XT.COM exchange profile: trading costs, custody evidence and access restrictions

The guaranteed-stop notice is internally inconsistent about when its fee is charged: one section says each enablement, while the FAQ says only actual trigger and execution. It calculates the fee from executed quantity, execution price and the applicable rate. Resolve the live confirmation’s charge and cancellation treatment before relying on that feature.[27]

The tariff notice combines main/sub-account assets and volume and excludes unrealised position P&L from asset statistics. Its XT-payment column represents a 25% spot-fee discount. At the VIP 0 standard rate, a 1,000 USDT spot execution costs 2 USDT before spread, with the discounted equivalent 1.50 USDT when its conditions apply.[7]

The current fee portal updates VIP status at 11:00 UTC+8 daily and requires login for the account’s exclusive tariff. Its dynamic rate rows did not render in the inspected public extract.[6]

USDT/USDC has a separate 0% maker/taker spot benefit launched on 22 September 2026. The notice explicitly says this continues beyond the associated rewards campaign ending 22 October at 10:00 UTC, unless subsequently adjusted. The campaign distributes futures fee-rebate vouchers; those are not an unconditional cash payment or zero charges on other markets.[8]

Perpetual funding is separate from trade commission. The general guide gives 00:00, 08:00 and 16:00 UTC settlement and charges only positions held at settlement; inspect the contract’s live interval and funding field for changes. Position value multiplied by the applicable rate gives the payment: 10,000 USDT at 0.01% is 1 USDT, paid by longs when the rate is positive.[28]

Loan interest accrues hourly, rounding partial hours up. Fixed-loan early repayment can incur remaining-term penalty interest; overdue debt accrues at three times the hourly rate, with liquidation after seven overdue days or earlier at the specified LTV trigger. These borrowing costs sit outside the trading-fee table.[32]

The withdrawal-category table coexists with the C2C guide’s statement that all users must complete KYC for XT products and services. Treat that tension as a reason to verify the account’s current admission requirements; the unverified ceiling is not a promise of unrestricted trading without identity verification.[14]

The user agreement prohibits users in the United States, Canada, mainland China, Cuba, North Korea, Singapore, Sudan, Venezuela and Crimea, with a non-exhaustive list subject to change. It permits account termination and position closure after misrepresentation of residence. Legal contracting capacity and valid identity information are required.[4]

The AML policy describes identity and beneficial-owner checks, ongoing source-of-funds monitoring and at least five years of records. It is expressly informational rather than a binding service promise. A previously completed check therefore does not establish immunity from later document requests or account review.[5]

The inspected tariff and account documents did not establish an inactivity charge or automatic dormant-account timer. Voluntary deletion and a risk-control freeze should not be described as the same status.[6]

Keep the UID, order/transaction IDs, dates, amounts and supporting records in a complaint. The user agreement contains a direct-loss liability cap tied to three months of transaction fees. An external adjudicator, fixed final-response deadline and precise governing-law forum were not established in the inspected agreement; enforceability is a separate question.[4]

India’s FIU announced non-compliance and app/URL takedown notices against XT.COM on 9 September 2026; later clearance was not established.[39]

The January 2026 agreement names XT.COM generically without identifying the exact contracting company. This prevents assigning a precise global operator or transferring a registration across products.[4]

CoinGecko’s XT.COM page inspected on 20 October 2026 reported approximately US$1.16bn in rolling 24-hour exchange volume. This is a data-provider snapshot of reported trading, not independently audited turnover, a liquidity guarantee or a measure of unique customers.[3]

The company’s About page is internally inconsistent: its prose states over 7.8 million registered users, while a separate counter displays over 12 million; it also claims more than one million monthly active users. The figures lack a clear measurement date and reconciliation. They indicate company-reported scale, but are not combined or presented as verified current customer counts.[2]

Operator

XT.COM; exact current contracting legal entity not clearly specified in the inspected agreement

Exchange model

Centralised

Service scope

Spot/margin, perpetual and dated contracts, copying and bots, with separate Earn and collateral-loan conditions.

Client types

Retail clients; Institutional clients

Pricing publication

Public and quoted pricing

Pricing scope

Published 2026 VIP notice and separate USDT/USDC zero-fee terms; live account tariff, funding, borrowing and network charges remain relevant.

Funding scope

Supported crypto networks, free internal transfers, KYC-gated card USDT purchases and counterparty-priced P2P.

Custody and asset handling

Centralised custody and company Merkle-reserve disclosure; derivatives loss fund differs from personal insurance, and loan collateral may be deployed.

Client eligibility

Territorial prohibitions and identity checks apply; Canada and Singapore have documented access restrictions.

Support

Official email, help/ticket and chat channels; recovery review and security holds differ from irreversible deletion.

Authorisation and registration scope

No global authorisation inferred. Current agreement does not clearly allocate the exact contracting company; named territorial restrictions are detailed in the body.

Exchange metadata checked 20 Oct 2026Source 1Source 4Source 9Source 7Source 8Source 14Source 32Source 30