Is Xiaomi Crowd Trading a regulated brokerage?

Yes. We operate through licensed broker and custodian partners in every jurisdiction we serve. Your funds sit in segregated custody accounts, never on our balance sheet. We are working toward SOC 2 Type II and ISO 27001 certification.

How is my money kept safe?

Three layers: licensed custody (your assets are held by regulated third parties), end-to-end encryption with HSM-backed key custody for crypto, and real-time fraud monitoring on every transaction. Withdrawals require biometric step-up confirmation.

Can I really shop with my trading balance?

Yes — that is the whole point. One central wallet funds everything: trades, purchases from the Xiaomi catalog (including SU7 vehicles), and humanitarian contributions. External rails (cards, Alipay, WeChat Pay) only top up the wallet; the wallet itself is the sole settlement source.

No account fees, no inactivity fees. Trading spreads from 0.02% on majors. Card top-up is free; bank transfer is at cost. Purchases settle at catalog price with no platform markup. Donations are 100% pass-through — partners receive every cent.

How long does sign-up take?

Three minutes for full KYC L2 access (trading enabled). Selfie + government ID; instant decision in most jurisdictions. L1 (browsing, shopping, donations) takes under a minute.

Where does the humanitarian funding actually go?

A transparent share of platform revenue plus your direct contributions flow to WFP, Oxfam International, CDRF, and Dongao Education programmes. Every disbursement appears as an auditable line item on the public Impact Ledger, with quarterly partner-audited reports.

Which countries can I use this from?

The pilot covers China, Singapore, Hong Kong, Kenya, the UK, and the EU. We are progressively expanding — if your region is not yet supported, you can join the waitlist and we will notify you when we go live.

How do I withdraw my funds?

From the wallet, choose a verified withdrawal method (your linked bank, card, or external wallet). Standard settlement is the same business day for fiat, near-instant for crypto. Step-up biometric confirmation is required on every withdrawal.

Trade. Shop. Lift.

One wallet. Everything settles from a single balance — trade markets, invest in AI-managed plans, shop the Xiaomi ecosystem, and fund what matters.

Open accountSee how it works

Regulated
Segregated custody
KYC

Your wallet

$12,840.00

Live

BTC/USDTSpot trade+$214.50
Balanced planDaily accrual+12.4% APY
Xiaomi SU7Reserved$500
WFP school mealsContributed142 meals

One balance — settles trading, plans, shop, and Lift.

Xiaomi users worldwide
0.0B+
Xiaomi FY 2024
Markets covered
0+
Across 4 asset classes
Funded via Lift
$0.0M
Year-to-date

One account. Three ways to move forward.

Fund once. Trade markets, shop the catalog, or contribute to a partner programme — all settled from the same balance.

Trade markets you understand.

Forex, equities, and crypto in one place. Educational sandbox built in — practice with paper before you risk a cent.

BTC/USDT · 1h▲ +2.84%

Explore markets

Shop the Xiaomi ecosystem.

From phones and IoT to the Xiaomi SU7. Pay from the same balance you trade with — no cards, no friction.

Phone

Pad

SU7

Browse the catalog

Fund what matters.

Round up your purchases, schedule recurring contributions, or one-tap donate. Every cent traced to a programme outcome.

Funded year-to-date$11.7M

Target $15M · audited quarterly

See impact reports

AI-managed investing

Don’t want to trade yourself? Pick a plan.

Pick a target return, pick a lock-in, let our AI execute the strategy. Interest accrues daily and is withdrawable to your wallet at any moment.

StarterCapital protected

Target APY

8–12%

Lock-in: 30 days
Min: $100

Stablecoin yield · Short-dated bonds · Low-volatility FX

Open Starter

BalancedMost picked

Target APY

12–18%

Lock-in: 60 days
Min: $500

Blue-chip equities · BTC/ETH · Stablecoin yield · FX

Open Balanced

Growth

Target APY

18–25%

Lock-in: 90 days
Min: $2k

Growth equities · DeFi yield · Crypto baskets · Smart-money flow

Open Growth

Elite

Target APY

25–30%+

Lock-in: 180 days
Min: $10k

Active AI trading · Leveraged positions (≤3x) · Alt-coin baskets

Open Elite

Interest paid daily

Accrual posts to a claimable balance every 24 hours — auto-compound or claim daily into your wallet.

Withdraw any time

Claimable interest moves to your wallet with no fee. Principal during lock-in incurs an early-exit fee; free after lock-in expires.

Starter capital protected

Starter-tier principal is backed by the Company reserve fund — every top-up tracked on the public Reserve Ledger.

Use the yield calculator to model amount, duration, and tier — and see realised performance per tier before you allocate.

Compare all plans

Real situations

Built for the way you actually live.

Variable income. Tight months. A goal you’re working toward. Wherever you’re starting from, there’s a plan engineered for it.

The freelance designer

Best fit · Starter

“My income changes every month. Some months I can put aside $300, others nothing. I need something flexible.”

Daily interest, claimable to your wallet any time — no fee, no commitment.

See the Starter plan

The new graduate

Best fit · Starter

“First proper paycheck. I want to start making my money work for me, but I don’t know what a candle chart is.”

AI handles the strategy from $100 up — you don’t have to learn trading to start.

See the Starter plan

The remote worker

Best fit · Balanced

“I’m putting aside $1,000 a month for a move in six months. I need it growing but also accessible.”

60-day lock-in matches your horizon. Interest claimable to the wallet at any moment.

See the Balanced plan

The school teacher

Best fit · Growth

“My bank pays 0.1% on my balance. That doesn’t keep up with the cost of groceries. I want my money to actually do something.”

18–25% target APY — a different order of magnitude from a savings account.

See the Growth plan

The retiree

Best fit · Starter

“I’ve worked forty years. I want my principal safe and the interest to supplement my pension month to month.”

Capital protected by the reserve fund. Daily interest, claim it monthly into your wallet.

See the Starter plan

The single parent

Best fit · Balanced

“I’m putting $2,500 aside for my daughter’s education. Five-year horizon. I want it compounding.”

Auto-compound is on by default — every day’s interest rolls into principal until you need it.

See the Balanced plan

These are illustrative situations, not testimonials. Your plan choice is yours — the calculator on the Plans page projects expected interest for any combination of amount, duration, and tier.

Compare all plans

How it works

Four steps to your first move.

From sign-up to your first trade, purchase, or contribution — every step is designed to take seconds, not days.

Verify your identity

KYC is done in under three minutes with a selfie. No paperwork, no faxes.

L1 — email + phone in seconds
L2 — ID + selfie, instant decision
L3 — proof of funds when limits scale up

Fund your wallet

Top up from cards, Alipay, WeChat Pay, bank transfer, or crypto on-ramp. One balance, ready for everything.

Cards · Alipay · WeChat Pay · M-Pesa
Bank transfer (SWIFT, SEPA, FPS)
Crypto on-ramp via licensed partner

Trade, shop, or contribute

Three flows, one wallet. Move between markets, cart, and campaigns without switching apps.

Forex, equities, crypto with one click
Xiaomi ecosystem checkout from balance
Round-up or one-tap donations

Track your impact

Every contribution shows up as an auditable line item. Quarterly reports from WFP, Oxfam, and CDRF.

Real-time impact ledger
Quarterly partner-audited reports
Year-end statements for tax and giving

Three minutes from here to your first trade, purchase, or contribution.

Start step one Read the full guide

Leadership

Built by the team behind Xiaomi.

Xiaomi Crowd Trading is founded by Lei Jun and operated by the same leadership that scaled Xiaomi from a startup in 2010 to one of the world’s top consumer-tech companies — serving over 1.2 billion users across 100+ markets. Every product call, every safeguard, every partnership is held to that same standard.

“We build platforms people stake their futures on. Trust is the foundation of every product we ship.”
— Lei Jun, Founder & CEO, Xiaomi

Meet the leadership team

Lei Jun

Founder & CEO, Xiaomi Technology

In the news

Addressing the National People’s Congress on responsible technology and consumer protection.

Xiaomi Auto recognized at the 2025 World Car Awards

Recognition

Xiaomi Auto named to the 2025 World Car Awards Person of the Year shortlist — the global benchmark for automotive leadership.

Track record

Users worldwide: 1.2B+
Active markets: 100+
Listed since: 2018
R&D investment: $3B/yr

Xiaomi Corp. · HKEX 1810 · FY 2024 results

From the catalog

Phones, vehicles, IoT.

Paid from your wallet, shipped to your door. The full Xiaomi ecosystem and curated partner SKUs — settled in seconds.

Browse the catalog

XiaomiNew

Xiaomi 15 Pro

Leica flagship. Snapdragon 8 Elite. All-day silicon-carbon battery.

$1,099Shop

Xiaomi

Xiaomi Watch S4

AMOLED. 15-day battery. Changeable bezels.

$219Shop

Xiaomi

Xiaomi Robot Vacuum X20 Max

Mops, vacuums, and empties itself.

$549Shop

XiaomiNew

Xiaomi Electric Scooter 5 Pro

Longer range. Steeper hills.

$799Shop

Xiaomi

Mi Commuter Backpack

Everyday carry, engineered.

$39Shop

Impact ledger

Every cent, accounted for.

Our partners receive a transparent share of platform revenue plus your direct contributions. Reports are independently audited and published quarterly.

Year-to-date: $0.0M
Programmes funded: 0

Read the latest impact report

DatePartner · programmeAmountOutcome

2026-06-08WFP· School meals, Kakuma$2,8401,560 meals served

2026-06-07CDRF· Rural literacy, Yunnan$1,20048 student-weeks

2026-06-06Oxfam· Clean water, Lilongwe$3,410210 households supplied

2026-06-05Dongao· Financial literacy MOOC$880320 course completions

2026-06-04WFP· Emergency rations, Sudan$5,6202,100 ration packs

2026-06-03CDRF· Vocational training, Gansu$1,95076 student-weeks

2026-06-02Oxfam· Sanitation, Dhaka$2,180142 latrines installed

2026-06-01WFP· School meals, Mombasa$3,0701,820 meals served

2026-06-08WFP· School meals, Kakuma$2,8401,560 meals served

2026-06-07CDRF· Rural literacy, Yunnan$1,20048 student-weeks

2026-06-06Oxfam· Clean water, Lilongwe$3,410210 households supplied

2026-06-05Dongao· Financial literacy MOOC$880320 course completions

2026-06-04WFP· Emergency rations, Sudan$5,6202,100 ration packs

2026-06-03CDRF· Vocational training, Gansu$1,95076 student-weeks

2026-06-02Oxfam· Sanitation, Dhaka$2,180142 latrines installed

2026-06-01WFP· School meals, Mombasa$3,0701,820 meals served

Built for real lives

Wherever you’re starting from, there’s a plan for it.

From the new graduate with a first paycheck to the retiree topping up a pension — Xiaomi Crowd Trading is built for the way real people actually manage money, not the textbook version of investing.

Starts from: $100
Target APYs: 8–30%+
Backed by: 1.2B+ users

Open your account See plans & calculator

Security & trust

Built like a bank. Audited like one too.

Trust is the first pixel. Every financial surface telegraphs custody, regulation, and reversibility before it shows a number.

Segregated custody

Your funds sit in licensed custodian accounts, never on our balance sheet.

KYC + step-up auth

Identity verified at sign-up. Biometric confirmation on every withdrawal.

SOC 2 and ISO 27001

Independently audited security controls, refreshed annually.

Real-time fraud monitoring

Every transaction risk-scored before it settles.

SOC 2 Type IIISO 27001PCI-DSSPIPLGDPR

Frequently asked

Answers, before you ask.

The questions our team hears every week. If yours isn’t here, our support team is one tap away.

Browse the full help center

01Is Xiaomi Crowd Trading a regulated brokerage?
Yes. We operate through licensed broker and custodian partners in every jurisdiction we serve. Your funds sit in segregated custody accounts, never on our balance sheet. We are working toward SOC 2 Type II and ISO 27001 certification.
02How is my money kept safe?
Three layers: licensed custody (your assets are held by regulated third parties), end-to-end encryption with HSM-backed key custody for crypto, and real-time fraud monitoring on every transaction. Withdrawals require biometric step-up confirmation.
03Can I really shop with my trading balance?
Yes — that is the whole point. One central wallet funds everything: trades, purchases from the Xiaomi catalog (including SU7 vehicles), and humanitarian contributions. External rails (cards, Alipay, WeChat Pay) only top up the wallet; the wallet itself is the sole settlement source.
04What does it cost?
No account fees, no inactivity fees. Trading spreads from 0.02% on majors. Card top-up is free; bank transfer is at cost. Purchases settle at catalog price with no platform markup. Donations are 100% pass-through — partners receive every cent.
05How long does sign-up take?
Three minutes for full KYC L2 access (trading enabled). Selfie + government ID; instant decision in most jurisdictions. L1 (browsing, shopping, donations) takes under a minute.
06Where does the humanitarian funding actually go?
A transparent share of platform revenue plus your direct contributions flow to WFP, Oxfam International, CDRF, and Dongao Education programmes. Every disbursement appears as an auditable line item on the public Impact Ledger, with quarterly partner-audited reports.
07Which countries can I use this from?
The pilot covers China, Singapore, Hong Kong, Kenya, the UK, and the EU. We are progressively expanding — if your region is not yet supported, you can join the waitlist and we will notify you when we go live.
08How do I withdraw my funds?
From the wallet, choose a verified withdrawal method (your linked bank, card, or external wallet). Standard settlement is the same business day for fiat, near-instant for crypto. Step-up biometric confirmation is required on every withdrawal.

Three minutes to open an account.

No paperwork. KYC done with a selfie. Fund with a card or wallet — then trade, shop, or contribute. Built on the standards that brought Xiaomi to 1.2 billion users worldwide.

Open accountTalk to support