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Contract reading

What XeOne legally published, but does not want you to read

Every clause below is published by XeOne itself, on its own website, today. The finding is not that the text exists. It is the distance between what a client is shown and what a client agreed to. Read from its own documents on .

Contracting entity: XeOne Prime

sole discretionmarketing gaphidden feewithdrawalsbonus lockkyc freezeunilateral amendmentdeemed acceptancedocument conflictclient money

XeOne Prime's contract never says how long a withdrawal takes. It does say XeOne can hold your money back until it has every document it wants. Swap free trading is charged unless you email support, and that fee has no price anywhere. Take the 30% deposit bonus and asking to withdraw can close your open trade.

Back to XeOne

Contract risk

Money at risk
8.5/10

Where this contract sitsHow far this contract goes, overall. Under 2 is nothing beyond the ordinary; 6 to 9 means several clauses put money you have already earned at risk; 9 and above reads as designed to make payout refusable.

0510
CriticalClauses that can cost you money you have already earned or deposited, or that remove your ability to challenge it.
14
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
29
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
11
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
16

How the 29 break downThe same flagged clauses, split by how much each one can cost you. Severity is our reading of the clause, not the broker's label.

Critical14
Warning13
Notice2

section 57 of 60is where the deepest clause sits, 95% of the way into the document it is in

The numbers in this contractFigures taken from this broker's own clauses, so the labels differ from broker to broker. The four in the panel above are the same on every report.

4 of these 4 figures come from a clause we rate critical, which means it can take your money or your profit rather than only delay it.

Critical7 working daysFee you were not shown. Jump to the clause this comes from.Swap free trading is charged unless you email supportCritical30%Bonus requirement. Jump to the clause this comes from.Every withdrawal costs more than you asked forCritical1 working daysTime to complain. Jump to the clause this comes from.One business day to dispute a trade confirmationCritical5Document deadline. Jump to the clause this comes from.Five failed uploads and verification closes for good

What the documents say

29 clauses worth knowing about, worst first, each quoted from XeOne's own files

01

Nothing in XeOne's contract says how long a withdrawal takes. Clause 2.3 lets XeOne keep any money it owes you until it has received every document it has asked for, and it sets no deadline on either side.

Why this matters

You have no date you can hold XeOne to. If your payout stops, the contract gives you no period to point at, so there is no moment at which XeOne is late.

Exhibit 1CriticalHarder than usual

You agree that we may withhold any monies due to you until we have received all requested CDD documentation.
Clause 2.3 in Client Agreement, p.5
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 5 of 140 in the Client Agreement, near the start.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must hold client money so it can be returned promptly, and must tell a retail client the terms on which it comes back. XeOne's agreement sets no period for paying a withdrawal and lets XeOne hold money back until it has every document it asks for.

XeOne is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 10Verification closes after five failed uploads, and the clause that withholds your money only releases it once XeOne has the documents.
  • Worse together with Exhibit 9You can register from a country XeOne may not accept, deposit, and then find the money held while the country question is settled.
02

You are charged swap on a swap free account until you email support@xeone.com and ask. Swap free then lasts 7 trading days on most instruments, after which a daily administrative fee starts and runs until you close the trade.

Why this matters

No document XeOne publishes states the amount of that daily fee. You cannot work out what holding a position will cost you, and you pay swap in the meantime if you never sent the email.

Exhibit 2CriticalHarder than usual7 working days

At XeOne, we offer Islamic accounts to clients who hold Muslim beliefs, allowing them to enjoy swap-free trading for up to 7 trading days. After 7 days, any open positions will be subject to an administrative fee charged daily until the trade is closed.
Clause 3.c in Terms and Conditions - Swap Free Account, p.3
Read from the broker's site on Open the reference
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must disclose costs and charges to a retail client before that client trades. XeOne's swap free terms create a daily administrative fee and name no amount for it.

XeOne is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

03

The bonus counts toward the margin holding your trade open. If you submit a withdrawal request or an internal transfer while a position is open, XeOne removes the whole bonus from that account, and it accepts no liability if the removal stops you out.

Why this matters

The step you take to get your money is the step that can shut your position. Close your trades before you request anything, because XeOne says it owes you nothing for a stop out caused by the bonus coming off.

Exhibit 3CriticalRarely seen

More specifically, the submission of a withdrawal request or an internal transfer will cause the removal of any previously awarded trading bonus from that particular account.
Clause General Terms 8 in Terms and Conditions - Deposit Bonus Program, p.5
Read from the broker's site on Open the reference
04

Take the 30% deposit bonus and any withdrawal strips bonus in proportion to the balance you take out. In XeOne's own example, a $700 withdrawal leaves the account $840.01 lighter.

Why this matters

You lose $140.01 more than you receive on that example withdrawal, and the bonus itself can never be cashed out. Moving money between your own XeOne accounts triggers the same deduction.

Exhibit 4CriticalHarder than usual30%

Any withdrawal of funds from an Eligible Client's real Account(s) with XeOne will result in proportionate bonus removal depending on the percentage of balance being withdrawn.
Clause General Terms 5 in Terms and Conditions - Deposit Bonus Program, p.5
Read from the broker's site on Open the reference
  • Worse together with Exhibit 3The proportionate deduction applies when no trade is open; with a trade open the whole bonus goes instead, which can stop you out.
05

XeOne's contract names negative balance protection once, in the clause that nullifies it on suspicion alone. No clause anywhere grants it. Clause 20.5 makes you responsible for any losses after your positions are liquidated.

In plain words

Negative balance protection is a limit that stops you owing more than you put in. Without it, one fast market move can leave you owing the broker money on top of your deposit.

Why this matters

If a gap takes your account below zero, you owe the difference and nothing in writing says XeOne will write it off. XeOne's own FAQ says the cure for a negative balance is to deposit again.

Exhibit 5CriticalHarder than usual

You may lose your initial deposit and be required to deposit additional Margin in order to maintain your position. If you fail to meet any Margin requirement your position will be liquidated and you will be responsible for any resulting losses.
Clause 20.5 in Client Agreement, p.17
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 53 of 140 in the Client Agreement, 38% of the way through.

Set against a regulated standard: FCA (UK), CySEC (Cyprus), ESMA (EU)

Firms licensed by the FCA and CySEC, under rules set across the EU by ESMA, must give retail CFD clients negative balance protection on each account, so a loss cannot exceed the money in that account. XeOne's agreement grants no such protection and reserves the right to nullify it.

XeOne is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

06

If XeOne believes you exploited latency in its platform, clause 22.3 lets it void all your trades and hand back only what you deposited, minus anything you withdrew earlier. It then closes your account.

Why this matters

Every profit you made goes, including profit from trades that had nothing to do with the belief. The contract gives you no test to argue against and no appeal from the decision.

Exhibit 6CriticalHarder than usual

Where we believe, in our reasonable judgment, that latency in the trading platform is being unfairly exploited by you, we may at our absolute discretion void all trades and return to you only funds deposited net of any earlier withdrawals - and then close your account.
Clause 22.3 in Client Agreement, p.18
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 51 of 140 in the Client Agreement, 36% of the way through.

  • Worse together with Exhibit 11Once trades are voided and a balance is owed, the set off clause lets XeOne take it from any account you hold, for a debt owed to any group company.

XeOne can void every trade and hand back only what you paid in

Clause 22.3 of XeOne Prime's client agreement lets XeOne void all trades on a belief about latency, returning deposits net of earlier withdrawals. Clause 17.1 lets XeOne take money from your balance for a debt owed to any group company, without notice. A clause added to the partner agreement also freezes a referred client's account in read only mode on suspicion.

When profit is removed3 clauses flagged

XeOne can take money from your balance at any time, without telling you, for anything you owe it or any Group Company. The debt can be a future one, it can be unquantified, and it need not arise under this contract at all.

Why this matters

Money you can see in your account is not reliably yours. XeOne's own definition of Group covers sister companies that have not been incorporated yet, so the list of companies whose claims can reach your balance is open ended.

Exhibit 11CriticalRarely seen

We may at any time, without notice to you, set-off any liability we have to you against any liability (including without limit any loss) you owe to us or any Group Company, whether any such liability is present or future, liquidated or unliquidated, under these terms or not and irrespective of the currency or its denomination.
Clause 17.1 in Client Agreement, p.15
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 40 of 140 in the Client Agreement, 29% of the way through.

A sentence added to XeOne's partner agreement since 2023 puts a referred client's account into read only mode on suspicion of fraud, until an investigation XeOne does not time finishes. The same clause lets XeOne recover rebates it has already paid by any means necessary.

Why this matters

Read only means you can see your balance and cannot act on it. You never signed the partner agreement and cannot read the rule that stops you trading or withdrawing.

Exhibit 13CriticalRarely seenNew

The company will also revoke any rebates generated, and recovering the paid rebates by any means necessary. Client account that are suspected in doing the fraudulent will be placed in a read-only mode until further investigation is complete.
Clause 3.2.i in Introducer Broker Agreement, p.5
Read from the broker's site on Open the reference

Where it sits: section 5 of 27 in the Introducer Broker Agreement, near the start.

A section added to XeOne's partner agreement since 2023 pays no commission on a referred client's trade unless the position stays open for at least two minutes. Partial closes, hedges and reversals inside that window all count as ineligible.

Why this matters

You cannot control how long the people you refer hold a trade, so a scalping client earns you nothing. XeOne also reserves the right to amend or suspend the rule whenever it likes.

Exhibit 23WarningHarder than usualNew

If the position is closed within two minutes (including partial close), the trade will be deemed ineligible for any fee, and no commission will be paid to the IB for that trade.
Clause 7.5.a.2 in Introducer Broker Agreement, p.10
Read from the broker's site on Open the reference

Where it sits: section 11 of 27 in the Introducer Broker Agreement, 41% of the way through.

One business day to dispute a trade, one year to sue

Clause 18.1 of XeOne Prime's client agreement makes a trade confirmation binding unless you object within one business day. The terms of business then bar any action brought more than one year after the cause arose, and waive your right to a jury or another venue. XeOne's own documents give two different deadlines before you may go to the regulator.

Time limits4 clauses flagged

You get one business day from the moment XeOne sends a trade confirmation to object in writing. Miss it and the confirmation is treated as conclusive and binding on you.

Why this matters

A wrong price or a wrong size becomes final before most people have checked their statement. Spot it on Wednesday for a Monday trade and the contract says you already agreed.

Exhibit 7CriticalHarder than usual1 working days

The content of our confirmations will, in the absence of a clear error, be deemed conclusive and binding on you unless you object in writing to us as soon as possible, and at latest within one Business Day of despatch.
Clause 18.1 in Client Agreement, p.15
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 41 of 140 in the Client Agreement, 29% of the way through.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must accept a retail complaint long after the event and investigate it. XeOne treats a trade as agreed if you have not objected in writing within one business day.

XeOne is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 8One business day settles whether you agreed to the trade, and one year settles whether you can still sue about it.

You cannot bring any action against XeOne more than one year after the cause arose. The same clause makes you waive a jury trial and waive the right to move the case anywhere other than Mauritius.

Why this matters

A problem you discover in year two cannot be taken to court at all. Even inside the year, you would be suing in Mauritius, whatever country you live in.

Exhibit 8CriticalHarder than usual365 days

No action, regardless of form, arising out of or relating to this agreement or transactions hereunder may be brought by Client more than one year after the cause of action arose.
Clause 25 in Terms of Business, p.12
Read from the broker's site on Open the reference

Buried at section 57 of 60 in the Terms of Business, 95% of the way through.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC give retail clients access to an independent complaints body, and national law gives years to bring a claim. XeOne's terms bar any action more than one year after the cause arose and name Mauritius courts as the only forum.

XeOne is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

XeOne's complaints policy promises a final answer within 30 business days, then points you to the Financial Services Commission. Its anti money laundering manual says you must wait 60 working days before you can take a complaint there.

Why this matters

You cannot tell from XeOne's own documents when your right to escalate begins. On the longer of the two figures, that is about three months of waiting before the regulator will look at it.

Exhibit 20WarningHarder than usual60 working days

A final response should be provided to the customer within thirty (30) business days at the latest from the date he/she submitted his complaint.
Quoted in Complaint Handling Policy, p.3
Read from the broker's site on Archived copyOpen the reference

XeOne's website footer gives its registered office as Office 215, Block B, The Junction Business Hub, Calebasses. The client agreement and the complaints policy both give 3 Emerald Park, Trianon, Quatre Bornes.

Why this matters

Written notice under clause 42.3 has to go to the address in the agreement. If you send a legal letter to the address on the website instead, XeOne can say it was never served.

Exhibit 29NoticeHarder than usual

Its registered office is at 3 Emerald Park, Trianon, Quatre Bornes 72257, Republic of Mauritius.
Clause 1.1 in Client Agreement, p.4
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 3 of 140 in the Client Agreement, near the start.

XeOne promises to surpass regulatory standards on client funds, then disclaims the shortfall

XeOne Prime's about page promises the utmost security and protection of client funds. Clause 32.3 says XeOne is not responsible if the bank holding your money fails. The site footer suggests only professional clients can lose more than they deposit, while clause 20.5 makes you responsible for any losses after liquidation.

Claims against clauses1 clause flagged

XeOne's about page promises the utmost security and protection of client funds by surpassing regulatory standards. Clause 32.3 says XeOne is not responsible for any shortfall or loss if a bank or broker holding your money fails.

Why this matters

Your money sits in a pooled account with other clients, and you would get a share of whatever is left. No compensation scheme is named in any XeOne document, so a shortfall has nobody behind it.

Exhibit 14CriticalHarder than usual

We will not be responsible for any acts, omissions or default (including the insolvency, administration, bankruptcy or similar event) of the third party banks or brokers for any resulting shortfall or loss in the return of your money.
Clause 32.3 in Client Agreement, p.24
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 72 of 140 in the Client Agreement, 51% of the way through.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must keep client money separate and sit behind a statutory compensation scheme that pays out if the firm fails. XeOne pools client money, disclaims responsibility for a shortfall caused by a bank failure, and names no compensation scheme.

XeOne is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

XeOne advertises 1:2000 leverage and can cut it to 1:100 for using it

Clause 22.5 of XeOne Prime's client agreement treats full margin usage as leverage abuse. The penalty is a leverage cap of 1:100 or 1:200 across all your accounts, against the 1:2000 the site advertises. XeOne also tells you to check an acceptable country list before registering, and publishes no such list.

What XeOne can change3 clauses flagged

XeOne tells you to check the latest acceptable country list before you register, and publishes no such list. Its partner agreement defines Restricted Regions as any country XeOne does not accept clients from, and then never names one.

Why this matters

You cannot tell before depositing whether XeOne will keep your account. The registration form offers Iran, Syria, North Korea and Cuba in its country menu, while the anti money laundering manual promises screening against the OFAC, United Nations and European Union sanctions lists.

Exhibit 9CriticalHarder than usual

Restricted Regions means any country from where the Company does not accept Clients;
Clause 19 in Introducer Broker Agreement, p.21
Read from the broker's site on Open the reference

Buried at section 24 of 27 in the Introducer Broker Agreement, 89% of the way through.

XeOne advertises maximum leverage of 1:2000. Clause 22.5 treats full margin usage and a high leverage account as leverage abuse, and the penalty is a cap of 1:100 or 1:200 applied across all your accounts.

Why this matters

Trading the way the advertisement invites you to is the behaviour the clause calls abuse. A cap landing on every account you hold can force you to add margin or watch positions close.

Exhibit 18WarningHarder than usual2000

Leverage Abuse; The nature of using high leverage account and trading/betting with a full margin usage or with very high-risk trading can result in Maximum Leverage Restriction being applied to all the client account with a Maximum of 1:100 or 1:200 leverage depending on the severity of the risk that is applicable.
Clause 22.5 in Client Agreement, p.18
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 52 of 140 in the Client Agreement, 37% of the way through.

XeOne's bonus terms let it disqualify you immediately if your registration or trading data matches another participant's, with IP address named as an example. Family members are defined to include brothers, sisters, spouses, ancestors and descendants.

Why this matters

Two people in one house trade from the same connection, so a partner or a sibling taking the same bonus can cost you yours. XeOne's FAQ meanwhile invites you to open five accounts on one profile.

Exhibit 22WarningHarder than usual

If the registration and / or trading data of a participant in the "Deposit Bonus Program" corresponds with the registration and / or trading information, including but not limited to IP address, of another participant in the "Deposit Bonus Program", the Company reserves the right to regard this matching as a reason for immediate disqualification.
Clause Conditions of Eligibility 4 in Terms and Conditions - Deposit Bonus Program, p.2
Read from the broker's site on Open the reference
  • Worse together with Exhibit 4Disqualification pulls the bonus, and pulling the bonus is what makes a withdrawal cost more than you asked for.

XeOne's PAMM agreement answers to Seychelles law and a court that does not exist

Clause 11.3 of XeOne Prime's PAMM agreement picks the substantive laws of the Republic of Seychelles. It then names the courts of FSA and the Grenadines as the exclusive forum. The client agreement for the same client picks Mauritius law and the courts of Mauritius.

Which court1 clause flagged

The PAMM agreement picks the law of Seychelles and names the courts of FSA and the Grenadines as the only place to bring a PAMM dispute. The client agreement for the same client picks Mauritius law and the courts of Mauritius.

Why this matters

If your money is in a PAMM account you cannot work out which court hears your claim. The forum the document names is not a court anywhere, and the two agreements you signed point at two different countries.

Exhibit 12CriticalRarely seen

These Terms and Conditions settled and shall be construed in accordance with the substantive laws of the Republic of Seychelles. The parties hereby agree to the exclusive jurisdiction of the courts of FSA and the Grenadines in respect of any dispute arising under these Terms and Conditions.
Clause 11.3 in PAMM Agreement, p.7
Read from the broker's site on Open the reference

Five failed uploads and verification closes, while XeOne holds your money

XeOne Prime's FAQ gives you five attempts to upload correct documents before you can no longer pass verification. Clause 2.3 lets XeOne withhold any money it owes you until it has all the documentation it asked for. Registering also consents you to the transfer of your personal data to third parties.

Documents and data2 clauses flagged

XeOne's verification gives you 5 attempts to upload correct documents. After that, its own FAQ says you will not be able to pass verification, while clause 2.3 keeps your money until XeOne has everything it asked for.

Why this matters

A blurred passport photo five times over can leave your deposit sitting in an account you cannot verify and cannot empty. The contract sets no deadline for resolving it and names no route out.

Exhibit 10CriticalHarder than usual5

You authorise us or any agent to investigate your identity, credit standing and/or any current and past investment activity, and in connection with such investigations, to contact such banks, brokers, and others as we shall deem appropriate.
Clause 2.2 in Client Agreement, p.5
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 5 of 140 in the Client Agreement, near the start.

Opening a client area consents to the distribution and transfer of your personal data to third parties. A later clause lets XeOne use ideas, methods, marketing designs and know how from your emails without any further obligation to you.

Why this matters

The privacy policy sets no retention period and names no right to have your data deleted. XeOne's client agreement also allows your data to leave Mauritius for countries with weaker privacy law.

Exhibit 26WarningHarder than usual

By registering a Personal Area, you agree to have your personal data processed and specifically consent to the collection, systemization, aggregation, storage, revision (updating, changing), usage, anonymization, blocking, deletion, and distribution (transfer) of said personal data to third parties in accordance with the conditions set forth in this Privacy Agreement.
Clause 1.1 in Privacy Policy, p.2
Read from the broker's site on Open the reference

Where it sits: section 3 of 23 in the Privacy Policy, near the start.

XeOne's contract names no price for anything it charges

XeOne Prime charges swap free accounts a daily administrative fee after 7 trading days and never states the amount. Clause 26.1 makes every charge XeOne incurs payable by you, at times XeOne decides. Clause 7.4 sends you to the website for the commission rate, and clause 45 lets XeOne change that website at any time without notice.

Cost disclosure3 clauses flagged

You agree to fees XeOne has not written down. Clause 26.1 makes every charge XeOne incurs payable by you at times XeOne decides, and clause 7.4 says that if XeOne never tells you the commission terms it will charge whatever rate the website shows.

Why this matters

The only price list is a web page, and clause 45 lets XeOne change that page at any time without notice. Clause 4.2 also warns there is no limit on how wide the spread you pay can get.

Exhibit 15WarningHarder than usual

Our fees and charges will be notified to you in writing from time to time. Charges and expenses incurred by us pursuant to this Agreement (including but not limited to applicable taxes and duties) are payable by you and by such payment arrangements at such times as we shall determine.
Clause 26.1 in Client Agreement, p.21
Read from the broker's site on Archived copyOpen the reference
Our own capture of xeone.com, taken on Oct 5, 2026The claim, on Promotional line in the footer of every page on xeone.comVisit this page on the broker's siteDownload the full size image file

Where it sits: section 61 of 140 in the Client Agreement, 44% of the way through.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must disclose costs and charges to a retail client before that client trades. XeOne's agreement sets out no fee, rate or amount and points to a website it can change without notice.

XeOne is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Same clause as Exhibit 16Clause 26.1 both leaves the price blank and makes whatever XeOne spends on your transfers payable by you.

XeOne's fees page leads with zero withdrawal fees. Its deposits page says crypto transfer fees are not covered, and its FAQ adds international bank wires to that list. Clause 26.1 makes charges XeOne incurs payable by you.

Why this matters

A Standard account you can open with $15 has a $40 minimum withdrawal, so a small balance cannot come out at all. XeOne also publishes three different minimum deposits for the same account across three of its own pages.

Exhibit 16WarningHarder than usual$40

Charges and expenses incurred by us pursuant to this Agreement (including but not limited to applicable taxes and duties) are payable by you and by such payment arrangements at such times as we shall determine.
Clause 26.1 in Client Agreement, p.21
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 61 of 140 in the Client Agreement, 44% of the way through.

If XeOne's hedging is disrupted, clause 13.2 makes you liable for the increased costs, including the cost of unwinding or rebuilding the hedge. XeOne can take those costs straight out of your account.

In plain words

On a principal basis, as your counterparty, means the broker takes the other side of your trade itself. Your loss is then the firm’s gain, so it has an interest in how your trade ends.

Why this matters

The clause applies even when the disruption comes from XeOne's own counterparty failing. If you do not pay on time, the contract treats that as an event of default against you.

Exhibit 19WarningHarder than usual

Irrespective of whether such hedging disruption arises directly or indirectly from the failure of a hedging counterparty to perform its obligations or otherwise, you will be liable to us for any increased costs or expenses resulting from such hedging disruption (including any costs of unwinding, establishing or re-establishing a hedge). We may, upon notification of such costs to you, deduct them from your account or demand payment.
Clause 13.2 in Client Agreement, p.13
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 33 of 140 in the Client Agreement, near the start.

No document XeOne publishes says how long a withdrawal takes

XeOne Prime's FAQ promises 24 hours. The client agreement sets no period at all. Clause 2.3 lets XeOne hold back any money it owes you until it has every document it has asked for. You also cannot see which payment routes are open to you until after you have registered.

Getting paid1 clause flagged

XeOne's deposits page says the available methods change by country and tells you to look in your client profile. You have to register and verify before you can see how money would reach you.

Why this matters

Money must leave by the route it arrived, so a crypto deposit locks you into a crypto payout until you exceed the amount you put in. XeOne can also limit your withdrawal options at its own discretion.

Exhibit 24WarningHarder than usual

XeOne shall perform deposit/ withdrawal transactions only between Client's XeOne account and another account which is held in Client's name or of which Client clearly demonstrates ownership to XeOne.
Clause 24 in Terms of Business, p.12
Read from the broker's site on Open the reference

Buried at section 56 of 60 in the Terms of Business, 93% of the way through.

  • Only applies after Exhibit 1A route you cannot see before registering, with no deadline attached to it, leaves nothing for you to hold XeOne to.

The 30% deposit bonus makes a withdrawal cost more than you asked for

XeOne Prime's own example shows a $700 withdrawal taking $840.01 out of the account. The extra $140.01 is the bonus coming back. If a trade is still open when you ask to withdraw, the whole bonus goes, and that bonus was holding your margin.

Bonus conditions1 clause flagged

One sentence in XeOne's bonus terms says Standard, Raw and Pro accounts cannot join the programme, then says the Standard Account Bonus is eligible. The same document offers 30% and 15% without saying which rate applies to you.

Why this matters

You cannot work out from the terms whether your account qualifies or what percentage you would get. A country footnote lists rest of world as eligible and then reserves XeOne's right to deny any country not listed.

Exhibit 21WarningHarder than usual

The "Deposit Bonus Program" may be offered by the Company, from time to time, to clients who open real trading accounts with the Company (Standard, Raw, And Pro trading accounts are not eligible to participate in the "Program" , Standard Account Bonus is eligible for the "Deposit Bonus Program" )
Clause Conditions of Eligibility 2 in Terms and Conditions - Deposit Bonus Program, p.2
Read from the broker's site on Open the reference

XeOne is your counterparty and will not warrant its own prices

Clause 1.2 of XeOne Prime's client agreement makes XeOne the principal in your trade. Clause 28.3 then declines to warrant that the prices on its platform are the best prevailing market prices for retail investors. XeOne provides its conflicts of interest policy only on request.

Who is on the other side1 clause flagged

XeOne deals with you as principal, which means it is on the other side of your trade. Clause 28.3 then declines to warrant that the prices on its platform are the best prevailing market prices for retail investors.

Why this matters

The firm quoting your price profits when that price moves against you. XeOne's conflicts of interest policy is available only on request, and no order execution policy is published at all.

Exhibit 25WarningHarder than usual

We will deal with you as principal unless we inform you that we are dealing with you as agent generally or with respect to any transaction or class of transactions.
Clause 1.2 in Client Agreement, p.4
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 65 of 140 in the Client Agreement, 46% of the way through.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must publish an order execution policy, give retail clients their conflicts of interest policy, and take all sufficient steps to get the best result on execution. XeOne provides its conflicts policy on request and publishes no order execution policy.

XeOne is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 28The two documents that would explain how XeOne handles this conflict are the ones it does not publish.

After 180 days XeOne can start a monthly fee it has never priced

Clause 27.1 of XeOne Prime's client agreement treats your account as inactive after 180 calendar days with no trade. Clause 27.3 then allows a monthly fee, with the amount left blank in every document. At six years without movement, clause 32.8 lets XeOne stop treating your balance as client money.

In plain words

Dormancy means an account left unused.

Dormancy1 clause flagged

After 180 calendar days without a trade or an open position, XeOne treats your account as inactive. Clause 27.3 then allows a monthly fee, and no document XeOne publishes says how much it is.

Why this matters

You cannot budget for a charge with no number. At six years without movement, clause 32.8 lets XeOne stop treating your balance as client money and release it from the client money account.

Exhibit 17WarningHarder than usual180 days

Where no activity has occurred on your account for 180 calendar days or more ("qualifying charging period"), your account will be deemed inactive.
Clause 27.1 in Client Agreement, p.21
Read from the broker's site on Archived copyOpen the reference

Where it sits: section 63 of 140 in the Client Agreement, 45% of the way through.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must disclose a dormancy charge, including its amount, before a retail client signs up. XeOne states the trigger at 180 days and leaves the amount blank in every document.

XeOne is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Day 180XeOne treats the account as inactive.27.1
After day 180A monthly inactivity fee can start, in the account's own currency. The amount is not stated. XeOne promises advance notice.27.3
Six years with no movementXeOne can stop treating your balance as client money and release it, after taking reasonable steps to trace you.32.8.2
  • Worse together with Exhibit 16A balance under the $40 minimum withdrawal cannot be taken out, and the dormancy clock runs on it anyway.

The document XeOne calls its risk disclosure is its internal risk register

XeOne Prime's registration page asks you to agree to a Risks Disclosure Policy. The file behind that link is XeOne's Risk Management Policy, written about the risks the company faces and how it mitigates them. The agreement also names four policies, including a cookie policy and an order execution policy, that are not on XeOne's legal shelf.

What is published2 clauses flagged

XeOne's registration page asks you to agree to a Risks Disclosure Policy. The file behind that link is XeOne's Risk Management Policy, written about the risks the company itself faces and how it plans to mitigate them.

Why this matters

The document you tick is addressed to XeOne's board, not to you, and it does not explain what trading on leverage can cost you. XeOne's legal shelf also offers its staff IT security rules as a client document.

Exhibit 27WarningHarder than usual

The following analysis refers to the risks confronted by the Company and the strategies employed for their mitigation or elimination.
Quoted in Risk Management Policy, p.4
Read from the broker's site on Open the reference

Where it sits: section 13 of 66 in the Risk Management Policy, near the start.

XeOne's terms of business bind you to a Cookie Policy and a Liquidity Guidelines Policy, and to any other policy published on its website. Neither of those two is on XeOne's legal shelf, and nor is the Order Execution Policy its client agreement points at.

Why this matters

You agree to rules you cannot read, and the same clause pulls in future policies automatically. The conflicts of interest policy is offered only if you ask for it.

Exhibit 28NoticeHarder than usual

The Agreement incorporates the Privacy Policy, the Cookie Policy, the Risk Disclosure Policy, the Liquidity Guidelines Policy as well as any other policies published on the website of the Company by reference.
Quoted in Terms of Business, p.2
Read from the broker's site on Open the reference

Where it sits: section 3 of 60 in the Terms of Business, near the start.

Where the marketing and the contract disagree

A promise made in public, set against the clause that governs it

01

The FAQ promises 24 hours while the contract sets no deadline and lets XeOne hold the money until it has every document.

Said in public, in English

Withdrawal requests will be processed and reflected to your account within 24 hours.

Answer under the Deposit and Withdrawal tab of the FAQ page

In the contract · clause 2.3

You agree that we may withhold any monies due to you until we have received all requested CDD documentation.

02

XeOne advertises instant withdrawals and reserves the right to limit how you can withdraw at all.

Said in public, in English

Instant deposits and withdrawals

Bullet under Why XeOne Partner Program on the partnership page

In the contract · clause 24

In order to prevent money laundering, fraud, and other unauthorized activity, XeOne may limit Client's withdrawal options.

03

The Fees page says swap has been eliminated, and the swap free terms charge you until you email support to ask for it.

Said in public, in English

Swap fees have been eliminated for most instruments - major currencies, stocks and gold *.

Islamic Account Options panel on the Fees page, where the asterisk has no footnote

In the contract · clause 3.e

To avail of these offers, clients need to request support by emailing support@xeone.com. Otherwise, swap-free trading accounts, whether for 7 days or lifetime, will be charged until the client requests support.

04

Swap free is presented as an account feature, while the terms cap it at 7 trading days and then charge a daily fee of no stated amount.

Said in public, in English

Swap-free * Available

Account Features comparison table, listed for all three account types

In the contract · clause 3.c

At XeOne, we offer Islamic accounts to clients who hold Muslim beliefs, allowing them to enjoy swap-free trading for up to 7 trading days. After 7 days, any open positions will be subject to an administrative fee charged daily until the trade is closed.

05

Every page promises zero commission while the contract charges whatever rate the website happens to show.

Said in public, in English

Build wealth by trading in over 120 instruments on our lightning-fast trading platforms at zero commission.

Promotional line in the footer of every page on xeone.com

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of xeone.com

In the contract · clause 7.4

Our commission terms will be notified in writing to you, however, in the event that we do not notify you of the commission terms, we will charge the standard commission rate as published on our Website.

06

The Fees page says XeOne absorbs payment provider charges and the contract makes every charge XeOne incurs payable by you.

Said in public, in English

XeOne charges no commissions on deposits or withdrawals. However, some third-party payment providers may impose a charge for these transactions, in which case we pay the fee on your behalf to ensure you don't have to worry about it.

About XeOne fees section of the Fees page

In the contract · clause 26.1

Charges and expenses incurred by us pursuant to this Agreement (including but not limited to applicable taxes and duties) are payable by you and by such payment arrangements at such times as we shall determine.

07

The footer attributes above deposit losses to professional clients, while the retail terms make you responsible for any losses after liquidation.

Said in public, in English

Professional clients losses can exceed their deposits.

Risk Disclaimer in the footer of every page on xeone.com

In the contract · clause 20.5

You may lose your initial deposit and be required to deposit additional Margin in order to maintain your position. If you fail to meet any Margin requirement your position will be liquidated and you will be responsible for any resulting losses.

08

The FAQ cure for a negative balance is to deposit again, and the only clause naming negative balance protection is the one that cancels it.

Said in public, in English

Your account balance will be resetted automatically when you make a new deposit.

Answer to the negative balance question under the Deposit and Withdrawal tab

In the contract · clause 22.6

fraud, manipulation, cashback arbitrage connected to an Adjustment or any other forms of deceitful or fraudulent activity, will nullify the NBP and the NBP will not be actioned.

09

XeOne advertises 1:2000 and treats use of a high leverage account as abuse, with a cap of 1:100 as the penalty.

Said in public, in English

Take a leverage of up to 1:2000 to earn potentially high profits with a marginal investment.

Why trade Currency with XeOne panel on the forex trading page

In the contract · clause 22.5

Leverage Abuse; The nature of using high leverage account and trading/betting with a full margin usage or with very high-risk trading can result in Maximum Leverage Restriction being applied to all the client account with a Maximum of 1:100 or 1:200 leverage depending on the severity of the risk that is applicable.

10

The FAQ ties 180 days to archiving empty accounts and never mentions that a funded account can start paying a monthly fee.

Said in public, in English

Trading accounts with zero balance for a period of more than 180 days will be archived.

Answer under the Trading tab of the FAQ page, the only place the site mentions 180 days

In the contract · clause 27.3

In such cases, a monthly inactivity fee may be applied to your account at some stage in the future and in accordance with the designated currency of your account. XeOne Prime will notify clients in advance should such a fee become payable.

11

XeOne tells you to check a country list before registering, and the only definition it publishes names no country.

Said in public, in English

XeOne Prime does not accept registrations from residents of restricted jurisdictions. Please check the latest acceptable country list before registering.

Restricted Jurisdictions notice in the footer of every page on xeone.com

In the contract · clause 19

Restricted Regions means any country from where the Company does not accept Clients;

12

Verification closes after five failed uploads, and the contract holds your money until XeOne has the documents you can no longer send.

Said in public, in English

During the check you have 5 attempts to upload correct documents or provide relevant data. Otherwise, you will not be able to pass verification.

Answer under the Account tab of the FAQ page

In the contract · clause 2.3

You agree that we may withhold any monies due to you until we have received all requested CDD documentation.

13

XeOne claims to surpass regulatory standards on client funds and disclaims responsibility for the shortfall if the bank holding them fails.

Said in public, in English

Furthermore, we ensure the utmost security and protection of client funds by surpassing regulatory standards.

Closing paragraph of the About XeOne Prime page

In the contract · clause 32.3

We will not be responsible for any acts, omissions or default (including the insolvency, administration, bankruptcy or similar event) of the third party banks or brokers for any resulting shortfall or loss in the return of your money.

14

The partnership page promises real time commission and the agreement pays nothing on a trade closed inside two minutes.

Said in public, in English

Earn real-time commission in your trading account.

Step 3 of the Become XeOne Partner panel

In the contract · clause 7.5.a.2

If the position is closed within two minutes (including partial close), the trade will be deemed ineligible for any fee, and no commission will be paid to the IB for that trade.

15

The registration page calls the document a Risks Disclosure Policy and the document describes the risks the company faces.

Said in public, in English

I have read and agree to the Terms and Conditions, Client Agreement, Privacy Policy, Risks Disclosure Policy, AML/CFT Manual, and Complaint Handling Policy.

Consent line above the Create Account button, where Risks Disclosure Policy links to XeOne_risk_management_policy.pdf

In the contract

The following analysis refers to the risks confronted by the Company and the strategies employed for their mitigation or elimination.

16

You cannot see your payment options until you have registered, and XeOne can narrow them afterwards at its own discretion.

Said in public, in English

The methods for deposit and withdrawal may defer based on your residential country and jurisdiction. To view the available payment options, please check your client profile.

Point 2 of the general procedures on the Deposits and Withdrawals page

In the contract · clause 24

In order to prevent money laundering, fraud, and other unauthorized activity, XeOne may limit Client's withdrawal options.

What changed quietly

This is our first reading of XeOne Prime, so there is no earlier version of this page to compare it against. One of its documents has moved since 2023: the partner agreement now claws back paid rebates and freezes a referred client's account in read only mode, caps commission on trades held under two minutes, and has switched from the law of Seychelles to the law of Mauritius.

  • ADDEDClause 3.2.i · 2023-03-29 to undated

    Two sentences were added that claw back rebates already paid and freeze a referred client's account in read only mode on suspicion.

    i. if the Company decides, in its sole discretion, that the IB engaged in any activity in breach of this section 3, the Company reserves the right to terminate these Terms immediately under section 13.The company will also revoke any rebates generated, and recovering the paid rebates by any means necessary. Client account that are suspected in doing the fraudulent will be placed in a read-only mod

  • ADDEDClause 7.5 · 2023-03-29 to undated

    A whole new section now withholds partner commission on any referred trade that closes within two minutes.

    For all trades placed by clients referred by the Introducing Broker (IB), a fee will be paid to the IB only if the client's position is open for a minimum of two (2) minutes.

  • REWRITTENClause 18.5 · 2023-03-29 to undated

    The partner agreement moved from Seychelles law to Mauritius law, while the PAMM agreement still names Seychelles.

    These Terms are governed by the laws of Mauritius

  • REWRITTENClause 3.2.e.vii · 2023-03-29 to undated

    The 2023 copy of this agreement named another broker, Monaxa, in several clauses; those names now read XeOne.

    vii. place links to the XeOne Website (other than the Banners and Text Links that the Company has provided) in commercial electronic messages, display advertising networks, counters, guest books, forums, blogs, chat rooms or other similar internet resources, or in any media publication, forum, website or platform that has not been approved by the Company;

The documents this reading is based on

11 files, all published by XeOne. Each shows when we read it and a fingerprint of its wording.

WIKILIX keeps the copy of each file it read, and does not republish it: what is published is the fingerprint of its wording. Download the file yourself and hash its text, lowercased with runs of whitespace collapsed, and a matching fingerprint means the wording quoted above is still the wording XeOne publishes.

How this reading was done

Every clause above was read out of a document XeOne publishes itself

This reading was published on .

Documents
10 of 11downloaded from the broker's site, and 10 read in full
Pages opened
35pages walked to find those documents, footer links included
Older copies
2earlier versions downloaded, 1 identical to the copy we hold by fingerprint
Marketing pages
10public pages set against what the contract says
Position measured
22clauses whose position was counted: which numbered section of the document holds them, out of how many

Who the contract is with

XeOne Prime

You contract with XeOne Prime, a private company limited by shares in Mauritius, at registration number GB23201851. XeOne uses that one number for two things. Its own pages say it is authorised by the Financial Services Commission in Mauritius with registration number and investment dealer licence number GB23201851. The anti money laundering manual describes the licence as Investment Dealer (Full Service Dealer excluding underwriting). No other company in the XeOne Group is named anywhere. The agreement still defines Group to include sister companies not yet incorporated. The PAMM agreement puts PAMM disputes under the law of Seychelles instead. No compensation scheme is named in any document.

Quotations are copied verbatim from the documents named above, with the clause number and the page each one came from. Where a clause is quoted in another language, the original is shown first and the English is a translation.

The plain-language parts, what a clause means for a client, how ordinary it is, and how it reads against a regulated standard, are WIKILIX's analysis and are labelled as such on every card. This is a reading of public documents, not legal advice and not an allegation of wrongdoing.

In fairness, and what we could not check

A reader who knows the edges of the work can trust the middle of it

Clause 32.5 states plainly that XeOne Prime hedges with its own money. It says XeOne does not pass client money to hedging counterparties or use it as working capital, and does not take speculative positions. Few brokers put that in writing. XeOne also publishes its full 92 page anti money laundering manual, a margin call level of 60%, a stop out level of 30%, and average spreads and swap rates for each instrument. Clause 23.1 warns you off automated trading robots rather than selling them. Every document downloads free, with no account needed.

We did not read the annexes at the end of XeOne's 92 page anti money laundering manual. Everything else we read in full. That includes the deposit bonus terms and the swap free terms, both published as PDFs on XeOne's licences page. No earlier copy exists for the client agreement, the terms of business, the complaints policy, the privacy policy or the PAMM agreement. For those, this is a first reading with nothing to compare against. XeOne publishes its site in English only, so there was no second language to hold the marketing against. The agreement names an order execution policy, a conflicts of interest policy, a cookie policy and a liquidity guidelines policy. We found none of the four. No document we read gives the amount of the inactivity fee or of the swap free administrative fee.

How to check any of this yourself

Every quote above links to the XeOne file it came from. This is what to do with it.

Open the three stepsFind the words in the source, work out the fingerprint, and read what a difference does and does not prove.

Open the source and search for the words

Every quote has a link under it. Open the file, or the web page, and search it for the words we quote. The clause number next to the quote tells you where to look.

If the words are not there any more, the source may have changed after we read it. That is worth knowing too. We keep the date we read it, and a code worked out from its wording, so the quote stays checkable.

What a fingerprint is

A fingerprint is a code worked out from what a source says. Change one word and the code changes completely. We keep two codes for every file we read, and the panel on each source shows both.

The first is the code of the exact file we downloaded. The second is the code of its wording alone, with capital letters lowered and runs of spaces collapsed. When the same words are saved as a new file, the first code changes and the second one stays the same.

Only the first code can be worked out on your own computer. Save the file, then run one of these, putting the name of the file you saved where the example is. The panel on each source prints the command with that source's real file name already in it.

macOS or Linux:
  shasum -a 256 the-file-you-saved.pdf

Windows:
  certutil -hashfile the-file-you-saved.pdf SHA256

The two codes are different from each other, and they are not meant to match. Comparing one against the other proves nothing.

What a difference means, and what it does not

A different file code on its own proves nothing. A PDF saved again with a new date inside it is a new file saying exactly the same thing.

A different wording code means the words themselves changed. That is the one that matters, and it is why we keep it.

Even then, a change is not proof of bad faith. Companies update their documents. What this report says is what the document said on the day we read it, and every quote carries that date.

A source that is a web page and not a file has no file to save, so only the code of its wording is shown.

How this report is made

Every clause quoted above comes from a document XeOne publishes on its own website, downloaded and hashed on the date shown, with the clause number and page recorded so any reader can check it. We do not allege anything the documents do not say, and we do not judge XeOne on anything other than its own published terms and its own public marketing. Where a clause has a qualifier that softens it, the report says so. Last read Oct 5, 2026.

If you represent XeOne and a clause has changed, been withdrawn, or is being read out of context, tell us and we will re-read the documents and update this page. Corrections from the broker are welcome and are published with the reading they change. Contact us.

This is a reading of a contract, not legal advice and not a ruling on XeOne. Whether its licence is real and current is a separate check on the broker profile.

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