Exhibit 2.3 Execution Version PUBCO CLASS A
WARRANT AGREEMENT THIS PUBCO CLASS A WARRANT AGREEMENT (this Agreement), dated as of October 12, 2023, is entered
into by and between MoneyHero Limited, an exempted company duly incorporated and existing under the laws of the Cayman Islands (the Company), and Continental Stock Transfer & Trust Company, a New York corporation (the
Warrant Agent). WHEREAS, the Company has filed with the Securities and Exchange Commission a Registration Statement on Form F-4, No: 333-274454, for the registration under the Securities Act of 1933, as amended, of, among other securities, the Class A ordinary shares of the Company, par value
US$0.0001 per share (the Class A Ordinary Shares) issuable upon exercise of the Warrants (as defined below); WHEREAS,
the Company desires the Warrant Agent to act on behalf of the Company, and the Warrant Agent is willing to so act, in connection with the issuance, registration, transfer, exchange and exercise of the Warrants; WHEREAS, the Company desires to provide for the form and provisions of the Warrants, the terms upon which they shall be issued and exercised,
and the respective rights, limitation of rights, and immunities of the Company and the holders of the Warrants in accordance with the warrant instrument attached hereto as Exhibit A (the Warrant Instrument), the provisions of
which are incorporated herein; and WHEREAS, all acts and things have been done and performed which are necessary to make the Warrants,
when executed by the Company as provided herein, the valid, binding and legal obligations of the Company, and to authorize the execution and delivery of this Agreement. NOW, THEREFORE, in consideration of the mutual agreements herein contained, the parties hereto agree as follows: 1. Appointment of Warrant Agent. The Company hereby appoints the Warrant Agent to act as agent and authorized representative of the Company for the
Warrants, and the Warrant Agent hereby accepts such appointment and agrees to perform the same in accordance with the terms and conditions set forth in this Agreement. 2. Warrants. 2.1 Form of
Warrant. Each Warrant shall be (a) issued in registered form only, (b) in substantially the form of Schedule 1 to the Warrant Instrument, and (c) signed by, or bear the facsimile signature of, an authorized signatory of the
Company. In the event the person whose facsimile signature has been placed upon any Warrant shall have ceased to serve in the capacity in which such person signed the Warrant before such Warrant is issued, it may be issued with the same effect as if
he or she had not ceased to be such at the date of issuance. 2.2 Warrant Issuance. The Warrant Agent is hereby authorized to
deliver, in accordance with the terms of this Agreement, the Warrants required to be issued pursuant to clause 2.1 of the Warrant Instrument, and the Company shall supply the Warrant Agent with Warrants duly executed on behalf of the Company for
such purpose.




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2.3 Registration. 2.3.1 Warrant Register. The Warrant Agent shall maintain books (the Warrant Register) for the registration of the original
issuance and transfers of the Warrants. Upon the initial issuance of the Warrants, the Warrant Agent shall register the Warrants in the names of the respective holders thereof in such denominations and otherwise in accordance with instructions
delivered to the Warrant Agent by the Company. 2.3.2 Registered Holder. Prior to due presentment for registration of transfer of
any Warrant, the Company and the Warrant Agent may deem and treat the person in whose name such Warrant shall be registered upon the Warrant Register (the registered holder), as the absolute owner of such Warrant and of each Warrant
represented thereby (notwithstanding any notation of ownership or other writing on the warrant certificate made by anyone other than the Company or the Warrant Agent), for the purpose of any exercise thereof, and for all other purposes, and neither
the Company nor the Warrant Agent shall be affected by any notice to the contrary. 3. Terms and Exercise of Warrants. 3.1 Exercise Price. Each Warrant shall entitle the registered holder thereof, subject to the provisions of such Warrant and of this
Agreement, to purchase from the Company 0.307212 Class A Ordinary Shares, subject to the adjustments provided in clause 7 of the Warrant Instrument, at the Exercise Price specified therein. The term Exercise Price as used in this
Agreement refers to the exercise price per Warrant at which 0.307212 Class A Ordinary Shares, subject to the adjustments provided in clause 7 of the Warrant Instrument, may be purchased at the time a Warrant is exercised. 3.2 Duration of Warrants. A Warrant may be exercised only during the period (Exercise Period) commencing on the issuance
date of such Warrant and ending on October 14, 2027 (both dates inclusive) (the Expiration Date). Each Warrant not exercised on or before the Expiration Date shall become void, and all rights thereunder and all rights in respect
thereof under this Agreement shall cease at the end of the Expiration Date. 3.3 Exercise of Warrants. The Warrants shall be
exercised in accordance with clauses 2, 4, 5, 6 and 9 of the Warrant Instrument. The Warrant Agent is hereby authorized to perform the Companys obligations under clauses 6 and 9 of the Warrant Instrument. 4. Adjustments. The Exercise Ratio (as defined in the Warrant Instrument), the Exercise Price and any fractional Class A Ordinary Shares issuable
upon exercise of the Warrants shall be adjusted in accordance with clause 7 of the Warrant Instrument. Upon occurrence of any adjustment to the Exercise Rights (as defined in the Warrant Instrument) made pursuant to clauses 7.1 to 7.4 of the Warrant
Instrument, the Company shall promptly notify the Warrant Agent of such adjustment in writing, following which, the Warrant Agent shall send the registered holders notice of such adjustment together with a replacement warrant certificate in
accordance with clause 7.5 of the Warrant Instrument.  2




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5. Transfer, Exchange and Replacement of Warrants. 5.1 Registration of Transfer. Subject to clause 2 of Schedule 2 to the Warrant Instrument, the Warrant Agent shall register the
transfer, from time to time, of any outstanding Warrant in the Warrant Register, upon surrender of such Warrant for transfer, accompanied by duly stamped instrument of transfer and such other evidence as the board of directors of the Company may
reasonably require to show the right of the transferor to make the transfer. Upon any such transfer, a new Warrant representing an equal aggregate number of Warrants shall be issued and the old Warrant shall be cancelled by the Warrant Agent. The
Warrants so cancelled may be delivered by the Warrant Agent to the Company from time to time upon request. 5.2 Procedure for Surrender
of Warrants. Warrants may be surrendered to the Warrant Agent, together with a written request for exchange or transfer, and thereupon the Warrant Agent shall issue in exchange therefor one or more new Warrants as requested by the registered
holder of the Warrants so surrendered, representing an equal aggregate number of Warrants; provided, however, that in the event that the transfer of the Warrant so surrendered is subject to the Companys prior written consent pursuant to clause
2 of Schedule 2 to the Warrant Instrument, the Warrant Agent shall not cancel such Warrant and issue new Warrants in exchange therefor until the Warrant Agent has received a copy of the Companys written consent with respect to such transfer. 5.3 Replacement of Warrants. If a Warrant is mutilated, defaced, lost, stolen or destroyed, it will be replaced in accordance with
clause 12 of the Warrant Instrument. Mutilated or defaced Warrant in respect of which replacement is being sought must be surrendered to the Warrant Agent before replacement will be issued. 5.4 Fractional Warrants. No fractions of a Class A Ordinary Share shall be issued on the exercise of a Warrant. If, by reason of
any provisions in the Warrant Instrument, any registered holder would otherwise be entitled, upon the exercise of its Exercise Rights (as defined in the Warrant Instrument), to receive a fractional interest in a Class A Ordinary Share (after
aggregating all fractional Class A Ordinary Shares that otherwise would be received by such registered holder), the Warrant Agent shall, upon such exercise, round down the number of Class A Ordinary Shares to be issued to such
warrantholder to the nearest whole number. 5.5 Service Charges. No service charge shall be made for any exchange or registration
of transfer of Warrants. 5.6 Warrant Execution. The Warrant Agent is hereby authorized to deliver, in accordance with the terms of
this Agreement, the Warrants required to be issued pursuant to the provisions of Section 4 and this Section 5, and the Company, whenever required by the Warrant Agent, will supply the Warrant Agent with Warrants duly executed on behalf of
the Company for such purposes. 6. Concerning the Warrant Agent and Other Matters. 6.1 Payment of Taxes. The Company will from time to time promptly pay all taxes and charges that may be imposed upon the Company or the
Warrant Agent in respect of the issuance or delivery of Class A Ordinary Shares upon the exercise of Warrants, but the Company shall not be obligated to pay any transfer taxes in respect of the Warrants or such shares.  3




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6.2 Resignation, Consolidation, or Merger of Warrant Agent. 6.2.1 Appointment of Successor Warrant Agent. The Warrant Agent, or any successor to it hereafter appointed, may resign its duties and
be discharged from all further duties and liabilities hereunder after giving sixty (60) days notice in writing to the Company. If the office of the Warrant Agent becomes vacant by resignation or incapacity to act or otherwise, the Company
shall appoint in writing a successor Warrant Agent in place of the Warrant Agent. After appointment, any successor Warrant Agent shall be vested with all the authority, powers, rights, immunities, duties, and obligations of its predecessor Warrant
Agent with like effect as if originally named as Warrant Agent hereunder, without any further act or deed; but if for any reason it becomes necessary or appropriate, the predecessor Warrant Agent shall execute and deliver, at the expense of the
Company, an instrument transferring to such successor Warrant Agent all the authority, powers, and rights of such predecessor Warrant Agent hereunder; and upon request of any successor Warrant Agent the Company shall make, execute, acknowledge, and
deliver any and all instruments in writing for more fully and effectually vesting in and confirming to such successor Warrant Agent all such authority, powers, rights, immunities, duties, and obligations. 6.2.2 Notice of Successor Warrant Agent. In the event a successor Warrant Agent shall be appointed, the Company shall give notice
thereof to the predecessor Warrant Agent and the transfer agent for the Class A Ordinary Shares not later than the effective date of any such appointment. 6.2.3 Merger or Consolidation of Warrant Agent. Any corporation into which the Warrant Agent may be merged or with which it may be
consolidated or any corporation resulting from any merger or consolidation to which the Warrant Agent shall be a party shall be the successor Warrant Agent under this Agreement without any further act. 6.3 Fees and Expenses of Warrant Agent. 6.3.1 Remuneration. The Company agrees to pay the Warrant Agent reasonable remuneration for its services as such Warrant Agent
hereunder and will reimburse the Warrant Agent upon demand for all expenditures that the Warrant Agent may reasonably incur in the execution of its duties hereunder. 6.3.2 Further Assurances. The Company agrees to perform, execute, acknowledge and deliver or cause to be performed, executed,
acknowledged and delivered all such further and other acts, instruments and assurances as may reasonably be required by the Warrant Agent for the carrying out or performing of the provisions of this Agreement.  4




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6.4 Liability of Warrant Agent. 6.4.1 Reliance on Company Statement. Whenever in the performance of its duties under this Agreement the Warrant Agent shall deem it
necessary or desirable that any fact or matter be proved or established by the Company prior to taking or suffering any action hereunder, such fact or matter (unless other evidence in respect thereof be herein specifically prescribed) may be deemed
to be conclusively proved and established by a statement signed by an authorized signatory of the Company and delivered to the Warrant Agent. The Warrant Agent may rely upon such statement for any action taken or suffered in good faith by it
pursuant to the provisions of this Agreement. 6.4.2 Indemnity. The Warrant Agent shall be liable hereunder only for its own gross
negligence, willful misconduct or bad faith. The Company agrees to indemnify the Warrant Agent and save it harmless against any and all liabilities, including judgments, costs and reasonable counsel fees, for anything done or omitted by the Warrant
Agent in the execution of this Agreement, except as a result of the Warrant Agents gross negligence, willful misconduct or bad faith. 6.4.3 Exclusions. The Warrant Agent shall have no responsibility with respect to the validity of this Agreement or with respect to the
validity or execution of any Warrant; nor shall it be responsible for any breach by the Company of any covenant or condition contained in this Agreement or in any Warrant; nor shall it be responsible to make any adjustments required under clause 7
of the Warrant Instrument or responsible for the manner, method or amount of any such adjustment or the ascertaining of the existence of facts that would require any such adjustment; nor shall it by any act hereunder be deemed to make any
representation or warranty as to the authorization or reservation of Class A Ordinary Shares to be issued pursuant to this Agreement or any Warrant or as to whether any Class A Ordinary Shares will when issued be valid and fully paid and
nonassessable. 6.5 Acceptance of Agency. The Warrant Agent hereby accepts the agency established by this Agreement and agrees to
perform the same upon the terms and conditions herein set forth and, among other things, shall account promptly to the Company with respect to Warrants exercised and concurrently account for, and pay to the Company, all moneys received by the
Warrant Agent for the purchase of Class A Ordinary Shares through the exercise of Warrants. 7. Miscellaneous Provisions. 7.1 Successors. All the covenants and provisions of this Agreement by or for the benefit of the Company or the Warrant Agent shall bind
and inure to the benefit of their respective successors and assigns.  5




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7.2 Notices. 7.2.1 Any notice, statement or demand authorized by this Agreement to be given or made by the Warrant Agent to or on the Company shall be
given by, delivered at or sent by first class post or other faster service or facsimile transmission or other means of electronic communication to the latest known postal address, relevant facsimile number or electronic communication (email) address
of the Company (until another address is filed in writing by the Company with the Warrant Agent). The postal address of the Company as of the date of this Agreement is as follows: MoneyHero Limited c/o 70 Shenton Way, #18-15, EON Shenton, S079118, Singapore Attn: Shaun Kraft; Laura Hannon 7.2.2 Any notice, statement or demand authorized by this Agreement to be given or made by the Company to or on the Warrant Agent shall be be
given by, delivered at or sent by first class post or other faster service or facsimile transmission or other means of electronic communication to the latest known postal address, relevant facsimile number or electronic communication (email) address
of the Warrant Agent (until another address is filed in writing by the Warrant Agent with the Company). The postal address of the Warrant Agent as of the date of this Agreement is as follows: Continental Stock Transfer & Trust Company 1 State Street, 30 FL New York, New York 10004 Attn: Compliance Department 7.2.3 Any notice, sent pursuant to this Agreement shall be effective, (i) if delivered, at the time of delivery; (ii) if posted, at
10.00 a.m. on the seventh (7th) business day after it was put into the post; or (iii) if sent by facsimile or email, at the time of completion of transmission. 7.3 Applicable Law. The validity, interpretation and performance of this Agreement shall be governed in all respects by the laws of the
State of New York, without giving effect to conflicts of law principles that would result in the application of the substantive laws of another jurisdiction. The Company hereby agrees that any action, proceeding or claim against it arising out of or
relating in any way to this Agreement shall be brought and enforced in the courts of the State of New York or the United States District Court for the Southern District of New York, and irrevocably submits to such jurisdiction, which jurisdiction
shall be exclusive. The Company hereby waives any objection to such exclusive jurisdiction and that such courts represent an inconvenient forum. Any such process or summons to be served upon the Company may be served by transmitting a copy thereof
by registered or certified mail, return receipt requested, postage prepaid, addressed to it at the address set forth in Section 7.2 hereof. Such mailing shall be deemed personal service and shall be legal and binding upon the Company in any
action, proceeding or claim. 7.4 Persons Having Rights under this Agreement. Nothing in this Agreement expressed and nothing that
may be implied from any of the provisions hereof is intended, or shall be construed, to confer upon, or give to, any person or corporation other than the parties hereto and the registered holders of the Warrants, any right, remedy, or claim under or
by reason of this Agreement or of any covenant, condition, stipulation, promise, or agreement hereof. All covenants, conditions, stipulations, promises, and agreements contained in this Agreement shall be for the sole and exclusive benefit of the
parties hereto and their successors and assigns and of the registered holders of the Warrants. 7.5 Counterparts. This Agreement
may be executed in any number of original or facsimile counterparts and each of such counterparts shall for all purposes be deemed to be an original, and all such counterparts shall together constitute but one and the same instrument.  6




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7.6 Effect of Headings. The section headings herein are for convenience only and are
not part of this Agreement and shall not affect the interpretation thereof. 7.7 Amendments. This Agreement may be amended by the
parties hereto without the consent of any registered holder for the purpose of curing any ambiguity, or curing, correcting or supplementing any defective provision contained herein or adding or changing any other provisions with respect to matters
or questions arising under this Agreement as the parties may deem necessary or desirable and that the parties deem shall not adversely affect the interest of the registered holders. All other modifications or amendments shall require Warrantholder
Consent (as defined in the Warrant Instrument). For the avoidance of doubt, (i) all or any of the rights for the time being attached to the warrants (including the Exercise Rights) may from time to time be altered or abrogated with
Warrantholder Consent and shall be effected by an instrument by way of deed poll executed by the Company and expressed to be supplemental to the Warrant Instrument; and (ii) modifications to the Warrant Instrument that are of a formal, minor or
technical nature, or made to correct a manifest error, may be effected by an instrument by way of deed poll executed by the Company and expressed to be supplemental to the Warrant Instrument. 7.8 Severability. Whenever possible, each provision of this Agreement shall be interpreted in such manner as to be effective and valid
under applicable law, but if any provision of this Agreement is held to be prohibited by or invalid under applicable law, such provision shall be ineffective only to the extent of such prohibition or invalidity, without invalidating the remainder of
this Agreement. [Signature page follows]  7




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IN WITNESS WHEREOF, this Agreement has been duly executed by the parties hereto as of the day and year first
above written.  MONEYHERO LIMITEDBy:

LOGOName: Shaun KraftTitle: Authorized Signatory and ChiefFinancial OfficerCONTINENTAL STOCK TRANSFER & TRUST COMPANYBy:Name:Title:
  [Signature Page to
PubCo Class A Warrant Agreement]




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IN WITNESS WHEREOF, this Agreement has been duly executed by the parties hereto as of the day and year first
above written.  MONEYHERO LIMITEDBy:Name:Title:CONTINENTAL STOCK TRANSFER & TRUST COMPANYBy:

LOGOName: Stacy AquiTitle: Vice President
  [Signature Page to
PubCo Class A Warrant Agreement]




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Exhibit A Instrument of PubCo Class A Acquisition Warrants




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Execution Version Dated October 12, 2023 WARRANT INSTRUMENT RELATING TO 20,067,574 WARRANTS TO SUBSCRIBE FOR CLASS A ORDINARY SHARES IN MONEYHERO LIMITED




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TABLE OF CONTENTS  Page1

Interpretation


12

Constitution and Form of Warrants


53

Register and Warrant Certificates


64

Timing for exercise of Exercise Rights


65

Mechanism for Exercising Exercise Rights


66

Completion


67

Adjustment


78

Undertaking of PubCo


89

Winding up of PubCo


810

Transfer of Warrants


911

Variation of Rights


912

Replacement of Warrant Certificates


913

Notices


914

Termination


915

Governing Law and Arbitration


9Schedule 1 Form of Warrant Certificate


1Notice of Exercise


3Schedule 2 Register, Transfer and Notices


4  i




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THIS INSTRUMENT is entered into by way of deed poll on October 12, 2023 by: MoneyHero Limited(formerly known as Hyphen Group Limited), an exempted company duly incorporated and existing under the laws of the Cayman Islands with
its registered office at Walkers Corporate Limited, 190 Elgin Avenue, George Town, Grand Cayman KY1-9008, Cayman Islands (together with its authorized representatives, where applicable,
PubCo). WHEREAS:  (A)
On May 25, 2023, PubCo, CompareAsia Group Capital Limited, an exempted company duly incorporated and existing
under the Laws of the Cayman Islands with its registered office at Walkers Corporate Limited, 190 Elgin Avenue, George Town, Grand Cayman KY1-9008, Cayman Islands (the Company), Bridgetown
Holdings Limited, a Cayman Islands exempted company limited by shares, Gemini Merger Sub 1 Limited , a Cayman Islands exempted company limited by shares and a direct wholly-owned Subsidiary of PubCo, and Gemini Merger Sub 2 Limited, a Cayman Islands
exempted company limited by shares and a direct wholly-owned Subsidiary of PubCo, entered into a business combination agreement (as amended, modified or supplemented from time to time, the Business Combination Agreement).  (B)
In connection with the transactions contemplated under the Business Combination Agreement, on May 25,
2023, PubCo and the Company, among others, entered into a supplemental deed (as amended, modified or supplemented from time to time, the Supplemental Deed) in relation to the warrant instrument relating to warrants to subscribe
for class A ordinary shares in the Company, dated October 14, 2022.  (C)
Pursuant to the Supplemental Deed, upon the Acquisition Effective Time (as defined in the Business Combination
Agreement), PubCo shall create and issue the Warrants (as defined below) to subscribe Class A Ordinary Shares (as defined below) on the terms and subject to the conditions set out in this Instrument.  (D)
This Instrument has been executed by PubCo as a deed poll in favour of the Warrantholders (as defined below). THIS INSTRUMENT WITNESSESas follows:  1
Interpretation  1.1
In this Instrument, unless otherwise defined herein, capitalised terms have the meanings ascribed to them in
the Business Combination Agreement: Affiliate means (i) with respect to a Person other than a
natural person, any other Person that, directly or indirectly, Controls, is Controlled by or is under common Control with such Person and (ii) in the case of a Person that is a natural person, any other Person that is directly or indirectly
Controlled by such Person or is a Relative of such Person or any Person that is directly or indirectly Controlled by such Relative; Board means the board of directors of PubCo; Business means PubCo and its Subsidiaries business of operating a web or application-based marketplace, community,
brokerage or aggregator service specialized in fintech and financial services and comparing banking, insurance, telecommunication, utility or other personal finance products and/or providing platform- or software-as-a-service solutions;  1




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Business Day means any day except a Saturday, Sunday or other day on which commercial banks in Singapore, Hong Kong, the Cayman Islands or New York City, New York are
authorized or required by applicable law to close; ClassA Ordinary Shares means the Class A
ordinary shares of PubCo, par value US$0.0001 per share; Control means with respect to a Person, (i) direct or
indirect ownership or control of more than 50% of the outstanding voting securities of such Person; (ii) the ability to appoint or remove a majority of the directors of the board (or equivalent governing body) of such Person; (iii) the
right to control the votes at a meeting of the board of directors (or equivalent governing body) of such Person; or (iv) the ability to direct or cause the direction of the management and policies of such Person (whether by contract or
howsoever arising); and the terms Controls, Controlling and Controlled shall be construed accordingly; Exercise Period means, in relation to the Warrants represented by a Warrant Certificate, the period commencing on the
Issuance Date of such Warrants and ending on October 14, 2027 (both dates inclusive); Exercise Price means:  (i)
in relation to the Warrants (Class A-1), US$2.9899 per Warrant,  (ii)
in relation to the Warrants (Class A-2), US$5.9798 per Warrant,  (iii)
in relation to the Warrants (Class A-3), US$8.9697 per Warrant, in each case, for avoidance of doubt, regardless of the number of Class A Ordinary Shares each Warrant is
convertible into, upon exercise of the Exercise Rights, as determined by the Exercise Ratio; Exercise Ratio means,
initially, at the rate of 0.307212 Class A Ordinary Share for each Warrant, as adjusted from time to time in the circumstances and in the manner referred to in clause7; Exercise Rights means the rights of Warrantholders to exercise the Warrants for Class A Ordinary Shares at the Exercise
Price and at the Exercise Ratio, pursuant to clause5; Government Authority means any nation or
government or any federation, province or state or any other political subdivision thereof; any entity, authority or body exercising executive, legislative, judicial, regulatory or administrative functions of or pertaining to government, including
any government authority, agency, department, board, commission or instrumentality of Hong Kong, Singapore, the Cayman Islands or any other country, or any political subdivision thereof, any court, tribunal or arbitrator, and any self-regulatory
organization; Holding Company has the meaning given in clause1.4.4;  2




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Issuance Date means, in relation to the Warrants represented by a Warrant
Certificate, the date of issuance of such Warrants as stipulated in the Warrant Certificate; Notice of Exercise means
the notice set out in the schedule to the Warrant Certificate; Permitted Transferee means with respect to any
Warrantholder, any Person other than (i) PubCo or any of its Subsidiaries or (ii) any Prohibited Transferee (whether or not an Affiliate of the transferring Warrantholder); Person means any individual, corporation, partnership, limited partnership, proprietorship, association, limited liability
company, firm, trust, estate or other enterprise or entity; Politically Exposed Person means a current or former senior
official in the executive, legislative, administrative, military or judicial branches of a Government Authority (whether elected or not), a current or former senior official of a major political party, or a current or former senior executive of a
government-owned commercial enterprise. In addition, a Politically Exposed Person includes any corporation, business or other entity that has been formed by, or for the benefit of, a Politically Exposed Person; Prohibited Transferee means (i) any PubCo Competitor; (ii) any current or potential future provider of PubCo
within the insurance, retail banking or telecommunications industry; (iii) any Person whose involvement or investment in the Business is or could reasonably be, as determined by the Board, damaging to the reputation of the Business, and in each
case of (i) and (ii), unless otherwise determined by the Board; or (iv) any Person who (a) is named on (1) lists promulgated by the United Nations Security Council or its committees pursuant to resolutions issued under Chapter
VII of the United Nations Charter or (2) the World Bank Listing of Ineligible Firms (see www.worldbank.org/debarr); (b) is targeted by or subject to any sanction administered or enforced by the Office of Foreign Assets Control of the US
Department of the Treasury, the U.S. Department of State or under a UN Security Council Resolution; or (c) is a Politically Exposed Person; provided, that in respect of any transfer of Warrants by Global Private Opportunities Partners II LP or
Global Private Opportunities Partners II Offshore Holdings LP, any Affiliate of Goldman, Sachs & Co. or any Person who is an investor in funds advised by an Affiliate of Goldman, Sachs & Co., shall be deemed not to be a Prohibited
Transferee; PubCo Bank Account means the following bank account designated by PubCo (as may be updated by PubCo by
notice in writing to the Warrantholders): Correspondent Bank Name: JP Morgan Chase Correspondent Bank SWIFT Code: CHASUS33 ABA Routing Number: 021000021 Correspondent Bank Address (or country): 270 Park Avenue, 41st Floor, New York, NY 10017 Beneficiary Account
Name: Continental Stock Transfer & Trust Company AAF MoneyHero Limited Beneficiary Account Number: 557-761189  3




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PubCo Competitor means any marketplace, brokerage or aggregator for
financial services, including banking, brokerage and insurance companies, telecommunication companies, utility providers as well as companies that compare banking, brokerage, insurance, telecommunication or utility products, or compare any other
products that PubCo or its Subsidiaries are comparing from time to time, unless the Board otherwise determines; PubCo
Charter means the amended and restated memorandum and articles of association of PubCo, as amended from time to time; Register means the respective registers of entitlement to the Warrants as maintained by PubCo and amended from time to time,
including the original registers and copies thereof; Registered Office means the registered office of PubCo or any
other places designated by PubCo from time to time. The Registered Office shall initially be: Continental Stock Transfer & Trust
Company 1 State Street, 30 FL New York, New York 10004 Relative of a natural person shall mean the siblings, spouse and children of such natural person and any parent or siblings
of such natural person or spouse; Shares shall mean any shares in the capital of PubCo; Subsidiary has the meaning given in clause1.4.4; Warrant (Class A-1) means each of the Warrants described as Class A-1 Warrants in the relevant Warrant Certificate with the Exercise Price attributable to such class of Warrants; Warrant (Class A-2) means each of the Warrants described as Class A-2 Warrants in the relevant Warrant Certificate with the Exercise Price attributable to such class of Warrants; Warrant (Class A-3) means each of the Warrants described as Class A-3 Warrants in the relevant Warrant Certificate with the Exercise Price attributable to such class of Warrants; Warrant Certificate means a certificate in the form, or substantially in the form, set out in Schedule 1; Warrant Shares means the Class A Ordinary Shares issuable upon the exercise of the Warrants; Warrantholder means the Person or Persons in whose name(s) a Warrant is approved by the Board to be issued and is registered
by the Register as duly held by such Person; Warrantholder Consent means the consent of a majority of the holders of
not less than 75 per cent. of the Warrants; and  4




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Warrants means the warrants of PubCo constituted by this Instrument and
all rights conferred by it.  1.2
Words and expressions defined in PubCo Charter shall, unless otherwise defined in this Instrument, have the
same meaning when used in this Instrument.  1.3
The headings in this Instrument do not affect its interpretation.  1.4
In this Instrument a reference to:  1.4.1
a clause, paragraph or schedule, unless the context otherwise requires, is a reference to a clause or paragraph
of, or schedule to, this Instrument;  1.4.2
references herein to this Instrument include, where the context so admits, the Schedules hereto;  1.4.3
a statutory provision shall be construed as a reference to those provisions and any subordinate legislation
made under the statutory provision in force at the date of this Instrument; and  1.4.4
a company is a Subsidiary of another company, its Holding Company if that
other company:  (a)
holds a majority of the voting rights in it; or  (b)
is a member of it and has the right to appoint or remove a majority of its board of directors; or  (c)
is a member of it and Controls alone, pursuant to an agreement with other shareholders or members, a majority
of the voting rights in it; or if it is a Subsidiary of a company which itself is a Subsidiary of that other company.  2
Constitution and Form of Warrants  2.1
PubCo hereby creates and issues, pursuant to the Supplemental Deed, 20,067,574 warrants of PubCo to subscribe
for Class A Ordinary Shares on the terms and subject to the conditions of this Instrument.  2.2
Each Warrantholder shall be entitled, on exercise of the Exercise Rights attaching to its Warrants, and on the
terms and subject to the conditions set out in this Instrument, to convert all or part of the Warrants held by it into Class A Ordinary Shares at the Exercise Ratio. The price to be paid by the Warrantholder to PubCo upon exercise of the
Exercise Rights is the product of (i) the Exercise Price, multiplied by (ii) the number of exercised Warrants.  2.3
PubCo undertakes to comply with the terms and conditions of this Instrument and specifically, but without
limitation, to give effect to the Exercise Rights in accordance with the terms of this Instrument.  5




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2.4
The Warrants are issued subject to the PubCo Charter and otherwise on the terms and conditions of this
Instrument which are binding on PubCo and each Warrantholder and all Persons claiming through or under them.  3
Register and Warrant Certificates  3.1
PubCo shall maintain the Register in accordance with the provisions of Schedule2.  3.2
PubCo shall, on the day of entering the name of a Warrantholder in the Register, issue to the Warrantholder a
Warrant Certificate in respect of that number of Warrant Shares to which it is entitled.  4
Timing for exercise of Exercise Rights  4.1
During the Exercise Period, the Warrants entitle each Warrantholder to exercise its Exercise Rights at any
time.  4.2
The Warrants shall be in registered form. Each Warrant shall carry the Exercise Right and shall be transferable
in accordance with clause10 and Schedule2.  5
Mechanism for Exercising Exercise Rights  5.1
Subject to clause4.1, if a Warrantholder decides to exercise its Exercise Rights in whole
or in part, such Warrantholder may do so by lodging the following items at the Registered Office:  5.1.1
the relevant Warrant Certificate, together with the duly completed Notice of Exercise; and  5.1.2
a bank transfer to the PubCo Bank Account for the aggregate Exercise Price payable for the Warrants in respect
of which the Exercise Rights are being exercised.  6
Completion  6.1
Subject to clause6.3, following a valid exercise of Exercise Rights by a Warrantholder,
PubCo shall in accordance with clause6.2:  6.1.1
allot and issue to the Warrantholder (or to its nominee or trustee, if applicable) the Class A Ordinary
Shares to which the Warrantholder is entitled, being a number of Class A Ordinary Shares equal to the product of (x) the number of exercised Warrants, multiplied by (y) the Exercise Ratio; and  6.1.2
cause such Class A Ordinary Shares to be registered in book entry form and registered in PubCos
share register or register of members (as applicable) in the Warrantholders name (or its nominees or trustees name, if applicable).  6.2
The obligations of PubCo under clause6.1 shall be fulfilled within two (2) Business Days
after the Notice of Exercise is lodged at the Registered Office (the date such obligations are being fulfilled, the ExerciseDate).  6




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6.3
Warrant Shares issued pursuant to this Instrument:  6.3.1
shall be credited as fully paid;  6.3.2
shall have the rights set out in the PubCo Charter relating to Class A Ordinary Shares; and  6.3.3
shall rank paripassuin all respects with those Class A Ordinary Shares in
issue on the Exercise Date.  6.4
If a Warrantholder exercises only some of his/her/its Warrants, a new Warrant Certificate in respect of the
balance of the Warrants will be issued and delivered to the Warrantholder within five (5) Business Days of the surrender of that Warrant Certificate (for avoidance of doubt, the date of issuance of the balance of such Warrants shall remain the
same).  7
Adjustment  7.1
Share Dividends and Splits. If after the date hereof, and subject to the provisions ofclause7.6 below, the number of outstanding Class A Ordinary Shares is increased by a share dividend payable in Class A Ordinary Shares, or by a split up of Class A Ordinary Shares, or other similar event, then, on the effective
date of such share dividend, split up or similar event, the Exercise Ratio shall be increased in proportion to such increase in issued and outstanding shares of Class A Ordinary Shares.  7.2
AggregationofShares. If after the date hereof, and subject to the
provisions of clause 7.6 below, the number of issued and outstanding Class A Ordinary Shares is decreased by a consolidation, combination or reclassification of Class A Ordinary Shares or other similar event, then, on the
effective date of such consolidation, combination, reclassification or similar event, the Exercise Ratio shall be decreased in proportion to such decrease in issued and outstanding Class A Ordinary Shares.  7.3
AdjustmentsinExercisePrice. Whenever the Exercise Ratio is
adjusted, as provided inclauses7.1 or 7.2 above, the Exercise Price shall be the same as it was prior to the such adjustment.  7.4
Replacement of Securities upon Reorganization, etc. In case of any reclassification or reorganization of
the outstanding Class A Ordinary Shares (other than a change addressed in clauses7.1 or 7.2 above or that solely affects the par value of such Class A Ordinary Shares), or in the case of any merger or consolidation of
PubCo with or into another corporation (other than a consolidation or merger in which PubCo is the continuing corporation and that does not result in any reclassification or reorganization of the outstanding Class A Ordinary Shares), or in the
case of any sale or conveyance to another corporation or entity of the assets or other property of PubCo as an entirety or substantially as an entirety in connection with which PubCo is dissolved, the Warrantholders shall thereafter have the right
to purchase and receive, upon the basis and upon the terms and conditions specified in the Warrants and in lieu of the Class A Ordinary Shares purchasable and receivable upon the exercise of the rights represented thereby, the kind and amount
of shares of stock or other securities or property (including cash) receivable upon such reclassification, reorganization, merger or consolidation, or upon a dissolution following any such sale or transfer, that the Warrantholder would have received
if such Warrantholder had exercised his/her/its Warrant(s) immediately prior to such event; and if any reclassification also results in a change in Class A Ordinary Shares addressed in clauses7.1 or 7.2 above, then such
adjustment shall be made pursuant to clauses7.1, 7.2 and this clause7.4. The provisions of this clause7.4 shall similarly apply to successive reclassifications, reorganizations, mergers or
consolidations, sales or other transfers.  7




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7.5
Notice of Changes in Warrants. PubCo shall send the Warrantholders notice of any adjustments to the
Exercise Rights made pursuant to clauses 7.1 to 7.4 as soon as practicable (and within five (5) Business Days) following the relevant resolution of the Board giving effect to or sanctioning the event referred to in clauses 7.1
to 7.4 together with a replacement Warrant Certificate evidencing each Warrantholders adjusted Exercise Ratio.  7.6
No Fractional Shares. No fractions of a Warrant Share shall be issued on the exercise of a Warrant. If,
by reason of any provisions in this Instrument, any Warrantholder would otherwise be entitled, upon the exercise of its Exercise Rights, to receive a fractional interest in a Warrant Share (after aggregating all fractional Warrant Shares that
otherwise would be received by such Warrantholder), PubCo shall, upon such exercise, round down the number of Warrant Shares to be issued to such Warrantholder to the nearest whole number.  7.7
Other Events. In case any event shall occur affecting PubCo as to which none of the provisions of
preceding subclauses of this clause 7 are strictly applicable, but which would require an adjustment to the terms of the Warrants in order to (a) avoid an adverse impact on the Warrants and (b) effectuate the intent and purpose of
this clause 7, then, in each such case, the Board shall appoint a firm of independent public accountants, investment banking or other appraisal firm of recognized national standing, which shall give its opinion as to whether or not any
adjustment to the rights represented by the Warrants is necessary to effectuate the intent and purpose of this clause 7 and, if they determine that an adjustment is necessary, the terms of such adjustment. Without prejudice to the foregoing,
PubCo shall not take any action which would result in any adjustment to the Exercise Ratio if, after giving effect thereto, the Exercise Ratio would be increased to such an extent that the Class A Ordinary Shares to be issued on exercise of any
Warrants could not, under any applicable law then in effect, be legally issued as fully paid.  8
Undertaking of PubCo PubCo undertakes to each Warrantholder that during the Exercise Period (except with Warrantholder Consent or pursuant to clause 7 of
this Instrument or as otherwise provided in the PubCo Charter), it will keep available for issue and free from preemptive rights sufficient authorised but unissued share capital to satisfy in full the exercise of all outstanding Warrants.  9
Winding up of PubCo If, during the Exercise Period, an order is made or an effective resolution is passed for winding up or dissolution of PubCo (except for the
purpose of implementing a reconstruction, amalgamation or scheme of arrangement on terms previously sanctioned by a special resolution) each Warrantholder will be treated as if, immediately before the date of such order or resolution, such
Warrantholder had exercised all the Exercise Rights which remain to be exercised by such Warrantholder and shall be entitled to receive out of the assets which would otherwise be available in the liquidation such sum (if any) as such Warrantholder
would have received had such Warrantholder been the holder of the Class A Ordinary Shares to which such Warrantholder would have become entitled by virtue of such exercise, after deducting from such sum an amount equal to the Exercise Price
which would have been payable upon such exercise.  8




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10
Transfer of Warrants The Warrants are transferable in accordance with the provisions of paragraph 2 of Schedule 2.  11
Variation of Rights  11.1
All or any of the rights for the time being attached to the Warrants (including the Exercise Rights) may from
time to time (whether or not PubCo is being wound up) be altered or abrogated with Warrantholder Consent and shall be effected by an instrument by way of deed poll executed by PubCo and expressed to be supplemental to this Instrument.  11.2
Modifications to the Instrument which are of a formal, minor or technical nature, or made to correct a manifest
error, may be effected by an instrument by way of deed poll executed by PubCo and expressed to be supplemental to this Instrument.  12
Replacement of Warrant Certificates If a Warrant Certificate is mutilated, defaced, lost, stolen or destroyed, it will be replaced by PubCo upon payment by the Warrantholder of
PubCos reasonable costs in connection with the issue of the replacement. Mutilated or defaced Warrant Certificates in respect of which replacements are being sought must be surrendered before replacements will be issued.  13
Notices Any notice to be given to or by the Warrantholders for the purposes of this Instrument shall be given in accordance with the provisions of
paragraph 3 of Schedule 2.  14
Termination This Instrument shall terminate upon the earlier of (i) the end of the Exercise Period or (ii) the date upon which there ceases to be any
unexercised Warrants outstanding.  15
Governing Law and Arbitration  15.1
This Instrument and any dispute or claim arising out of or in connection with it or its subject matter shall be
governed by, and construed in accordance with, the laws of the Cayman Islands, without giving effect to any choice of law or conflict of law rules or provisions (whether of the Cayman Islands or any other jurisdiction) that would cause the
application of the laws of any jurisdiction other than the Cayman Islands.  9




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15.2
Any dispute, controversy, difference or claim arising out of or relating to this Instrument, including the
existence, validity, interpretation, performance, breach or termination thereof or any dispute regarding non-contractual obligations arising out of or relating to it shall be finally resolved by arbitration
administered by the Hong Kong International Arbitration Centre (HKIAC) under the HKIAC Administered Arbitration Rules in force when the notice of arbitration is submitted. The law of this arbitration clause shall be that stated in
clause 15.1. The seat of this arbitration shall be Hong Kong. The number of arbitrators shall be three (3). The arbitration proceedings shall be conducted in English.  15.3
Notwithstanding the foregoing, nothing in this clause shall prevent any party seeking any interim or
interlocutory relief in aid of any arbitration or in connection with enforcement proceedings from any court of competent jurisdiction.  10




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IN WITNESS WHEREOFthis Instrument has been executed by PubCo as a deed poll and is intended to be
and is hereby delivered on the date first above written.  Executed as a deed by MoneyHero Limited acting by Shaun Kraft, as authorized signatory, in the presence of:

LOGO

LOGOSIGNATURE OF SHAUN KRAFTLOGOSIGNATURE OF WITNESSName:   Jia Xu Lee Address: 70
Shenton Way, #18-08, EON Shenton, Singapore 079118 Occupation of Witness: Paralegal   [Signature Page to
Instrument of MoneyHero Limited Class A Acquisition Warrants]




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Schedule 1 Form of Warrant Certificate MONEYHERO LIMITED (PubCo) (Incorporated under the laws of Cayman Islands with registered number 398798) WARRANT CERTIFICATE  Certificate No. Date of Issue of Warrant Certificate: Date of Issue of Warrants: Name and Address of Warrantholder: Number of Warrants: Class of Warrants: Warrants (Class [A-1][A-2][A-3]) Exercise Price: US$[] for each Warrant Exercise Ratio: 0.307212 Class A Ordinary Share(s) for each Warrant (as adjusted from time to time pursuant to clause 7
of the Warrant Instrument) THIS IS TO CERTIFY that the Warrantholder named above is the registered holder of the number of Warrants specified above, each
of which entitles the holder (inter alia)to subscribe for [] Class A Ordinary Shares in PubCo as calculated in accordance with the terms and conditions set out in the instrument entered into by way of deed poll dated [] (the
Warrant Instrument) and subject to the PubCo Charter. Terms defined in the Warrant Instrument have the same meaning when used in this Certificate. This Warrant Certificate has been executed as a deed and is delivered and takes effect on the date of issue stated at the beginning of it.  1




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Executed as a deed by MoneyHero Limitedacting by [NAME OF FIRST DIRECTOR],a director and [NAME OF SECOND DIRECTOR OR SECRETARY],[a director OR its secretary]LOGO[SIGNATURE OF FIRST DIRECTOR]Director  LOGO[SIGNATURE OF SECOND DIRECTOR OR SECRETARY][Director or Secretary]  OR  Executed as a deed by MoneyHero Limitedacting by [[NAME OF DIRECTOR] a director]/[NAME OF AUTHORISED SIGNATORY] as authorised signatory,[SIGNATURE OF [DIRECTOR]/[AUTHORISED SIGNATORY]]

LOGO[Director]/[Authorised Signatory] 
in the presence of:Witness Signature:Name:Address:OccupationDated: [INSERT DATE]  2




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Schedule to the Warrant Certificate Notice of Exercise  To:
MoneyHero Limited [Address] with a copy to: Continental Stock Transfer & Trust Company 1 State Street, 30 FL New York,
New York 10004 Attn:  Compliance Department We hereby exercise the Exercise Rights over  of the Warrants represented by this Warrant Certificate and enclose a
bankers draft for US$  being     the aggregate Exercise Price payable in respect thereof. We
direct PubCo to allot the Class A Ordinary Shares in the following numbers and to the following proposed allottees:  No. of Class A Ordinary
Shares

Name of Proposed
Allottee

Address of Proposed
Allottee123 We agree that the Class A Ordinary Shares are issued to us subject to the PubCo Charter.  Signed by[]

LOGOFor and on behalf of[] LimitedDirector/Secretary  Lodged by: (agent to whom share certificate(s) should be sent) Name of Agent:Address:For the attention of:  3




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Schedule 2 Register, Transfer and Notices  1
Register  1.1
PubCo shall keep the Register at the Registered Office and there, entered in the Register:  1.1.1
the names and addresses of the Warrantholders;  1.1.2
the number of Warrants held by each Warrantholder; and  1.1.3
the date on which the name of each Warrantholder is entered in the Register in respect of the Warrants
registered in his/its name.  1.2
Any change in the name or address of any Warrantholder shall be notified as soon as reasonably practicable
following such change to PubCo which shall cause the Register to be altered accordingly. The Warrantholders or any of them or any Person authorised by any such Warrantholder shall be at liberty at all reasonable time during office hours upon two
(2) Business Days notice to inspect the Register and to take copies of or extract from the same or any part thereof.  1.3
PubCo shall be entitled to treat the Person whose name is shown in the Register as a Warrantholder as the
absolute owner of the Warrant and, accordingly, shall not except as ordered by a court of competent jurisdiction or as required by law, be bound to recognise any equitable or other claim to, or interest in, such Warrant on the part of any other
Person whether or not it shall have express or other notice thereof.  1.4
Every Warrantholder shall be recognised by PubCo as entitled to his/her/its Warrants free from any equity, set-off or cross-claim on the part of PubCo, or any original or intermediate holder of such Warrants.  2
Transfers  2.1
No Warrantholder shall be entitled to assign or transfer any rights or obligations under any Warrant without
the prior written consent of PubCo, except if such Warrants are assigned or transferred to an Affiliate of such Warrantholder that is a Permitted Transferee.  2.2
The Warrants may not be transferred otherwise than as permitted by paragraph 2.1 above.  2.3
The provisions of Schedule 2 shall regulate any transfer of a Warrant.  2.4
Each Warrant will be registered and will be transferable subject to paragraph 2.1 of thisSchedule2 by instrument of transfer in any usual or common form, or in any other form which may be approved by the Board. PubCo may refuse to register any transfer of Warrants unless it is duly stamped and lodged at the Registered Office
accompanied by a certificate for the Warrants to be transferred and such other evidence as the Board may reasonably require to show the right of the transferor to make the transfer, but shall register any transfer which is so stamped and lodged, and
so accompanied by a certificate or other evidence. Certificates shall be produced by PubCo within two (2) Business Days of a valid transfer lodgement.  4




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3
Notices  3.1
Each Warrantholder shall register with PubCo an address to which notices can be sent and if any Warrantholder
shall fail to do so, notice may be given to such Warrantholder by sending the same by any of the methods referred to in paragraph 3.2 of this Schedule to his/her/its last known place of business or residence or, if none, by exhibiting the same for
three (3) Business Days at the Registered Office.  3.2
Notices and other communications to Warrantholders and/or to PubCo shall be in writing and shall be delivered
personally, sent by courier or by facsimile process, or if sent to an address, by first class post. In proving service of any notice or other communication sent by post it shall be sufficient to prove that the envelope or wrapper containing the
notice or other communication was properly addressed and stamped and was deposited in a post box or at the post office. In proving service of a notice or other communication sent by facsimile process it shall be sufficient to prove that the
facsimile message was properly addressed and despatched.  3.3
A notice or other communication given pursuant to the provisions of paragraph 3.2 of this Schedule must be in
writing in the English language and must be given by, delivered at or sent by first class post or other faster service or facsimile transmission or other means of electronic communication to the latest known postal address, relevant facsimile number
or electronic communication (email) address of PubCo or the Warrantholder (as applicable). In the absence of evidence of earlier receipt, any notice or document shall be deemed to have been served: (i) if delivered, at the time of delivery;
(ii) if posted, at 10.00 a.m. on the seventh (7th) Business Day after it was put into the post; or (iii) if sent by facsimile or email, at the time of completion of transmission.  3.4
All notices and other communications with respect to Warrants registered in the names of joint registered
holders shall be given to whichever of such Persons is named first in the Register and any notice so given shall be sufficient notice to all the joint registered holders of such Warrants.  3.5
Any Person who, whether by operation of law, transfer or other means whatsoever, becomes entitled to any
Warrant shall be bound by every notice properly given to the Person from whom such Person derives his/its title to such Warrant.  3.6
When a given number of days notice is required to be given, the day of service shall be included but the
day upon which such notice will expire shall not be included in calculating the number of days. The signature to any notice to be given by PubCo may be written or printed (including electronically).  5