Fixed X-Accounts offer the highest interest rates by locking your funds for a set period. Your rate is fixed from the moment the account is created and doesn’t change — even if the market does.
When the term ends, your X-Account will either renew for the same duration or become Flexible, allowing you to withdraw your funds or upgrade for a new term.
They're perfect for users who prefer predictability and don’t need instant access to their savings.
Automatic Renewal (for web app only)
Automatic Renewal helps you continue earning interest with your Fixed X-Account without having to open a new term manually.
When Automatic Renewal is enabled, your X-Account will renew once the current term expires. The new term will match the same duration as the previous one.
You can enable or disable Automatic Renewal anytime while the term is active. It can be done from the Manage tab in X-Account Details
Key Features
| Feature | Description |
| Interest rate | Fixed for the full term |
| Interest payout frequency | Weekly |
| Payment currency | In-Kind or WXT, based on your choice |
| Term options | Depends on currency (up to 24 months) |
| Automatic Renewal | Optional. When enabled, your X-Account renews for the same term after it expires |
| Access to funds | Locked during term, becomes Flexible after term ends |
| Top-ups | Add more funds anytime |
| Plan & Tier dependent | Rates may be boosted by your subscription plan or tier (Standard, Elite, Premium) |
Things to Keep in Mind
No early withdrawals – funds are locked for the full term, with no exceptions
Term selection is final – term can’t be changed once set
After the term ends – your X-Account will renew for the same term if Automatic Renewal is enabled. Otherwise, it will become Flexible.
No switch back to in-Kind – if you upgrade to WXT payment, the change is permanent
Your rate depends on your Plan & Tier – Standard, Premium, and Elite users get different base rates and WXT boost options