Holyheld Crypto-Asset Pricing Methodology

Last Update: 19.12.2025

1. This Summary provides a clear and client‑friendly explanation of how UAB Holyheld Financial (the “Company”) determines prices for crypto‑asset exchange services. It is designed to help Clients understand, in plain language, how prices are formed, what factors may affect them, and how fairness and transparency are ensured.

2. Purpose of the Pricing Methodology

2.1. The Company uses a structured and transparent pricing framework to ensure that:

  • 2.1.1. crypto‑asset prices are determined in a fair, objective, and consistent manner;
  • 2.1.2. prices reflect real market conditions at the time of the exchange;
  • 2.1.3. Clients receive clear, executable quotes before confirming an exchange;
  • 2.1.4. pricing practices comply with applicable EU and Lithuanian regulatory requirements, including MiCA.

3. How Prices Are Determined

3.1. The Company applies a multi‑layer pricing process that combines:

  • 3.1.1. data from multiple external market sources;
  • 3.1.2. validation and quality checks on incoming price data;
  • 3.1.3. aggregation and calculation mechanisms;
  • 3.1.4. safeguards for exceptional market or technical conditions.

3.2. Prices are generated at the time a Client requests an exchange. The Company does not publish fixed or pre‑set prices in advance.

4. Market Data Sources

4.1. To determine base market prices, the Company collects price data from several independent external market data providers.

4.2. Key principles include:

  • 4.2.1. use of multiple data sources to avoid reliance on a single market;
  • 4.2.2. prioritisation of reliable and liquid markets;
  • 4.2.3. continuous monitoring of data quality and availability;
  • 4.2.4. automatic fallback to alternative sources if a provider becomes unavailable.

5. Price Calculation and Validation

5.1. Incoming market prices are subject to automated checks to ensure reliability. These checks include:

  • 5.1.1. comparison across multiple sources;
  • 5.1.2. detection of abnormal or inconsistent prices;
  • 5.1.3. rejection or adjustment of unreliable data.

5.2. Only validated prices are used to calculate exchange quotes presented to Clients.

6. Stablecoin Pricing

6.1. For stablecoins (crypto‑assets designed to maintain a stable value), the Company applies additional safeguards.

6.2. These include:

  • 6.2.1. monitoring how closely the stablecoin tracks its reference value (for example, a currency peg);
  • 6.2.2. assessing liquidity and observable market behaviour;
  • 6.2.3. applying protective measures if significant deviations occur.

6.3. If abnormal deviations persist, the Company may temporarily restrict or suspend exchanges involving the affected stablecoin.

7. Pricing of Crypto‑to‑Crypto Exchanges

7.1. Where no direct market price exists between two crypto‑assets, the Company determines prices using indirect reference markets.

7.2. This approach ensures that:

  • 7.2.1. prices remain consistent with observable market values;
  • 7.2.2. derived exchange rates are validated against multiple calculation paths;
  • 7.2.3. abnormal discrepancies are detected and addressed.

8. Fees and Total Cost

8.1. The price shown to a Client includes all applicable components before the exchange is confirmed.

8.2. These may include:

  • 8.2.1. the exchange rate based on market prices;
  • 8.2.2. service fees applied by the Company;
  • 8.2.3. network or blockchain transaction fees;
  • 8.2.4. payment‑method‑related fees, where applicable.

8.3. All fees are calculated transparently and disclosed to the Client before final confirmation.

9. Executable Quotes and Finality

  • 9.1. When a Client requests an exchange, the Company provides a firm, executable quote that:
  • 9.1.1. is valid for a short, clearly defined period;
  • 9.1.2. includes the full price and applicable fees;
  • 9.1.3. must be accepted by the Client to complete the exchange.

9.2. Once a valid quote is accepted and confirmed, the exchange becomes final and binding.

10. Market Volatility and Exceptional Conditions

10.1. Crypto‑asset markets can be volatile. To protect Clients and ensure pricing integrity, the Company applies safeguards such as:

  • 10.1.1. temporary adjustments during periods of high volatility;
  • 10.1.2. automated circuit breakers if prices become unreliable;
  • 10.1.3. suspension of exchanges during severe market disruptions or technical issues.

10.2. These measures are designed to prevent exchanges at distorted or unreliable prices.

11. Risk Management and Oversight

11.1. The pricing framework is integrated into the Company’s overall risk management system.

11.2. Oversight includes:

  • 11.2.1. continuous monitoring of market and liquidity risks;
  • 11.2.2. predefined limits and controls;
  • 11.2.3. Management Board oversight of pricing methodology and material changes;
  • 11.2.4. regular reviews to ensure ongoing fairness, accuracy, and regulatory compliance.

12. Transparency and Client Information

12.1. The Company is committed to transparency. Clients are provided with:

  • 12.1.1. clear price quotes before confirming an exchange;
  • 12.1.2. information on applicable fees and costs;
  • 12.1.3. visibility of any restrictions or suspensions affecting pricing or exchange services.

13. Further Information

13.1. For further information, Clients may contact the Company via official support channels in Holyheld web or mobile application, or via email support@holyheld.com.