XBTFX: Pro and Standard accounts, crypto wallets and execution tools

XBTFX offers international forex and CFD accounts through an Antigua and Barbuda company. Its current public range centres on Pro and Standard accounts, with both MetaTrader 5 and Mega1. The site excludes, among others, the United States, Québec, Belgium, Russia, Belarus and several sanctioned jurisdictions, and says it does not target EU/EEA residents. This profile covers the English-language offer checked on 20 October 2026.[1]

Both account types can be held under one client profile, but an existing account cannot be converted from one type to the other. MT5 starts at 0.01 lots. Published account currencies are USD, EUR, USDT, BTC, ETH, XRP, SOL, LTC, ZEC and XAU. Eligible Islamic accounts use MT5 and USDT; their conditions differ from ordinary Standard pricing.[2]

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The trading-conditions page’s live instrument grid did not populate during inspection. Reliable current EUR/USD, USD/JPY, GBP/USD, gold and oil spreads, swap figures and contract limits could not be extracted from that grid. Its point-based spread labels should not be silently converted into pips.[4]

The agreement reserves USD 50 monthly after three consecutive inactive months and a further USD 100 annual administration charge after twelve months. Waivers are discretionary; the activity-reset test and reactivation procedure are not defined clearly.[13]

For the published USD 1.5 million EUR/USD exposure example, margin is USD 500 on the first USD 500,000 plus USD 2,000 on the next million: USD 2,500 overall. This is an illustration, not a quoted trade. Other instruments have separate bands: the initial published ceilings are 1:200 for gold, 1:50 for BTC/USD and 1:200 for SPX/USD.[5]

The execution description says opposing client flow can be netted and residual exposure routed to liquidity providers. Market fills use available depth and volume-weighted pricing. Stops are not guaranteed; positive or negative slippage is possible. Pending orders are stored server-side, but complete expiry and minimum-distance rules remain symbol-specific.[6]

Margin call is advertised at 80%, with stopout at 50%. The largest losing positions are closed until the ratio recovers; market gaps can bypass the warning. A fill report can be requested. These published rules do not constitute independently measured execution performance.[6]

The conditions page schedules an MT5 restart at 21:15 GMT daily and 20:00 GMT on Sunday, potentially lasting ten minutes. Bridge maintenance is listed at 21:06 GMT and Sunday 20:00 GMT. Such windows can interrupt management even when an underlying market is trading.[4]

The general payment table also advertises SWIFT, SEPA and e-wallet withdrawals. The current portal guide is narrower: withdrawals leave the wallet as crypto, or through SEPA only for EUR originally deposited by bank wire. Other EUR must leave as crypto. Those inconsistent scopes need account-specific confirmation before funding; a deposit method is not proof of the same withdrawal route.[9][10]

Transfer money back from the trading account to the wallet before withdrawing. The guide allows a fiat wallet balance to be paid out in crypto; conversion and fees are applied at processing. SEPA goes to the verified bank account, with support required to change the destination. The guide estimates 1–3 business days before any additional receiving-bank delay.[10]

Wallet conversion is internal and immediate, with no blockchain transfer. The quote refreshes, and the final rate is applied on conversion; its separate fee is charged in the asset received. Reversing a conversion incurs a fresh fee and exchange-rate exposure. A subsequent internal transfer is still needed to fund the trading account.[11]

The agreement permits discretionary bonuses subject to offer-specific trading requirements. A complete current credit-removal schedule was not established; credit is not freely withdrawable cash.[13]

The legal page names XBTFX LLC, Antigua and Barbuda registration ILLC001, as the account provider. It says financial-services authorisation is not required there for this activity. This is the company’s legal position, not an independently matched financial licence. The currently linked route does not establish that an account receives protections associated with an older Seychelles entity.[12]

XBTFX describes separate company/client cold wallets, more than 85% of funds in cold storage or segregated liquidity-provider accounts, and weekly reconciliation. These are operational claims. No current insurance certificate, per-client insured cap, shared policy limit or statutory compensation entitlement was identified in the inspected protection material.[14]

Contractual negative-balance relief is discretionary, normally limited to normal markets and assessed across a client’s accounts. Gaps, illiquidity and other exceptions can leave a debt. The agreement also permits collateral reuse and setoff; segregation language should be read alongside those rights.[13]

A portal login is followed by identity and address verification before the relevant service permissions are unlocked. The published workflow uses Sumsub and requests original identity material and a camera-based check. No account was opened for this research.[16]

For an outage, the published phone and helpdesk provide contact routes, but no separately authorised telephone-dealing process or rule for an order whose acknowledgement is missing was established. Contact availability should not be assumed to guarantee execution or cancellation.[17]

Login supports passwords, passkeys and Google/Apple identities. Authenticator backup codes can replace an unavailable six-digit code; password reset uses an email code. If the registered email is inaccessible, the guide directs the client to support rather than a duplicate account. It does not specify a withdrawal cooling-off period after recovery.[15]

Withdrawal-address whitelisting is optional and off by default. Saved addresses require security confirmation; enabling “approved addresses only” limits valid destinations to that list. Wallet History includes CSV export, dates, fees, statuses and transaction references.[10]

PAMM records show units, unit value, fees and rollovers; investment statements remain available after leaving. These records are distinct from a jurisdiction-specific tax certificate, which was not established.[21]

Formal complaints use the agreement’s Complaint Form after initial support contact. It provides updates within 30 business days and aims for resolution within 40; an independently verified external ombudsman route was not established.[13]

PAMM withdrawal requests settle at a rollover and can be cancelled only before the freeze. Withdrawing all units leaves an empty investment; leaving is a separate action. An invested exit requests full withdrawal at the next rollover, while a zero-unit investment can be left immediately.[20]

Developer documentation binds an XBTFX Trading API key to one MT5 account, with read/trade permissions visible through the authentication status endpoint. Keys can be revoked and rotated. The inspected material does not establish that revocation closes positions or cancels outstanding orders. This interface must not be confused with Mega1’s native API.[22][23]

The AI integration page advertises REST/WebSocket and MCP access capable of placing and managing orders, not merely supplying commentary. Mega1’s page says it is not an inbuilt AI strategy builder: external software supplies the strategy. The marketing and developer pages describe different integration routes, so platform compatibility and granted trading permissions must be matched explicitly.[24][8]

The site identifies CLEARAY LTD, Cyprus registration HE462275, as a payment processor. That role is separate from the Antigua account counterparty. The legal page gives XBTFX LLC’s address as Hodges Bay, PO Box 1348, St John’s, Antigua.[12]

The currently linked agreement carries a 15 May 2023 update date and 2025 copyright.[13]

The current registration guide says accounts from the previous portal were carried over with balances, trading accounts and verification status intact, but passwords were not. Existing clients activate the migrated profile using their original email and create a new portal password. The guide does not establish a transfer of legal counterparty or regulatory protection.[15]