Updates to StraitsX Earn Eligibility Criteria: Accredited and Institutional Investors

Overview 

To ensure consistency with regulatory definitions, StraitsX is implementing an eligibility verification process for Accredited Investors (AI) and Institutional Investors (II) users of the StraitsX Earn service. 

Who is eligible for StraitsX Earn?

To access StraitsX Earn, users must be verified under one of the following categories:

• Individual Accredited Investor (AI)
  Individuals who meet any of the following:
  - Net personal assets exceeding S$2 million
  - Net financial assets exceeding S$1 million
  - Personal income of at least S$300,000 in the preceding 12 months
• Corporate Accredited Investor (AI)
  Corporations that meet either of the following:
  - Net assets exceeding S$10 million (based on a recent audited or certified balance sheet)
  - Entire share capital is fully owned by Accredited Investors
• Institutional Investor (II)
  Entities such as licensed banks, capital markets license holders, government bodies, pension funds, or equivalent regulated entities in FATF member jurisdictions

How do I verify my status?

Eligible users must complete an Opt-In Confirmation Form and submit supporting documentation to verify their status.

• Corporate Accredited Investors:
  - Latest audited or certified balance sheet (within 12 months), or
  - Documentation demonstrating ownership by Accredited Investors
• Institutional Investors:
  - Proof of regulatory license, or
  - Fund constitution or prospectus

What happens to non-eligible users?

Accounts that do not meet AI or II criteria will no longer have access to StraitsX Earn. 

On 17 April 2026, any remaining Earn balances for non-eligible users will be automatically transferred back to their main StraitsX account balances.

Please be assured that all funds remain completely secure, and standard StraitsX account services will continue without interruption.

If you have any questions or need further clarification, our support team is ready to help.