Tuesday, March 11, 2025

How much I have in Chocolate Finance?

There is some nonsense going on with Chocolate Finance in the last few days.  

https://www.channelnewsasia.com/singapore/chocolate-finance-withdrawal-walter-de-oude-axs-miles-4990846

As such, Chocolate stopped its instant withdrawals. 

Withdrawals will now take a few days, which is the industry norm. This is because the money you put inside Chocolate are invested with Bond funds. So when you liquidate, the Bond fund will take a few days to process and return you the money. 

So how did Chocolate provide instant withdrawals previously? It seems they kept a pool of money in order to facilitate this. However, when too many people want to withdraw, the pool ran out. The amount they keep in the pool is key. 

Below are the funds that are still in my Chocolate account, I have not touched it. 





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