Step-by-Step Guide on How to Enable Fixed Term Deposits

First published
December 2, 2021
Last updated
August 1, 2022

Hodlnaut has just launched a Fixed Term Deposit feature to allow users to earn greater returns on their crypto investments. Unlike the current Open Term Deposit, this feature allows retail users to deposit any amount and earn higher interest rates when they lock up their crypto assets with Hodlnaut. The fixed-term interest rates are as follows.

Rates are effective 1 August 2022, 5PM (GMT +8)

*Rates are subject to changes depending on market conditions. Fixed Deposits that are already locked in will be honoured the rates at the time of lock-in.

Note: The interest rates depend on the Fixed Deposit Terms as well as the type of cryptocurrency deposited. The longer users lock up their funds, the higher the interest rates. The interest earned is also in-kind.

It is important to understand that if users opt for this, the interest earned on the Fixed Terms is in simple interest (APR). This means that the interest is calculated based on the principal of the term deposit. This is so since Fixed Term Deposits do not automatically have a compounding effect as interest is only paid out upon maturity. The total payout will be unlocked at 5:30pm (GMT+8) on the maturity date and users will then start earning interest based on Hodlnaut’s tiered interest rates.

This new feature has been implemented to offer better interest rates for users with larger deposits. Users may also use the calculator to check if they benefit more from the Open Terms or the Fixed Term Deposit. 

Users also have an alternative to earn at even better rates when they deposit more than 25 BTC or equivalent. To do so, they can approach Hodlnaut’s relationship team by dropping an email at

The new feature is only available on the website and will soon launch on both the iOS and Android mobile applications. The team at Hodlnaut will provide the necessary updates once the function is available on the mobile apps. 

Keen on trying out the new Fixed Term Deposit function? Ahead, we walk you through the steps needed to enable the new feature. 

1. Login to your Hodlnaut Account 

Head over to and log into your Hodlnaut Interest Account. 

2. Click on Fixed Deposit

Click on Fixed Deposit

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

Create Fixed Term Deposit

Choose the currency from the dropdown bar on the right and enter the amount you would like to deposit in the Principal Amount field. 

Enter the Amount

If you are looking to input all of your available balance, click on the Max icon next to the currency dropdown bar or the Available Balance above the currency dropdown bar.

Input All of Your Available Balance

Once done, proceed to 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. 

Choose Any Number of Days

You also have the option to choose the deposit term via the Date Picker by selecting the maturity date as shown in the image above.

Choose the Deposit Term via the Date Picker

You will notice that the APR changes according to the term deposit you choose. The longer the term, the higher the APR. In the example above, a fixed term of 60 days will yield an APR of 4% while a fixed term of 180 days will allow you to earn 4.5% APR. Once you have chosen and confirmed your deposit term, you will not be able to withdraw your funds during the selected time period. Once done, click on Next.

3. Review Fixed Term Deposit Summary 

Fixed Term Deposit Summary 

After clicking on Next, you will 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. 

Click the Confirm button

Upon successful confirmation of the Fixed Term Deposit, you will be brought to a page as shown above. You can then proceed to make a New Deposit or View Statements.

4. View Active and Closed Fixed Term Deposit Statements 

To view your Fixed Deposit statements, you can first click on the Fixed Deposit tab before clicking on the small page icon on the top right-hand corner as shown above. 

Another option to view your statements is by clicking on the Statements tab on the dashboard. You will then see a page such as the above. Scroll down to the Active Fixed Deposits section. Here, you will be able to check the Asset you have chosen to deposit; the Start and Payout Date; the Principal and Payout Amount; as well as the APR. You will also be able to view any Closed Fixed Deposits. 

And that’s it! These are the steps to follow to create a Fixed Term Deposit with Hodlanut. If you have any other questions, feel free to drop us an email at We will respond as soon as we can.

Disclaimer: By using Hodlnaut, users expressly acknowledge and agree to the Terms of Use listed on our website at 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 for the full Terms of Use.

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