Hodlnaut Account User Guide

First published
April 6, 2021
Last updated
July 6, 2022

Learn how to navigate the Hodlnaut platform and make the most of your crypto with this Hodlnaut Account User guide! 

If you have yet to sign up with us, you can do so here in less than a minute. Once you’ve passed our Know-Your-Customer (KYC) verification process, you can deposit and start earning interest on your crypto. View our latest interest rates here to learn more.

You can utilise the following guide to understand how to deposit and withdraw coins, check your account balance and transaction history, and swap tokens within the platform. If you want to download the Hodlnaut app on your mobile phone, we are available on Android and iOS. Let’s get started!

Login to Hodlnaut 

Login to Hodlnaut via this link https://app.hodlnaut.com/. Input your email address, password, and 2FA code.

If you haven’t created an account, you can sign up by filling in your particulars. We strongly encourage you to create a strong password unique to your Hodlnaut account.

My Account: Account Overview, Balances Overview, and Transactions 

Once you’ve logged in, you will first see the ‘My Account’ tab. This information is displayed in BTC by default. You can choose to view the amount in BTC, ETH, SGD, USD, EUR, GBP, and AUD.

Here is a quick explanation of each terminology: 

  • Total Account Value: Current total value in your account
  • Total Available Balance: Total balance that is available in your account 
  • Total Earned: Total interest that you have earned 
  • Pending Interest Payout: Estimated pending interest to be paid on the next payout date
  • Next Payout Date: The date that you will receive your next payout

Note: The Pending Interest Payout is cosmetic, do view your weekly statements for the actual interest paid out.

Balances Overview 

This section displays each asset, the current 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 in ascending or descending order by clicking on the heading of the respective column.


This section lists all transactions you have made so far. On the left, you can see the description of each transaction, including the Type of Crypto, Date of Transaction, and Time of Transaction. Likewise, on the right, you can see the corresponding amount.

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 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 the address and paste it into the exchange or wallet from where you are transferring the funds. You can also scan the QR code that contains your address from the exchange or wallet to initiate the transfer. 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.

Also, all payment service providers (including Hodlnaut) are required to comply with the requirements of the Travel Rule. To learn more about it please take a look at this guide

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 destination of the withdrawal, the wallet address where you want to send it, and the amount to be withdrawn. You can also see the available funds on your account. If you wish to transfer the entire amount, 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 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

Note: In case the VASP you are withdrawing to supports Sygna Hub then you need to populate the Recipient's Name with the User code. The user code can be found on the platform you are withdrawing to as shown below.

This view is the view of the platform you are withdrawing to.

Also, all payment service providers (including Hodlnaut) are required to comply with the requirements of the Travel Rule. To learn more about it please take a look at this guide


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 and 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’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 link to view your effective interest rates as shown in the image above. 


The Affiliate tab allows you to retrieve your unique referral link and track the number of referrals from Hodlnaut’s Referral Program. For every friend that signs up with your referral link, deposits USD1,000 worth of any asset and holds for 31 consecutive days, you will both receive 30 USDC each!

You can also access your referral link via the iOS and Android mobile applications. Learn more with our iOS and Android guides to understand how to effectively use mobile apps.

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. 

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. 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 to light or dark mode as per your preference 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, add a promo code, change the theme preference, change the interest payout preference, or clear your browser storage in your Hodlnaut account, you can simply click on the setting symbol (User Settings) beside the sun symbol.

Should you want 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.

Do note that your Hodlnaut account will be automatically logged out after 7 days. This is a safety feature in the unlikely event that your phone gets stolen and the thief has access to your passwords and 2FA codes. You will need to input your details, as well as the 2FA code, to log back into your account.

Want additional protection on your crypto funds? Opt for our Nexus Mutual Custody Cover at a small premium. To find out 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.

We offer up to 9.41% on six supporting cryptocurrencies. Sign up for an account today and start earning interest on your crypto!

Disclaimer: By using Hodlnaut, users expressly acknowledge and agree to the Terms of Use listed on our website at www.hodlnaut.com. This includes the relevant risk warnings applicable to you as a user of Hodlnaut's services, prior to/when carrying out Digital Payment Token (DPT) transactions. This article is for informational purposes only, and is not an offer nor a solicitation to invest in DPT, securities, funds, partnership interests or other investments or funding or purchasing loans. It is the user's sole responsibility to conduct due diligence and research extensively into each DPT and platform, and understand that the volatility and unpredictability of the price of DPT may result in significant loss over a short period of time. No information on Hodlnaut should be considered to be business, legal, financial or tax advice regarding the use of Hodlnaut. Users should consult their own legal, financial, tax or other professional advisors before using Hodlnaut. Please refer to our website at https://www.hodlnaut.com/tos for the full Terms of Use.

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