FAQ's

General Questions

How does TradeUTM work?

 Users deposit funds into their wallet, optionally activate their referral system, and receive daily or periodic ROI managed by our expert traders 

Do I need trading experience to use TradeUTM?

 No. Our platform is designed for beginners and non-traders. You simply invest and earn passively 

Is TradeUTM available globally?

 Yes, TradeUTM accepts users worldwide, subject to regulatory restrictions 

Is there a minimum investment amount?

 Yes, the minimum amount varies by plan or promotion. You’ll see the current minimum inside the app or dashboard. 

What currency does TradeUTM use?

 We primarily use USDT (Tether) for investment and profit disbursement.

Is my capital locked after investing?

 Yes, capital is typically locked for a fixed period (e.g., 30, 60, or 90 days) to allow for efficient trading and ROI generation.

Investment & Returns

How do I earn with TradeUTM?

 You earn passively through profit-sharing based on returns generated from expert trading managed by our team. 

How is ROI calculated?

 ROI depends on market performance, trading strategies, and your investment amount. It may be distributed daily or periodically.

Can I withdraw profits anytime?

 You can withdraw your earnings based on your plan’s withdrawal schedule, but locked capital cannot be withdrawn before maturity. 

Is my capital guaranteed?

 No investment is without risk. However, we use proven strategies, risk management protocols, and capital protection systems to minimize risk.

How often will I see updates about my returns?

Your dashboard provides real-time tracking, and we send regular performance updates and summaries. 

What happens when my lock period ends?

 You can choose to reinvest your capital or withdraw it along with your final profits. 

Wallet & Deposits

What is the TradeUTM Wallet?

 It’s your personal digital wallet inside the app where you can deposit USDT, receive profits, and manage funds. 

How do I deposit funds?

 You can deposit supported stablecoins (primarily USDT) into your TradeUTM wallet using blockchain transfers. 

Is there a deposit fee?

 TradeUTM does not charge a deposit fee, but blockchain network fees may apply. 

Can I convert currencies in the wallet?

 Currently, wallet operations are limited to USDT. Currency conversion support may be added in future versions. 

How do I check my wallet balance?

 You can view your balance anytime from your dashboard or wallet tab inside the app.

Virtual Cards

What is the TradeUTM Virtual Card?

 It’s a secure, virtual-only payment card powered by Wallester Bank, linked to your TradeUTM wallet for online spending. 

Is there a physical version of the card?

 No, our cards are virtual only and are meant for digital payments and online use.

Where can I use the virtual card?

 Anywhere online that accepts Visa/Mastercard, depending on the card issued. 

Are there card usage limits?

 Yes, limits may apply based on verification level and card provider rules. These are visible in your card settings. 

How do I get a virtual card?

 After account verification and meeting minimum balance requirements, the card can be generated from your dashboard. 

Is the virtual card safe to use?

 Yes. The card is protected with encryption, tokenization, and CVV reset features for security. 

Can I freeze or disable my card?

 Yes, you can freeze or block your card instantly from the app if needed. 

Referral Program

Does TradeUTM have a referral program?

 Yes! You can earn by referring new users. Commissions are based on your invitee's investment. 

How many levels does the referral system have?

 Our referral system supports multi-level rewards, typically up to 7 levels. 

How are referral rewards paid?

 Rewards are credited to your wallet in USDT or as bonus points, depending on the program terms. 

Is there a limit to how many people I can refer?

 No. You can refer as many users as you want and earn commissions based on their participation. 

Can I track my referral tree?

 Yes, your dashboard shows a breakdown of direct and indirect referrals across levels. 

Can I still earn if my referral stops investing?

 You earn commissions only on active investments. If they stop, earnings stop accordingly. 

Security & Legal

Is TradeUTM regulated?

 TradeUTM operates under UK laws and partners with regulated entities (like Wallester Bank) for services such as card issuance. 

Is my data protected?

 Yes. We follow UK GDPR and use end-to-end encryption, secure hosting, and access controls. 

Does TradeUTM have KYC requirements?

 Yes. KYC is mandatory for withdrawals, virtual card activation, and higher wallet limits. 

How can I report suspicious activity?

 Contact support via the app or email [email protected] to report any unauthorized activity.

What happens if I lose access to my account?

 You can recover it using your registered email/phone and by passing security verification steps. 

Withdrawals & Support

How do I withdraw my earnings?

 Go to the Wallet section > Withdraw. Select amount and wallet address. Network fees apply. 

How long do withdrawals take?

 Withdrawals are usually processed within a few hours but may take up to 24–48 hours during busy times. 

Are there withdrawal limits?

 Yes. Limits vary based on verification level and account status. Daily/monthly caps may apply. 

Is there a withdrawal fee?

 Only blockchain network fees are charged. TradeUTM doesn’t charge any internal withdrawal fee. 

Can I withdraw referral earnings separately?

 Yes. Referral rewards can be withdrawn independently from ROI, once they reach the minimum threshold. 

Account & Settings

Can I update my profile info?

 Yes. You can change your email, phone number, or other non-verified info via the Profile tab. 

Can I change my password or PIN?

 Yes. Go to Settings > Security to reset password or 2FA credentials. 

Can I have multiple accounts?

 No. Users are allowed only one account. Duplicate accounts may be flagged or terminated. 

Can I close my TradeUTM account?

 Yes, but any locked funds must complete their cycle before full closure. Contact support for the process. 

Platform Features & Roadmap

Is TradeUTM launching a mobile app?

 Yes, TradeUTM is available on both Android and iOS. You can manage investments, referrals, and cards on the go. 

Will more card types or features be added?

 We plan to add support for different card tiers, currency options, and premium member perks. 

Can I suggest features or give feedback?

 Absolutely! Use the in-app feedback form or email us at [email protected]

What sets TradeUTM apart from other platforms?

 Expert-led trading, strong security, transparent profit-sharing, beginner-friendly design, and multiple passive earning options—built by traders, for investors. 

Rewards

What is TradeUTM?

 TradeUTM is a UK-based passive investment platform where users invest funds, and our expert trading team manages Forex trading on their behalf, sharing profits transparently. 

Who founded TradeUTM?

 TradeUTM was founded by Colm Murphy, a seasoned Forex trader with over 10 years of proven success in the financial markets.