Bakkt Results Presentation Deck

Our industry leading platform resonates strongly with market participants End-to end crypto capabilities, from onramps to advanced trading and secure custody Loyalty redemption platform provides clients with flexible, comprehensive solutions CRYPTO CUSTODY Ⓒ CRYPTO TRADING ● • Secure custody of assets, founded in traditional finance and built to comply with evolving regulatory standards • Conducted through a limited- purpose trust company chartered by NYDFS • Reliable infrastructure with multi- layered security for streamlined management ● A Disaster recovery services will provide encrypted backup package storage to help ensure customer funds are safe and recoverable * In approved jurisdictions ● ● Curated, secure, and regulated trading API and UI options to activate trading capabilities Deep liquidity provides price quality and 100% uptime • Seamless integration & customer experience enables clients to integrate in ~45 days, instant funds settlement and failover protection ● Capabilities include coin transfer*, advanced order management system and multiple fee structures • Fiat onramps via ACH and wire transfer • Innovative ways for consumers to access crypto, including rewards from redemptions and earning ● LOYALTY REDEMPTION Full spectrum of content for loyalty redemption including Apple products & other merchandise, travel & experiences and gift cards • Flexible turnkey solutions built to drive loyalty and engagement Institutional-grade, risk, security and compliance-focused technology platform built to embed into client experiences 5

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