Skip to main content

UMX Wealth at a glance: Put your margin to work

Updated
This is a general announcement. The products and services mentioned herein may not be available in your region.

With UMX Wealth, your savings can also serve as margin, so the same funds earn interest and back your trades. There are six product types, from conservative to aggressive and from flexible to fixed-term: Fixed Savings, Flexible Savings, Elite Funds, Alpha Strategies, Stable Earn, and Dual Invest.
 

1. Fixed Savings: Earn interest on your BTC while you trade

The biggest advantage of Fixed Savings is that subscribed BTC counts as margin in your trading account. The same BTC earns interest while backing your trades.
  • Savings as margin: BTC in Fixed Savings can be used as margin, so you keep earning interest while you trade.
  • Early redemption: If you need your funds sooner than the maturity date, you can redeem early at any time.
  • Auto re-subscription: You can set your subscription to renew automatically at maturity.
Best for: High-net-worth users and traders who hold BTC
 

2. Flexible Savings: Put idle funds in your trading account to work

Flexible Savings is a flexible-term savings product inside your trading account. Subscribed funds earn interest and can still be used as margin.
 
  • Usable as margin: Funds in Flexible Savings can be used directly as margin, and continue earning interest while you trade.
  • Hourly interest: Interest is settled every hour.
  • Subscribe and redeem anytime: You can subscribe to or redeem from Flexible Savings whenever you like.
 
Best for: Active traders
 

3. Apex Wealth: Global assets and professional strategies

Apex Wealth has two product types, Elite Funds and Alpha Strategies, giving eligible users a wider range of options.
 
  • Elite Funds: Access top global asset managers and scarce investment opportunities, including private markets, alternative assets, and professional investment strategies.
  • Alpha Strategies: Differentiated, professional strategies such as quant market-neutral, gold and forex, and statistical arbitrage.
  • Eligibility: Both products are open to eligible users only. See the official pages for what's currently available.
 
Best for: High-net-worth users who meet the qualified investor requirements.
 

4. Stable Earn: stablecoins that earn interest

Stable Earn assets earn interest while you hold them, and they have other uses too:
 
  • Margin: Use them as margin in your trading account, so you're always ready to trade.
  • Steady returns: Holding Stable Earn assets earns you an annualized return.
  • 1:1 USD swaps: USDG can be exchanged 1:1 for USD to trade in the securities market.
 
Best for: Long-term stablecoin holders, traders and securities market participants.
 

5. Dual Invest: set a target price and earn when your call is right

If you have a view on where the market is heading, Dual Invest lets you earn from it. UMX currently offers four products:
Product
Market view
Settlement price
Settlement at maturity
Sell BTC high
You expect BTC to rise and want to sell yours at a higher target price.
Target price reached
Your BTC is sold at the target price, and you earn interest in USDT.
Target price not reached
Your BTC isn't sold. You get both principal and interest in BTC.
Sell ETH high
You expect ETH to rise and want to sell yours at a higher target price.
Target price reached
Your ETH is sold at the target price, and you earn interest in USDT.
Target price not reached
Your ETH isn't sold. You get both principal and interest in ETH.
Buy BTC low
You expect BTC to fall, or want to buy the dip, and want to buy BTC at a lower target price.
Target price reached
BTC is bought at the target price, and you earn interest in USDT.
Target price not reached
BTC isn't bought. You get both principal and interest in BTC.
Buy ETH low
You expect ETH to fall, or want to buy the dip, and want to buy ETH at a lower target price.
Target price reached
ETH is bought at the target price, and you earn interest in USDT.
Target price not reached
ETH isn't bought. You get both principal and interest in ETH.
Example:

A user subscribes to Buy BTC low with a target price of 90,000 USD, a subscription amount of 1,000 USDT, a term of 7 days, and an APR of 30%.

Scenario
BTC price at maturity
Settlement
User receives
Target price not reached
95,000 USD 
(above target price)
Principal and interest are returned in USDT.
1,000 + 1,000 × 30% × 7 / 365 ≈ 1,005.75 USDT
Target price reached
88,000 USD 
(below target price)
Principal and interest are converted to BTC at the target price of 90,000 USD.
(1,000 + 5.75) / 90,000 ≈ 0.01118 BTC
It's simple:
  1. Pick a direction and a term.
  2. Choose the product that matches your market view.
  3. Choose a term that suits you. At maturity, the system compares the settlement price with your target price.
    - If it reaches the target price, the asset is bought (Buy low) or sold (Sell high) at that price, and you earn interest.
    - If it doesn't, your principal is returned and you still earn interest.
Best for: Advanced users who have their own view on market direction and want to earn from it.

Thank you for your support of UMX.
 
UMX Team
 
September 18, 2026

Related articles