This is a general announcement. The products and services mentioned herein may not be available in your region.
Dear Clients,
Dear Clients,
We have comprehensively upgraded our Fixed Saving products. This update covers USDT, BTC, and ETH, offering a variety of lock-up periods and annualized yield options to meet your diverse investment needs.
USDT Fixed Saving Products
| Digital Asset | APY | Lock-up Period | Usable as margin | Redeemable |
| USDT (Exclusive yield boost) | 7.50% | 91 days | ✕ | ✕ |
| USDT | 6.00% | 360 days | ✕ | ✕ |
| USDT | 5.50% | 180 days | ✕ | ✕ |
| USDT | 5.00% | 90 days | ✕ | ✕ |
| USDT | 4.00% | 30 days | ✕ | ✕ |
| USDT | 4.00% | 90 days | ✓ | ✓ |
| USDT | 3.40% | 30 days | ✓ | ✓ |
BTC Fixed Saving Products
| Digital Asset | APY | Lock-up Period | Usable as margin | Redeemable |
| BTC (Exclusive yield boost) | 3.50% | 91 days | ✕ | ✕ |
| BTC | 2.50% | 360 days | ✕ | ✕ |
| BTC | 2.00% | 180 days | ✕ | ✕ |
| BTC | 1.50% | 90 days | ✓ | ✓ |
| BTC | 1.00% | 30 days | ✓ | ✓ |
ETH Fixed Saving Products
| Digital Asset | APY | Lock-up Period | Usable as margin | Redeemable |
| ETH | 2.60% | 360 days | ✕ | ✕ |
| ETH | 2.50% | 180 days | ✕ | ✕ |
| ETH | 2.30% | 90 days | ✕ | ✕ |
Highlights
- Exclusive yield boost: USDT up to 7.50% APY, BTC up to 3.50% APY — first come, first served
- Flexible Lock-Up Periods: Choose from 30 to 360 days, mix and match short and long terms freely
- Margin-Eligible Products: Selected products can be used as trading margin, balancing yield with trading flexibility
- Early Redemption Support: Selected products support early redemption for greater liquidity
FAQ
Q：What are the rules for auto re-subscription?
A：Products that are usable as margin: Funds will re-subscribe to a product with the same term that's also usable as margin. If the original subscription was being used as margin, the new subscription will continue to do so.
Products that aren't usable as margin: Funds will re-subscribe to a product that isn't usable as margin. If there's none available, funds will be subscribed to a product that's usable as margin, but won't be used as margin.
Notes
- Only the principal will be re-subscribed. Earnings will automatically be deposited into your funding account at the end of each term.
- Re-subscribed funds will follow the same margin usage as the previous subscription.
- re-subscription interest is calculated based on the APY at the time of re-subscription.
- Fixed Savings subscriptions with the same product and interest start date are linked. Changing the re-subscription setting on one applies to all of them
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. For the detailed discount, please kindly check How it works
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 support and trust in UMX.
Thank you for your continued support and trust in UMX.
UMX Team
October 14, 2026