Habit Trade Review: Multi-Asset Trading in One App
HabitTrade positions itself as a multi asset trading platform built around the idea that modern investing should be unified across markets and account types. Instead of treating equities, ETFs, options, and crypto as separate products, it pitches a single app experience for access, execution, and account management. Read this Habit Trade Review to know more.
What is Habit Trade?
HabitTrade describes itself as a global, multi market brokerage style platform offering access to products like U.S. stocks, Hong Kong stocks, ETFs, options, and also crypto, packaged into an “all in one” account and delivered primarily through its mobile app.
In its positioning, HabitTrade also leans into “crypto friendly” workflows, including stablecoin related settlement language and a broader narrative about bridging Web2 brokerage access with Web3 concepts. Public profiles and recent coverage describe the company as providing trading infrastructure plus related services like settlement, custody, and asset issuance, with an emphasis on compliant access to traditional markets.
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Habit Trade Review: Features
- Multi-asset access in one app: Markets positioned around U.S. stocks, Hong Kong stocks, ETFs, options, and crypto under a single platform experience.
- Mobile-first trading: Primary user workflow is designed around the HabitTrade mobile app (installation, login, trading, account actions).
- Unified account concept: Emphasis on “all-in-one” account management rather than separate products for different asset classes.
- Funding and transfers guidance: Support/user manual content focuses on operational steps (onboarding, deposits/withdrawals, and common user flows).
- Crypto-friendly positioning: Messaging leans into stablecoin/crypto compatibility as part of the broader product narrative.
- Global / cross-market framing: Public materials frame HabitTrade as serving users seeking cross-border market access.
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Habit Trade Review: How to get started
1) How to open an account
Download the HabitTrade app, then register or log in using either:
- Email, or
- A linked wallet such as MetaMask or imToken
From the home screen, tap Start Verification, then follow the in-app instructions to open your HabitTrade trading account.
2) What documents you need (KYC/AML)
HabitTrade requires identity verification documents to meet KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements.
You can submit:
- Primary option:
- Photo of your national ID card, or
- Passport information page
- Secondary option (if needed):
- Residence permit, or
- Driver’s license, or
- Tax certificate
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Why this is required
- Account security: helps prevent unauthorized access and fraud
- Legal compliance: supports regulatory requirements across countries
- Transaction security: reduces financial crime risk and improves platform safety
HabitTrade states it applies strict internal controls and monitoring to protect user information, and that data is stored securely and used only for compliance purposes. For details, it references HabitTrade Privacy Policy.pdf.
3) The account opening process (3 steps)
- Fill in basic information
- Complete the questionnaire
- Upload documents and wait for review
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4) Step-by-step walkthrough
Step 1: Fill in basic information
Enter details accurately to avoid delays, including: name, date of birth, nationality, residential address, and ID number. These are used to verify identity.
Step 2: Complete the questionnaire
Your responses affect eligibility and account approval. It typically covers items like employment status and financial situation. Fill it carefully and honestly.
Step 3: Submit documents and wait for review
After signing and submitting, your application enters review. HabitTrade indicates review is completed within 1 business day. You will receive an email notification once your account is opened, so use a valid, frequently used email.
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Habit Trade Review: Crypto Deposit Guide
Step 1: Start a crypto deposit
Open HabitTrade and select Crypto Transfer.
Step 2: Choose the deposit currency
Select the exact currency you want to deposit (example: USDT).
Critical note: The currency you send must match the currency selected in HabitTrade. If you send a different asset, funds may be lost and may not be recoverable.
Step 3: Choose the on-chain network
Select the transfer network (for example TRC20 or ERC20).
Critical note: The network you choose must match the receiving network shown in HabitTrade. If you send on the wrong network, funds may be lost and may not be recoverable.
Step 4: Enter the deposit amount
Input the amount you want to deposit and tap Continue.
Step 5: Confirm details
Review the deposit details and tap Continue again.
Step 6: Send the funds from your wallet
Open the wallet or payment app you will use to transfer. Choose Withdraw/Send, and send funds to the HabitTrade deposit address shown in the app.
After the transfer is completed, return to HabitTrade and tap Submit.
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Habit Trade Review: Withdrawal
1) General steps
Log in to your trading account → open the withdrawal page → choose the currency and blockchain network → submit the withdrawal request.
2) Withdrawal walkthrough
- Go to Assets in the HabitTrade app.
- Log in to your trading account and tap Withdraw.
- Select the currency and the transfer network, then fill in the withdrawal details (amount, address, etc.).
- Submit the withdrawal application and wait for review. Review is expected within 1 working day.
- After review, HabitTrade notifies you through in-app system message and email.
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| Currency | Network | Expected arrival time | Miner fee (estimate) | Charged by |
|---|---|---|---|---|
| USDT | ERC20 | 1 working day | ~20 USDT | On-chain |
| USDT | TRC20 | 1 working day | ~2 USDT | On-chain |
| BTC | Bitcoin | 1 working day | Actual fee applies | On-chain |
| ETH | ERC20 | 1 working day | Actual fee applies | On-chain |
Habit Trade Review: Investment Trading
On HabitTrade, “investment trading” refers to the traditional markets side of the product (as opposed to purely crypto transfers), where users invest and trade across listed instruments from global markets inside one account. HabitTrade positions this as access to U.S. stocks, Hong Kong stocks, ETFs, and options, plus additional market coverage, delivered through a mobile-first interface.
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Hong Kong Stock Trading
Trading for Hong Kong listed equities. Typically includes HK tickers, order placement (market/limit), positions, and settlement rules specific to HK market hours.
US Stock Trading
Trading for U.S. listed equities. Usually covers U.S. tickers, standard equity order types, market hours behavior, and portfolio tracking for U.S. positions.
Crypto Trading
Spot-style crypto trading inside the app, separate from on-chain deposits and withdrawals. This is where you would buy/sell supported coins, see balances, and manage crypto positions within HabitTrade.
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Options Trading
Derivatives trading using options contracts. This generally implies options chains, strikes, expiries, Greeks (depending on app depth), and workflows for buying/selling calls and puts.
Margin Trading
Trading with leverage using borrowed funds or collateral-based margin. This typically introduces margin requirements, liquidation risk, and interest/fees depending on the product rules.
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USD Money Market Fund
A cash-management style product, usually framed as a lower-volatility parking option for USD-denominated balances, aiming for yield through money-market instruments rather than price speculation.
ETH 2.0
An Ethereum staking-related section. In most apps, this maps to staking ETH and earning staking rewards, with rules around lockups, redemption timing, and reward accrual.
CopyTrade
A social trading module where users can follow or replicate the trades/portfolios of other traders or strategies, typically with controls like allocation, risk limits, and stop conditions.
Habit Trade Review: Standard Costs
Hong Kong Stock Fees (Stocks, ETFs)
| Level | Trading commissions | Platform usage fee (per order) | Stamp duty | Trading fee | Transaction levy | Account transaction fees | Clearing and settlement fee |
|---|---|---|---|---|---|---|---|
| Regular User | 0.08% | 15.0 | 0.1% | 0.00565% | 0.0027% | 0.00015% | 0.0042% |
| VIP1 | 0.07% | 12.0 | 0.1% | 0.00565% | 0.0027% | 0.00015% | 0.0042% |
| VIP2 | 0.04% | 6.0 | 0.1% | 0.00565% | 0.0027% | 0.00015% | 0.0042% |
| VIP3 | 0.02% | 2.0 | 0.1% | 0.00565% | 0.0027% | 0.00015% | 0.0042% |
US Stocks
| Tier | Trading commission (per share) | Platform fee (per share) | SEC fee | Trading activity fee (per share) | Settlement fee (per share) | Consolidated Audit Trail fee (per share) |
|---|---|---|---|---|---|---|
| Regular User | $0.02 | $0.01 | 0 | $0.000195 | $0.003 | 0 |
| VIP1 | $0.01 | $0.01 | 0 | $0.000195 | $0.003 | 0 |
| VIP2 | $0.00 | $0.01 | 0 | $0.000195 | $0.003 | 0 |
| VIP3 | $0.00 | $0.005 | 0 | $0.000195 | $0.003 | 0 |
Conclusion
HabitTrade’s trading stack is built around a single idea: let users move between crypto rails and traditional markets inside one app, while keeping the operational workflows simple enough to execute quickly. From the support material you shared, the platform leans heavily on structured KYC for account access, on-chain deposits with strict currency and network matching, and a review-based withdrawal process that typically completes within one working day.
On the trading side, the fee schedules you provided show a tiered model where VIP levels reduce the broker-style fee components, especially for U.S. equities where commission can drop to zero while per-share platform and venue-related charges still apply. For Hong Kong equities, the variable pieces are mainly the commission rate and a fixed per-order platform fee, while statutory or market fees remain consistent.
The practical takeaway is that HabitTrade can be evaluated like any execution venue: the real value is not just market access, but how predictable the operational controls and total trading costs are when you actually place orders at scale.
Frequently Asked questions
How long does KYC review take?
Based on the guide you shared, HabitTrade expects account review completion within 1 business day, with notifications via email.
What is the biggest deposit mistake to avoid?
Sending the wrong asset or using the wrong network. The deposit guide explicitly warns that mismatched currency or network can result in lost funds that may not be recoverable.
What fees should I expect for withdrawals?
The guide lists indicative miner fees: USDT ERC20 around 20 USDT, USDT TRC20 around 2 USDT, and BTC/ETH fees at actual on-chain rates. These are reference values and can change.