What is a "Unified Account"?

Last updated: 12/09/2025

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?

Dimension	Classic Account	Unified Trading Account
Account Structure	Spot, margin, and futures are in separate accounts and operate independently	A single account manages spot, margin, and futures in a unified way
Funds Transfer	Funds must be manually transferred between accounts	Shared fund pool. No transfers needed
Margin Mode	Each account has independent margin that cannot be shared	Cross-asset margin. A single margin balance is shared across products
PNL Calculation	Profits and losses are calculated within individual products only	Profits and losses can offset across different products
Capital Efficiency	Some assets remain idle, limited efficiency	Higher capital efficiency, maximizing asset value
Risk Management	Risks isolated by account, with strong separation	Centralized risk control, with multi-layer risk management
Collateral Supported	Limited collateral types, mostly USDT	Supports BTC, ETH, USDT and more as collateral based on haircuts
Trader Profile	Prefer isolated assets and independent accounts	Seek high capital efficiency and cross-product 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?