Total Assets Breakdown
Total Assets = Primary Account + Payment Account + Card Account + Futures Account
Account | Purpose |
Primary Account | The platform's core funding account — covers spot holdings, trading bots, Earn/Arbitrage products, and platform bonuses. Supports most platform functions. |
Payment Account | Dedicated to Visa card spending and QR code payments. Spending amounts are deducted from this account. |
Card Account | Dedicated to Mastercard card spending. Spending amounts are deducted from this account. |
Futures Account | Dedicated to manual futures trading (Isolated & Cross Margin). |
If your total assets don't match what you expect, it's usually because funds are distributed across these accounts rather than missing. Check the balance of each of the four accounts individually.
Fund Transfer Rules Between Accounts
The Primary Account, Payment Account, and Card Account can all be transferred between directly, with no restrictions.
The Futures Account can only be transferred to and from the Primary Account — it cannot be transferred directly to or from the Payment Account or Card Account. To move funds between the Futures Account and either card account, transfer to the Primary Account first, then transfer from there to the destination account.
Security verification: Security verification is only required when funds are transferred from the Primary Account into the Payment Account or Card Account — this is treated as a withdrawal. All other transfer directions — including between the Primary Account and Futures Account, and between the Card Account and Payment Account — are not treated as withdrawals and do not require security verification.
FAQ
Q: My total assets are lower than expected. Where did my funds go?
A: Check the balance of each of the four accounts individually. Funds may be sitting in the Payment Account or Card Account, allocated to an active trading bot or Earn product, or held in the Futures Account.
Q: Are my Visa and Mastercard balances shared?
A: No. Visa spending draws from the Payment Account; Mastercard spending draws from the Card Account. These are two separate accounts, but you can transfer funds directly between them at any time with no security verification required.
Q: What does "card balance" or "Card Account balance" mean?
A: "Card balance" usually refers to the available balance in either the Payment Account (Visa) or the Card Account (Mastercard), depending on which card you hold.
Q: Can I transfer funds directly from the Futures Account to the Card Account?
A: No. You'll need to transfer from the Futures Account to the Primary Account first, then from the Primary Account to the Card Account.
Q: Does the Futures Account count toward my total assets?
A: Yes. Futures Account equity is included as part of your total assets.
Q: Are the Primary Account, Card Account, Payment Account, and Futures Account "sub-accounts"?
A: Pionex currently does not support a "sub-account" feature. These simply refer to divisions within the wallet.