This is a general announcement. The products and services mentioned herein may not be available in your region.
Dear Clients,
UMX proudly launches its comprehensive Fixed Savings. The new 180-day USDT and BTC term products deliver the perfect balance of trading flexibility and high-yield lockup, empowering diversified crypto asset strategies.
Eligible for Trading Margin
| Digital Asset | Lock-up Period | APR |
| USDT | 90 Days | 4% |
| USDT | 30 Days | 3.40% |
| BTC | 90 Days | 1.50% |
| BTC | 30 Days | 1% |
Not Eligible for Trading Margin
| Digital Asset | Lock-up Period | APR | Remark |
| USDT | 180 Days | 6% | |
| USDT | 91 Days | 7.50% | Exclusive yield boost |
| USDT | 90 Days | 5.50% | |
| USDT | 30 Days | 4.00% | |
| BTC | 180 Days | 2.50% | |
| BTC | 91 Days | 3.50% | Exclusive yield boost |
| BTC | 90 Days | 2.00% | |
| BTC | 30 Days | 1.50% | |
| ETH | 180 Days | 2.50% | |
| ETH | 120 Days | 2.40% | |
| ETH | 90 Days | 2.30% | |
| ETH | 60 Days | 2.20% |
FAQ
Q：Can all Fixed Savings subscriptions be used as trading margin?
A：Only products labeled "Usable as margin" can be used as trading margin. You can see which products have this label in the Fixed Savings product list.
Q：Will my earnings still be calculated if my subscription is being used as margin?
A：Yes. Fixed Savings subscriptions will continue to earn as usual when you're using funds as margin.
Q：Is there a discount rate applied to Fixed Savings margin?
A：When Fixed Savings is transferred to your trading account for use as margin, its value is calculated using a discount rate, then counted toward your cumulative margin according to your trading account's rules. The discount rates for Fixed Savings used as margin are:
USDT: 97%
BTC: 95%
ETH: 90%
Q：How do I carry out early redemption for a Fixed Savings subscription being used as margin?
A：If you want to redeem a subscription that's being used as margin, you'll first need to transfer it from your trading account to your funding account (this cancels its margin status), then carry out the early redemption.
More FAQ: please kindly check Fixed Saving Product
Thank you for your continued trust and support of UMX.
UMX Team
October 06, 2026