What is Moomoo (moomoo.publicvm.com) and who operates it?

Moomoo (moomoo.publicvm.com) is an authentic institutional electronic trading and wealth technology gateway operated in strategic partnership with StoneX Group Inc. (NASDAQ: SNEX). Customer securities accounts are held in custody by Axos Clearing LLC, member FINRA and SIPC, providing up to $500,000 in securities protection. Uninvested cash is insured up to $8,000,000 via our FDIC partner bank sweep program.

How is Moomoo regulated in the United States?

Brokerage and electronic trade execution are conducted under U.S. regulatory oversight through StoneX Financial Inc. (CRD# 137945 / SEC# 801-66892, member FINRA/SIPC/NFA/CFTC). Trade clearing and custodial services are provided by Axos Clearing LLC. Client assets are strictly segregated under SEC Rule 15c3-3.

What investor protections and insurance apply to accounts on moomoo.publicvm.com?

Customer securities accounts are protected by SIPC up to $500,000 (including $250,000 for cash claims). In addition, uninvested cash is eligible for multi-bank FDIC insurance up to $8,000,000 through the automated cash sweep program.

What are the fee and commission structures on moomoo.publicvm.com?

Moomoo provides $0 commission on U.S. exchange-listed stocks and standard options, with $0 account opening fees and $0 maintenance fees. Deposits and withdrawals are processed securely through U.S. banking networks (ACH, Fedwire).

For new and existing qualified users

Boost your uninvested cash with
8.10% APY*

For new and existing qualified users. Put your idle uninvested cash to work automatically with high yields and complete trading flexibility.

Terms and conditions apply for New Customers and Existing Customers. See Disclosures for more details on the program.

*8.10% APY eligibility: This rate is only for new & existing users that meet either a qualifying deposit, or transfer requirements. Promo rate as of 12/10/25 and subject to change.

Open Account & Earn 8.10%

8.10% APY*High-Yield Rate

Up to $2MFDIC Insurance Coverage

$0 Fees$0 Joining / $0 Monthly

Yield Calculator

8.10% APY

Cash Balance:$10,000

$1,000$50,000$100,000+

Estimated 1-Year Earnings

+$810.00

(~$67.50 / month • accrued daily, paid monthly)

Interest accrues daily and pays out monthly

Swept cash counts 100% toward your trading buying power

No minimum deposit required to start for new users

Make Your Money Do the Work

The swept cash is available for trading or for withdrawal at anytime

Withdraw or invest anytime

The swept cash is available for trading or for withdrawal at anytime with zero lock-up period.

$0 commission**

$0 joining fee and $0 monthly account fee. Maximize your net returns without nickel-and-dime charges.

8.10% APY*

No cap on interest earnings. Enjoy top-tier yield on uninvested brokerage cash.

Low barrier of entry

No minimum deposit required to start for new users. Easy enrollment directly inside the Moomoo app.

FDIC Insured Network

Your swept money has FDIC coverage at program banks

The uninvested cash swept to program banks is eligible for FDIC insurance up to $2 million.

Available cash balances will be swept through the Program into interest-bearing deposit accounts at one or more participating Program Banks. Deposits at each participating bank are eligible for FDIC insurance up to $250,000 in aggregate ($500,000 for joint accounts).

Important FDIC coverage information

Understand markets like never before

Experience powerful trading tools, real-time depth, and $0 commission execution.

Unlock Free Level 2 Data¹

Gain insights into price action that has up to 60 levels of bids and asks. Available for funded accounts.

Visualized Financial Data

Easy-to-understand data to make informed trades with institutional-grade visual breakdowns.

60+ Technical Indicators

Analyze trends and patterns with 60+ technical indicators and add visuals to charts using 38+ drawing tools.

Trading with $0 Commission & 6.8% Low Margin Rates²

No commissions on stock, ETF, and option trading with no account minimums!³

FAQ

Everything you need to know about the Moomoo Cash Sweep Program.

Cash Sweep Program is a cash management program provided by StoneX Financial Inc. This program is only open to US securities accounts under StoneX Financial Inc.. If enrolled in the program, uninvested cash is automatically swept to the bank(s) through this program and is eligible to earn interest. When the cash purchasing power of the securities account is negative, the uninvested cash will be automatically redeemed from the bank(s) to the securities account before the transactions are settled to avoid the payment of financing interest. When the cash is positive, it will be automatically deposited in the bank(s) at 2pm EST of each trading day to earn interest.

Available cash balances will be swept through the Program into interest-bearing deposit accounts ("Deposit Accounts") at one or more participating banks (each a "Deposit Bank") set forth on the Deposit Bank List, which can be accessed on our website at www.moomoo.publicvm.com/us or by contacting StoneX Financial Inc. The Deposit Bank List may change over time. For a current list of Deposit Banks at any point in time, please refer to our website or contact StoneX Financial Inc. The Deposit Accounts held at any Deposit Bank participating in the Program will be eligible for FDIC insurance up to the maximum applicable deposit insurance amount ("Maximum Applicable Deposit Insurance Amount"), which currently is $250,000 in the aggregate at each Deposit Bank, as described in detail below. Through the Program, joint accounts are eligible for FDIC insurance up to $500,000 per Deposit Bank. Any deposits (including certificates of deposit issued by a particular Deposit Bank) that you maintain in the same capacity directly with a Deposit Bank, or through an intermediary (such as StoneX Financial Inc. or another broker-dealer), including multiple accounts held at StoneX Financial Inc. or another broker-dealer, will be aggregated with deposits in your Deposit Accounts at the Deposit Bank for purposes of determining the Maximum Applicable Deposit Insurance Amount. You are responsible for monitoring the total amount of deposits that you have with each Deposit Bank, in order to determine the extent of FDIC deposit insurance coverage available to you. If available cash to be invested in Deposit Accounts exceeds the aggregate maximum coverage limit of $250,000 ($500,000 for joint accounts), any additional funds will be invested in a Deposit Bank but will not be FDIC insured.

The interest in the Cash Sweep program is accrued daily and paid monthly, and will generally be paid to the swept account at the end of the month. You can use a filter to see all the records of the program in the securities account "fund details".

When participating in the Cash Sweep program, the funds deposited in the bank will still be considered as your securities' account purchasing power.

Yes, you have the flexibility to withdraw or invest your funds at any time.

No, the rate should not be affected from the promotion ending. For example, if you deposit $2000 today as an existing customer in order to gain the 8.10% APY for your uninvested cash, that rate should continue at the end of the promo period. However, that does not mean rates will always remain the same. APY rates are still subject to change depending on various factors, such as the Federal Funds rate, market and economic conditions.

Cash Sweep Program Terms and Disclosures

Cash Sweep Program Terms and Conditions: The Cash Sweep Program is a cash management program provided by StoneX Financial Inc. This program is only open to US securities accounts under StoneX Financial Inc. Uninvested cash is automatically swept into interest-bearing deposit accounts at one or more participating FDIC-insured Program Banks.

*8.10% APY eligibility: This rate is only for new & existing users that meet either a qualifying deposit, or transfer requirements. Promo rate as of 12/10/25 and subject to change without notice. APY rates are subject to change depending on various factors, such as the Federal Funds rate, market and economic conditions.

FDIC Insurance Coverage: The uninvested cash swept to program banks is eligible for FDIC insurance up to $2 million. Available cash balances will be swept into Deposit Accounts at one or more participating banks set forth on the Deposit Bank List, which can be accessed on our website or by contacting StoneX Financial Inc. Each Deposit Bank provides FDIC insurance coverage up to the standard statutory maximum of $250,000 ($500,000 for joint accounts). Deposits maintained at a Deposit Bank outside of the Program will be aggregated for purposes of determining the Maximum Applicable Deposit Insurance Amount.

**$0 Commission Trading: $0 commission trading is available only to U.S. residents trading in the U.S. markets through StoneX Financial Inc. Other fees such as regulatory and exchange fees may apply. See foundersxtrade.com/us/pricing for full fee schedule details.

¹Level 2 Market Data: Level 2 TotalView (60 levels of bid/ask quotes) is free for eligible funded accounts.

²Margin Trading: Margin trading entails greater risk, including the risk of losing more than the invested amount, and is not suitable for all investors. Margin rates are subject to change without notice.

General Investment Risks: Investment products and services are offered through StoneX Financial Inc., Member SIPC/FINRA. Investment products are not insured by the FDIC, not bank deposits, and may decline in value.

Boost your uninvested cash with 8.10% APY*