchange | We, using a trading key you approve on the exchange. That key can trade. It cannot withdraw — the exchange enforces that, not us. It expires after 90 days unless you renew it. |
So: we cannot move your money out to a third party, but for swaps, savings and strategy orders we do act with a key of our own inside limits you have agreed. If that is not acceptable to you, do not enable those features.
Accounts created before August 2026 may still have a wallet whose owner is our key quorum rather than you. If yours is one of them, we will tell you in the app and move you across. Funds are never moved between wallets without your instruction.
3. Savings
Savings deposits go into a vault contract we own, which in turn holds the whole balance in a third-party lending vault (an ERC-4626 vault on Morpho). The shares of our contract are held at your own wallet address. We do not hold them, do not pool them with anyone else's, and do not move them between vaults.
We select the single vault the app offers. We do not choose it for you transaction by transaction and do not rebalance you into a different one. Our contract keeps a share of the interest that vault pays — 10% as of 17 August 2026 — so the rate you see in the app is already net of it. The app reads that share from the contract and shows it beside the rate; we may change it at any time, without notice, up to the ceiling the protocol allows. The interest underneath is the protocol's, not a rate we offer or promise, and it changes without notice.
4. Automated strategies
A strategy places orders according to rules published in the app and to limits you set — maximum exposure and maximum drawdown. Those limits are yours: they are not raised or lowered by your subscription, and we do not change them without a recorded reason. The system executes what your settings permit and nothing else.
Trading is unavailable until you have an active subscription, and stops if it lapses.
5. Eligibility
You must be at least 18 and legally permitted to hold and trade crypto-assets where you live. You are responsible for determining that, and for any tax arising from your activity. We do not provide tax advice or tax reporting.
We will not process an outgoing transfer to an address that appears on international sanctions lists, and we may suspend an account where the law requires it.
6. What we charge
| Charge | Amount |
|---|---|
| Subscription | $29 / $79 / $199 a month. It buys a number of operations a month and a number of recurring plans — not permission to trade a larger balance. |
| Swap fee | A percentage of the token you buy, shown in the app before you confirm each swap. Some pairs are exempt and show no fee. |
| Exchange builder fee | A small percentage of strategy trading volume, paid to us by the exchange. You approve it once on the exchange; without that approval it is not charged. |
| Savings interest share | A share of the interest the savings vault pays, kept by our vault contract before the rate you see — 10% as of 17 August 2026, shown live in the app beside the rate. Charged on interest only, never on your principal. We may change it without notice. |
| Share of your trading profits | None. We do not take one, and we charge no fee on the size of your balance. |
Third parties charge separately and we do not control their prices: the exchange charges trading fees, the network charges gas (we currently pay gas for in-app operations, and may stop doing so with notice), and the fiat on-ramp provider charges its own fee.
Subscriptions bill in advance and renew until cancelled. Cancellation takes effect at the end of the paid period. Unless the law requires otherwise, fees already paid are not refunded.
7. No advice
Nothing in the app or on this site is financial, investment, legal, or tax advice, and nothing is a recommendation to buy or sell any asset. Strategy descriptions state what a strategy does. Performance figures show what has happened, labelled with whether it was paper trading or real money. We publish no forecast and no expected return.
8. Availability and changes
We may modify, suspend, or discontinue any feature or strategy, including for risk or regulatory reasons and sometimes without prior notice. We aim for continuous operation but do not warrant uninterrupted or error-free service. Third parties we depend on — the exchange, the wallet provider, the savings protocol, the networks — can fail or change their terms, and we cannot guarantee their availability.
9. Limitation of liability
To the maximum extent permitted by law, Holdra is provided "as is" without warranties of any kind. We are not liable for trading losses, lost profits, losses caused by a third-party protocol or exchange, or indirect, incidental, special, or consequential damages. Where liability cannot be excluded, our total aggregate liability is limited to the fees you paid us in the twelve months before the claim.
Nothing here excludes liability that cannot lawfully be excluded, including for fraud.
10. Termination
You may stop using Holdra and delete your account at any time from the app. We may suspend or terminate access for breach of these Terms, suspected fraud or abuse, or where required by law.
On termination, strategies stop and our key stops signing. Your wallet and the assets in it remain yours: it is a self-custodial wallet held with Privy, and your ability to reach it does not depend on our account continuing to exist.
11. Changes to these Terms
We may update these Terms. Material changes will be notified in the app or by email. Continued use after changes take effect constitutes acceptance.
12. Contact
Questions about these Terms: hello@holdra.ai