What are Sub-accounts?

The Sub-accounts feature allows the Crypto.com Exchange users to set up multiple Sub-accounts under their existing primary account (“Master Account”). It enables users to better manage their trading risks by implementing different strategies in each Sub-account.

Each Sub-account shows its own balances, margin, and positions, and users can use each Sub-account for transactions they wish to group together under that Sub-Account. Profit and loss are shown separately within each Sub-account.

At this moment, you can only access underlying Sub-accounts through your Master Account, and the associated Master Account password and log in. The following table summarizes the key specifications of the Sub-accounts feature.

Terms

Retail

Institutional

Max No. of Sub-accounts

20

100

KYC Verification

Sub-accounts inherit the Master Account’s KYC verification tier

Sub-accounts inherit the Master Account’s KYC verification tier

Trading Support

  • Spot Trading (Sub-accounts have access to Spot Trading by default)

  • Margin Trading (If enabled)

  • Derivative Trading (If enabled and permitted without geo-restriction)

  • Spot Trading (Sub-accounts have access to Spot Trading by default)

  • Margin Trading (If enabled)

  • Derivative Trading (If enabled and permitted without geo-restriction)

Trading Volume

All Sub-account spot trading volumes are calculated towards Master Account total spot trading volumes.

All Sub-account derivatives trading volumes are calculated towards Master Account total derivatives trading volumes.

All Sub-account spot trading volumes are calculated towards Master Account total spot trading volumes.

All Sub-account derivatives trading volumes are calculated towards Master Account total derivatives trading volumes.

Trading Fee Rebate & Discounts

Sub-accounts inherit the same trading fee tier as the Master Account. Trading fee rebates and discounts are calculated per account and paid to individual accounts respectively (i.e. Master Account, Sub-accounts).

Sub-accounts inherit the same trading fee tier as the Master Account. Trading fee rebates and discounts are calculated per account and paid to individual accounts respectively (i.e. Master Account, Sub-accounts).

Margin Trading Interest

Sub-accounts inherit the same interest rate tier as the Master Account.

Sub-accounts inherit the same interest rate tier as the Master Account.

API Keys Support

Each Sub-account has an API hard limit of 10 calls per URL per second (same as our current API hard limit when no Sub-accounts have been activated)

  • For user APIs, the limit count will be performed per Sub-account account.

  • For market APIs, the limit count will still be performed per IP address

Each Sub-account can have API keys associated with the specific Sub-account based on either of the following configurations:

  • Read Only

  • Enable Spot & Margin Trading

  • Enable Derivative Trading (if permitted with no geo-restrictions)

Each Sub-account has an API hard limit of 10 calls per URL per second (same as our current API hard limit when no Sub-accounts have been activated)

  • For user APIs, the limit count will be performed per Sub-account account.

  • For market APIs, the limit count will still be performed per IP address

Each Sub-account can have API keys associated with the specific Sub-account based on either of the following configurations:

  • Read Only

  • Enable Spot & Margin Trading

  • Enable Derivative Trading (if permitted with no geo-restrictions)

Transfers

Transfers between Master Account Wallet and Sub-account Wallets are permitted.

Transfers between wallets associated with a specific Sub-account are also permitted.

Transfers between Master Account Wallet and Sub-account Wallets are permitted.

Transfers between wallets associated with a specific Sub-account are also permitted.

On-Chain Transactions

All on-chain deposits and withdrawals must be via your Master Account Spot Wallet.

All on-chain deposits and withdrawals must be via your Master Account Spot Wallet.

Off-Chain Transactions

Transfers to and from the Crypto.com App must be via your Master Account Spot Wallet.

Not applicable

Use by Third Parties

Sub-accounts are only for your benefit alone. It should not be used by third parties.

You may grant certain Authorised Persons access to your account on your behalf. You remain responsible for all actions for Authorized Persons.

Segregation of Liabilities

The Master Account and all Sub-Accounts are still part of the same account you have with us. This means that provisions of our Agreement relating to liability and set-off apply across the Master Account and all Sub-Accounts. For example, if a margin top-up obligation in respect of a Sub-Account is not met, then we may have rights against any other assets, even if they are allocated to a different Sub-Account.

The Master Account and all Sub-Accounts are still part of the same account you have with us. This means that provisions of our Agreement relating to liability and set-off apply across the Master Account and all Sub-Accounts. For example, if a margin top-up obligation in respect of a Sub-Account is not met, then we may have rights against any other assets, even if they are allocated to a different Sub-Account.

What can a Sub-account do?

A Master Account has access to the full features of the Crypto.com Exchange and is subject to the terms and jurisdiction requirements of each feature. For the underlying Sub-accounts, features may be more limited. This section describes the key functionalities and settings associated with Sub-accounts.

If any of the following events occur, then there is an immediate change to all associated Sub-accounts linked to that Master Account:

  • Master Account KYC level is downgraded

  • Master Account is ineligible for certain features

  • Master Account is closed down permanently

For example, if a Master Account is ineligible for Margin Trading, then its underlying Sub-accounts will not be able to access that feature.

Refer to the tables below for more information regarding functionality a Sub-account could do.

Trading Features

Feature

Sub-account

Spot Trading

✔ (By default)

Margin Trading

✔ (If enabled)

Derivatives Trading

✔ (If enabled and permitted with no geo-restrictions)

✔ (Up to 20x Maximum Account Leverage)

Transfers Between Accounts

✔(To Master Account Spot Wallet only)

Order Management

Trading Fee Rebate

✔ (If Master Account enables CRO for trading fee payment)

Non-Trading Features

Account Settings

Feature

Sub-account

2FA Configuration

Inherited from Master Account

(With per-Authorized Person differentiation where applicable)

Anti-phishing Code

Inherited from Master Account

(With per-Authorized Person differentiation where applicable)

API Keys

Each Sub-account has an API hard limit of 10 calls per URL per second (same as the API hard limit for a standard account when no Sub-accounts have been activated).

  • For user APIs, the limit count will be performed per Sub-account.

  • For market APIs, the limit count will be performed per IP address.

Each Sub-account can have API keys associated with the specific Sub-account based on either of the following configurations:

  • Read Only

  • Enable Spot, Margin, and Derivative Trading

KYC and Verification Level

Inherit Master Account

Sub-account Management

Account Management

On the User Centre > Sub-accounts > Account Management page, you can create and update Sub-accounts.

Create Sub-account

To create a Sub-account:

  1. Go to User Centre > Sub-accounts > Account Management

  2. Tap Create Sub-account

  3. On Create Sub-account pop up

    • Provide input for Account Label

    • Configure Sub-account access for Spot Trading, Margin Trading, and Derivatives Trading

  4. Tap Review to land on Review Your Sub-account section

  5. Review your Sub-account details

  6. Tap Confirm

Kindly note 2FA set-up is required before you could create a Sub-account. Once the Sub-account creation is successful, you will land back on the User Centre > Sub-accounts > Account Management page, and you will be able to see the newly created Sub-account.

To enable Derivative Trading when creating a new sub-account, below 2 conditions must be satisfied:

  • Maximum Account leverage of the Master Account Derivative Wallet must be set to no greater than 20x

  • There must be no open positions with leverage greater than 20x on the Master Account Derivative Wallet

Below are some of the key details regarding the Sub-account features and limits. See “What can a Sub-account do?” for further details. Please note that each and every Sub-account opened and operated must be for you. No other person, except Authorised Persons of Institutional Users, are permitted to use your Sub-accounts.

Details

Retail User

Institutional User

Eligibility

Max 20 creations per day

Max 100 creations per day

Max No. of Sub-accounts

20

100

Maximum Account Leverage for each Sub-account (Derivatives Trading Wallet)

20x

20x

Account Label

Required and unique

Required and unique

Access Configuration

  • Spot Trading

  • Margin Trading

Required

Spot Trading enabled by default

Required

Spot Trading enabled by default

Access Configuration

  • Derivative Trading Wallet

  • Maximum Account leverage of the Master Account Derivative Wallet must be set to no greater than 20x

  • There must be no open positions with leverage greater than 20x on the Master Account Derivative Wallet

  • Maximum Account leverage of the Master Account Derivative Wallet must be set to no greater than 20x

  • There must be no open positions with leverage greater than 20x on the Master Account Derivative Wallet

Log In via Master Account

Note: We also do not monitor any account labels for consistency with trading strategies or outcomes, nor do we control any Sub-account according to any label. For example, if you label a Sub-account as “Low risk” we do not apply any limits on that account to keep it to a lower risk profile. That remains your responsibility. However, we may investigate and/or require you to change an account label if we believe it may suggest conduct that is unlawful or in breach of our Agreement or policies.

Update Sub-account

To update a Sub-account:

  1. Go to User Centre > Sub-accounts > Account Management

  2. Tap More Actions to view the action dropdown

  3. Select Configure Account

  4. On Sub-account Details pop up

    • Update input for Account Label, and/or

    • Update Sub-account access for Spot Trading, Margin Trading, and Derivatives Trading

  5. Tap Review to land on the Update Confirmation section

  6. Review your updated Sub-account details

  7. Tap Confirm

Once the Sub-account update is successful, you will land back on the User Centre > Sub-accounts > Account Management page and you will see that the Sub-account is updated.

To enable Derivative Trading when configuring an existing sub-account, below 2 conditions must be satisfied:

  • Maximum Account leverage of the Master Account Derivative Wallet must be set to no greater than 20x

  • There must be no open positions with leverage greater than 20x on the Master Account Derivative Wallet

Suspend Sub-account

You can temporarily suspend your Sub-account(s) whenever needed. The suspension is reversible.

Kindly note that any open orders will be closed and open positions under the suspended Sub-account will be liquidated as a result of Sub-account suspension. We strongly recommend you close down open positions yourself before suspending the Sub-account.

To suspend a Sub-account:

  1. Go to User Centre > Sub-accounts > Account Management

  2. Tap More Actions to view the action dropdown

  3. Select Suspend Account

  4. On Important Notice pop up, read the notice carefully

  5. Tap Continue to acknowledge the important notice and land on Suspend Sub-account section

  6. Review your Sub-account details

  7. Tap Suspend Account to confirm the suspension

Once a Sub-account is suspended, account access including the API key will be revoked temporarily.

Reactivate Sub-account

You can reactivate your suspended Sub-account(s) whenever needed.

To reactivate a Sub-account:

  1. Go to User Centre > Sub-accounts > Account Management

  2. Tap More Actions to view the action dropdown

  3. Select Reactivate Account

  4. Review your Sub-account details

  5. Tap Reactivate Account to confirm the reactivation

Once a Sub-account is reactivated, account access will resume including API keys.

Terminate Sub-account

You can permanently terminate your Sub-account(s) whenever needed. The termination is irreversible.

Kindly note that any open orders will be closed and open positions under the suspended Sub-account will be liquidated as a result of Sub-account termination. All remaining proceeds will be transferred back to the Master Account Spot Wallet. We strongly recommend you close down open positions and transfer the remaining proceeds yourself before terminating the Sub-account.

To terminate a Sub-account:

  1. Go to User Centre > Sub-accounts > Account Management

  2. Tap More Actions to view the action dropdown

  3. Select Terminate Account

  4. On Important Notice pop up, read the notice carefully

  5. Tap Continue to acknowledge the important notice and land on the Terminate Sub-account section

  6. Review your Sub-account details

  7. Tap Terminate Account to confirm the termination

Once a Sub-account is terminated, account access including API key access will be revoked permanently. If you close down your Master Account, all Sub-accounts will also be automatically terminated.

If you are having issues terminating any of your Sub-account(s), please reach out to our Customer Service at [email protected]. We generally require seven days’ notice to terminate any Sub-account.

Switch Account View

To switch account view between Sub-accounts and Master Account:

  1. Tap the profile avatar

  2. Tap Switch Account

  3. On Switch Account pop up, select the account you would like to switch your account view to

API Management

On the User Centre > Sub-accounts > API Management page, you can view and manage all API keys that are created by your underlying Sub-accounts. You can update or delete the API keys on your Sub-account behalf and any changes will become immediately effective after confirmation.

Funds Management

On the User Centre > Sub-accounts > Funds Management page, you can view and manage all Spot and Margin Wallets of your underlying Sub-accounts. Transfers between Master Account Spot Wallet and Sub-account Spot Wallets are supported.

Sub-account Wallets

To view a Spot Wallet of your underlying Sub-account:

  1. Go to User Centre > Sub-accounts > Funds Management > Spot Wallet

  2. Tap View Wallet to view the Spot Wallet of the corresponding Sub-account

To view a Margin Wallet of your underlying Sub-account:

  1. Go to User Centre > Sub-accounts > Funds Management > Margin Wallet

  2. Tap View Wallet to view the Margin Wallet of the corresponding Sub-account

To view a Derivatives Wallet of your underlying Sub-account:

  1. Go to User Centre > Sub-accounts > Funds Management > Derivatives Wallet

  2. Tap View Wallet to view the Derivatives Wallet of the corresponding Sub-account

Transfers

Currently, only transfers between Master Account Spot Wallet and Sub-account Spot Wallet are supported. On the User Centre > Sub-accounts > Funds Management > Spot Wallet page:

  1. Tap Transfer

  2. Tap ↑↓ to change transfer direction if needed

  3. Select Coin

  4. Input Amount or tap Transfer All

  5. Tap Review Transfer

  6. On Transfer Confirmation, review the transfer details

  7. Provide 2FA code and tap Confirm Transfer to proceed

Note: In a Sub-account view, the Sub-account Spot Wallet can only make transfers back to the Master Account Spot Wallet or to the Sub-account Margin Wallet.

Transfer History

On the User Centre > Sub-accounts > Transfer History page, you can find the details of all transfers from/to the Master Account Wallets.

Order Management

On the User Centre > Sub-accounts > Order Management page, you can view and manage all orders created by your underlying Sub-accounts and also orders that are still open. You can also cancel open orders in a Sub-account through the Master Account.

This feature is yet to be offered for viewing subaccount Order Management details for the Derivative Wallet. Users can review their Order Management details on the account level:

Dashboard (Master or Sub-account concerned) > Order > Spot / Margin / Derivative (wallet concerned) > Order History

Sub-account Trading Fee, Rebate & Interest

Trading Fee, Rebate & Discounts

All Sub-account spot trading volumes are calculated towards Master Account overall spot trading volumes.

Overall Spot Trading volume

= ∑(spot trading volume | Master Account) + ∑(spot trading volume | Sub-account)

∑(spot trading volume | Master Account)

= ∑(spot & margin | Master Account)

∑(spot trading volume | Sub-account)

= ∑(spot & margin | Sub-account)

This overall spot trading volume will be used to determine the spot and margin trading fee tier of the Master Account. Each Sub-accounts will inherit the same fee tier as the Master Account.

If Master Account has enabled the configuration to pay the trading fee with the available CRO balance, this will also apply to the underlying Sub-accounts. Trading fee rebates are calculated per account and paid to individual accounts respectively (i.e. Master Account, Sub-accounts).

Refer here for more details about trading fees and rebates on the Crypto.com Exchange Spot and Margin Trading.

Overall Derivatives Trading volume

= ∑(derivatives trading volume | Master Account) + ∑(derivatives trading volume | Sub-account)

∑(derivatives trading volume | Master Account)

= ∑(derivatives | Master)

∑(derivatives trading volume | Sub-account)

= ∑(derivatives | Sub-account)

This overall derivatives trading volume will be used to determine the derivatives trading fee tier of the Master Account. Each Sub-accounts will inherit the same fee tier as the Master Account.

If Master Account has enabled the configuration to pay the trading fee with the available CRO balance, this will also apply to the underlying Sub-accounts. Trading fee rebates are calculated per account and paid to individual accounts respectively (i.e. Master Account, Sub-accounts).

Refer here for more details about trading fees and rebates on the Crypto.com Exchange Derivatives Trading.

Soft Staking Interest

If a Master Account is eligible for Soft Staking and it is enabled, then the underlying Sub-accounts will also be eligible for the Soft Staking interest. Soft Staking interests are calculated per account and paid to individual accounts respectively (i.e. Master Account, Sub-accounts).

Refer here for more details about the Soft Staking feature on the Crypto.com Exchange.

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