Account Protection FundFirst, the Key Points: What This Protection Is
Short on time? These four points cover the essentials. For payout details, the main terms below prevail.
What's Covered
A partner broker going bankrupt; being out of contact for more than 30 days; refusing or delaying withdrawals without cause for more than 15 business days; or misappropriating client funds…
What's Not Covered
Trading losses, personal operating errors, breaches of broker rules, non-partner brokers, fraudulent claims, force majeure.
How Much You Get
The fund is a pool totalling US$100,000, distributed in proportion to your verified loss against the total losses of all eligible users, capped at US$100,000 per claim.
How to Apply
Within 30 calendar days of the date you knew or should have known of the protection event, submit a written claim and supporting documents through Finxius official support.
Purpose of the Fund
The Fund is a dedicated fund established by Finxius to provide compensation to eligible users affected by specified default events of partner brokers. The Fund is a fixed-amount pool, and users share it proportionally based on their losses. It is designed to mitigate the risk of capital loss caused by broker-related reasons.
Eligibility
The Fund applies to users who meet all of the following conditions (hereinafter referred to as "Eligible Users"):
- Have successfully opened a trading account with a partner broker listed on Finxius through the exclusive links or channels provided by the Finxius platform (including but not limited to the official website and mobile application);
- The identity information used when opening the account matches the Finxius account information;
- The account is in normal use and has not violated the broker's user agreement or relevant trading rules.
Scope of Protection
Eligible Users are entitled to apply for compensation from the Fund under the following circumstances:
- Broker Bankruptcy
- The partner broker has entered bankruptcy or liquidation proceedings as ruled by a court or regulatory authority in its place of registration.
- Confirmed by a court or regulatory authority
- Broker Disappearance
- The partner broker ceases operations and cannot be contacted through public channels for more than 30 consecutive calendar days.
- Out of contact for more than 30 calendar days
- Unlawful Refusal of Withdrawals
- The partner broker persistently refuses or delays processing a user's legitimate withdrawal request without reasonable justification, and continues to fail to fulfill the request for more than 15 working days after communication.
- Still unresolved after 15 working days
- Misappropriation of Client Funds
- The partner broker has misappropriated client funds, and such act has been confirmed by a regulatory or judicial authority.
- Confirmed by a regulatory or judicial authority
Exclusions
The following circumstances are not covered by the Fund, and Finxius assumes no compensation liability:
- Trading Losses: Losses caused by market price fluctuations, exchange rate changes, investment decisions, etc.;
- Personal Operational Errors: Losses caused by the user's own operational errors, account information leakage, password loss, etc.;
- Violation of Broker Rules: Account freezing, fund deductions, etc., caused by the user's violation of the partner broker's user agreement, trading rules, or relevant laws and regulations;
- Non-Partner Brokers: Users who independently choose a broker outside Finxius's partner list for account opening and trading;
- Fraudulent Applications: Users providing false information, forged documents, or colluding with third parties to commit fraud;
- Force Majeure: Losses caused by force majeure events such as natural disasters, war, or government actions.
Compensation Mechanism
Fund Total
US$100,000
The Fund is a dedicated pool with a total amount of US$100,000.
Distribution Principle
When a covered event specified in Article 3 occurs, Finxius will aggregate all valid applications and distribute compensation from the Fund pool proportionally based on the ratio of each user's verified withdrawal loss amount to the total loss amount of all Eligible Users.
Your payout = your verified loss × (US$100,000 ÷ total verified losses of all eligible users)
Assume three users A, B and C file claims: A loses US$100,000, B loses US$50,000, C loses US$50,000 — total losses of US$200,000 against a pool of US$100,000.
| USER | VERIFIED LOSS | SHARE OF TOTAL LOSSES | ACTUAL PAYOUT |
|---|---|---|---|
| User A | US$100,000 | 50% | US$50,000 |
| User B | US$50,000 | 25% | US$25,000 |
| User C | US$50,000 | 25% | US$25,000 |
| Total | US$200,000 | 100% | US$100,000 (full pool) |
In this example, A's payout = US$100,000 × (US$100,000 ÷ US$200,000) = US$50,000; B and C each receive US$50,000 × (US$100,000 ÷ US$200,000) = US$25,000.
Payout Cap
For any single protection event, the maximum payout to an eligible user does not exceed US$100,000, nor the remaining balance available in the pool. Any amount left after payouts remains available for later events.
Payout Currency
Payouts are calculated in US dollars; disbursement may be made in another freely convertible currency designated by the user, converted at the public market rate designated by Finxius on the disbursement date.
Payout Method
Approved payouts are sent directly to the bank account or compliant payment channel linked to the user's Finxius profile.
Application & Review Process
-
Submit a Claim
File a written claim and supporting documents through Finxius official support.
Within 30 calendar days of the event -
Document Review
Once complete documents are received, a preliminary review is completed and you are told whether further material is needed.
Within 15 business days -
Decision
The outcome is notified in writing: if approved, you are told the payout amount and timing; if declined, the reason is given.
Written notice -
Payout
Compensation is paid into the account you designate.
Within 30 business days of approval
Documents Required at Application
Your Finxius account information and your partner broker account information;
Records of your withdrawal request and evidence that the broker refused, delayed or could not process it;
Any other supporting documents reasonably requested by Finxius.
Fund Size & Adjustments
- The initial amount of the Fund is set by Finxius based on business scale and may be supplemented based on actual conditions.
- Finxius has the right to adjust the Fund amount based on factors such as business development and risk assessment. The adjusted amount will be published through official channels.
Other Terms
- Not insurance
- This fund is a user-protection measure voluntarily established by Finxius and does not constitute an insurance product under the laws of any jurisdiction.
- No waiver of rights
- After a user receives compensation from this fund, Finxius is subrogated, up to the amount paid, to the user's right to recover from the relevant broker, and the user shall provide the necessary assistance.
- Publication and updates
- Finxius may amend these terms in response to changes in laws and regulations or business needs; amended terms will be published on official channels. Continued use of Finxius services after publication constitutes acceptance of the amended terms.
- Dispute resolution
- The interpretation, validity and dispute resolution of this program are governed by the applicable law and dispute-resolution method set out in the Finxius user agreement.
- Final interpretation
- Finxius holds the final right of interpretation of this program.
Contact Us
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Support Email
Claims, supplementary documents and progress enquiries are all handled through official support.
support@finxius.cc -
Official Website
Fund size adjustments and terms updates are published on this site.
finxius.cc -
In-App Enquiry
Open the Finxius App → tap "Ask a Question" in the bottom bar → contact official support.
Contact support