Short, plain-English explainers on how the money actually works — how a fund's yield is calculated, what really backs a stablecoin, where a card's FX fee hides. No jargon, no hype.
A yield number is a calculation, not a fact. Here is exactly how the APR on our Earn page is derived from a fund's published NAV — and the four ways that number can quietly mislead you.
4 min readRead → EarnA fixed deposit and a money-market fund can quote similar rates and still be very different products. The real differences are lock-in, who guarantees the money, and whether the rate can move under you.
4 min readRead → Basics"Backed 1:1" is a marketing sentence, not a structure. Here are the three ways stablecoins actually hold a peg, why an attestation is not an audit, and the questions that separate them.
4 min readRead → SaveA card can charge no FX fee and still be the expensive option. The cost moves into the exchange rate, the top-up, the staking requirement or the annual fee — here is where to look.
4 min readRead → InvestYou can check whether a fund does what its name says, using only its published NAV and public market data. The method is simple — and one detail, the timestamp, is where most amateur analyses go wrong.
4 min readRead → InvestA live calculation, not a hypothetical. Buy a fixed ringgit amount every business day at the 5pm price, and this works out your average cost and your unrealised gain or loss as of the latest business day.
4 min readRead →Findings from Halogen Capital's own research deck, one card each. Tap Copy to take any of them with you — each card carries its source and its caveat.
Every figure in the cards above is Halogen Capital's, reproduced from its introduction deck with the slide named on each card; Aurum has not recalculated them. Several are backtests rather than a fund's track record — a backtest picks its start date with hindsight, usually excludes fees, and cannot be invested in. Digital assets are volatile and can lose value. None of this is financial advice or a recommendation.
These explainers are general educational information about how financial products work — not financial advice, and not a recommendation of any fund, card, coin or platform. Figures and rules change; always verify against the provider's own documents before acting on anything you read here.
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