Frequently asked questions

What does 'Hodlnaut' mean?

Hodlnaut is a combination of HODL and Astronaut! Hodl is common slang in the cryptocurrency community, where it depicts an act of holding the cryptocurrency rather than selling it.

Hodlnaut is a platform that provides financial services for individual investors where they earn interest on their cryptocurrencies by lending it to margin traders, who would otherwise struggle to access crypto loans.

Two entrepreneurs started Hodlnaut out of Singapore in March 2019. As Bitcoin Hodl-ers, we wanted to build a product that helps Hodl-ers earn sustainable interest.

We lend out the assets we receive to established and vetted financial institutions that pay an interest rate. As for the attractive interest rates, we analyze supply and demand on our available crypto assets to set a fluctuating interest rate that adjusts as market conditions change. Also, we take earnings from our previous months into consideration.

Hodlnaut takes a small portion of the interest earned from lending and passes the rest on to our users. We also lend out the assets to decentralized protocols and earn interest from there.

The partners who borrow from us mostly use it as a hedge against the Bitcoin prices or market-making on their platform/exchange.

We are currently accepting deposits in BTC, DAI, ETH, USDC and USDT.

Hodlnaut is based in Singapore and ruled under Singapore Law, which introduced the Payment Services Act on the 28th of January 2020, which covers cryptocurrencies classified as "digital payment tokens." We have received a six-month grace period, and are currently applying for a license under the new regime.

Further information on the Payment Services Act can be found here
You can also check Hodlnaut Pte Ltd's License status here

Yes, we do! You can invite your friend to Hodlnaut by sharing your referral link and earn 10% of your friend's interest. Please note that you're eligible to participate in our affiliate program only after passing our account verification (KYC) process.

If you're facing technical difficulties or have any other queries and concerns, please email us at, and we'll get back to you as soon as possible.

Because they are generally structured in more complex ways depending on the lender, the terms and conditions may differ. Please contact us at with a brief description of your company and what you're looking to borrow.

We currently offer loans to corporates or institutions only and not to individuals.

No, we don't support the buying and selling of any crypto in our platform.