Last updated: August 13, 2026
These Terms of Service are a binding agreement between you and HIHODL TECHNOLOGIES OÜ, a company incorporated in Estonia ("HOLD", "we", "us"). By accessing and using HOLD's website (hihodl.xyz) and services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this service.
HOLD provides a self-custodial, multichain cryptocurrency wallet service. Our services include, but are not limited to, wallet management, blockchain interactions, and related financial technology services. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time.
You must be at least 18 years old to use our services. By using HOLD, you represent and warrant that:
When you register for our waitlist or create an account, you agree to:
HOLD is non-custodial software: a multichain self-custody wallet that lets you generate, store, and use cryptographic keys on your own device and interact directly with public blockchain networks. HOLD is a software provider, not a bank, custodian, or exchange. This means:
So that you can restore your wallet on a new device by signing in, HOLD stores an encrypted copy of your recovery phrase. Encryption and decryption happen on your device; the phrase is never sent to us in readable form.
You should understand what this does and does not mean. The key that encrypts this backup is currently derived from values held on our systems rather than from a secret only you know. That is what allows you to recover your wallet with nothing but your sign-in, and it also means that HOLD is technically capable of decrypting this backup. We do not do so, it is not part of how the product works, and it does not give us the ability to move your funds without you. We are replacing this design with one in which no single party, HOLD included, holds enough material to decrypt the backup alone. We would rather tell you this plainly than describe our software as something it is not.
If you do not want us to hold a recoverable backup of your recovery phrase, write your recovery phrase down and keep it somewhere safe, then email privacy@hihodl.xyz and we will delete the stored backup. After deletion, your recovery phrase is the only way to restore your wallet, and if you lose it, no one — including us — can recover your funds.
Any optional time-lock, allowlist, spending-limit, or smart-wallet recovery features are tools you configure and control; they do not transfer custody of your keys or assets to us.
Core self-custody wallet functionality is available broadly, subject to applicable law. However, certain features require identity verification before they can be unlocked.
To access features such as on-ramps, off-ramps, fiat payment rails (for example SPEI in Mexico), USD and fiat accounts, and the payment card (collectively, "Regulated Features"), you must complete identity verification ("KYC") in accordance with applicable anti-money-laundering, counter-terrorist-financing, and sanctions requirements.
Identity verification is performed by our verification partner, Sumsub (Sum and Substance Ltd.) and/or its affiliates ("Sumsub"). When you complete verification, your identity documents, selfie and liveness check, and biometric data are captured and processed by Sumsub. HOLD does not store your identity documents, selfie, or biometric data on your device or on our servers — HOLD receives only a verification status and the minimum data required for compliance. See our Privacy Policy for details, including the explicit consent required for biometric (special-category) data.
To enable Regulated Features, we and/or Sumsub may share your verification result and relevant compliance data (such as country of residence) with regulated third-party providers. Those providers are named, with what each one does and what data it receives, on our Service Providers page, which we keep current as integrations change. Some providers run their own independent KYC and may require additional information directly from you. Your use of a provider's services is also governed by that provider's own terms and privacy policy.
Availability of Regulated Features depends on your country of residence and on provider coverage. During verification you may be asked to select your country from a list of supported regions; if your country is not listed, the relevant feature is not available to you, and Regulated Features may be unavailable in some jurisdictions. HOLD is global-first with an initial focus on Latin America (for example, Mexico, Brazil, Argentina, and Colombia) and is expanding to additional regions over time. Supported jurisdictions may change.
HOLD provides passive, non-custodial software that lets you access tokenized stocks (also called tokenized equities) — blockchain tokens that track the price of an underlying share or fund and are issued by a third-party issuer under a prospectus approved in the European Union / Liechtenstein. A tokenized stock is a security and is not the underlying share; holding it does not make you a shareholder and confers no voting or other shareholder rights. In relation to tokenized stocks, HOLD is not a broker-dealer, exchange, investment firm, financial adviser, or issuer; does not custody, mint, redeem, or take the other side of your trade; and provides no investment advice or recommendation. You buy and sell tokenized stocks yourself, through a non-custodial on-chain swap executed against third-party liquidity from your own wallet. On-chain transactions are irreversible. Tokenized stocks carry issuer, counterparty, market, liquidity, technology, and regulatory risk, including the possible total loss of your capital.
Tokenized stocks are offered only to eligible, identity-verified users resident in supported regions, and are gated by both a location check and a verified-residence (KYC) check. They are not offered, sold, or marketed to U.S. Persons or to persons in the United States, Canada, the United Kingdom, Australia, or any other restricted jurisdiction; the underlying tokens are offered outside the United States to non-U.S. Persons in reliance on Regulation S. By buying, holding, or selling a tokenized stock you represent that you are not a U.S. Person, are not located in or resident of a restricted jurisdiction, and are acting for your own account. Your use of tokenized stocks is additionally governed by, and you must read and accept, the Tokenized Stocks Product Disclosure, the Investment Risk Disclosure, and the Restricted Jurisdictions list. The "as is" / no-warranty disclaimer and the limitation of liability elsewhere in these Terms apply in full to tokenized stocks.
We, our partners, or providers may decline, suspend, or revoke access to Regulated Features if verification is not completed, if documents do not satisfy applicable criteria, or where required by law or risk controls.
The Services are provided electronically. By using HOLD you agree to transact with us, to sign agreements and consents (including KYC and biometric-processing consents collected via our verification partner), and to receive disclosures, notices, and other communications in electronic form. For full details, see our Consent to Electronic Communications and Signatures.
You agree not to use our services to:
If you participate in our referral program:
All content, features, and functionality of our services, including but not limited to text, graphics, logos, icons, images, and software, are the exclusive property of HOLD and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:
Cryptocurrency transactions are irreversible. You are solely responsible for verifying transaction details before confirming.
Some features of the Services — including Traveler and any visa-day, Schengen 90/180, tax-residency, or similar calculators, counters, forecasts, and estimates (collectively, "Informational Tools") — are provided for general informational and planning purposes only. Informational Tools are not tax, legal, accounting, or immigration advice; HOLD is not a tax advisor, law firm, accountancy, or immigration adviser; and no advisory, professional, or fiduciary relationship is created by your use of them.
The "as is" / no-warranty disclaimer in Section 11 and the limitation of liability in Section 13 apply in full to the Informational Tools. Further detail on how these estimates are produced, the data behind them, and their limits is available at hihodl.xyz/legal/traveler.
To the maximum extent permitted by law, HOLD and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:
You agree to indemnify, defend, and hold harmless HOLD and its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of or relating to your use of our services, violation of these terms, or infringement of any rights of another.
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms of Service. Upon termination, your right to use our services will cease immediately.
HOLD is operated by HIHODL TECHNOLOGIES OÜ, a company incorporated in Estonia. Except where mandatory local consumer-protection law of your country of residence provides otherwise, these Terms of Service shall be governed by and construed in accordance with the laws of Estonia, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be resolved through appropriate legal channels.
We reserve the right to modify or replace these Terms of Service at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Your continued use of our services after any changes constitutes acceptance of the new terms.
If any provision of these Terms of Service is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. These Terms of Service constitute the entire agreement between you and HOLD regarding our services.
If you have any questions about these Terms of Service, please contact us at:
HIHODL TECHNOLOGIES OÜ
Registered in Estonia — the entity behind HOLD
Email: legal@hihodl.xyz
Website: https://hihodl.xyz