Quarterly Update of Fumbi Products – December 2025

Christmas is just around the corner, and therefore Fumbi has prepared several special changes for you that will make your cryptocurrency investing even easier and safer.

In the second half of November, the Investment Committee at Fumbi met to discuss the current situation in the cryptocurrency market, the macroeconomic situation in the world, and the current trends and threats in the cryptoasset space. Based on the long discussion, the Investment Committee reached a consensus and adopted the following measures regarding Fumbi products:

Fumbi Index Portfolio – transition to a simple mode

Our flagship product, the Fumbi Index Portfolio, is undergoing a significant change that will make its operation more efficient and simpler, while the Fumbi Index Portfolio becomes a fully autonomous portfolio without the intervention of the Investment Committee.

The essence of this change lies in the following points:

• The selection of assets for the Fumbi Index Portfolio will no longer depend on the decision of the Investment Committee – it will depend solely on the market mechanism.
• It will be more predictable in behaviour and asset composition.
• It will have fixed criteria based on which assets will be included or excluded from the portfolio.
• It will have a fixed number of assets = 25.
• The composition is determined on the basis of publicly known criteria – so it is easily predictable and known in advance.
• All clients have the same portfolio – without personalization.
• Rebalancing takes place on a daily basis between 9:00 and 16:00.
  

The selection of assets for the Fumbi Index Portfolio took place on December 8, 2025, while the next selections will take place on the first day of the month in March, June, September and December, always at 12:00. This selection will always be carried out for the following three months on the basis of a so-called snapshot of the tool that monitors the fulfilment of criteria for individual assets. The update will then be completed within seven working days after the snapshot.

• Example: If the update is in March, the snapshot will be taken on 1.3.2026 at 12:00.
• Within seven days from the snapshot, the portfolio will be updated, and cryptoassets that will be part of the Fumbi Index Portfolio based on the defined status and removed RC – Restricted Category criteria will be included.
  

Criteria for Selecting Assets for the Fumbi Index Portfolio

The Fumbi Index Portfolio now has firmly established criteria on the basis of which assets are either included in or excluded from the portfolio. These criteria relate to the following areas –

• Criterion 1: The asset is not a stablecoin
  • Stablecoins are cryptocurrencies pegged to the value of the US dollar, euro, or another fiat currency from the traditional financial world. Their price usually does not change and is fixed to a fiat currency; therefore, they have no growth potential, and their participation in the Fumbi Index Portfolio is irrelevant.
• Criterion 2: The asset does not belong among anonymous cryptocurrencies
  • Anonymous cryptocurrencies use technologies that hide the identity of the sender, the receiver, and the transaction amount. Although these are advanced privacy technologies, such cryptocurrencies often face regulatory restrictions, and their use is sometimes associated with illegal activities. Due to increased regulatory risks, they are not part of the portfolio.
• Criterion 3: The asset meets the minimum liquidity criterion
  • The asset must have a minimum average daily trading volume over the last 180 days of more than 50 million EUR per day.
• Criterion 4: The asset meets the tradability criterion
  • Only cryptocurrencies that are demonstrably listed on at least three of the leading cryptocurrency exchanges may be included in the Fumbi Index Portfolio. These exchanges include, for example, Binance, Kraken, Coinbase, OKX, Bybit, or Bitstamp.
• Criterion 5: Maximum price range criterion
  • This criterion sets the maximum price range (between the lowest and highest value of the asset over the monitored period – 180 days) at less than 90%. The goal is to ensure that selected cryptoassets or strategies do not exceed extreme losses and high fluctuations that could affect the portfolio.
• Criterion 6: Trading period criterion
  • A cryptocurrency or token must have been traded for more than 180 days. This criterion ensures that the cryptocurrency or asset has a sufficiently long trading history, allowing reliable data analysis. This minimizes the risk of investing in new or insufficiently liquid coins that do not have proven market stability.
• Criterion 7: Custody criterion
  • The asset must be safely storable on the Fireblocks custody platform or another custody platform with which Fumbi has a signed asset custody agreement.
    

What does this mean for me if I own the Fumbi Index Portfolio?

The changes in the Fumbi Index Portfolio bring mainly greater predictability, transparency, and easier decision-making. In practice, this means the following for you:

🔍 Clear and firmly set rules

The composition of the portfolio is no longer the result of the decision of the Investment Committee. All cryptocurrencies in the portfolio pass through the same, predefined filter. So you know exactly how assets are selected and why some do not make it into the portfolio.

⚙️ No hidden interventions or “additional” changes

The portfolio is not adjusted individually nor based on committee decisions. Rebalancing and asset selection take place through an automated, publicly known algorithm, equally for all clients.

🧘 Easier investing

The Fumbi Index Portfolio is becoming a fully market-driven index designed to handle the complex decision-making process of which cryptocurrencies make sense – and it does so in a standardized and regular way, every three months.

📈 More stable and trustworthy portfolio

Thanks to clear criteria (liquidity, tradability, price stability, trading history…), only projects that have passed quality checks make it into the portfolio. This reduces the risk of extremely illiquid or unverified assets.

🧾 Full transparency

The rules, update dates, and list of removed categories are public. So you always know exactly what you are buying and under what conditions.

Fumbi Custom & Advanced Portfolios – new assets

We are adding several new assets to the Fumbi Custom & Advanced Portfolios products, which will further expand the range of available cryptoassets within Fumbi.

The new cryptoassets include:

• Bitcoin Cash (BCH)
• Falcon Finance (FF)
• Aster (ASTER)
• MemeCore (M)
• Starknet (STRK)
• Plasma (XPL)
• Meteora (MET)
• Morpho (MORPHO)
• ZkSync (ZK)
• Linea (LINEA)
  

Advanced Portfolios – adjustment of investment templates

Advanced Portfolios are undergoing an adjustment to reflect market behaviour even more accurately and to better correspond to the investment strategies chosen by our clients. The main idea is to create templates that are clear, as up-to-date as possible, and fully transparent. The following templates have been updated:

Layer One Portfolio – new composition

DeFi Portfolio – new composition

Adventurous Portfolio – new composition

AI Portfolio – new composition

Meme Coins Portfolio – new composition

Layer Two Portfolio – new composition

RWA Portfolio – new composition

Gaming Portfolio – new composition

Changes apply only to new portfolios that you create from now on. Portfolios in which you already have investments remain unchanged.

What do these changes mean for you?

We will take care of all the changes – the updates in your portfolio will be carried out automatically, without you having to do anything. Thanks to regular updates, you have access to a portfolio composed of cryptocurrencies that have sufficient liquidity, technological quality, and future potential.

This way, your portfolio remains continuously aligned with market developments, while less attractive projects are gradually removed and replaced by those with greater potential. You can fully focus on your investment strategy while we take care of selecting the specific cryptocurrencies.

However, if you want to invest in one of the newly available cryptocurrencies, for example in the Fumbi Custom product, you can do so within a few seconds.

Investing in cryptocurrencies with Fumbi is now easier than ever.