Bakkt Results Presentation Deck

End-to-end crypto capabilities. From onramps to advanced trading and secure custody • Secure custody of assets, founded in traditional finance and built to 回 CRYPTO CUSTODY ● Regulated by NYDFS as a limited- purpose trust company • Reliable infrastructure with multi- layered security for streamlined management uphold shifting regulatory standards A • Disaster Recovery Services provide encrypted backup package storage to help ensure customer funds are safe and recoverable ● * Subject to regulatory approval CRYPTO TRADING Curated, secure, and regulated trading API and UI options to activate trading responsibly ● Deep liquidity provides unparalleled liquidity and price quality and 100% uptime • Seamless integration & customer experience enables clients to integrate ~45 days, instant funds settlement and failover protection Capabilities include coin transfer, advanced order management system and multiple fee structures • Fiat onramps via ACH, debit card, and wire transfer • Innovative ways for consumers to access crypto including rewards from redemptions and earning or by getting paid in crypto LOYALTY REDEMPTION • Full spectrum of content for loyalty redemption including Apple products & other merchandise, travel & experiences and gift cards Flexible turnkey solutions efficiently built to drive loyalty and engagement Institutional-grade, risk, security and compliance-focused technology platform built to embed into client and partner experiences 5

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