Kvarn X: Crypto & Investing

Kvarn X – all your investments in one place Kvarn X is a first-of-its-kind Nordic investment app that brings stocks, ETFs, ETPs, crypto-assets and investment gold together in one service. Designed for modern investors, Kvarn X gives you a clear view of your investments, transparent fees and an intuitive way to follow the markets and manage your holdings. Whether you are just getting started or actively tracking market opportunities, Kvarn X helps you invest with confidence from one easy-to-use app. Invest across different asset classes • Stocks, ETFs and ETPs from global markets • Over 400 cryptocurrencies, including Bitcoin, Ethereum, Solana and XRP • Kvarn X Gold – a digital way to buy and own investment gold • Curated investment themes, such as AI, megatrends, index investing, gold, mining companies and much more Easy trading and portfolio management • Buy and sell directly in the app • Follow market data and your portfolio performance in one place • Manage different asset classes in a modern interface • Discover investment ideas, market content and educational materials through Kvarn Academy • Use Kvarn X on mobile or in your web browser Low and transparent fees • Opening a Kvarn X account is free • No account management fee • No custody fee • Crypto trading fees from 0.1% (min. €1) • Stock and ETF trading fees 0.06% (min. €4) • Clear pricing with no hidden fees Secure Finnish investment platform • Regulatory-compliant custody solutions and institutional-grade protection • Client assets are held separately from the companies’ own assets in accordance with applicable regulation • Kvarn Capital Oy and Kvarn Investment Services Oy are supervised by the Finnish Financial Supervisory Authority Kvarn X Gold • Invest in gold more easily than ever. The most affordable investment gold in the Nordics. • Fees from 0.1% (min. €1) | custody fee €0. • Buy and own investment gold digitally in small amounts, starting from €5. • 1:1 physical backing: every purchase corresponds to physical gold in a vault. • 24/7 trading: buy and sell gold every day of the year, with real-time institutional pricing. Who is Kvarn X for? • Investors who want stocks, ETPs, ETFs, cryptocurrencies and gold in the same portfolio • Crypto investors who value a broad selection and transparent pricing • Long-term investors building a modern and diversified portfolio • Active traders who need real-time market data • Beginners who want an easy and clear way to start investing Download the Kvarn X app and build a modern investment portfolio in one app. Important information All investing involves risk, and past performance is not a guarantee of future returns. On the Kvarn X platform, investment services are provided by Kvarn Investment Services Oy (“KIS”), and crypto-asset services and payment services are provided by Kvarn Capital Oy (“KC”). KIS and KC are licensed operators supervised by the Finnish Financial Supervisory Authority. Commodity trading is provided by Kvarn Metals Oy, which is not supervised by the Finnish Financial Supervisory Authority. Crypto-assets are high-risk investment products. Crypto-assets and commodity trading are not covered by the Investors’ Compensation Fund or deposit protection. Investing in crypto-assets always involves significant risks. The price of crypto-assets can be volatile and there can be a substantial risk that the value of your investment may decrease, that you may receive a lower return than you expected or that you may lose your capital altogether. Each crypto-asset has specific characteristics, and you should independently conduct sufficient research and ensure that you understand the investment and the risks involved before making any investment decisions.