Understanding your transaction capabilities on a digital asset platform is essential for smooth, efficient financial operations. This guide breaks down how user levels affect transaction limits, the criteria for advancing between tiers, and what you need to know about rolling quotas and eligibility requirements. Whether you're new to crypto trading or looking to scale your activity, this overview ensures you stay informed and in control.
How Member Levels Affect Transaction Limits
Your access to deposit, withdraw, and transfer funds—both fiat and cryptocurrency—is directly tied to your account’s membership level. On platforms like Rybit, users are categorized into four distinct tiers, each with progressively higher transaction allowances. These limits apply to:
- TWD deposits (入金)
- TWD withdrawals (提領)
- Cryptocurrency withdrawals (加密貨幣提領)
Each tier offers increased 24-hour and 30-day rolling limits, enabling greater flexibility as you move up. Here's a breakdown of the current thresholds by level.
Tier-Based Transaction Limits
As membership level increases, so do the permitted transaction volumes. Below is a structured summary of the limits per tier.
Level 1
- TWD Deposit Limit: Up to NT$150,000 within 24 hours | NT$2,000,000 within 30 days
- TWD Withdrawal Limit: Up to NT$150,000 within 24 hours | NT$2,000,000 within 30 days
- Crypto Withdrawal Limit: Up to NT$150,000 within 24 hours | NT$2,000,000 within 30 days
Level 2
- TWD Deposit Limit: Up to NT$500,000 within 24 hours | NT$4,500,000 within 30 days
- TWD Withdrawal Limit: Up to NT$500,000 within 24 hours | NT$4,500,000 within 30 days
- Crypto Withdrawal Limit: Up to NT$500,000 within 24 hours | NT$4,500,000 within 30 days
Level 3
- TWD Deposit Limit: Up to NT$1,000,000 within 24 hours | NT$6,000,000 within 30 days
- TWD Withdrawal Limit: Up to NT$1,000,000 within 24 hours | NT$6,000,000 within 30 days
- Crypto Withdrawal Limit: Up to NT$1,000,000 within 24 hours | NT$6,000,000 within 30 days
Level 4
- TWD Deposit Limit: Up to NT$2,000,000 within 24 hours | NT$10,000,000 within 30 days
- TWD Withdrawal Limit: Up to NT$2,000,000 within 24 hours | NT$10,000,000 within 30 days
- Crypto Withdrawal Limit: Up to NT$2,000,000 within 24 hours | NT$10,000,000 within 30 days
👉 Discover how upgrading your account can unlock higher trading flexibility and faster fund access.
These escalating limits reflect a risk-managed approach that balances security with scalability—ensuring both new and experienced traders can operate comfortably within regulated boundaries.
Key Rules for Transaction Quotas
To avoid unexpected disruptions in your trading flow, it’s important to understand how these limits are calculated and enforced.
Rolling Time Windows
Transaction limits follow a rolling time frame, meaning they don’t reset at midnight or on a calendar basis. Instead:
- The 24-hour limit tracks all successful transactions over the past day.
- The 30-day limit operates similarly but spans the last month.
For example: If a user deposits NT$50,000 at 8:00 AM and another NT$50,000 at 6:0 PM on the same day, only NT$50,000 remains available under a Level 1 daily cap until the earliest transaction rolls out of the window 24 hours later.
This system ensures fair usage while maintaining compliance with financial regulations.
Only Successful Transactions Count
Failed or refunded orders due to exceeding limits are not included in your quota calculation. This means if a transaction is canceled because you've hit your threshold, it won’t further restrict your future activity. Only confirmed and processed transactions contribute to your rolling total.
How to Upgrade Your Membership Level
Advancing through membership tiers unlocks higher transaction capacities and improved service access. To qualify for an upgrade, users must meet specific conditions related to identity verification, banking integration, and trading volume.
Requirements by Tier
| Criteria | Level 1 | Level 2 | Level 3 | Level 4 |
|---|---|---|---|---|
| Identity Verification | Required | Required | Required | Required |
| Bank Account Binding Duration | Not applicable | ≥15 days | ≥61 days | ≥91 days |
| Cumulative TWD Trading Volume | Not applicable | >NT$488,888 total (lifetime) | >NT$1.77 million in last 31 days | >NT$3.99 million in last 31 days |
Note: Values have been rounded for clarity while preserving proportional accuracy.
Let’s explore each requirement in detail.
Identity Verification (KYC)
All levels require successful Know Your Customer (KYC) verification. This includes submitting valid government-issued ID documents and completing facial recognition checks where applicable. KYC helps prevent fraud and ensures regulatory compliance across jurisdictions.
Bank Account Binding Period
The length of time your bank account has been linked affects eligibility for higher tiers:
- Level 2: Account must be bound for at least 15 full days
- Level 3: Minimum of 61 cumulative days
- Level 4: At least 91 consecutive or cumulative days
👉 Learn how long-term account activity can boost your transaction privileges and security status.
The countdown begins from the day after binding—so if you link your account on January 1st, Day 1 starts on January 2nd.
Trading Volume Calculation
Your trading volume is based on the sum of:
- All TWD deposits
- All TWD withdrawals
Fees are excluded from this total. The system updates this data daily at 23:59, assessing whether you’ve met the necessary thresholds for automatic advancement.
Upgrade Timing: Once all conditions are satisfied, your account will automatically advance to the next level at 0:15 a.m. the following day—no manual application needed.
Frequently Asked Questions
What counts toward my daily transaction limit?
Only completed TWD deposits and withdrawals count toward your rolling 24-hour and 31-day caps. Pending, failed, or refunded transactions do not accumulate against your limit.
Can I speed up my upgrade process?
While identity verification is immediate upon approval, bank binding duration cannot be accelerated—it requires real-time passage. However, increasing your trading volume strategically within a month can help reach Level 3 or Level 4 faster.
Do crypto deposits affect my limits?
No. Only TWD-related transactions (deposits and withdrawals) contribute to your fiat trading volume used for upgrades. Cryptocurrency transfers do not influence tier progression.
Are limits shared across different currencies?
No. These limits apply specifically to TWD transactions. Crypto withdrawal caps are expressed in TWD equivalent but governed separately based on market value at withdrawal time.
What happens if I exceed my limit?
If you attempt a transaction beyond your allowed amount, it will be rejected. You’ll receive a notification explaining the reason. No penalties apply—simply wait until part of your prior activity rolls out of the time window.
Can the platform change limits without notice?
Yes. As stated in service terms, Rybit reserves the right to adjust transaction limits and upgrade criteria without prior announcement. Users are encouraged to periodically review policy updates.
👉 Stay ahead with real-time insights into account upgrades and transaction optimizations.
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By understanding how membership levels function—and planning around binding durations and volume targets—you can maximize your platform utility while staying compliant. Always monitor your progress and anticipate future needs as your trading activity grows.