What is a "Unified Account"?

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What is the "Unified Account" on KuCoin?

The Unified Account, officially the "Unified Trading Account" (UTA), is a next-generation margin management system designed for traders. With just one account, you can seamlessly access spot trading, margin trading (coming soon), and futures trading, enabling you to share margin and maximize the use of your assets. Currently, the Unified Account on KuCoin uses the "Multi-Currency Margin Mode" (with plans to support the "Single-Currency Margin Mode" in the future). This mode offers much higher capital efficiency compared to the classic account structure.

With the Unified Account, you can:

Trade smoothly without moving funds between spot and futures accounts.
Offset profits and losses across products, minimizing risk exposure.
Use multiple cryptocurrencies as margin, adding flexibility to your trades.

What is the Multi-Currency Margin Mode?

The Multi-Currency Margin Mode is an essential feature of the Unified Trading Account, allowing users to use multiple cryptocurrencies as margin. With the collateral currency haircut system, assets in different cryptocurrencies can contribute to your margin balance, improving capital efficiency and enhancing the flexibility of your trading strategies. Key features of Multi-Currency Margin Mode:

Multi-currency margin: You can use assets like BTC, ETH, USDT, and others as margin, based on their respective haircuts.
Profit and loss offsetting: You can offset profits and losses from different products and currencies, reducing your overall risk.

For more details, please refer to the Unified Account - Cross Margin Trading Rules for Multi-Currency Margin Mode.

Why choose the "Unified Account"?

Maximized capital efficiency: One pool of funds for all types of trades, reducing idle assets and boosting returns.
Seamless trading experience: Spot, margin, and futures trading are seamlessly integrated.
Efficient risk management: Offset profits and losses across products, with centralized fund management.
Multi-currency margin: Use BTC, ETH, USDT, and others as margin.
Smart risk control: A multi-layer protection system keeps your funds safe.

What is the difference between the "Unified Account" and the Classic Account?

R	Classic Account	Unified Trading Account
Structure	Spot, margin, and futures trading belong to different accounts, managed independently	A single account manages spot, margin, and futures trading
Funds Transfer	Manual transfers are required between the different accounts	No transfers required since a single capital pool is shared by all trading functions
How Margin Works	Each account has an independent margin balance that cannot be shared	Margin is cross-currency and can be shared
PNL Calculation	Calculated within a single settlement currency only	The PNL across different trading products can offset each other
Capital Efficiency	Some assets may remain idle, limiting capital utilization	Capital efficiency is higher and asset use is maximized
Risk Management	Risk is isolated per account with stronger separation	Risk control is centralized, with multi-layered risk management
Assets Supported	Only currencies that are used for futures settlement can be used as margin	BTC, ETH, USDT, and other assets can be used as margin (collateral haircut and conversion rates apply)
Who It's For	Those who prefer stricter asset separation with independent accounts	Those who prioritize higher capital efficiency and flexibility

Summary

Classic Account: Simple structure, isolated assets, ideal for traders who prefer to manage risk separately.
Unified Account: More efficient, smarter risk control, designed for professional and high-frequency traders.

How to upgrade to Unified Account mode?

Check this guide: How to Upgrade to Unified Account Mode?