Abra FAQs

Unfortunately, due to ongoing regulatory uncertainty in the United States (where Abra is based), all users who currently hold anequityasset will no longer be eligible to hold these assets in the Abra app after December 15th, 2019.If you hold anequityasset on November 21st, 2019, these assetswill go into a sell-only mode. Current and new users will no longer be able to invest in equities after November 21st, 2019.You will need to exchange or withdraw yourequityasset(s) byDecember 15th, 2019 or they will be converted to bitcoin.Keep in mind these changes may not be permanent and we'll be sure to issue an update when or if these assets become available in-app again.

Abra apologizes for the inconvenience this may cause and if you have any questions please reach out at [email protected]

IMPORTANT INFORMATION FOR US CITIZENS/RESIDENTS

The equity and index products described below are NOT offered for sale in the United States of America, its territories or possessions, nor to any US person, including citizens of the United States of America, permanent residents of the United States of America (i.e., Green Card Holders) and companies established under the laws of the United States of America. Furthermore, the equity and index products described below are NOT offered for sale in any country or jurisdiction or to any persons where the purchase or sale of such products would constitute a violation of law.

Our current list:

ETFsAAXJ iShares MSCI All Country Asia ex-JapanAGG iShares Core U.S. Aggregate BondEEM iShares MSCI Emerging MarketsEFA iShares MSCI EAFEEWA iShares MSCI AustraliaEWJ iShares MSCI JapanEWU iShares MSCI United KingdomEWW iShares MSCI MexicoEWZ iShares MSCI BrazilFXI iShares China Large-CapGLD SPDR Gold TrustGOVT iShares U.S. Treasury BondGSG iShares S&P GSCI Commodity-Indexed TrustINDA iShares MSCI IndiaIWM iShares Russell 2000QQQ Invesco QQQRSX VanEck Vectors RussiaSPY SPDR S&P 500TIP iShares TIPS BondUSO United States Oil FundVEA Vanguard FTSE Developed MarketsVEU Vanguard FTSE All-World ex-USVGK Vanguard FTSE EuropeVNQ Vanguard Real EstateVTI Vanguard Total Stock MarketVTV Vanguard ValueVUG Vanguard GrowthVWO Vanguard FTSE Emerging MarketsVYM Vanguard High Dividend YieldXLF SPDR Select Sector Fund - FinancialXLK SPDR Select Sector Fund - TechnologyXLV SPDR Select Sector Fund - Health CareStocksAAPL AppleAMZN AmazonBA BoeingBABA AlibabaFB FacebookGE General ElectricGOOG AlphabetJNJ Johnson & JohnsonJPM JPMorgan ChaseKO Coca-ColaMSFT MicrosoftNFLX NetflixLYFT LyftNKE NikePG Procter & GambleTSLA TeslaUPS United Parcel ServiceV VisaVZ VerizonWMT WalmartXOM Exxon MobilAXP American ExpressBRK.B Berkshire Hathaway (Class B)------- ------- --------LYFT LyftPINS PinterestPD PagerDutyJMIA JumiaZM ZoomUBER UberSPOT SpotifyZION Zions BankcorporationFDEF First Defiance Financial CorpCOG Cabot Oil & Gas CorpDB Deutsche Bank AG

Risk Statement

All investments involve substantial risk of loss. All trading strategies are used at your own risk and you are responsible for the financial resources you utilize. If the market moves against you, you may sustain a total loss of the initial amount you allocated to the investment. You should not engage in trading unless you fully understand the nature of the transactions you are entering into and the extent of your exposure to loss. If you do not fully understand these risks, you should seek independent advice from your financial advisor. Why do I not have access to Stocks and ETFs?

Unfortunately, due to ongoing regulatory uncertainty in the United States (where Abra is based), all users who currently hold BIT10 or an equity asset will no longer be eligible to hold these assets in the Abra app after December 15th, 2019.If you hold anequityasset on November 21st, 2019, these assetswill go into a sell-only mode. Current and new users will no longer be able to invest in equities after November 21st, 2019.You will need to exchange or withdraw your BIT10 or equity asset(s) byDecember 15th, 2019 or they will be converted to bitcoin.Keep in mind these changes may not be permanent and we'll be sure to issue an update when or if these assets become available in-app again.

Abra apologizes for the inconvenience this may cause and if you have any questions please reach out at [email protected]

Equity and index products (stock and ETFs) listed within the Abra app are NOT offered for sale in the United States of America, its territories or possessions, nor to any US person, including citizens of the United States of America, permanent residents of the United States of America (i.e., Green Card Holders) and companies established under the laws of the United States of America. If you hold an equity asset on November 21st, 2019, these assetswill go into a sell-only mode. Current and new users will no longer be able to invest in equities after November 21st, 2019.If you still have questions please reach out at [email protected]

Abra uses a hybrid model, in which some assets are stored on your Abra wallet in a non-custodial model, and some are stored with a trusted custodian.Abra never has access to your funds and due to this, we are unable to view, reset, or alter your recovery phrase. We strongly, strongly urge you to write down your recovery phrase and to store it in a secure location so your funds are not at risk of being lost. Wecan'trecover any user funds, as wedon'thave the ability to view recovery phrases.

Think of a non-custodial wallet as a digital safe deposit box where you are in control of your own money and assets. Again, Abra cannot borrow or touch your assets.

When you first set up an Abra wallet you will be given a recovery phrase, which is your key to the safe deposit box, sodon'tlose it.

For more information regarding security, click here.

Weve added new cryptocurrencies!

Abra has recently released a guide to accompany our launch. However, some of the cryptocurrencies listed in the guide are not yet available in-app (this list will continue to be updated). Currently, Abra now carries over 70 cryptocurrencies.

As of November 12th, 2019, US users can invest in these cryptocurrencies:0x (ZRX), Augur (REP), Basic Attention Token (BAT), Bitcoin (BTC), Bitcoin Cash (BCH), Bitcoin SV (BSV), BlackCoin (BLK), Bytes (GBYTE), Bytom (BTM), Cardano (ADA), Crown (CRW), CureCoin (CURE), Dash (DASH), Decred (DCR), DigiByte (DGB), DigitalNote (XDN), Dogecoin (DOGE), Endor (EDR), Einsteinium (EMC2), Enjin (ENJ), Ether (ETH), Ethereum Classic (ETC), ExclusiveCoin (EXCL), Expanse (EXP), Flo (FLO), Feathercoin (FTC), GameCredits (GAME), GeoCoin (GEO), Groestlcoin (GRS), Golem (GNT), Gulden (NLG), Horizen (ZEN), I/OCoin (IOC), Komodo (KMD), LBRY Credits (LBC), Litecoin (LTC), Lisk (LSK), Loom Network (LOOM), Memetic (MEME), Mercury (MER),Metal (MTL), MonaCoin (MONA), Monero (XMR), MonetaryUnit (MUE), Myriad (XMY), NEM (XEM), NEO (NEO), OKCash (OK), Paxos Standard (PAX), Peercoin (PPC), PinkCoin (PINK), Pivx (PIVX), Radium (RADS), RavenCoin (RVN), ReddCoin (RDD), Ripple (XRP), SaluS (SLS), Siacoin (SC), Sibcoin (SIB), Solve.Care (SOLVE), Spendcoin (SPND), Sphere (SPHR), StableUSD (USDS), Status (SNT), Stealth (XST), Stellar (XLM), Stratis (STRAT), SysCoin (SYS) TRON (TRX), Ubiq (UBQ), UnikoinGold (UKG), Verge (XVG), VeriCoin (VRC), Vertcoin (VTC), ViaCoin (VIA), WavesTRUE (WAVES), Zcash (ZEC), and ZCoin (XZC).

Please note, US users will no longer be eligible to hold certain assets depending on their location, for more information, here's a resource that can help..Coming December 2019, international users will be able to invest in over 150 cryptocurrencies. In the meantime our international users can still invest in these 30 cryptocurrencies:0x (ZRX), Augur (REP), Basic Attention Token (BAT), Bitcoin (BTC), Bitcoin Cash (BCH), Bitcoin Gold (BTG), Cardano (ADA), Dash (DASH), DigiByte (DGB), Dogecoin (DOGE), EOS (EOS), Ether (ETH), Ethereum Classic (ETC), Golem (GNT), Litecoin (LTC), Lisk (LSK), Monero (XMR), NEM (XEM), NEO (NEO), OmiseGO (OMG), QTUM (QTUM), Ripple (XRP), Siacoin (SC), Status (SNT), Stellar (XLM), Stratis (STRAT), TRON (TRX), Verge (XVG), Vertcoin (VTC), and Zcash (ZEC).To learn more about each coin please see the list.

Here is a complete list of all the cryptocurrencies Abra currently supports globally. Depending on your location, your list will vary. For more information, here's a resource that can help. 0x (ZRX)

Augur (REP)

Basic Attention Token (BAT)

Bitcoin (BTC)

Bitcoin Cash (BCH)

Bitcoin Gold (BTG)

Bitcoin SV (BSV)

BlackCoin (BLK)

Bytes (GBYTE)

Bytom (BTM) Cardano (ADA)

Crown (CRW)

CureCoin (CURE)

Dash (DASH)

Decentraland (MANA)

Decred (DCR)

DigiByte (DGB)

DigitalNote (XDN)

Dogecoin (DOGE)

Endor (EDR)

Einsteinium (EMC2)

Enjin (ENJ)

EOS (EOS)

Ethereum (ETH)

Ethereum Classic (ETC)

ExclusiveCoin (EXCL)

Expanse (EXP)

FLO (FLO)

Feathercoin (FTC)

GameCredits (GAME)

GeoCoin (GEO)

Golem (GNT)

Groestlcoin (GRS)

Gulden (NLG)

Horizen (ZEN)

I/OCoin (IOC)

Komodo (KMD)

LBRY Credits (LBC)

Litecoin (LTC)

Lisk (LSK)

Loom Network (LOOM)

Memetic (MEME)

Mercury (MER)

Metal (MTL)

MonaCoin (MONA)

Monero (XMR)

MonetaryUnit (MUE)

Myriad (XMY)

NAVCoin (NAV)

NEM (XEM)

NEO (NEO)

OKCash (OK)

OmiseGO (OMG)

Paxos Standard (PAX)

Peercoin (PPC)

PinkCoin (PINK)

Pivx (PIVX)

QTUM (QTUM)

Radium (RADS)

RavenCoin (RVN)

ReddCoin (RDD)

Ripple (XRP)

SaluS (SLS)

Siacoin (SC)

Sibcoin (SIB)

Solve.Care (SOLVE)

Spendcoin (SPND)

Sphere (SPHR)

StableUSD (USDS)

Status (SNT)

Stealth (XST)

Stellar (XLM)

Stratis (STRAT)

SysCoin (SYS)

TRON (TRX)

Ubiq (UBQ)

UnikoinGold (UKG)

Verge (XVG)

VeriCoin (VRC)

Vertcoin (VTC)

ViaCoin (VIA)

WavesTRUE (WAVES)

Zcash (ZEC)

ZCoin (XZC)

The Abra Wire Program provides users the opportunity to deposit and withdraw with higher limits than what is currently available with ACH. We are working on expanding our wire program but for the time being, it is only open to US users. However, Europeanusers can use Coinify to wire funds into the Abra app.For more information, on how to apply to the wire program, click here.If the app prompts you to reapply (even if you were previously accepted into the Abra Wire), you will need to go through the process in order to use the Wire Program to transact.Your limits are $500-$40k per day with no Abra fee. Please note, you will have to check with your bank to see if they charge any additional fees.Your deposit will take 2-3 business days (excluding weekends and holidays) to reflect in your Abra wallet and a withdraw will take 3-5 business days (excluding weekends and holidays) to reflect in your bank account.

Please keep in mind, depositing via wires will still take place external to the Abra app via your bank (online banking portal or in person). Additionally, withdrawing funds via wires will still be done by withdrawing funds from within the Abra app.

If you had any confirmed transactions in your Abra wallet you will be able to download them in a comma-delimited (CSV) report from your Abra app.

Each CSV file will contain the entire transaction history of that wallet based on the year you've chosen. If you had several wallets, you will need to request that report separately.

Heres how to generate a report.

DISCLAIMER: The report you download does not constitute legal or tax advice. Abra makes no guarantees regarding the accuracy of the report and will not offer advice for your specific tax circumstances as laws and regulations change frequently and vary from country to country. By using the report you disclaim Abra from any responsibility for the accuracy or adequacy of any positions taken by you in your tax reporting obligations. Please consult a professional tax advisor.

This feature is now available! Please be sure to update your Abra app to our latest release.If you had any confirmed transactions in your Abra wallet you will be able to download them in a comma-delimited (CSV) report from your Abra app.

How to export my wallet transaction history

Open your Abra app, to the main screen (now your portfolio view)

Tap:the icon in the upper left corner to go to the menu screen

Tap:'Transaction History'

Tap:the 'Export transaction history' button*

Select: the year you'd like to export

Verify: the email listed is the one you'd like this information sent to. You can also update it if need be.

Confirm:Please read and confirm by checking the circle in the lower left of your section.

Next:The circle will turn green with a check mark inside and the 'email reports' button will turn purple.

Tap:'Email reports'

Tap:'OK'

Generally, your report should arrive in 30mins but since this is still a new process please wait 24hrs before reaching out to Abra support team and be sure to check your spam folder.If you have yet to receive your report after 24hrs please reach out: [email protected]

*If you did not complete a transaction using your current Abra wallet in 2017, 2018, or 2019 you will be unable to generate a report. If you had a different Abra wallet, you will need to use your recovery phrase to obtain your transaction information from that wallet.

DISCLAIMER: The report you download does not constitute legal or tax advice. Abra makes no guarantees regarding the accuracy of the report and will not offer advice for your specific tax circumstances as laws and regulations change frequently and vary from country to country. By using the report you disclaim Abra from any responsibility for the accuracy or adequacy of any positions taken by you in your tax reporting obligations. Please consult a professional tax advisor.

Applying for the Abra Wire Program can be easily done, directly through the Abra app.The Abra Wire Program provides users the opportunity to deposit and withdraw with higher limits than what is currently available with ACH. We are working on expanding our wire program but for the time being, it is only open to US users. However, Europeanusers can use Coinify to wire funds into the Abra app.You must be a US user and have the latest version of the Abra app to see this option.

Open your Abra app, to your portfolio view.

Tap: '+Add Money' (now located at the bottom of your screen).

Tap:'Bank wire transfer'.Prompts

Photo ID: You will be asked to provide a government-issued photo ID.

Please do make sure that:

1. All four corners are visible

2. The photo is clear and good resolution

3. The background is dark, black usually works best

4. No glare that blocks the photo or any of the details

Proof of Address:You will be asked to provide your proof of address.

Please do make sure that:

1. All four corners are visible

2. The document is clear and good resolution

3. If you are using a bank statement from a joint account, your name must be listed first.

Wallet Security:You will be asked to confirm your recovery phrase. Simply write down your recovery phrase and enter in word for word.Note, entering in an extra space at the end of your recovery phrase will cause this step to fail.

withdrawing Once you've entered everything successfully, your application can take up to 30min to approve. If this process takes longer, please reach out at [email protected].

If an item needs to be re-submitted, you will be prompted in-app to resubmit that document.

Please keep in mind, depositing via wires will still take place external to the Abra app via your bank (online banking portal or in person). Additionally, funds via wires will still be done by withdrawing funds from within the Abra app.

The Abra Referral Program is a great way to earn some extra crypto while helping your friends and family get their own Abra wallet!Here's how:

Open your Abra app, go to your portfolioview.

You will now see a "Get yourlink" button at the top of your portfolio view.

Tap: The"Get yourlink" button.

Please note, if you tapped 'Dismiss' you can still access your referral link from your menu.

Tap: Your 'Menu' (the 3 parallellines in the top left corner).

Select: "Invite friends, get bitcoin" from the menu.

Tap: The "Share your unique link" button.

Referral Terms Of Use

You can Copy the link and share.

You can send via text.

You can send via email.

Depending on the options within your phone.

Did you send a referral link? Great, a few things to keep in mind:

The person you've sent the link to will need to click on the unique referral link, sign up for an Abra wallet, and complete the criteria outlined.

The person you've sent the link to would need to complete the criteria in 90 days, in order for you to receive BTC (per this example).

The current promotion expiration date will also reflect in the menu under"Invite friends, get bitcoin".

When they complete the criteria you will receive BTC in your Abra wallet.

Payments can take up to 10 days to complete.

Did you receive a referral link? Great!:

Promotions will begin to populate in your main menu too, so keep an eye out.

In order for you and your friend/family member to receivethe bonus, you must tap the link they've sent you, be a new Abra user, and complete the criteria in 90 days starting from the day you created your wallet.

Things to remember:

Unfortunately, you will not receive the BTC bonus unless the person you've sent it to completes the criteria before the expiration date of that promotion.

Whenever a new referral is available it will reflect in the menu under"Invite friends, get bitcoin".

You will only receivethe bonus if the person you've sent the referral to is a new userwho has met the criteria for that promotion by the expiration date.The total amount you can receive will be listed in the campaign.Restricted wallets are ineligible to participate in the referral program or any promotions offered by Abra.For more information:

Why am I being asked to provide documents?

As a financial institution, Abra is required to obtain information from our users. We do have a verification process similar to other companies, wallets, and/or exchanges. If the additional documentation is not submitted and approved, you will be unable to fund your Abra wallet with a bank account or credit card.All documents submitted via the link provided are held securely on a third party site that only select Abra employees have the ability to view. For more information regarding Abras privacy policy, heres a resource that can help: https://www.abra.com/privacy-policy/.

What documents do I need to provide?An email will be sent asking for proof of identity, and in some cases, this email can land in your spam folder. Please check your spam folder for this email.

Please note, we may request a variety of documents, so it is important to follow the specific instructions on the email you received. We want to know that you are indeed who you say you are. We may also request a selfie for verification.

If you are still unable to find that email please reach out at [email protected].

I was asked to provide additional information. Why?

There are times we may request additional documentation, please upload these documents as soon as you can in order to complete this process as quickly as possible. We have security protocols that mitigate risk and as such as sometimes additional documents are needed.

Please note, that failure to complete the verification process will limit the ways you can fund your Abra wallet.

Do I need to submit documents every time I do a deposit?

No, you only need to submit documents for ACH and AMEX deposits, once (and only if we've requested you to do so). Once youre approved, you will be able to deposit (or withdraw with a linked bank account) repeatedly without having to submit more paperwork.

Whycan'tI deposit funds into my wallet?

Onceyou'vecreated a new wallet, your wallet will go through a review process and sometimes we will need you to provide additional documents before you will be able to fully transact.I submitted documents and havent heard back.

We try to review and give feedback on documents as quickly as possible, but please allow 2-4 business days (excluding weekends and holidays) to hear back from us.

If you submit additional documentation after your original upload, please email [email protected] to let us know so we can quickly review them.

How will I know if my documents were uploaded correctly?

Unfortunately, the third party tool that we use does not provide a clear confirmation of the upload.

When you upload your documents, be sure click upload or your documents will not be saved and we cannot review them.

What picture formats do you accept?

We can accept all traditional photo formats such as .png, .jpeg, and .pdf.

Participating in an Abra promotion is a great way to earn BTC. However,there are a few things to remember if you did not receive the bonus/payout you were expecting to receive.

Restricted Wallets are ineligible for all Abra promotions.

Be sure to check your email for Abra promotions.

Please read each email carefully as the terms to qualify will vary for each promotion.

Promotions you've seen on Facebook may not be shareable within Facebook due to spamming restrictions.

If you are ever unclear of the terms please reach out to us at [email protected]

For clarification regarding our referral program, here's a resource that can help.

As a New York user, if you are holding any asset other than BTC, ETH, LTC and BCH, you will need to exchange or withdraw your holdings by 11:59 PM EST on August 29, 2019. After that date, any remaining balances in those assets will be reverted to bitcoin in the app. Bank deposit, Wire, and AMEX deposit services for New York users will no longer be available after July 30, 2019. Bank withdrawal will continue to be available until August 23, 2019. New York users will still be able to deposit and withdraw via BTC, BCH, LTC, and ETH at any time.For more information see below:

If you are a NY person holding...

You will need to do the following by August 29, 2019

BTC, LTC, ETH, BCH

No action is required.

If you are holding natively supported crypto within the Abra app then you can continue to hold, exchange or withdraw these assets at any time.

ACH banking, Wires and American Express services for New York users will no longer be available after August 29, 2019.

QTUM, OMG, SNT, ZRX, REP, BAT, ADA, DASH, DGB, DOGE,ETC, GNT, LSK, XMR, XEM, NEO, SC, XLM, STRAT, TRX, XVG, VTC, XRP, ZEC, TUSD, USD

You will need to take action.

New York persons will no longer be eligible to hold these assets in the Abra app after August 29, 2019. Your options are as follows:

Exchange from these assets to BTC, LTC, ETH or BCH in the Abra app.

Sell and withdraw your holdings via bank (no fees to withdraw to a bank but Bitcoin network fee may apply) by August 29, 2019.

Move these altcoin positions to an external wallet (bitcoin network fees may apply).

Starting July 30, 2019, you will no longer be able to buy these assets in Abra; they will become sell-only. If you take none of the above steps before 11:59PM EST on August 29, 2019, your funds will still be secure in your wallet. However, Abra will need to convert them to bitcoin at the exchange rate at that time.

After July 30, 2019 deposits from US banks, bank wire transfers and American Express will be unavailable. Bank withdraw will continue to be available until August 23, 2019.

BTG, EOS

You need to take action.

Abra will no longer be able to support these assets in our app after August 29, 2019. In preparation for the migration EOS and BTG can no longer be withdrawn directly from the Abra app to an external wallet.

Exchange your positions from these currencies to BTC, LTC, ETH or BCH in the Abra app and continue to hold.

Orexchange your positions from these currencies to BTC, LTC, ETH or BCH and withdraw to an external BTC, LTC, ETH or BCH wallet.

If you take none of the above steps before 11:59PM EST on August 29, 2019, rest assured, your funds will still be secure in your wallet. However, Abra will need to convert them to Bitcoin.

Due to restrictive regulatory conditions in the United States around our smart contract-based synthetic assets, all US persons will no longer be eligible to hold Bitcoin Gold (BTG), EOS, OmiseGo (OMG), QTUM ( QTUM), and Status (SNT) crypto assets in the Abra app after August 29, 2019.

Depending on the assets held in your wallet, your next steps may vary, for information go here. In addition to the changes above, New York residents will no longer be eligible to hold any synthetic assets on Abra after August 29, 2019. A synthetic asset on Abra is anything other than Bitcoin (BTC), Ether (ETH), Litecoin (LTC) and Bitcoin Cash (BCH). If you are a New York resident, please go here.

US users will no longer be eligible to hold QTUM, BTG, EOS, OMG, SNT after August 29, 2019. Unfortunately, Abra we will no longer be able to support QTUM, BTG, EOS, OMG, SNT crypto assets for US persons. Users will have to exchange or withdraw these assets from Abra by 11:59 PM EST on August 29, 2019. Any remaining balances in those assets will be converted to Bitcoin in the app.The migration period will begin July 30 and end August 29, 2019, during which time bank and AMEX services for US users may be temporarily affected.

In the meantime, US users can still cash in using Visa/Mastercard via Simplex. For more information see below:

If you are a US person holding...

You will need to do the following by August 29, 2019

BTC, LTC, ETH, BCH

No action is required for BTC, LTC, ETH, BCH balances.

If you are holding natively supported crypto within the Abra app then you can continue to hold, exchange or withdraw these assets at any time.

Be advised there may be a temporary disruption of deposits and withdraws from US banks, bank wire transfers and American Express between July 30 and August 29, 2019 as we make the system migration. We will have these services back online as quickly as possible, but please plan accordingly.

New York RESIDENTS, please go here.

QTUM, OMG, SNT, BIT10

You need to take action.

Abra will no longer be able to support these assets in our app after August 29, 2019. Your options are as follows:

Exchange your positions from these currencies to BTC, LTC, ETH or BCH in the Abra app.

Sell and withdraw your holdings via bank (no fees to withdraw to a bank but Bitcoin network fee may apply) by August 29, 2019.

Move these altcoin positions to an external wallet (bitcoin network fees may apply)

If you take none of the above steps before 11:59PM EST on August 29, 2019, rest assured, your funds will still be secure in your wallet. However, Abra will need to convert them to Bitcoin.

BTG, EOS

You need to take action.

Abra will no longer be able to support these assets in our app after August 29, 2019. In preparation for the migration EOS and BTG can no longer be withdrawn directly from the Abra app to an external wallet.

Exchange your positions from these currencies to BTC, LTC, ETH or BCH in the Abra app and continue to hold.

Orexchange your positions from these currencies to BTC, LTC, ETH or BCH and withdraw to an external BTC, LTC, ETH or BCH wallet.

If you take none of the above steps before 11:59PM EST on August 29, 2019, rest assured, your funds will still be secure in your wallet. However, Abra will need to convert them to Bitcoin.

ZRX, REP, BAT, ADA, DASH, DGB, DOGE,ETC, GNT, LSK, XMR, XEM, NEO, SC, XLM, STRAT, TRX, TUSD, XVG, VTC, XRP, ZEC

You need to take action.

If you are holding any of the other 21 altcoins in the Abra app by Aug 1st, you will need to be on the latest version of the Abra app for your altcoin balance will be successfully migrated to a native hosted wallet solution.

You will be able to manage your altcoins as you always have in Abra. Everything will operate the same. It will just now be on a custodial hosted solution. If you are uncomfortable with this you can choose to:

Exchange your positions from these currencies to BTC, LTC, ETH or BCH in the Abra app.

Sell and withdraw your holdings via bank (no fees to withdraw to a bank but Bitcoin network fee may apply) by August 29, 2019.

Move these altcoin positions to an external wallet (bitcoin network fees may apply).

Be advised there may be a temporary suspension of deposits and withdrawals from US banks, bank wire transfers and American Express after August 29, 2019. We will have these rails back online as quickly as possible, but please plan accordingly.

USD or other fiat currencies

You need to take action.

If you have any fiat currencies in the Abra app, sell or exchange it by August 29, 2019. If you do not sell or exchange your fiat balance, it will be automatically reverted to bitcoin.

As Abra grows so does our user base, with this growth comes users from all technical comfort levels.

Although using Abra may be easy and convenient the risk that comes from sending funds to someone you do not know or giving that same entity access to your personal information may not be as well-known. Transactions on the blockchain are irreversible, if you send cryptocurrency to someone there is no way to reverse that transaction. Sending cryptocurrency to someone you do not know is similar to handing cash to a stranger and then walking away.We wanted to share some best practices and suggestions with our users that can assist in using Abra safely.

Avoid Frauds & Scams

From news articles to TV shows were sureyou'veseen reports on numerous scams. Whatisn'ttaken into consideration is just how easy it is to fall for one. Multiple apps are now being utilized to support these scammers. The following tips may help prevent you from being scammed.

Be aware if you see a promotion, ad, deal, act fast scheme, etc. that seems too good to be true, it probably is. There are a number of scammers on social media who will reach out and ask for a certain amount of money for a big return. As cryptocurrency transactions are irreversible, once you send this person these funds, yourdon'thave the ability to dispute the transfer to obtain a refund.

Common scams or schemes will offer to send you a check, money order, wire or in this case crypto and will ask you to send a portion back or out to a client. Anytime you accept money on behalf of someone you do not know, you run the risk of laundering money for a scammer.

Knowing/trusting the person you are sending cryptocurrency to is the key to avoiding being scammed. Cryptocurrency transactions cannot be reversed, and thus a persons losses may include not only out-of-pocket financial losses but also substantial costs to restore credit history and to correct erroneous information in their credit reports.

If you believe you have been scammed, contact your state, local, or federal consumer protection agency. As these types of crimes are becoming common, local law enforcement may be able to provide advice and assistance. Reporting the event in detail (with screenshots, emails, etc.) to the proper authorities is always recommended.

Protect your mobile device

As the Abra wallet is a non-custodial wallet, we never have access to your funds. They are tied to your private keys, which are secured inside your Abra app. Maintaining safe control of your phone/device is the first layer of defense.

Secure your phone with a password. Remember that your phone is part of the security chain and it is what connects you to your crypto wallet. So create some defensible space around your phone and treat it like one part of the key to the vault where you store your cryptocurrency keys.

Along those lines, keep your phone in your possession at all times. Again, your phone is now part of your crypto custody chain, so treat it like a set of keys.

And while we are still on the topic of phones make sure you know where your phone came from. Buying a second-hand phone off the internet or using a jailbroken phone is not advised. You want a phone where you know its full security history and have confidence that you are the only one in complete control of whats going on behind the scenes.

Always mind your hardware ports. One of the biggest risks and simplest ways to breach a phones security is through a hardware port. To ensure safety, consider disabling hardware ports and at least be aware of your external hardware connections.

Avoid sketchy websites. You are probably already aware that some websites can be a backdoor into your devices and a way for bad actors to steal critical identifying information, and arrange social engineering and other kinds of attacks and takeovers.

Mind the WiFi: Before logging into the Abra app, best practice is to use a trusted WiFi, like your home network, or some other option that you have a high degree of trust. Its best to avoid public WiFi networks, like from a busy coffee shop.

Always be suspicious of incoming emails or text messages that ask you to click on a link. These links may install malware and malware can allow hackers to spy or gain access to your device or the personal information stored on this device.

Check your security settings on social network sites. Make sure they block or report suspicious people.

Secure your Abra app

Only download Abra through the Apple App store or from Google Play. Any other website or service that instructs you to download Abra is a fraud and is likely trying to steal your funds or start transacting on your behalf. If you see any suspicious Abra impersonators out there, please let us know at [email protected].

Back up and protect your recovery phrase after creating an Abra wallet. All funds in the wallet are tied to this recovery phrase, so make sure to preserve it securely and confidentially. Abra (nor our employees) will ever ask you for your full 13-word recovery phrase, it is for your eyes only! If you choose to provide this phrase to someone, they will now have access to your funds, it is not a password and it cannot be changed.

Avoid sharing your Abra app PIN code. Access to the main Abra interface, including transactions, requires a PIN code. Maintain this confidentially to restrict access to the Abra app on your device.

The biggest takeaway from all of this is that you should try to keep your potential attack surfaces as minimal as possible.

A big portion of these security threats can be managed by just beginning to think differently about your phone or mobile device. Instead of merely a portal to the internet, think of it like a wallet or safe deposit box.If you have any doubts about an email, phone call or text that has been sent to you, before you reply with personal information or even worse send this entity funds, please reach out to [email protected], we will be happy to look into it for you!

To switch your Abra wallet from one phone to another phone, you will want to apply therecovery phrase from the first device, and enter it into your second device. Click here for instructions for backing up your Abra wallet.

Instructions for recovering your old Abra wallet on your new device:Option 1 'Restore Flow':

Upon downloading the Abra app on a new device.

Tap: 'Restore' (located in the upper right hand corner of your screen)

Tap:'Continue'

Verify: Your phone number (If it is a new number, enter your NEW number).

Tap:'Continue'

At the next screen, type your 13 word backup phrase

Tap: 'Restore Wallet'

Tap:'Ok'

Option 2 'Recovery Flow:

Upon downloading the Abra app on a new device and tapping sign up.

Tap:the main 'Menu' (located in the upper left hand corner of your portfolio view)

Tap:'Wallet Security'

Tap:'Recover a wallet'

Tap: 'Enter phrase now'

At the next screen, type your 13 word backup phrase

Tap:'Confirm'

At this point, you have successfully switched your wallet from one phone to a new device.

You can invest in any of the cryptocurrencies Abra supports by first funding your wallet. Once you've deposited funds, you can exchange it for any of our cryptocurrencies.

Please note, you will only receive exposure to the coin you invest in and not their forks, spoons, or any tokens distributed by holding that coin (e.g. holding Neo will notaccumulate GAS ).

*Users in the Philippines can deposit/withdraw funds via a teller.

As of Nov. 12th, 2019, Abra users in the US can now directly deposit cryptocurrency other than BTC, LTC, BCH and ETH. For a complete list regarding what we've added and what you can now deposit here's the list.This new feature will be available for international users as well but not until December 2019. Until then international users will be unable to directly deposit a cryptocurrency other than bitcoin, litecoin, bitcoin cash, or ether.

If you'd like to deposit Bitcoin, here's how.

If you'd like to deposit Litecoin, here's how.If you'd like to deposit Bitcoin Cash, here's how. If you'd like to deposit Ether, here's how.

Some customers sell their other cryptocurrencies for bitcoin, litecoin, bitcoin cash, ether so they can bring it all under one app with Abra. To do this, these customers will use an exchange or a conversion service such as ShapeShift or Changelly to get bitcoin, litecoin, bitcoin cash, ether into Abra.

For all transactions, Abra utilizes notifications whenever a transaction is pending. You will receive a push notification (notifications must be enabled first) when the transaction has completed. You can also check on your transaction within the 'Transaction History' tab located in your 'Main Menu'. When sending funds from one Abra wallet to another, Abra notifies recipients of their incoming amounts immediately. The funds will be accessible within an hour, and in most cases, within 10 minutes. When sending bitcoin or litecoin, those funds tend to be accessible within 10-30 minutes depending on the network. The standard processing times for deposit and withdrawal transactions are listed below:

For deposits via U.S. bank, 1-2 business days.For withdrawals via U.S. bank, 2-3 business days.For deposits via Philippines banks, 1-2 business days.For withdrawals via Philippines banks, 2-3 business days.For deposits and withdrawals via Abra Tellers, within 1 hour.

*Please note, 'business days' exclude holidays and weekends.

SynapseFI is Abra's banking software provider in the United States. Bank services are provided by Evolve Bank, Member FDIC, through our banking software provider, SynapseFI.

SynapseFI facilitates Abra users' deposits and withdrawals.

For most service inquiries, you can email Abra directly. To report a complaint relating to the bank services, you can email SynapseFI at [email protected] or visit their website at https://synapsefi.com.

Here's how to deposit Bitcoin into your Abra wallet:

Open your Abra app, to the main screen (now your portfolio view).

Tap:'+Add Money'(now located at the bottom of your screen).

Tap: 'Add from crypto wallet'

Tap:'Bitcoin'.

Copy the code shown on the screen and paste it on to your third-party Bitcoin wallet, or scan the QR code usingyour third-party Bitcoin wallet.

Here's how to withdraw Bitcoin from your Abra wallet:

Open your Abra app, to your portfolio view.

Tap: 'Withdraw' (now located at the bottom of your screen).

Tap:'Send To Crypto Wallet'

Tap:Your Bitcoin wallet.

On the third-party Bitcoin wallet that you want to withdraw to, locate the QR code or Bitcoin public address

Tap: theQR code symbol (the top right corner of the screen referenced in the fourth photo) on your Abra app to scan the QR code, or type theremote Bitcoin address towhere you will withdraw funds to

Enter: Bitcoin amount

Tap: 'Confirm Withdrawal' amount

On thethird-party wallet, check whether any further action may be necessary

Please note, bitcoin withdrawals will incur a network fee. This fee is required to ensure your transaction is confirmed by the bitcoin mining network and fluctuates based off of volume on the network. Abra does not profit from it.

Currently, we partner with Union Bank. We are working towards adding additional banking partners in the future.

Open your Abra app, to your portfolio view.

Tap: 'Add Money' (now located at the bottom of your screen).

Tap:'Bank'

Select Account:Unionbank

Follow the instructions on the screen to enroll Abra as a biller with yourbank.

Log into your bank's website and select Bill Pay

Enroll Abra as a biller

Pay Abra the amount you want to deposit, putting your Abra phone number as the reference/subscriber number.Please note, the minimum amount required to is 300PHP.

Our standard processingtime for deposits take 1-2 business days (excluding weekends and holidays). At this time, USD-denominated bank accounts are unavailable in the Philippines.However, at this time, we are working to process deposits faster and in most cases, if we received an over the counter cash/online banking deposit from Monday - Friday 9:00am - 3:00pm PH time (excluding weekends and holidays), they will be credited within the day. Any deposits made after the 3:00 pm cutoff will be credited the next business day.For check deposits, they will be posted the next business day.

Government Identification document plus selfie holding the ID will be requested for deposit amounting 50,000 above. Instruction will be sent to the email address registered in your Abra profile.

*Please note, a bank deposit or withdraw can be canceled at any time, for multiple reasons. Please reach out to the Abra support team: [email protected] if you are having trouble depositing or withdrawing to or from your Abra wallet.

At this time, you are able to deposit over the counter at UnionBank even if you are not a UnionBank account holder. All you have to do is fill out the bills payment form, put in the deposit amount and the phone number you use for Abra (in reference ID).

**Starting March 1st, 2018 Tambunting 1 will be able to top up and deposit funds from select Philippines banks.

Please contact them for more information and how to do so via:

Gmail: [email protected]

Facebook

Twitter

Skype Jpt BDD 9 or Jpt BDD 1

Phone number: Landline: (632) 551-60-32

Cell Phone: 09778091382 or 09175207492

To deposit cash into your Abra wallet using ANY of our supported banks ( see list here ), please do the following:

Open your Abra app, to your portfolio view.

Tap: 'Add Money' (now located at the bottom of your screen).

Tap:'Bank ACH transfer'

Select: the bank account you'd like to use

Enter: the desired amount

Tap: 'Next'

Tap: 'Confirm Deposit'

If you haven'tlinked a bank account to the Abra app, click here.

Transactions will usually take 1-2 business days (excluding weekends and holidays) if no additional documentation is required by our bank integration partner. In select cases, additional documentation may be requested (specific documentation will vary from customer to customer). If you'd like to know more about our limits, click here.

Some users may have to submit additional documents for verification.

*Please note, a bank deposit or withdraw can be canceled at any time, for multiple reasons. Please reach out to the Abra support team: [email protected] if you are having trouble depositing or withdrawing to or from your Abra wallet.

If you'd like to cancel a deposit from your bank toyour Abra wallet, click here.

To withdraw funds from your Abra wallet using ANY of our supported banks ( see list here ), please do the following:

Open your Abra app, to your portfolio view.

Tap: 'Withdraw' (now located at the bottom of your screen).

Tap: 'Transfer To Bank'

Select:the bank you'd like to withdraw funds to.

Tap: the currency wallet of your *choice

Tap: 'Start Transaction' after reading instructions in the app

If you haven'tlinked a bank account to the Abra app, click here.

*Only Abra users with a US or Philippinesbased bank can withdraw fiat currency to a bank. At this time, only bitcoin or litecoin can be withdrawn to a bank account. All othercryptocurrencies must be exchanged to bitcoin or litecoin before it can be withdrawn.

Funds will be posted to your bank account within 2-3 business days (excluding weekends and holidays).If you'd like to know more about Abra's transaction limits, click here.

Some users may have to submit additional documents for verification.

Please note, a bank deposit or withdraw can be canceled at any time, for multiple reasons. Please reach out to the Abra support team: [email protected] if you are having trouble depositing or withdrawing to or from your Abra wallet.

To withdraw from your Abra wallet using an Abra Teller, please do the following:

Open your Abra app, to your portfolio view.

Tap:'Withdraw' (now located at the bottom of your screen).

Tap:'Withdraw Cash'

Choose the wallet you'd like to withdraw funds from (BTC/PHP).

Fill screen info: Amount you want to transact, email, comments.

Set your desired location

Tap: 'Continue'

Verify your details/info

Tap:Submit

*Only availablein the Philippines

*Abra Tellers are only availablein the Philippines

To deposit into your Abra wallet using an Abra Teller, please do the following:

Open your Abra app, to your portfolio view.

Tap: '+Add Money' (now located at the bottom of your screen).

Tap:'Cash'

Choose:Desired Abra Teller based upon your current location, you can also hit the map icon on the top right.

Contact Abra Teller for further instructions (if necessary).

Note: Hit the Redo Search in this Area button to re-populate the map when zooming in/out or moving the field of view when using the map search function.

At this time, we only have Abra tellers in the Philippines (like *Tambunting branches).

*Starting March 1st, 2018 Tambunting 1 will be able to top up and deposit funds from select Philippines banks.

Please contact them for more information and how to do so via:

Gmail: [email protected]

Facebook

Twitter

Skype Jpt BDD 9 or Jpt BDD 1

Phone number: Landline: (632) 551-60-32

Cell Phone: 09778091382 or 09175207492

Your Abra wallet is global and flexible. You can deposit and withdraw from your wallet in many different ways, via banks, tellers, Bitcoin, Litecoin, Bitcoin Cash, and Ether. Please check out the links below for furtherdetails.

Deposit into Abra

Withdraw from Abra

US banks

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show me

Philippines banks

show me

show me

*Tellers

show me

show me

Bitcoin

show me

show me

Litecoin

show me

show me

Bitcoin Cash

show me

show me

Ether

show me

show me

Please note that bank integration is currently available in the US and the Philippines, with more countries to come.Customers in Europe can use Coinify to invest. *Tellers are only available in the PhilippinesWiresYou must first apply and be approved in order to deposit or withdraw via the Abra Wire Program.

To withdraw cash from your Abra wallet using ANY of our supported banks ( see list here ), please do the following:

Open your Abra app, to your portfolio view.

Tap: 'Withdraw' (now located at the bottom of your screen).

Tap:'Transfer To Bank'

Select: 'Your bank'

Tap: your PHP wallet

Tap: 'Start Transaction' after reading instructions in the app

Follow instructions to link your bank account --if needed

Type: Desired amount to withdraw fromyourAbra wallet. Note that a minimum withdrawal amount of Php300 is required for this.

Tap: 'Next' (iPhone) 'Review' (Android)

Tap: 'Confirm Withdrawal'

Your funds will be in your bank account within 2-3 business days (excluding weekends and holidays). Please note, that while Abra does not charge a fee for this transaction, some banks do charge for an incoming transfer. Check with your bank to see if fees apply.

In some cases, additional documentation may be requested (specific documentation will vary from customer to customer).

*Please note, a bank deposit or withdraw can be canceled at any time, for multiple reasons. Please reach out to the Abra support team: [email protected] if you are having trouble depositing or withdrawing to or from your Abra wallet.

While most customers will not need to provide any documentation, in select cases we may be required to ask for additional documentation, which will vary from customer to customer. If additional documentation is required from you, we will let you know via app notification or via email.

*Be advised there may be a temporary disruption of deposits and withdraws from US banks, bank wire transfers and American Express between July 30 and August 29, 2019 as we make the system migration. We will have these services back online as quickly as possible, but please plan accordingly.*To add your US bank account on the Abra app, you will be required tolog into your bank's online platform via the Abra app. To do so, we pass on your online credentials to our bank integration partner, which attempts to log into your bank real-time.

In select cases, there may be errors while attempting to log into your bank account. This may be due to temporary issues -- for instance, your bank platform may be down, the integration between the bank and our integration partner may be down. If you experience such an error, we recommend that you try again in a few hours. If that still doesn't work, please do reach out to us at [email protected], detailing the issue you're experiencing (bank, last screen you can get through in the Abra app while adding your bank account, error messages).

Investing in cryptocurrencies within the Abra app is simple. First fund your wallet via one of the options below:

Open your Abra app, to your portfolio view.

Tap: '+Add Money' (now located at the bottom of your screen).

Listed below are multiple ways to add funds to your wallet.

To fund your Abra wallet via US bank deposit:

Click here

To fund your Abra wallet using a US-based AMEX card:

Click here

To fund your Abra wallet using a credit card or debit card (globally available):

Click here

To fund your Abra wallet via bank deposit in the Philippines:

Click here

To fund your Abra wallet via *Teller deposit:

Click here

To fund your Abra wallet by depositing bitcoin:

Click here

To fund your Abra wallet by depositing litecoin:

Click here

To fund your Abra wallet by depositing bitcoin cash:

Click here

To fund your Abra wallet by depositing ether:

Click here

Once you've added funds to your Abra wallet, exchange those funds for the cryptocurrency of your choice.

Note: Some users may have to submit additional documents for verification.

*Only available in the Philippines

You can deposit and withdraw funds from your Abra wallet viamost of the major banks in the Philippines and the United States.

If you linked a bank account to the Abra app prior to May 9th, 2019 in the U.S., these are the banks Abra users can link to the Abra app to deposit or withdraw.

List of Banks &Credit Unions

Ally Bank

Associated Bank

Bangor Savings Bank

Bank of America

BB&T Bank

Capital One

Capital One 360

Charles Schwab

Chase

Citibank

Citizens Bank

Fidelity

Fifth Third Bank

First Republic Bank

First Tennessee

Frost Bank

Huntington Bank

KeyBank

M&T Bank

Navy Federal Credit Union

Nevada State Bank

PNC

Regions

Santander Bank

Simple

SunTrust

Synchrony Bank

TD Bank

US Bank

USAA

Wells Fargo

After May 9th, 2019: If you are a new U.S. user or have never linked a bank account to the Abra app, you will see our new banking integration PLAID. PLAID has thousands of banks listed, so many in fact, we're unable to list all of them here. If you do not see this integration or would like to please reach out at [email protected].

In the Philippines, these banks are supported for adding funds held in the Abra app:

UnionBank

In the Philippines, these banks are supported for withdrawingfunds held in the Abra app:

Asia United Bank

Bank of Commerce

BDO

BPI

Citibank

DBP

EastWest Bank

Land Bank

Metrobank

Philtrust Bank

PNB

RCBC

Security Bank

UCPB

Union Bank

And most other major banks...

Note: Some users may have to submit additional documents for verification.

*Be advised there may be a temporary disruption of deposits and withdraws from US banks, bank wire transfers and American Express between July 30 and August 29, 2019 as we make the system migration. We will have these services back online as quickly as possible, but please plan accordingly.*You can add money to your Abra Wallet using the following Eligible U.S. American Express Cards: Any valid (1) American Express Consumer Card issued by American Express, (2) American Express Card issued by a licensed third-party licensed to issue American Express-branded Cards and (3) registered American Express general purpose reloadable prepaid cards* including American Express Serve and Bluebird cards.

American Express Corporate Cards, Business Card from American Express OPEN, American Express Gift Cards and other American Express loyalty, award and promotional prepaid cards are not eligible cards.

To add money to your Abra wallet using your Eligible American Express Card, please do the following:

Open your Abra app, to your portfolio view.

Tap: '+Add Money' (now located at the bottom of your screen).

Tap:'American Express'

Tap:'Add American Express Card'

Enter the information from your Card

Follow instructions to link your Card

Type: Desired amount to add to your Abra Wallet from your American Express Card

Tap: 'Next'

Tap: 'Confirm'

Please note that a convenience fee of 4% applies when you add money to your Abra Wallet with your Eligible American Express Card. We will charge this fee based on the total amount of money added in the transaction.

The following limits apply when adding moneyfrom your Eligible American Express Card: $200 daily and $1,000 monthly.Limits are refreshed on a rolling cycle, meaning your limits aren't reset at the beginning of the day, week or month. If you reached your limit at 3PM the day before, it will not be reset until after 3PM the next day. If you've reached your weekly limit on Wednesday at 3PM, it will not be reset until after 3PM the next Wednesday. If you've reached your monthly limit on the 10th of June it will not reset until July 11th in this example (31 day rolling cycle).

(In addition, in some cases, a cash advance fee applies for a credit card load. This fee is charged by your credit card issuer, not Abra, so you should check with your credit card issuer for details.)Currently, non-US American Express cards cannot be used with Abra.*Prepaid cards require a positive balance before the card(s) may be added in-app.Note:All American Express Cards will go through a review process before they can be used to add funds in the Abra app. During this review, your AMEX card will be charged $1, but the $1 will be refunded once the verification process has completed (the refund of the $1 can take up to 7 days). This review can take up to 24 hours to complete (excluding weekends and holidays). Some users may have to submit additional documents for verification.

Here's how to deposit Litecoin into your Abra wallet:

Open your Abra app, to the main screen (now your portfolio view).

Tap:'+Add Money'(now located at the bottom of your screen).

Tap: 'Add from crypto wallet'

Tap:'Litecoin'.

Copy the code shown on the screen and paste it on to your third-party Litecoin wallet, or scan the QR code usingyour third-party Litecoin wallet

Here's how to withdraw Litecoin from your Abra wallet:

Open your Abra app, to your portfolio view.

Tap: 'Withdraw' (now located at the bottom of your screen).

Tap:'Send To Crypto Wallet'

Tap:Your Litecoin wallet.

On the third-party Litecoin wallet that you want to withdraw to, locate the QR code or Litecoin public address

Tap: theQR code symbol (the top right corner of the screen referenced in the fourth photo) on your Abra app to scan the QR code, or type theremote Litecoin address towhere you will withdraw funds to

Enter:Litecoin amount

Tap: 'Confirm Withdrawal' amount

On thethird-party wallet, check whether any further action may be necessary

Please note, Litecoin withdrawals will incur a network fee. This fee is required to ensure your transaction is confirmed by the litecoin mining network and fluctuates based off of volume on the network. Abra does not profit from it.

Youmust be approved previously in order to user the Abra Wire Program to transact.Features Of the Abra Wire Program

Limits: Deposit/withdraw $500~$40,000k per day.

Cost: Abra charges no fee to deposit and withdraw via wire transfer (your bank may charge a fee, be sure to check with your bank for this information).

Exchange rate:Rates shown in-app update in real-time.

Approximate processing time: Depositing: 2-3 business days Withdrawing: 3-5 business days (excluding weekends and holidays).

Eligibility:Approved U.S. residents onlyU.S. bank account holders only

Information to deposit is listed in app here:

Open your Abra app, to your portfolio view.

Tap: '+Add Money' (now located at the bottom of your screen).

Tap:'Bank wire transfer'.

Tap:'Bank wire transfer' listed under 'Select account'.

Instructions will be listed on how to externally wire funds from your bank to your Abra wallet.

how

As wire deposits take place externally of the Abra app, you will need to log-in to your online banking platform and then set up the wire transfer using the below information.Keep in mind, most banks are wire capable, but not Fedwire capable. Abra's new Wire Program will only utilize Fedwire.Recipient name:Transfer method: Domestic wire only (not ACH bank transfer)Recipient type: Business / corporation (not individual)Bank name:*Routing number:*Account number:*Recipient address:**This information will be provided to you via the Abra app after you've been approved.

Want to withdraw via our Wire Program, here's .

In order to withdraw funds from Abra is even easier with our new Abra Wire Program.

Youmust be approved previously in order to user the Abra Wire Program to transact.Features Of the Abra Wire Program

Limits: Deposit/withdraw $500~$40,000k per day.

Cost: Abra charges no fee to deposit and withdraw via wire transfer (your bank may charge a fee, be sure to check with your bank for this information).

Exchange rate:Rates shown in-app update in real-time.

Approximate processing time: Depositing: 2-3 business days Withdrawing: 3-5 business days (excluding weekends and holidays).

Eligibility:Approved U.S. residents onlyU.S. bank account holders only

Information to withdraw is listed in app here:

Open your Abra app, to your portfolio view.

Tap: 'Withdraw (now located at the bottom of your screen).

Tap:'Wire transfer'.

Choose: which asset wallet you'd like to withdraw from (only fiat and natively supported assets will apply).

Enter: the name listed on your account, Wire routing number, Account number, and confirm it once more.

Keep in mind, most banks are wire capable, but not Fedwire capable. Abra's new Wire Program will only utilize Fedwire.Some banks may need the correspondent bank if this is the case please select that option and if not do not select that option.

You should receive the equivalent funds in your bank account after 3-5 business days

Now purchasing BTC and depositing into your Abra wallet is even easier with Simplex. With certain exceptions (and depending on the terms with your card issuer), this service is available across the globe.

Please note, while your purchase is immediate, funding your wallet may not be. Your transaction must confirm on the blockchain before the funds will reflect in your Abra wallet. Additionally, Simplex has the right to cancel a transaction for any reason. If a transaction is canceled your funds will be refunded to the card you used to purchase BTC with.You must have the latest version of the Abra app to see this option.However, you can also fund your wallet using the Abra website.

Open your Abra app, to your portfolio view.

Tap: '+Add Money' (now located at the bottom of your screen).

Tap:'Visa/Mastercard'.

Tap:the 'Copy bitcoin (BTC) address.

Tap:'Buy bitcoin through Simplex'.

Once you tap this button you will be redirected to a landing page external to the Abra app, Tap: 'Continue'.

here.

On the Simplex landing page, paste yourBTC address and enter the amount you'd like to purchase.

The convergence rate will reflect on the landing page before you continue to add any information.

Simplex sets the rate at which USD to BTC is converted, not Abra.

You can purchase $50-$20,000 of BTC.

You must check the 'I'm not a robot' box before clicking 'Continue'.

Enter: Billing information attached to the credit card or debit card you'd like to use to purchase BTC.

Enter:The billing address attached to the credit card or debit card.

Listed:The Amount, Fees, and Total will be listed according to what was selected on the previouspage.

Please read the 'Terms and Conditions'.

Confirm: You've read the 'Terms and Conditions'.

Tap: 'Continue'.

Edit:If you'd like to change the amount, you will have to go back to the previous page in order to edit.

Fees: A flat fee of $10.00 will be applied on top any BTC purchase below $200. Once you purchase $201 and above of BTC a fee of 4% will be applied and deducted from your total amount.You may be charged a foreign exchange and foreign transaction fee (depending on the terms of your card issuer). For additional information regarding fees, you may incur while using Simplex, click here.

Confirm your email: You will be sent an email from 'Simplex Support' to verify your email address.

The link sent may not be active and you may need to copy and paste it in a web browser.

Confirm your phone number: You will be sent a verification code via SMS from Simplex.

Please note, on this page you will see how this transaction will reflect on your credit card or baking statement. It will also show on your confirmation email (This Example: Simplex_Paybis).

Confirmation:Once you've completed both your email and phone number you will see the check marks shown below.

Tap: 'Continue'.

Verification:If you did not receive the verification email or SMS text please reach out to https://www.simplex.com/submit-a-ticket/

Enter:The credit card or debit information you'd like to use to purchase BTC.

Enter:Your personal credit card or debit card not a business card.

NOTE:Using a credit card may incur a 'paying cash advance fee' or another fee by your card issuer.

Do not close your web browser while your payment is being authorized.

If verificationisn'tinstant, youll get an email to finish the process.

If the transactionisn'tcompleted the transaction will be canceled--a cancellation email will be sent from Simplex

Confirmation:Once your payment has processed it can take 30 minutes (but possibly longer) for your BTC to reflect in your Abra wallet.

Tap: 'Return to Abra'

Note:Once the payment is approved, no way to cancel

Simplex may ask for additional information to complete their verification process. Abra cannot assist in this process, waive additional documents needed, nor process a payment done via Simplex. For any additional questions regarding Simplex verification process please reach out at https://www.simplex.com/submit-a-ticket/

If you'd like to check on the status of your purchase, please click

With Abra you have the ability (in most cases) to cancel a bank deposit directly from the Abra app. Here's how:

Open your Abra app, to your portfolio view.

Tap:'Menu' (Located in the upper left-hand corner of your screen).

Tap:'Transaction History'

Select:the most recent deposit (Unfortunately, if the funds have already been credited to your wallet, you will be unable to cancel the deposit).

Tap: 'Request cancellation'

Tap:'Yes, Cancel'

Done!

Please note, in most cases (especially if you've canceled this deposit early enough) your ACH deposit will be canceled.

Here's how to deposit Bitcoin Cash into your Abra wallet:

Open your Abra app, to the main screen (now your portfolio view).

Tap:'+Add Money'(now located at the bottom of your screen).

Tap: 'Add from crypto wallet'

Tap:'Bitcoin Cash'.

Copy the code shown on the screen and paste it on to your third-party Bitcoin Cash wallet, or scan the QR code usingyour third-party Bitcoin Cash wallet.

If you have a Legacy address, click here.

Please note, Abra supports Bitcoin Cash ABC only. Do not send Bitcoin Cash SV to this address.

Here's how to withdraw Bitcoin Cash from your Abra wallet:

Open your Abra app, to your portfolio view.

Tap: 'Withdraw' (now located at the bottom of your screen).

Tap:'Send To Crypto Wallet'

Tap:Your Bitcoin Cash wallet.

On the third-party Bitcoin Cash wallet that you want to withdraw to, locate the QR code or Bitcoin Cash public address

Tap: theQR code symbol (the top right corner of the screen referenced in the fourth photo) on your Abra app to scan the QR code, or type theremote Bitcoin Cash address towhere you will withdraw funds to

Enter: Bitcoin Cash amount

Tap: 'Confirm Withdrawal' amount

On thethird-party wallet, check whether any further action may be necessary

Bitcoin Cash withdrawals will incur a network fee. This fee is required to ensure your transaction is confirmed by the Bitcoin Cash mining network and fluctuates based off of volume on the network. Abra does not profit from it.Please note, when withdrawing BCH from one Abra wallet to another the BCH QR code scanner will work without issue but to an external address, you will need to manually add "bitcoincash:" at the beginning of the address.If you have a Legacy address, click here.

Now funding your Abra wallet is even easier with Coinify.*With certain exceptions, this service is available across the European Union.

Please note, you must have the latest version of the Abra app to see this option (and be located in an area where this feature is available). At this time, you can only use Coinify (SEPA) to deposit funds into your Abra wallet. If you'd like to withdraw funds, you'd have to use BTC, LTC, ETH or BCH.

Open your Abra app, to your portfolio view.

Tap: '+Add Money' (now located at the bottom of your screen).

Tap:'SEPA'.

Verify your information with our partner Coinify: Enter: First and last nameEnter: Address [email protected].

Enter the verification code received from the email address you've entered. Please note, this can take a little bit of time to receive.

Complete your identity registration by uploading your photo ID with our partner Coinify. Once you've uploaded your documents you will receive an email response within 48 business hours/2 business days (excludes weekends and holidays).

Once you've received an email approving the documents you've submitted you can now create your order to buy bitcoin.Enter the amount you'd like to purchase.Review and confirm your order.Tap: Continue.Your order has now been created.

Fees:

You will be charged a fee of 0.25% in order to use Coinify to fund your wallet.

Note,You will always be charged a fee of 0.25%.

You will also be charged a network fee.

These fees will be listed on your 'confirm' screen before you tap 'continue'.

For additional information regarding Coinify, here's a resource that can help. What's next?

Coinify will send you an email with instructions on your next steps.Few things to remember

At this time, you can only use Coinify (SEPA) to deposit funds into your Abra wallet. If you'd like to withdraw funds, you'd have to use BTC, LTC, ETH or BCH.

Once you've uploaded your documents you will receive an email response within 48 business hours/2 business days (excludes weekends and holidays).

Once an order has been placed, you will be required to log in to your personal banking portal to initiate a SEPA transfer.

Your pending order will stay there taking up part of your limit until that order completes. Example, if your limit was $1000 and you created an order for $900 but never initiated your SEPA transfer, that $900 will remain pending. In this example, if you create a second order it could only be for $100 (until your pending order is completed).

Once you've sent your order number andinitiated a SEPA transfer, the process can take 1-2 business days (excludes weekends and holidays).

Coinify will send a Bank Order Completed Confirmation email once your bitcoin has been sent to your Abra wallet.

Once you receive your bitcoin deposit you'll receive a push notification from Abra.*If you're located in the EU and are unable to use Coinify through Abra (based on your location), please reach out at

Here's how to withdraw Ether from your Abra wallet: Open your Abra app, to your portfolio view.Tap: 'Withdraw' (now located at the bottom of your screen).Tap: 'Send To Crypto Wallet'Tap: Your Ethereum wallet.On the third-party Ethereum wallet that you want to withdraw to, locate the QR code or Ethereum public address Tap: the QR code symbol (the top right corner of the screen referenced in the fourth photo) on your Abra app to scan the QR code, or type the remote Ethereum address to where you will withdraw funds toEnter: Ethereum amountTap: 'Confirm Withdrawal' amountOn the third-party wallet, check whether any further action may be necessaryEthereum withdrawals will incur a network fee. This fee is required to ensure your transaction is confirmed by the Ethereum mining network and fluctuates based off of volume on the network. Abra does not profit from it.Please note, Abra does not support withdrawals to a contract address at this time, for more info click here.

Here's how to deposit Ether into your Abra wallet: Open your Abra app, to the main screen (now your portfolio view).Tap: '+Add Money' (now located at the bottom of your screen).Tap: 'Add from crypto wallet'Tap: 'Ethereum.Copy the code shown on the screen and paste it on to your third-party Ether wallet, or scan the QR code using your third-party Ethereum wallet.

Abra does not support withdrawals to a contract address at this time, for more info click here.

You can now fund your wallet using ECPAY.ECPAY is available in multiple locations, here's a full list: http://www.ecpay.com.ph/partner-outlet-finder/ but most 7-Eleven's will have ECPAY available.

Follow these simple instructions to cash in using the CLiQQ app:

1. First download the CLiQQ app via Play Store (Andriod) or App Store (iOS) and register.

2. From the CLiQQ app, choose Pay Bills then click eMoney

3. Look and choose ABRA

4. Enter your phone number linked to your ABRA wallet.

5. Type your name in the Account Name section

3. Enter the amount, note the minimum is PHP500 while the maximum is PHP100K per day. There is a fee of 2% of the total amount.

4. Click confirm, you will then see the 7-Connect Barcode on your cell phone, visit any 7-Eleven locations nationwide. Go to the cashier and show the bar code and pay.

5. Funds will appear in your ABRA wallet within 1-2 days after payment, except for weekends and holidays.

You can now fund your wallet using ECPAY.ECPAY is available in multiple locations, here's a full list: http://www.ecpay.com.ph/partner-outlet-finder/ but most 7-Eleven's will have ECPAY available.

Follow these simple instructions to cash in at any 7-Eleven CLiQQ kiosk:

1. Go to any 7-Eleven locations nationwide. From the CLiQQ kiosk, choose Bills Payment and then search for ABRA.

2. Enter your phone number linked to your ABRA wallet.

3. Type your name in the Account Name section.

4. Enter the amount, note the minimum is PHP500 while the maximum is PHP100K per day. There is a fee of 2% of the total amount.

5. The kiosk will print out a receipt with a bar code. Go to the cashier and show the bar code and pay.

6. Funds will appear in your ABRA wallet within 1-2 days after payment, except for weekends and holidays.

With Abra, you can buy cryptocurrencies with some ofthe most competitive rates in the market. Fees may apply in select transaction types, as below:

What would you like to do?

Fees

Fund my wallet

Add funds via a US or PH bank (ACH)

Free

Add funds via Wires (US only)

Abra Wire Program

Add funds via an EU bank (SEPA)

Coinify

Add funds via US-based AMEX card

4%

Add funds via Visa or MasterCard

Simplex

Add funds via teller (Philippines)

Up to 2%

Tambunting 1 branch fees (both deposit and withdrawal) to 1.25%. Tambunting 2, 3 and 4 will lower their branch fees (both deposit and withdrawal) to 1.5%. Other tellers may charge up to 2%, for additional information please contact the teller directly.

Add funds via BTC, LTC, BCH, or ETH

Free

Abra does not charge a network fee to receive cryptocurrency from a non-Abra wallet or exchange. That non-Abra wallet or exchange may charge a network fee to send to your Abra wallet, please check with the company regarding their fees.

Withdraw from my wallet

Withdraw via US or PH bank

Free

Abra never charges a fee for bank withdrawals.

Some banks in the Philippines may charge a small fee for incoming transfers; there is no fee for UnionBank.

Withdraw via teller (Philippines)

Up to 2%

Tambunting 1 branch fees (both deposit and withdrawal) to 1.25%. Tambunting 2, 3 and 4 will lower their branch fees (both deposit and withdrawal) to 1.5%. Other tellers may charge up to 2%, for additional information please contact the teller directly.

Withdraw BTC, LTC, BCH, or ETH

Network fee

A network fee is required to ensure your transaction is confirmed by the Bitcoin mining network. Actual fees fluctuate based on Bitcoin network volume. A network fee is calculated at the time of a transaction and it will always be shown in the confirmation step before the transaction completes. Abra does not profit from this fee.

Withdraw Altcoins

Network fee*

Exchange between currencies

An exchange between any 2 currencies

Free

Send funds

Send funds to another Abra wallet

Free

Abra does not charge an Abra fee to 'Send funds'to another Abra wallet, you will still be charged a network fee to withdraw funds from your wallet and send to another Abra wallet. A network fee will not be applied when sending fiat from one Abra wallet to another, only when sending cryptocurrency from one wallet to another.This network fee is required to ensure your transaction is confirmed by the network.Abra does not profit from this fee.

Altcoins

US USERS: Altcoins (DGB, XRP, NEO, etc)Anytime a withdrawal is done for an altcoin you will be charged a network fee (The network fee will vary depending on that altcoin's network) plus a Bittrex withdrawal fee. Bittrex charges a withdrawal fee. Due to this, the Bittrex fee is passed to you the user.

INTERNATIONAL USERS:Altcoins (DGB, XRP, NEO, etc) Anytime a withdrawal is done for an altcoin you will be charged a bitcoin network fee plus a Bittrex withdrawal fee. As we do not natively support our altcoins for international users at this time, they are still synthetic within the Abra app. When a withdraw is initiated for an altcoin the underlying currency is still bitcoin, thus you will be charged the bitcoin network fee.In the background, Abra is using Bittrex to exchange BTC for the altcoin you are withdrawing. Bittrex charges a withdrawal fee. Due to this, the Bittrex fee is passed to you the user.

There will be no transaction fees for exchanging between currencies, although Abra will make money on the exchange spread.