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BIT.com is a cryptocurrency exchange that launched in August 2020 under the umbrella of Matrixport, a Singapore‑based financial services unicorn founded by Jihan Wu, the co‑founder of Bitmain. If you’re trying to decide whether BIT.com is worth your time, this review breaks down the platform’s core products, fee structure, security measures, geographic limits, and the biggest red flags that traders have flagged in 2025.
Quick Takeaways
- Strong derivatives suite - especially Bitcoin options, which rank #2 globally.
- Spot fees: 0.04%-0.06%; Futures fees: 0.01%-0.04% (among the lowest in the market).
- Leverage up to 1:100 on futures, 1:7.69 on spot.
- Two‑tier risk protection: proprietary liquidation engine + an insurance fund of >200 BTC.
- High‑risk rating (2.61/10) from Traders Union and extensive country bans.
What BIT.com Offers
The platform is built around a “unified account” that lets you trade spot, futures, perpetual contracts, and options without opening separate wallets. As of October 2025 the exchange lists:
- 65 spot pairs covering the top 50+ cryptocurrencies.
- 110 futures contracts, many with USDT‑margin.
- Three Bitcoin‑options series that together generate daily volumes north of $6 billion.
This breadth makes BIT.com appealing to both retail day‑traders and institutional desks that need hedging tools.
Trading Products in Detail
Spot trading works like any classic exchange - you buy a digital asset with another crypto or USDT. Minimum order sizes are tiny (e.g., 0.001 BCH, 0.01 DASH), and you can crank up leverage to 1:7.69 if you opt for margin.
Futures contracts let you speculate on price moves without holding the underlying coin. BIT.com offers up to 1:100 leverage, two‑digit funding rates, and a “Portfolio Margin” engine that runs scenario analysis across all open positions.
Bitcoin options are the star of the show. Traders can write or buy calls and puts with expiries ranging from one week to three months. The platform’s proprietary liquidation methodology automatically squares out losing positions, while an insurance fund (currently holding over 200 BTC) backs extreme market swings.
Fee Structure & Leverage
BIT.com follows a maker‑taker model that varies by VIP level. The base rates are:
| Product | Maker Fee | Taker Fee |
|---|---|---|
| Spot | 0.04% | 0.06% |
| Futures | 0.01% | 0.04% |
VIP tiers (VIP 1 - VIP 9) reward higher 30‑day trading volume with fee rebates that can drop the taker fee to as low as 0.02% on futures. Leverage caps are generous, but remember that higher leverage means faster liquidations if the market turns.
Security & Risk Management
Security is a mix of hot‑wallet controls, multi‑signature withdrawals, and the two‑tier protection mentioned earlier. The liquidation engine monitors margin ratios in real time and executes partial closures before a position hits the bankruptcy threshold.
The insurance fund is not a guarantee but a buffer: if the liquidation engine can’t cover a loss, the fund steps in. With more than 200 BTC (valued at roughly $5 billion in 2025), the fund is sizable compared with many peers.
Two‑factor authentication (2FA) via SMS or authenticator apps is mandatory for withdrawals. Email and Telegram support channels are staffed 24/7, though response times can vary during peak market turbulence.
VIP & Reward Programs
The VIP tier system operates on cumulative 30‑day volume. VIP 1 starts at $10 million, while VIP 9 requires $1 billion. Benefits include fee discounts, priority support, and early access to beta features like AI‑driven risk alerts.
BIT.com also runs a lucrative affiliate program: referring traders can earn up to 80% of the exchange’s net fees for the first 12 months. For copy‑trading enthusiasts, the platform offers profit‑sharing for professional money managers (up to 15% of net gains), which has attracted a small but active community of signal providers.
Geographic Restrictions
One of the biggest downsides is the long list of prohibited jurisdictions. Users from the United States, Canada, Japan, Singapore, and several other regions cannot create accounts. The restrictions are driven by regulatory uncertainty rather than technical limitations, meaning that if you live in a supported country you’ll face no onboarding friction.
User Experience & Support
The web UI is clean, with separate tabs for Spot, Futures, Perpetual, and Options. Mobile apps (iOS & Android) mirror the desktop layout, allowing you to place market orders with a single tap. Order types include limit, market, stop‑limit, and trigger orders - all clearly explained in the help centre.
Deposits and withdrawals are crypto‑only; fiat moves require a partnered bank to convert to USDT first. Minimum deposit is $20 (or the crypto‑specific thresholds listed in the research data), and withdrawals must be at least $10. The platform processes withdrawals within 15‑30 minutes on average, though network congestion can add delays.
Pros & Cons - A Balanced View
- Pros
- Industry‑leading Bitcoin options market share.
- Low futures fees and high leverage options.
- Robust risk‑management with a large insurance fund.
- VIP program that meaningfully rewards high‑volume traders.
- Cons
- Low overall risk rating (2.61/10) from independent agencies.
- Extensive country bans limit global user base.
- Crypto‑only deposit/withdrawal flow can be cumbersome for fiat‑heavy traders.
- Customer support quality varies; live chat can be slow during market spikes.
Final Verdict
If you are a seasoned trader who needs deep derivatives tools - especially Bitcoin options - BIT.com offers a compelling mix of low fees, high leverage, and a sizable insurance fund. The platform’s backing by Matrixport adds credibility and financial muscle.
However, the high‑risk rating and the prohibitions on many major markets mean you should proceed with caution. Newcomers or users in restricted jurisdictions would likely find a friendlier experience elsewhere. In short, BIT.com is a specialist’s exchange: powerful for the right audience, risky for the rest.
Frequently Asked Questions
What is the minimum deposit on BIT.com?
The platform enforces a $20 minimum deposit overall, with crypto‑specific thresholds such as 0.00001 BCH, 0.0005 ETH, 0.01 ETC, and 0.001 LTC.
Can I trade Bitcoin options on BIT.com?
Yes. BIT.com offers three Bitcoin‑options series and held the #2 spot in the global Bitcoin‑options market in 2021.
How does the VIP tier affect my fees?
Higher VIP levels (based on 30‑day trading volume) grant fee rebates. For example, a VIP 5 trader can see futures taker fees drop from 0.04% to about 0.025%.
Is BIT.com safe for my funds?
Security includes multi‑signature wallets, 2FA, a proprietary liquidation engine, and an insurance fund holding over 200 BTC. While these measures are strong, the low risk rating from third‑party auditors suggests you should only allocate funds you can afford to lose.
Why is my country blocked from using BIT.com?
BIT.com restricts users from regions where regulatory uncertainty is high (e.g., USA, Canada, Japan, Singapore). The bans are preventative, not technical, and can change if laws evolve.
Marina Campenni
November 24, 2024 AT 11:12BIT.com certainly offers a wide range of products, and it's understandable that traders feel both excited and cautious about such a platform. The insurance fund and liquidation engine provide an extra layer of reassurance, especially for those who trade with high leverage. If you decide to give it a try, consider starting with modest positions and keep an eye on the risk metrics.
Irish Mae Lariosa
December 7, 2024 AT 04:45The fee structure presented by BIT.com, while undeniably competitive, warrants a meticulous examination before allocating substantial capital. First, the maker‑taker model differentiates between spot and futures, with maker fees as low as 0.04% for spot and 0.01% for futures, which is attractive for high‑frequency traders. Second, the taker fees, though modest at 0.06% and 0.04% respectively, can erode profit margins on thin‑scalped strategies if not managed carefully. Third, the VIP tier system introduces volume‑based rebates that can further reduce fees, but the thresholds start at $10 million in 30‑day volume, a level unattainable for most retail participants. Fourth, leverage options reach up to 1:100 on futures, which amplifies both potential gains and the speed of liquidation during volatile moves. Fifth, the proprietary liquidation engine, complemented by an insurance fund exceeding 200 BTC, offers a safety net that many competitors lack. However, the low overall risk rating of 2.61 out of 10 from independent agencies should not be dismissed lightly, as it reflects underlying concerns that extend beyond fee structures. Geographic restrictions exclude users from major economies such as the United States, Canada, Japan, and Singapore, limiting the exchange's global accessibility. The platform’s user interface, while clean, may present a learning curve for newcomers unfamiliar with multi‑product accounts. The requirement for crypto‑only deposits and withdrawals can be cumbersome for traders who primarily operate with fiat currencies. Customer support, although available 24/7, has been reported to experience latency during market spikes, which could be detrimental in fast‑moving markets. The options market, particularly Bitcoin options, is a standout feature, ranking second globally and offering deep liquidity for sophisticated strategies. The presence of a robust affiliate and profit‑sharing program can be advantageous for those looking to monetize referral traffic. Two‑factor authentication via SMS or authenticator apps adds an essential layer of security. The insurance fund's size, while impressive, does not guarantee protection against systemic failures or extreme market black swan events. Traders should also consider the potential impact of regulatory changes that could affect BIT.com’s operational status in the future. A balanced approach that allocates only a portion of capital to BIT.com, while diversifying across other reputable exchanges, remains the prudent strategy for most participants.
Nick O'Connor
December 19, 2024 AT 22:18When evaluating BIT.com, one must consider, among other factors, the breadth of its product suite; the integration of spot, futures, and options into a unified account; the competitive fee schedule; the extensive insurance fund; and the stringent security protocols.
DeAnna Brown
January 1, 2025 AT 15:52Let me tell you, BIT.com is the kind of exchange that should make every American trader proud, because it combines razor‑thin fees with a massive options market that rivals even the biggest Wall Street desks. The sheer depth of Bitcoin options on this platform is a testament to the ingenuity of engineers who understand the pulse of the crypto world, and it’s exactly the kind of innovation that keeps the United States at the forefront of financial technology. Moreover, the high leverage offerings give bold traders the firepower they need to capitalize on rapid market moves, something that other jurisdictions simply can’t match due to over‑regulation. If you’re looking for a place that blends American grit with cutting‑edge tech, BIT.com is hard to ignore.
Chris Morano
January 14, 2025 AT 09:25It's great to see such enthusiasm, and for anyone feeling uncertain the platform's insurance fund does provide a comforting safety net that can help build confidence over time.
Carolyn Pritchett
January 27, 2025 AT 02:58Honestly, BIT.com is a circus of overhyped features and hollow promises; the low fees are a smokescreen for the shoddy customer service, and the so‑called insurance fund is nothing more than a marketing gimmick that won’t save you when the market collapses.
lida norman
February 8, 2025 AT 20:32Wow, that's harsh! 😮 But I think the insurance fund really does help, and the platform can be useful if you know how to use it wisely.
Devi Jaga
February 21, 2025 AT 14:05Oh sure, because every trader loves navigating a labyrinth of VIP tiers and volume thresholds that only a select few can actually reach, making the whole fee rebate system feel like an exclusive club for the elite.
Matthew Theuma
March 6, 2025 AT 07:38In the grand scheme of things, a platform is just a tool, and what truly matters is the mindset of the trader; staying calm, reflecting on risk, and remembering that markets are cyclical can turn even a high‑leverage exchange like BIT.com into a learning exhange. 🌱
Jason Zila
March 19, 2025 AT 01:12The integration of spot, futures, and options under a single account architecture showcases a strategic design that could streamline trading workflows and reduce friction for power users.
Cecilia Cecilia
March 31, 2025 AT 18:45The insurance fund size is notable.
Jessica Cadis
April 13, 2025 AT 12:18While the fund's magnitude is impressive, it's essential to compare it with similar reserves across global exchanges to gauge its real protective value.