Accredited Investor Opt-In Form – For Individuals

Step 1 of 2

Coinut Pte Ltd (“we”, “us”, “our”) is required under Singapore law, including the Monetary Authority of Singapore’s Guidelines on the Provision of Consumer Protection Safeguards by Digital Payment Token Service Providers (the “Guidelines”), to provide you with certain information before you make a decision on whether you wish to be treated as an Accredited Investor as defined in the Guidelines and more specifically in Section 4A of the Securities and Futures Act (Cap. 289) (the “SFA”). Accordingly, we hereby inform you that:

a. we have assessed you to be an “Accredited Investor” as defined in the Guidelines and more specifically in section 4A of the SFA, based on the information you have provided to us;
b. you may, but are not obliged to, consent to being treated by us as an Accredited Investor for the purposes of all consent provisions under the Guidelines; and
c. if you consent to the treatment outlined in paragraph (b) above, you may withdraw your consent at any time, upon which we will cease to treat you as an Accredited Investor within fourteen (14) calendar days upon the receipt of your request.

General Warning
Accredited Investors are assumed to be better informed, and better able to access resources to protect their own interests and therefore require less regulatory protection. Customers who agree to be treated as Accredited Investors are reminded to exercise utmost caution when dealing in digital payment tokens.

Part 1: Account Information

Registered email address or username *

Full name: *

NRIC/Passport Number: *

Contact Number: *

Part 2: Declaration Selection
Please select the appropriate declaration and provide relevant supporting documents.

I confirm that I am an Accredited Investor as defined in in the Guidelines and more specifically in Section 4A of the Securities and Futures Act (Cap. 289) (the “SFA”). I acknowledge and accept that, having opted in to Accredited Investor status, this treatment will apply to all of my transactions with you. My basis for opting to be treated as an Accredited Investor is that my:

a.) income in the preceding twelve (12) months is not less than S$300,000 (or its equivalent in a foreign currency).
b.) net personal assets exceed S$2,000,000 (or its equivalent in a foreign currency) in value, of which no more than S$1,000,000 (or its equivalent in a foreign currency) in value is contributed by the net estimated fair market value of my primary residence;  
You may calculate your net personal assets* by subtracting your liabilities from the total value of your assets.
Where your net personal assets include digital payment tokens (DPTs), please apply a prudent valuation methodology by taking the lower of the following: 
*The market value of your DPT holdings after applying a minimum 50% haircut; and
*A cap of S$200,000 (or its equivalent in a foreign currency) on the total value of your DPT holdings.
c.) financial assets (net of any related liabilities) exceed S$1,000,000 in value (or its equivalent in a foreign currency); or
You may calculate your financial assets by totalling the value of any of the following assets that you own:
* a deposit as defined in section 4B of the Banking Act (Cap. 19);
* an investment product as defined in section 2(1) of the Financial Advisers Act (Cap. 110);or
* any other asset prescribed as a “financial asset” for purposes of establishing Accredited Investor status by MAS

Supporting Documents *

Click or drag files to this area to upload. You can upload up to 3 files.

Please provide any of the following, each to be dated no earlier than 3 months before the date of submitting this form (except for the title deed)
a.) a copy of your latest Income Tax Assessment; or a copy of your pay slip(s); or a copy of your employment contract stating your position and income.
b.) a copy of the title deed of your primary residence; and your latest bank account statement; and/or your latest statement of holdings from CDP or brokerage firm(s); Any wallet or platform statements showing the value of DPT holdings (if applicable).

Declaration *

I/We confirm that we have read the above in full and:
(a) know and understand the consequences of consenting to being treated by you as an Accredited Investor for the purposes of all of the consent provisions, as set out in Schedule 1 – Explanation of Effect of Being Treated as an Accredited Investor under the Consent Provisions;
(b) consent to being treated by you as an Accredited Investor for the purposes of all of the consent provisions; and and
(c) know that I/we may at any time withdraw our consent to the treatment outlined in paragraph (b) above, upon which you will cease to treat us as an Accredited Investor after fourteen (14) calendar days upon the receipt of request.
(d) confirm that as of the date of this declaration, I/we have not withdrawn the consent described in paragraph (b), or if such a withdrawal has been submitted, the 14-day period referenced above has not yet passed.

In completing, signing, and returning this form to you, I/we represent and warrant that the information and confirmations I/we have provided in this form, and all information contained in this document and any other documentation that I/we provide to you, are complete, true, and accurate. If there is any change in circumstances relating to my (i) net personal or financial asset holdings or income that may affect any of my declarations and representations set out above or (ii) status as an Accredited Investor under Singapore law such that I/we cease to be an Accredited Investor at any time, I/we undertake to promptly inform you of such change in circumstances. If such changes cannot be rectified, I/we acknowledge and accept that you have full discretion to decide to refrain from treating me/us as an Accredited Investor.

Date *

Signature of Main Account Holder *

Clear Signature

I, the undersigned, hereby confirm that the information provided above is correct and undertake to notify the Coinut of any changes in the provided information.

Schedule 1 - Explanation of Effect of Being Treated as an Accredited Investor under the Consent Provisions

The following sets out, in plain language, the effect under the consent provisions of you being treated by us, Coinut Pte. Ltd., as an Accredited Investor. While every effort has been made to ensure completeness, this Schedule may not set out every consequence under each applicable consent provision. You are encouraged to seek independent advice if you require further clarity before consenting to be treated as an Accredited Investor.

Where we deal with you as an Accredited Investor, we may be exempt from complying with certain safeguards and business conduct requirements otherwise applicable to Retail Customers under the Guidelines.

“DPT”, when used in this document, refers to a digital payment token.

1. Pledging, Lending or Staking of Your Digital Assets

When you are treated as an Accredited Investor, we may facilitate transactions that involve the pledging, lending, or staking of your assets. These activities are not permitted for Retail Customers, who are restricted from using their assets in this manner through us.

Specifically, we may allow you to:

Mortgage, charge, pledge, or hypothecate your assets;
Lend, or arrange to lend, your assets;
Stake, or arrange to stake, your assets (including locking them as collateral in smart contracts in connection with blockchain validation and receiving associated rewards)

For clarity, a transfer of your assets to a DPT account specified by you does not constitute a lending or staking arrangement under the Guidelines.

We may carry out such transactions on your behalf without being required to provide specific written risk disclosures or obtain your written acknowledgement of these risks, which we would otherwise have to do if you were a Retail Customer under the Guidelines.

You are therefore not protected by the restrictions and risk disclosure obligations and are expected to understand and manage the risks associated with these types of transactions.

2. No Risk Assessment – You Are Presumed to have Sufficient Knowledge of the Risks

As an Accredited Investor, we are not required to provide you with detailed information on the risks of the DPT services we offer, nor are we required to assess your understanding of such risks.

You may access DPT services without completing any form of Risk Awareness Assessment, which Retail Customers must undergo before being provided with such services. This includes an assessment of your knowledge of DPT-related risks such as extreme price volatility, loss of assets due to service provider failure, and risks associated with dealing with entities outside of Singapore.

We are also not required to inform you of the outcome of any risk assessment or evaluate whether a particular product or service is suitable for you. You are therefore expected to independently understand and manage the risks involved.

3. Access to Incentives and Promotions

As an Accredited Investor, we may offer you promotional incentives that we are not permitted to offer to Retail Customers, as such customers may be more susceptible to being influenced by incentives or referrals due to their comparatively lower financial sophistication.

This means:

We may offer you rewards, bonuses, or other benefits to encourage your use of our DPT services;
We may also offer incentives to third parties (such as existing customers or influencers) to promote or refer our services to you.

These practices are prohibited when dealing with Retail Customers under the Guidelines, but do not apply to Accredited Investors. You are therefore not protected by the restrictions on promotional activities that safeguard Retail Customers from being unduly influenced to transact. You are expected to evaluate any incentive or promotional activity independently and to exercise your own judgment before engaging our services.

4. Access to Credit, Leverage and Derivative Products

As an Accredited Investor, you may be offered products and services involving credit, leverage, or DPT derivatives—which are strictly prohibited for Retail Customers due to the high risk and extreme volatility of DPTs.

These include:

Being offered credit facilities or loans of DPTs to finance your purchase or continued holding of DPTs;
Entering into leveraged transactions that may result in amplified gains or losses, including losses that exceed your initial capital;
Access to DPT derivatives contracts, such as futures or options based on the value of DPTs;
Making DPT purchases using credit cards or charge cards.

Retail Customers are not permitted to access these products because they may lack sufficient understanding of the risks or the financial resilience to absorb substantial losses.

As an Accredited Investor, you acknowledge that:

You are not protected by the regulatory restrictions that apply to Retail Customers;
We are not required to assess the suitability of these products for you or to provide specific risk disclosures before offering such transactions;
You are expected to understand the high-risk nature of credit- and leverage-related DPT transactions, possess the financial capacity to bear potential losses, and exercise independent judgment when choosing to engage in such activities.

5. Limited Complaint Handling Protections

As an Accredited Investor, you will not be entitled to the same level of complaints handling procedures and oversight that apply to Retail Customers under the Guidelines.

Retail Customers benefit from specific safeguards, including:

Oversight of the complaints process by a senior manager or committee of senior managers independent of the business unit;
Structured complaints handling procedures for allegations involving legal or regulatory breaches, unfair practices, or misconduct;
Internal systems to track complaints data, analyse trends, and implement remedial actions; and
Unrestricted access to legal recourse through recognised dispute resolution channels in Singapore (e.g., mediation, arbitration, or court proceedings).

As an Accredited Investor:

We are not required to apply these retail-focused complaints handling measures to your case, although we may do so at our discretion;
You acknowledge that you may not receive the same procedural protections, level of review, or escalation protocols in the handling of your complaints;
You may also be subject to different contractual dispute resolution mechanisms that do not necessarily align with those designed for retail customer protection.

You are expected to raise, manage, and resolve disputes with the understanding that you are not protected by the complaints framework prescribed for Retail Customers under the Guidelines.