Understanding Basic and Premium Limits on XREX

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XREX has established strategic partnerships with global banking institutions such as KGI Bank and Far Eastern International Bank, enabling seamless fiat onboarding and offboarding services for users across more than 100 countries. These collaborations ensure fast, secure, and compliant transactions in multiple currencies—including USD and TWD—while maintaining high standards of safety and trust in the digital asset ecosystem.

To support diverse user needs, XREX offers tiered transaction limits based on account type: Basic and Premium. These tiers determine your maximum allowable transaction volumes for fiat (USD, TWD) and cryptocurrency transactions. All users must complete identity verification to access these limits and begin using XREX’s full suite of financial services.

It's important to note that while XREX sets platform-wide thresholds, individual custodian banks may impose their own restrictions. Always refer to the real-time data displayed within the XREX app for the most accurate limit information during transactions.

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Fiat Currency Limits – USD

Basic Tier (Verified Individuals)

Users who have completed standard identity verification are granted initial transaction limits under the Basic tier:

These limits are designed for everyday traders and newcomers to crypto-fiat conversion, offering balanced access with built-in security controls.

Premium Tier (Eligible Verified Users)

The Premium tier provides significantly higher limits for active traders and institutional clients who meet enhanced verification criteria:

Upgrade eligibility is assessed automatically upon submission of additional documentation, including proof of income or business registration (for corporate accounts).

Fiat Currency Limits – New Taiwan Dollar (TWD)

TWD transactions are processed through designated custodian banks, primarily Far Eastern International Bank, which enforces specific compliance rules aligned with local financial regulations.

Basic Tier – TWD

Standard limits for verified personal accounts:

Note: Annual cycles run from January 1 to December 31 (UTC+0). Daily limits for Far Eastern Bank apply according to Taiwan time (UTC+8), from 00:00 to 23:59.

Premium Tier – TWD

For users requiring elevated transaction capacity:

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Special Rules: Far Eastern International Bank TWD Initial Limits (Effective June 28, 2025)

To comply with evolving regulatory standards, new users face updated onboarding procedures when linking a TWD account via Far Eastern International Bank.

New User Policy (On or After June 28, 2025)

If you complete identity verification on or after June 28, 2025, your TWD account will initially be subject to reduced "Initial Limits":

These restrictions remain in place until one of the following conditions is met:

Once both conditions are satisfied, your account will automatically upgrade to the standard user limits at 2:00 PM on the first day of the following month (subject to bank processing schedules). No manual application is required.

System audits occur at the end of each calendar month. If criteria aren’t met by month-end, the initial limits persist until fulfillment.

Existing User Policy (Verified Before June 28, 2025)

Users who completed verification prior to June 28, 2025 are grandfathered under legacy rules:

This ensures continuity for long-standing users while aligning new accounts with current compliance frameworks.

⚠️ Reminder: While XREX defines platform-level caps, custodian banks may enforce stricter rules. Always confirm current limits directly in the XREX mobile app before initiating transactions.

Cryptocurrency Transaction Limits

Crypto transfers—especially stablecoin transactions pegged to the US dollar—are subject to separate volume caps based on tier status.

Basic Tier – Stablecoin Transfers (USD-Equivalent)

Designed for entry-level crypto activity:

Minimum deposit amounts vary by blockchain network but typically start at $1–$5 equivalent per transaction.

Premium Tier – Stablecoin Transfers (USD-Equivalent)

For high-volume traders and institutional flows:

Higher outbound flexibility supports professional trading strategies, OTC settlements, and cross-border payments.

Frequently Asked Questions (FAQ)

Q: Do I need to apply separately for Premium tier access?
A: Not necessarily. Once you submit advanced verification documents (e.g., tax ID, business license), the system evaluates eligibility automatically. Approval triggers immediate limit adjustments.

Q: Can I switch custodian banks after setup?
A: Yes. You can change your designated custodian bank within the XREX app settings. However, switching may reset certain initial limit periods depending on the new bank’s policies.

Q: Why are my actual transaction options lower than listed limits?
A: Real-time availability depends on multiple factors: your verification level, transaction history, risk assessment score, and the custodian bank’s internal rules. The app always displays enforceable limits.

Q: Are there fees associated with reaching my limits?
A: No additional fees are charged solely for approaching or utilizing your full limit. Standard withdrawal and network fees still apply based on asset type and destination.

Q: How often are limits reviewed or adjusted?
A: Platform-wide limit updates occur periodically due to regulatory changes or market conditions. Individual upgrades happen dynamically upon meeting tier requirements.

Q: Is there a way to request a temporary increase?
A: Currently, all increases follow predefined eligibility paths. Temporary overrides are not supported for compliance and security reasons.

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How to Increase Your Transaction Limits

While automatic upgrades cover most cases, proactive steps can accelerate access to higher tiers:

  1. Complete full KYC with government-issued ID and proof of address
  2. Submit income verification or business documentation (for Premium or corporate accounts)
  3. Maintain consistent transaction history over time
  4. Engage in regular fiat deposits and withdrawals to demonstrate activity

XREX continuously monitors compliance frameworks across jurisdictions to ensure safe and legal operations worldwide.

Core Keywords

By understanding these structured tiers and compliance timelines, users can better plan their financial activities on XREX—ensuring smooth access to digital assets while adhering to international regulatory standards.