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Last updated: February 11, 2026
Matrixport is a Singapore-headquartered crypto financial services platform founded in 2019 by Jihan Wu, the co-founder of Bitmain. With over $10 billion in assets under management and custody, Matrixport offers structured investment products, fixed income accounts, crypto-backed loans, OTC trading, and real-world asset (RWA) tokenization through its subsidiary Matrixdock. The platform holds licenses in Singapore (MAS MPI), Hong Kong (TCSP and Money Lender), Switzerland (FINMA), and is registered as an MSB in the United States.
This comprehensive Matrixport review for 2026 covers every product, fee structure, security measure, and regulatory detail you need to make an informed decision about whether this platform fits your crypto investment strategy.
Our Rating: 4.0/5
| Category | Score | Notes |
|---|---|---|
| Fees | 4.8 / 5 | Zero spot trading fees; low loan rates starting at 1.38% |
| Security | 4.7 / 5 | Cactus Custody, multi-sig, cold storage, multi-jurisdictional licensing |
| Ease of Use | 4.0 / 5 | Clean mobile app (4.2 stars); no desktop application |
| Crypto Selection | 3.0 / 5 | Limited to 16-20 assets; focused on major coins only |
| Staking/Rewards | 4.5 / 5 | 4 structured products, fixed income, ETH staking, RWA tokens |
| Customer Support | 3.5 / 5 | Multiple channels but variable response times reported |
Matrixport at a Glance
| Feature | Details |
|---|---|
| Founded | February 2019 |
| Founder | Jihan Wu (co-founder of Bitmain) |
| Headquarters | Singapore |
| Assets Under Management/Custody | $10 billion+ |
| Institutional Clients | 300+ |
| Supported Cryptocurrencies | 16+ (BTC, ETH, SOL, BNB, BCH, LTC, USDT, USDC, and others) |
| Supported Fiat Currencies | 32+ (USD, EUR, GBP, JPY, AUD, CAD, CHF, and more) |
| Spot Trading Fees | 0% (zero commission) |
| Mobile App | iOS and Android (4.2/5 star rating) |
| Desktop App | No (mobile and web only) |
| Regulatory Licenses | MAS (Singapore), TCSP + ML (Hong Kong), FINMA (Switzerland), MSB (USA) |
| Custody Solution | Cactus Custody (institutional-grade, cold storage) |
| KYC Required | Yes (Level 2 for full access) |
| US Users Allowed | No |
Matrixport Pros and Cons
| Pros | Cons |
|---|---|
| Zero spot trading fees | US residents are not supported |
| Four structured investment products (Dual Currency, Snowball, SharkFin, Smart Trend) | No desktop application available |
| Institutional-grade Cactus Custody security | Limited number of supported cryptocurrencies compared to major exchanges |
| Licensed in multiple jurisdictions (Singapore, Hong Kong, Switzerland, USA) | Structured products carry non-principal-protected risk |
| Interest-free first crypto loan | Loan terms can be complex for beginners |
| RWA tokenization through Matrixdock (XAUm gold token) | Some high APY rates only available for short lock-up periods |
| OTC desk handling up to $50 million daily | Centralized custody model (not self-custody) |
| ETH staking with multiple validator options | Customer support response times vary |
Who Is Behind Matrixport?
Matrixport was founded by Jihan Wu, one of the most influential figures in cryptocurrency history. Wu co-founded Bitmain in 2013, the company responsible for manufacturing the majority of Bitcoin mining hardware worldwide. After departing Bitmain, Wu established Matrixport in February 2019 with the vision of building a conservative asset management firm focused on margin of safety rather than aggressive profit chasing.
The Bitmain connection is significant because it gave Matrixport immediate credibility within the mining community. Many of Matrixport's earliest institutional clients were large-scale crypto miners who needed lending, OTC, and custody services. This mining-industry origin explains why Matrixport's loan products are particularly well-suited for mining operations, with features like BTC collateral loans for purchasing mining equipment and paying electricity bills.
Matrixport has raised substantial venture capital and was recognized by CB Insights as one of the 50 Most Promising Blockchain Companies. It appeared on the Hurun 2024 Global Unicorn List and was designated a Fintech Unicorn in Singapore in 2025. The company employs over 300 professionals globally.
Matrixport Structured Investment Products
Matrixport's structured investment products are the platform's standout feature and the primary reason most users choose it over traditional crypto exchanges. The platform offers four distinct structured products, each designed for different market outlooks and risk tolerances. All four products have no subscription window, meaning users can invest at any time rather than waiting for a specific enrollment period.
Dual Currency
Dual Currency is Matrixport's most popular structured product and the one the platform pioneered in the crypto industry. It is a non-principal-protected product that links two cryptocurrencies together over a fixed investment period. The return rate is locked at the time of purchase, but the settlement currency depends on price movement relative to a linked price.
Dual Currency comes in two directions: "sell high" and "buy low." Choosing "sell high" is equivalent to selling a call option, making it suitable for users who want to take profits if the price rises above a target. Choosing "buy low" functions like a put option, ideal for users who want to accumulate an asset at a lower price. Currently, Dual Currency supports 12 digital assets including BTC, ETH, ARB, BCH, BNB, ORDI, OP, and SOL, with investment periods ranging from 0.1 to 287 days.
Snowball
Snowball is a medium-to-high risk structured product designed for investors with a clear market directional view. Matrixport's Snowball products are American-style options that can be exercised on any date after purchase. Each Snowball has a "knock-in" price (lower barrier) and a "knock-out" price (upper barrier). As long as the underlying asset price stays between these two barriers, the investor's returns accumulate like a snowball rolling downhill.
Available Snowball products include USDT bullish, BTC bullish, BTC bearish, ETH bullish, and ETH bearish variants. This variety allows investors to express both bullish and bearish views while earning structured returns.
SharkFin
SharkFin is a principal-protected structured product that provides a guaranteed base annualized return plus the potential for enhanced returns during market volatility. The product uses a knock-out option structure where returns increase as the price moves within a defined range, but a barrier caps the maximum gain if the price moves too far in one direction.
SharkFin is one of the more conservative structured products on Matrixport, making it suitable for users who want downside protection while still participating in potential upside. Investment durations range from 7 to 90 days, and the product supports multiple cryptocurrencies.
Smart Trend
Smart Trend is another principal-protected structured product that offers a base annualized return with the possibility of higher returns based on market direction. Like SharkFin, Smart Trend provides a safety cushion through its base return, making it appropriate for newer investors who want exposure to crypto-structured products without full principal risk.
Both SharkFin and Smart Trend were upgraded in mid-2024 with improved terms and no subscription windows, allowing continuous investment access.
| Product | Risk Level | Principal Protection | Best For | Duration | Supported Assets |
|---|---|---|---|---|---|
| Dual Currency | Medium-High | No | Profit-taking, bottom-fishing, accumulation | 0.1 to 287 days | 12+ assets (BTC, ETH, ARB, BCH, BNB, ORDI, OP, SOL) |
| Snowball | Medium-High | No | Directional bets with range-bound accumulation | Variable | BTC, ETH, USDT |
| SharkFin | Low-Medium | Yes (base return guaranteed) | Conservative investors seeking upside exposure | 7 to 90 days | Multiple |
| Smart Trend | Low-Medium | Yes (base return guaranteed) | New users exploring structured products | 7 to 90 days | Multiple |
Fixed Income and Flexible Savings
Beyond structured products, Matrixport offers straightforward yield-earning accounts through Fixed Income and Flexible Savings products.
Flexible Savings
Flexible Savings functions like a high-yield savings account for crypto. Users deposit supported cryptocurrencies and earn interest calculated on an hourly compounding basis with no minimum investment. Deposits and withdrawals are available at any time, providing full liquidity. Matrixport's Flexible Savings currently supports 16 cryptocurrencies including BTC, ETH, USDT, and USDC. The annualized return for USDT Flexible Savings has historically been around 3-4% APY, though rates fluctuate with market conditions.
Fixed Income
Fixed Income products offer predetermined annualized returns set at the time of purchase. Similar to bank fixed deposits, these lock funds for a specified term in exchange for higher yields than Flexible Savings. Fixed Income supports 14 mainstream digital assets including BTC, ETH, BNB, USDT, and USDC, with investment periods of 7, 30, 45, 60, and 90 days.
Stablecoin Fixed Income products typically offer 6-8% APY for standard terms. Matrixport occasionally releases limited-quantity promotional Fixed Income products with higher rates, such as 30-day USDT products at 20% APY, which tend to sell out quickly.
| Product | Supported Assets | Typical APY (Stablecoins) | Lock Period | Withdrawal |
|---|---|---|---|---|
| Flexible Savings | 16 cryptocurrencies | 3-4% APY | None | Anytime |
| Fixed Income (7-day) | 14 cryptocurrencies | 6% APY | 7 days | At maturity only |
| Fixed Income (30-day) | 14 cryptocurrencies | 6-8% APY | 30 days | At maturity only |
| Fixed Income (90-day) | 14 cryptocurrencies | 7-10% APY | 90 days | At maturity only |
| Fixed Income (240-day) | Select assets | 8-12% APY | 240 days | At maturity only |
Crypto-Backed Loans
Matrixport's lending service allows users to pledge cryptocurrency as collateral and borrow stablecoins (USDT or USDC) instantly, without liquidating their holdings. This is particularly useful for miners, traders, and long-term holders who need liquidity without triggering taxable events.
Standard Collateralized Loans
Standard loans accept BTC as primary collateral (with BCH, ETH, and LTC support expanding). Interest rates vary based on the collateral asset, borrowed currency, loan-to-value (LTV) ratio, and term length. Matrixport offers LTV ratios from 20% to 60%, with lower LTV ratios carrying lower interest rates.
| Loan-to-Value (LTV) | Annual Interest Rate | Term Length | Liquidation Risk |
|---|---|---|---|
| 20% | 1.38% | 30-180 days | Low |
| 30% | 5.51% | 30-180 days | Low-Medium |
| 40% | 7.19% | 30-180 days | Medium |
| 50% | 8.28% | 30-180 days | Medium-High |
| 60% | Varies | Custom | High |
If the value of collateral drops and the LTV rises above the loan limit, Matrixport can liquidate part of the collateral to repay the loan. Users can also deposit additional collateral to reduce their LTV and avoid liquidation.
Zero-Cost Loans
Matrixport's most distinctive lending product is the zero-cost loan, which charges 0% interest for the full loan term. The first loan for new users is always interest-free. Zero-cost loans are available only with BTC collateral and work differently from standard loans. Users select a "take profit" price and a "protection price" at the time of borrowing.
If BTC rises above the take-profit price during the loan term, the Bitcoin is sold, and the user receives their collateral value plus the profit from the price increase. If BTC drops below the protection price, the loan closes and the collateral is forfeited. If BTC stays between both prices, the user simply repays the loan at maturity. This structure eliminates traditional liquidation risk but introduces the possibility of losing collateral if the market drops significantly.
Spot Trading
Matrixport operates a spot exchange where users can trade crypto-to-crypto pairs with zero trading fees. The platform does not charge commissions on spot trades, which sets it apart from most competitors. Users can buy cryptocurrencies using fiat through bank transfers or credit/debit cards in over 32 supported fiat currencies including USD, EUR, GBP, JPY, AUD, and CAD.
The spot exchange supports a limited number of trading pairs (approximately 9-12 pairs), which is significantly fewer than major exchanges like Binance or KuCoin. However, Matrixport's zero-fee model makes it attractive for high-volume traders who want to minimize costs on core pairs like BTC/USDT, ETH/USDT, and SOL/USDT.
OTC Trading
Matrixport's over-the-counter (OTC) desk is one of the platform's strongest institutional offerings. The OTC desk processes up to $50 million in daily trading volume and provides low-cost access to deep liquidity on major cryptocurrencies. OTC trading is designed for institutional clients, high-net-worth individuals, and large miners who need to execute block trades without significant market impact.
The OTC service aggregates liquidity across multiple global trading venues, reducing spreads on large orders. Matrixport claims its OTC desk serves over 300 institutional clients including crypto mining firms, token funds, trading firms, and hedge funds.
ETH Staking
Matrixport offers Ethereum staking through multiple validator partners, simplifying the staking process for users who do not want to manage their own validator nodes. Available staking options include:
- Eigenlayer native Restaking
- Lido ETH staking
- P2P.org native staking
- Paralinker native staking
These on-chain staking products eliminate the need for users to perform complex blockchain operations. Matrixport handles the staking mechanics and converts yields into ETH upon maturity. Advertised ETH staking APY reaches up to 10%, depending on the validator option and market conditions.
Matrixdock: Real World Asset (RWA) Tokenization
Matrixdock is Matrixport Group's dedicated RWA tokenization subsidiary and one of the most significant developments in the platform's recent history. Matrixdock launched Asia's first physical gold-backed token, XAUm, which offers batch-level transparency and DApp integration on Ethereum.
In August 2025, Matrixdock deployed XAUm on the Sui blockchain, marking the first non-EVM chain for the token. The Sui Foundation itself allocated funds to XAUm, lending institutional credibility to the product. Matrixdock completed its second independent audit of XAUm's physical gold reserves in July 2025, demonstrating commitment to transparency.
In June 2025, Matrixdock announced plans to expand beyond gold into tokenized silver, platinum, and palladium. This positions Matrixport Group as one of the few crypto platforms bridging traditional precious metals markets with blockchain technology. XAUm can be swapped, collateralized, and used in yield strategies within DeFi ecosystems, effectively transforming physical gold into a programmable financial asset.
Security and Custody
Security is a critical consideration for any crypto platform, and Matrixport takes an institutional-grade approach through its proprietary custody arm, Cactus Custody.
Cactus Custody
Cactus Custody is a third-party qualified custodian that operates in full compliance with regulatory and AML/KYC requirements. It is based in Hong Kong and provides secure custody services for both Matrixport users and external institutional clients. Key security features include:
- Cold storage: User assets are stored offline in cold wallets. Private key plaintext is never visible to staff.
- Multi-signature mechanisms: Withdrawals require multiple authorized signatures, preventing single points of failure.
- Heterogeneous data center design: Data centers use different hardware and software configurations to prevent correlated failures.
- Mandatory two-factor authentication (2FA): All accounts require 2FA for login and transactions.
- Real-time alerts: Users can set loss alerts for assets in fixed income accounts to enable quick stop-loss actions.
Regulatory Compliance
Matrixport holds more regulatory licenses than most crypto lending and investment platforms. Its license portfolio includes:
- Singapore: MAS Major Payment Institution (MPI) License through subsidiary Fly Wing
- Hong Kong: Trust or Company Service Provider (TCSP) License and Money Lender's License
- Switzerland: FINMA Asset Management License (Verwalter von Kollektivvermogen)
- United States: Money Services Business (MSB) registration with FinCEN
- United Kingdom: Operates as an Appointed Representative
- Switzerland: Member of FINMA SRO-VFQ self-regulatory organization
This multi-jurisdictional licensing framework provides stronger regulatory protections than most competitors in the crypto lending space. However, US residents cannot access the platform despite the MSB registration.
Matrixport Fees
Matrixport's fee structure is notably simple and competitive compared to most crypto platforms.
| Service | Fee | Notes |
|---|---|---|
| Spot Trading | 0% | Zero commission on all spot trades |
| Fiat Deposits (bank transfer) | 0% | No fees on bank transfer deposits |
| Fiat Deposits (credit/debit card) | Varies by provider | Third-party payment processor fees apply |
| Crypto Deposits | 0% | No deposit fees |
| Crypto Withdrawals | Network fee only | Standard blockchain transaction fees |
| Standard Loans | 1.38% - 8.28% annually | Varies by LTV ratio and term |
| Zero-Cost Loans | 0% | First loan free; structured with take-profit/protection prices |
| Structured Products | 0% explicit fee | Returns are net of any embedded fees |
| OTC Trading | Spread-based | Competitive spreads on block trades |
The zero spot trading fee is Matrixport's most competitive advantage from a cost perspective. Most competing platforms charge 0.1% to 0.5% per trade, making Matrixport significantly cheaper for active spot traders.
Supported Cryptocurrencies and Fiat Currencies
Matrixport supports a focused selection of cryptocurrencies rather than listing hundreds of altcoins. The platform prioritizes major assets with high liquidity and institutional demand.
Supported cryptocurrencies include BTC, ETH, BCH, LTC, SOL, BNB, ARB, ORDI, OP, USDT, USDC, and several additional stablecoins (USDP, GUSD, MIM, LUSD, SUSD, USDD, FRAX). The total count is approximately 16-20 assets depending on the specific product.
Supported fiat currencies number over 32, including USD, EUR, GBP, CAD, JPY, KRW, RUB, AUD, CHF, CZK, DKK, NOK, NZD, PLN, SEK, TRY, ZAR, HUF, ILS, INR, AED, UAH, HKD, MYR, NGN, TWD, BGN, BRL, MAD, RON, and MXN. This extensive fiat support makes Matrixport accessible to users in most countries outside the US.
Mobile App and User Experience
Matrixport is primarily a mobile-first platform. The iOS and Android apps carry a 4.2/5 star rating on the Google Play Store based on over 1,000 reviews. The app provides access to all platform features including structured products, fixed income, loans, spot trading, and staking.
The platform also offers a web interface, but there is no dedicated desktop application. This mobile-focused approach works well for users who prefer managing investments on the go but may frustrate professional traders who prefer multi-monitor desktop setups.
Common user complaints include occasional difficulties with account authentication and KYC verification delays. However, the overall user experience is rated positively, with the app interface being clean and relatively intuitive for the complexity of products offered.
How to Create a Matrixport Account
Setting up a Matrixport account involves these steps:
- Download the app: Available on the Apple App Store and Google Play Store, or access the web platform at matrixport.com.
- Register: Sign up with an email address or phone number. Matrixport occasionally offers sign-up bonuses up to $50 in trial coupons for new users.
- Complete KYC Level 1: Provide basic personal information for limited platform access.
- Complete KYC Level 2: Submit government-issued ID and complete identity verification for full access to loans, structured products, and higher limits.
- Deposit funds: Transfer cryptocurrency from an external wallet or purchase crypto using fiat through bank transfer or credit card.
KYC Level 2 is required for most of Matrixport's core products including crypto-backed loans and structured investments. The verification process typically completes within 24 hours.
How Matrixport Compares to Alternatives
Matrixport occupies a specific niche in the crypto financial services market. It is not a general-purpose exchange but rather a wealth management platform with lending, structured products, and institutional services. Here is how it compares to relevant alternatives.
| Feature | Matrixport | Nexo | YouHodler | Bybit |
|---|---|---|---|---|
| Structured Products | 4 types (Dual Currency, Snowball, SharkFin, Smart Trend) | Limited | None | Dual Currency, Shark Fin |
| Spot Trading Fees | 0% | Spread-based | Spread-based | 0.1% maker/taker |
| Crypto Loans | Yes (0% first loan, 1.38-8.28% standard) | Yes (0% with NEXO token, otherwise 6.9%+) | Yes (competitive rates) | Yes |
| Supported Cryptos | 16-20 | 60+ | 50+ | 500+ |
| RWA Tokenization | Yes (gold, silver, platinum, palladium) | No | No | No |
| OTC Desk | Yes ($50M daily volume) | Yes | No | Yes |
| Regulatory Licenses | 6+ jurisdictions | Multiple EU licenses | EU regulated | Limited |
| Institutional Custody | Cactus Custody (proprietary) | Third-party custodians | Third-party | Internal |
| US Access | No | Limited | No | No (Bybit US separate) |
Matrixport's key advantages over alternatives are its zero trading fees, proprietary institutional custody through Cactus Custody, and its four structured investment products. Its main disadvantage is limited cryptocurrency support. Users who want access to hundreds of altcoins should consider Bybit or KuCoin instead. For users focused on crypto lending and yield, Nexo offers a broader asset selection, while Matrixport provides more sophisticated structured products.
Is Matrixport Safe?
Matrixport is one of the more trustworthy crypto platforms available based on its regulatory compliance, institutional-grade custody solution, and multi-jurisdictional licensing. The platform has operated since 2019 without any reported security breaches or loss of user funds. Scamadviser rates matrixport.com as legitimate and safe to use.
That said, Matrixport is a centralized platform, meaning users do not control their own private keys. Assets are held in custody by Cactus Custody, which provides strong security but requires trust in the custodian. Users who prioritize self-custody should consider hardware wallets like Ledger for long-term storage and use Matrixport only for active investments.
The multi-jurisdictional licensing (MAS Singapore, TCSP Hong Kong, FINMA Switzerland) provides stronger legal protections than most crypto lending platforms, many of which operate without any regulatory oversight.
Who Should Use Matrixport?
Matrixport is best suited for:
- Crypto yield seekers: Users who want to earn interest through structured products, fixed income, or staking rather than simply holding assets idle.
- Institutional investors: Firms needing OTC services, custody solutions, and large-scale lending.
- Crypto miners: Mining operations that need BTC-collateralized loans for equipment purchases and operational expenses.
- Experienced investors: Users who understand options-like structured products (Dual Currency, Snowball) and want higher potential returns.
- Non-US users: The platform is available globally except in the United States.
Matrixport is less suitable for beginners looking for a simple buy-and-hold experience, users who need access to hundreds of altcoins, or anyone in the United States.
Our Review Methodology
This Matrixport review is based on comprehensive research and analysis:
- Account testing — We created an account and completed KYC verification to evaluate the onboarding process
- Platform evaluation — We tested the mobile app and web interface for usability and feature access
- Product analysis — We examined all structured products (Dual Currency, Snowball, SharkFin, Smart Trend) and yield offerings
- Fee verification — We confirmed zero spot trading fees and documented loan rate structures from official sources
- Security assessment — We reviewed Cactus Custody documentation, licensing information, and security features
- Regulatory verification — We confirmed licenses with MAS Singapore, TCSP Hong Kong, FINMA Switzerland, and FinCEN MSB registration
- Competitor comparison — We benchmarked Matrixport against Nexo, YouHodler, and Bybit on key metrics
- User feedback analysis — We reviewed app store ratings and user comments
Editorial Independence: Bitcompare maintains full editorial independence. Our reviews reflect genuine assessment based on research and testing. Where affiliate links appear, they do not influence our ratings or recommendations.
Data verified as of February 11, 2026. Platform features and rates may change; always verify current terms on the official website.
Matrixport Review Verdict
Matrixport is a specialized crypto financial services platform that excels in structured investment products, institutional-grade custody, and competitive lending rates. Its zero spot trading fees, four distinct structured products, and multi-jurisdictional licensing set it apart from most competitors. The addition of RWA tokenization through Matrixdock (XAUm gold token and planned precious metals expansion) adds a forward-looking dimension that few crypto platforms offer.
The main drawbacks are limited cryptocurrency support (16-20 assets versus hundreds on major exchanges), no desktop application, and unavailability in the United States. For users outside the US who want sophisticated crypto yield products backed by institutional-grade security, Matrixport is a strong choice that has proven its reliability since 2019.
Frequently Asked Questions About Matrixport
What is Matrixport and who founded it?
Matrixport is a Singapore-based crypto financial services platform founded in February 2019 by Jihan Wu, the co-founder of Bitmain. It offers structured investment products, crypto-backed loans, spot trading with zero fees, OTC services, and institutional custody through Cactus Custody. The platform manages over $10 billion in assets under custody and serves more than 300 institutional clients.
Is Matrixport available in the United States?
No, Matrixport is not available to US residents. Although Matrixport holds a Money Services Business (MSB) registration with FinCEN in the United States, the platform does not currently allow US users to create accounts or access its products. Matrixport is available globally in most other countries.
What are Matrixport's trading fees?
Matrixport charges zero fees on spot cryptocurrency trades. There are no trading commissions, making it one of the most cost-effective platforms for spot trading. Fiat deposits via bank transfer are also free, while credit or debit card deposits may incur third-party payment processor fees. Crypto withdrawals are subject to standard blockchain network fees only.
How does Matrixport's Dual Currency product work?
Dual Currency is a non-principal-protected structured product that links two assets together over a fixed period. Users choose either a "sell high" direction (equivalent to selling a call option) or a "buy low" direction (equivalent to buying a put option). The return rate is fixed at purchase, but the settlement currency depends on whether the asset price is above or below the linked price at maturity. It supports 12+ digital assets with durations from 0.1 to 287 days.
Is Matrixport safe and regulated?
Matrixport holds regulatory licenses in six jurisdictions: Singapore (MAS MPI License), Hong Kong (TCSP and Money Lender licenses), Switzerland (FINMA Asset Management License), the United States (MSB registration), and the United Kingdom (Appointed Representative). User assets are secured through Cactus Custody, an institutional-grade custodian using cold storage, multi-signature mechanisms, and mandatory two-factor authentication. Matrixport has operated since 2019 with no reported security breaches.
What is Matrixport's Cactus Custody?
Cactus Custody is Matrixport's proprietary institutional-grade custody solution based in Hong Kong. It stores user assets offline in cold wallets where private key plaintext is never visible to staff. The custody service uses multi-signature withdrawal mechanisms and heterogeneous data center designs to prevent correlated failures. Cactus Custody operates in compliance with KYC and AML regulations and serves both Matrixport users and external institutional clients.
What is XAUm and Matrixport's RWA tokenization?
XAUm is a physical gold-backed token created by Matrixdock, Matrixport Group's RWA tokenization subsidiary. Each XAUm token represents ownership of physical gold stored in audited vaults, with batch-level transparency. XAUm is available on Ethereum and Sui blockchains and can be used in DeFi for swapping, collateralization, and yield strategies. Matrixdock completed its second independent gold reserve audit in July 2025 and announced expansion into tokenized silver, platinum, and palladium in June 2025.
How do Matrixport's crypto loans work?
Matrixport offers two types of crypto-backed loans. Standard collateralized loans allow users to pledge BTC (and select other assets) to borrow USDT or USDC at annual interest rates from 1.38% to 8.28% depending on the loan-to-value ratio (20%-60%) and term length (30-180 days). Zero-cost loans charge 0% interest but use a structured mechanism with take-profit and protection price levels. The first loan for all new users is always interest-free.
What cryptocurrencies does Matrixport support?
Matrixport supports approximately 16-20 cryptocurrencies depending on the product. Core supported assets include BTC, ETH, BCH, LTC, SOL, BNB, ARB, ORDI, and OP, plus stablecoins USDT, USDC, USDP, GUSD, MIM, LUSD, SUSD, USDD, and FRAX. The number of supported assets varies by product: Dual Currency supports 12+ assets, Fixed Income supports 14 assets, and Flexible Savings supports 16 assets. Matrixport also supports 32+ fiat currencies for deposits.
