Hodlnaut Account User Guide

First published
April 6, 2021
Last updated
January 5, 2022

Congratulations! You are now officially a hodler and ready to make the most out of your crypto. And one of the easiest ways to generate yield from your crypto is by depositing it into a Hodlnaut Crypto Interest Account. Earn passive income up to 12.73% APY with Hodlnaut. We’re an interest-earning and lending platform based in Singapore that allows users to earn attractive interest rates. 

You can view the tiered interest rates here.

If you have yet to sign up with us, you can do so here. It takes minutes to create an account, and once you’ve passed our Know-Your-Customer (KYC) verification process, you can begin earning interest immediately. 

As a new user at Hodlnaut, you might be wondering how things work and needing further guidance. Well, this Hodlnaut Account User Guide is just for you!

This guide will help you get to know our platform better and detailing the steps on things like how to withdraw and deposit coins, check your account balance and transaction history, as well as swapping tokens within the platform. If you want to download the Hodlnaut app on your mobile phone, we are also available on Android and iOS. Let’s get started!

Login to Hodlnaut 

Head to our website at www.hodlnaut.com and navigate to our login page on the top right. Input your email address and password. Click on Login.

In case you haven’t created an account, you can sign up for a new account by quickly entering your First Name, Last Name, Email Address, and creating a password. It is advisable to create a strong password that is unique to your Hodlnaut account. 

Your Hodlnaut account will be up and running in no time!

My Account: Account Overview, Balances Overview, and Transactions 

The first tab you will notice after logging in is My Account. You will see Total Account Value; Total Interest Paid, Pending Interest Payout, and the Next Payout Date in the account overview. 

This information is displayed in BTC by default. However, you can choose to view the amount in BTC, ETH, SGD, USD, EUR, GBP, and AUD.

On the Account Overview, you can see Total Account Value, Total Interest Paid, and the Pending Payout. If you’re unsure about the definitions, here’s a quick explanation for your reference. 

  • Total Account Value: Current total value in your account.
  • Total Interest Paid: Cumulative interest paid to date.
  • Pending Interest Payout: Estimated pending interest to be paid on the next payout date.
  • Next Payout Date: The date on which your weekly interest payment will be made. 

Note: The Pending Interest Payout is shown in real-time, and it increases gradually.

Balances Overview 

This section displays the asset concerned, APR/APY Rates, the Pending Payout, Available Balance, and the Value. 

Note: The Annual Percentage Yield (APY) considers compound interest, but the Annual Percentage Rate (APR) does not.

You can sort the balance overview by ascending or descending order by simply clicking on the column heading of the column.


As the name suggests, the Transactions section has a list of all transactions you have made so far. On your left, you can see the description of each transaction. It includes information like the Type of Crypto, Date of Transaction, and Time of Transaction. Likewise, on the right, you can see the corresponding amount. 

The Value mentioned in the list is the currency for which the transaction list is visible. It will change if you choose a different currency from the dropdown mentioned above.

Note: You can download the transaction history by clicking on the download icon on the top right, as shown below. Once you click on the icon, you can then export the list in a .CSV format, and the spreadsheet will be saved on your computer.

The tab right next to My Account is Deposit/Withdrawal. Let us understand how the interface works.


When you click on the Deposit/Withdrawal tab, you will see the Deposit option followed by the Withdrawal option. 

How to Deposit Crypto? 

There are two ways to deposit crypto funds into your Hodlnaut account. Firstly, you can copy and paste the Hodlnaut crypto wallet of your choice to the exchange or wallet where you want to send the crypto from. You can also scan the QR code that contains your address from the exchange or wallet to initiate the transfer. You can deposit the crypto of your choice using the dropdown shown on the left. 

To deposit your BTC, kindly use the Bitcoin Network. To deposit ETH, WBTC, USDC, USDT and DAI, kindly use the Ethereum (ERC20) Network. Please ensure that you send your coins using the correct network. Any coins sent via the wrong network will not be credited and your coins will be lost.

Note: The deposits you make are entitled to interest, and the crypto interest rate is the sole discretion of the company.

Do note that you will have to verify your account before making a deposit. You will also need to enable two-factor authentication, i.e., 2FA, on your account to keep it secure. Need help with your KYC verification? We’ve written the step-by-step guide for you and you can check it out here.

How to Make a Withdrawal?

To withdraw the crypto of your choice, you can simply select it from the dropdown menu on the left. Next, you can insert the recipient’s name, the wallet address where you want to send to, and the amount to be withdrawn. The recipient’s name is used to label the wallet address. It can be your name, the name of the exchange or anything you prefer. You can also see the available funds on your account. If you wish to transfer all amounts, simply click on the value and it’ll be copied to the Amount section.

If you would like to select a wallet address from saved addresses, simply click on Show Saved Addresses below the Recipient’s Address field. You will then be able to view a table with the addresses that were previously saved as shown in the image above. Select the address you would like to send the crypto to by clicking on the Send button on the right.

We also recommend you to enable the Withdrawal Whitelist function. It is an additional security feature besides enabling 2FA. It ensures that the crypto assets in your Hodlnaut account are only sent to known and verified withdrawal addresses. If you’d like to enable the feature, check out our comprehensive guide here


The third tab from the left is the Statements tab. Click on it to view your Interest Statement. You can choose the cryptocurrency for which you want to view your Interest Statement in. You can then select the date bracket for which you wish to view the statement by clicking on the date range. 

The Statement shows the Date, Interest Rate (APR), Balance, and Interest Earned. You can also see the Total Amount at the bottom right corner.

Hodlnaut has a tiered interest rate structure to ensure our users receive the best experience on our platform while maintaining sizable yields. Tiers are calculated on a per asset basis.

Here is an example of how the interest structure will be calculated. 

If you deposit 0.2 BTC on 2 November with Hodlnaut, your 0.2 BTC will earn you 7.20% APY. This means you will receive 0.00004190 BTC. On 3 November you will also receive 0.00004190 BTC and thus, the total interest you will earn is 0.00008380 BTC. Here’s a guide on how interest rates are calculated at Hodlnaut. 

On the same page, you will also be able to scroll down to the Interest Rates section where you can click on the dropdown bar to view your effective interest rates as shown in the image above. 


The Affiliate tab allows you to retrieve your unique referral code and track the number of referrals from Hodlnaut’s Referral Program. You can refer your friends to Hodlnaut and earn 10% from your friend’s interest as commission rewards. Do note that the 10% commission is not taken out from your friend’s interest earned. 

The Referral Program also offers a sign up bonus of US$20 to your friend when they deposit US$1,000 in a single transaction as their first deposit or within 1 week from their first deposit.

The bonus payout will be paid in the same asset deposited. 

All you need to do is to copy the referral link and share it with your friends. You can also access the referral link via the iOS and Android mobile applications. You can check out our guide on both the iOS and Android mobile applications to understand more on how to effectively use the apps.

To check if you applied a referral code successfully, you can do so by looking at the Referred By tab on the top right hand corner of the page.

To check your referrals, you can scroll down to the section labelled as My Referrals. Here, you will be able to view your referrals’ Email, Date of Sign Up, and their Status to see if they are active. Do note that being active will mean that your referees have passed the KYC verification process. 

You can also click on the View Commission Earned button on the top right hand corner of the My Referrals section. You will be able to view the Date of payout from the commission earned from your referees and the Total amount of commission earned. 

Fixed Deposit

Hodlnaut also recently launched a new Fixed Term Deposit feature to allow you to earn greater returns when you lock up your assets. The longer the deposit term, the higher the interest rates.

This new feature has been implemented to offer better interest rates for users with larger deposits. It is important to understand that if you do opt for this, the interest earned on the Fixed Terms is in simple interest (APR). This is so since Fixed Term Deposits do not automatically have a compounding effect as interest is only paid out upon maturity. 

To enable the feature, tap on Fixed Deposit on the top right hand corner of the dashboard after logging in. You will be redirected to a page as shown above. Thereafter, you can proceed to Create Fixed Term Deposit. 

You can then choose the currency from the dropdown bar on the right and proceed to enter the amount you would like to deposit. Next, select the deposit term via the Term Slider. Do note that the minimum term is 28 days while the maximum is 180. You are able to choose any number of days within the range. 

Once done, click on Next. You will then be able to view the summary of your Fixed Term Deposit. Ensure that all the information provided is correct and accurate before clicking the Confirm button. 

Check out the detailed guide here to fully understand each step to take to enable this feature. 

Token Swap 

The Token Swap feature allows you to trade between different assets within the Hodlnaut platform. It essentially gives you the ability to choose the type of asset in which you want to earn interest.

Using Token Swap is very easy. Choose the tokens you want to swap via the dropdown option and enter the amount you would like to pay.

Type the amount you want to pay, and it will show you the amount you will receive in the other token. You can then click on Review Quote to review the details and place an order within 30 seconds for the transaction to be successful. Hodlnaut also recently launched a Market Order function within the Token Swap feature. Check out the guide here to learn more about how you can enable the function. 

You may also check the detailed guide on the Token Swap feature to fully understand how it works. 

Light & Dark Mode

You can switch the light or dark mode for your convenience by clicking the sun symbol beside the account symbol on the top right corner or changing it in User Settings. When you apply the dark mode, your Homepage, Toolbar, Settings, and some other features will be in the dark theme.

Light mode

Dark Mode

User Settings

If you are looking to change your password, terminate your account, or clear your browser storage in your Hodlnaut account, you can simply click on the setting symbol (User Settings) beside the sun symbol.

If you would like to enable or disable your 2FA, you can do so by toggling the switch under Enable 2FA. If you are facing any issues with your 2FA, kindly refer to our helpful 2FA guide here.

If you would like to have additional protection on your funds, you can also consider opting in for our Nexus Mutual Custody Cover at a small premium. To find out more on how it works, kindly refer to this guide here.

We hope that the User Guide helps you get familiar with the platform. In case you have any further queries, you can always contact us at support@hodlnaut.com or visit us at https://www.hodlnaut.com/


Hodlnaut is a platform that provides financial services for individual investors where they can earn interest on their cryptocurrencies by lending to institutions. Users can deposit their crypto assets into a Hodlnaut Interest Account and earn favorable interest rates.

Our current interest rates are 7.46% APY for BTC, WBTC, and ETH, 8.32% for DAI, and 12.73% for USDC and USDT. Sign up for an account today and start earning interest on your crypto!

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