> For the complete documentation index, see [llms.txt](https://docs.hilomarket.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.hilomarket.com/help/readme/faqs.md). # FAQs ### Is Hilo gambling? No. Hilo is not gambling. You do not bet or risk money, and you never need to stake or lock tokens to take part. Hilo shows community probabilities, not betting odds. There are no wagering mechanics, no house, and no financial loss tied to outcomes. Hilo is designed to be a non-gambling prediction and insight platform. *** ### Can I lose money on Hilo? No. You do not deposit funds to participate. You do not bet. You do not lose money from predictions. Using Hilo never requires staking or locking tokens. Locking HILO is optional and only used by opt-in features such as [Hilo Oracle](https://docs.hilomarket.com/) and Reward Boost. If an Oracle contribution turns out to be wrong, you do not lose the locked HILO; it can stay locked for longer according to the Oracle's unlock rules. Any applicable fees are shown in the app before you confirm. You may choose to subscribe, and you may or may not find personal value in that subscription, but this is not considered losing money on predictions. *** ### Is Hilo legal? Hilo is designed not to be a gambling or betting product. There is no wagering, no required staking, and no financial loss tied to outcomes, so Hilo is built to sit outside gambling rules. Laws differ between countries and can change over time. You are always responsible for following your local internet usage laws, platform usage rules, and payment regulations in your region. *** ### Do I need to deposit money to use Hilo? No. You can use Hilo without depositing any money. *** ### Do I need to stake tokens? No. Using Hilo never requires staking or locking tokens. Locking HILO is optional and only used by opt-in features such as Hilo Oracle and Reward Boost. There is no wagering and no betting. *** ### Can I bet on outcomes? No. Hilo is not a betting platform. *** ### What is the purpose of Hilo? Hilo exists to make prediction systems healthier, fairer, and safer. Traditional prediction markets often rely on gambling mechanics that can harm users. Hilo removes those mechanics and focuses on long-term accuracy, reputation, and collective intelligence. *** ### How does Hilo make money? Hilo generates revenue through optional subscriptions and future value-added services. It does not profit from users losing money. *** ### Who owns my data? You do. Your data primarily consists of your votes and opinions. *** ### Are my votes public? Yes, by default. Votes and opinions are public because they contribute to collective intelligence. You can hide your identity in settings so others cannot see what you personally voted, but your vote will still count toward market data. *** ### Can I hide my voting history? Yes. You can hide your identity from the public while still contributing to the system. *** ### Does Hilo sell my personal data? No. *** ### How is Hilo decentralized? Hilo does not custody your credentials, passwords, or private keys. You control your login access through your email, third-party providers like Google or X, or your crypto wallet. We cannot access your credentials. *** ### Does Hilo store my passwords? No. We do not store passwords, private keys, or recovery phrases. *** ### What happens if my account is hacked? Because Hilo does not custody your credentials, security is your responsibility. If your login provider is compromised, your Hilo account is compromised. You must contact your login provider first. *** ### How do I log in? You can log in using: * Email (one-time code) * Google * X (Twitter) * A crypto wallet *** ### Can I change my login method? This depends on your authentication provider. *** ### What is HIQ? HIQ is your personal performance and reputation score. It reflects your accuracy, consistency, and long-term behavior. *** ### What is MIS? MIS is your system weight. It determines how much your signals influence aggregated market data. It filters out spam, bots, and low-quality signals. *** ### Does HIQ affect system weight? No. MIS affects system weight. HIQ affects reputation, rankings, and rewards. *** ### How do rewards work? Rewards are distributed every minute to eligible users. *** ### Are rewards guaranteed? No. You must meet eligibility requirements. *** ### What affects my rewards? Your HIQ determines your share of the regular reward pool. You can also increase your rewards with Reward Boost. Hilo Oracle contributors earn separate [Oracle Rewards](https://docs.hilomarket.com/oracle-rewards) based on their Oracle Points. *** ### Does MIS affect rewards? No. MIS is not used to calculate rewards. *** ### Why didn’t I earn rewards? Common reasons: * You were not eligible * You were inactive * You did not vote in the last 24 hours * You violated rules * You were temporarily restricted *** ### How do I stay eligible? * Stay active * Vote at least once every 24 hours * Follow platform rules * Maintain required scores *** ### What are Event Markets? Markets with a clear ending and resolution. *** ### What are Opinion Markets? Markets that do not close and continuously reflect collective sentiment. *** ### What are Multiwinner Markets? Markets where each option has its own Yes/No percentage and is resolved separately, so more than one option can win. *** ### Can I create markets? Yes. Every tier can create markets, within a daily limit: * **Free:** 1 market per day * **Premium:** 5 markets per day * **Premium Plus:** unlimited (fair-use rate limits apply) These limits are shared between the app and the [API](https://docs.hilomarket.com/api-developers). Your account also needs to meet some minimum requirements, such as account age, level, MIS and HIQ. *** ### How do I create a market? Click the + button on your profile or homepage and follow the steps. *** ### Can my market be deleted? Yes. Low-quality, misleading, or abusive markets may be removed. *** ### Can I change my vote? You have a short cancellation window. After that, your vote is final. *** ### Can I vote multiple times? Some markets allow multi-voting. Some do not. Each market shows its rules. *** ### Is Hilo pay-to-win? No. You cannot buy accuracy, reputation, HIQ or MIS. Subscriptions unlock capacity, not influence. In normal voting, the weight of your vote comes from your MIS. The only way to add extra weight is the optional [Hilo Oracle](https://docs.hilomarket.com/), where you lock HILO and each locked HILO adds one vote toward the outcome you choose. Oracle contributions are public, and a wrong contribution keeps your HILO locked for longer, so pushing a market the wrong way has a cost. *** ## How Markets Resolve ### Who resolves markets? Market creators are responsible for resolving the markets they create. They must: * Monitor the outcome * Provide the correct resolution * Resolve the market on time * Follow the resolution rules The community validates resolutions, as explained below. *** ### How does Hilo Oracle fit in? [Hilo Oracle](https://docs.hilomarket.com/) is an optional layer on top of creator resolution and community validation. Oracle users lock HILO to add weight toward the outcome they believe is correct. For example, once a match has finished, they can push the market toward 100% for the real result instead of waiting for manual resolution. This makes the correct outcome visible sooner and helps markets resolve faster. Creators are still responsible for resolving their markets, and reporting, appeals and validation still apply. *** ### What happens if the creator doesn’t resolve the market? If a market is not resolved by the expected time: * Other users can report it * The community can step in * Eligible users can help resolve and validate the outcome * Users who help correctly resolve may earn rewards This prevents abandoned or stuck markets. *** ### What if a market is resolved incorrectly? If a resolution is wrong: * Other users can report it * The resolution can be appealed * The market enters a validation process * It will continue until the correct outcome is confirmed Incorrect resolutions do not finalize permanently without validation. *** ### How does validation work? Validation ensures that: * Outcomes are correct * Data is accurate * Abuse is prevented * Manipulation is reduced Markets only finalize once they are properly validated. *** ### Why this system exists This system exists to: * Prevent creator abuse * Prevent fake outcomes * Keep data accurate * Protect users * Keep the platform trustworthy Creators have responsibility — but not unchecked power. *** ### Can creators be penalized? Yes. Creators who repeatedly: * Fail to resolve markets * Resolve incorrectly * Abuse the system * Create misleading markets May face penalties, restrictions, or removal of privileges. *** ### Core Principles * No single user controls truth * Markets must be verifiable * Resolutions must be correct * The system is self-correcting * Accuracy always wins ### What are subscriptions? Optional plans that unlock higher usage limits and advanced features. *** ### Are subscriptions refundable? No, once started, unless you upgrade to a higher tier. *** ### What can I pay with? * HILO token (discounted) * USDT * Bank payment (card or transfer, where available) Available payment methods may vary by region and product. The options shown at checkout in the app are the current ones. *** ### Does paying more give me more influence? No. A subscription does not change your voting weight. In normal voting, influence is determined by MIS, not payment. The only way to add weight is the optional Hilo Oracle, where you lock HILO (one vote per locked HILO). That HILO is locked, not spent. *** ### Does paying more improve my accuracy? No. *** ### Can I withdraw money? Hilo is not a financial trading or betting platform. *** ### Is Hilo an investment platform? No. *** ### Is Hilo a financial product? No. *** ### Is Hilo fully decentralized? No. Hilo is a **hybrid platform** that combines Web3 and Web2 features. Like most real-world platforms, Hilo is not 100% decentralized — and this is intentional. *** ### Why isn’t Hilo fully decentralized? Pure decentralization often comes with trade-offs: * Poor user experience * Hard onboarding * Low accessibility * Limited scalability * Weak moderation * Abuse vulnerabilities Hilo is designed to be fair, healthy, and scalable.\ To achieve this, some structure and moderation are necessary. *** ### How is Hilo decentralized? Hilo is decentralized where it matters most: * Community-driven moderation * Community-created markets * Community-based validation * Community reporting and appeals * Transparent market data * Public outcomes * Open data access Truth is not controlled by a single party. *** ### Who controls moderation? Moderation is **community-guided**, not solely controlled by the Hilo team. Users can: * Report markets * Challenge resolutions * Validate outcomes * Flag abuse * Participate in governance-like flows This creates a self-correcting system. *** ### Is Hilo data transparent? Yes. All market data, outcomes, and system behavior are transparent on the platform. In the future: * Data will be reflected on-chain * APIs will be open and accessible * Some advanced data access may require payment *** ### Why is Hilo hybrid? The hybrid model allows: * Easy onboarding * Non-crypto users to participate * Mobile app distribution * App store access * Mass adoption * Better performance * Better UX This is critical for growth and real-world impact. *** ### Does this make Hilo less decentralized? No. It makes Hilo **more usable**. Decentralization is meaningless if only a few technical users can access it. Hilo is designed to maximize: * Fairness * Transparency * Accessibility * Community control Not ideology. *** ### Is this approach permanent? Yes. Hilo is designed to evolve, but its core philosophy remains:\ Hybrid architecture for scale, community control for fairness, transparency for trust. ### Can I contact support? Yes. If anything feels unclear or wrong, you can contact support by creating a ticket on hilo.app in Settings.