◆Payout policy and ledger
A ledger that opens
at zero
The payout policy in full, the table every payout and every refusal will be written into, and a commitment to publish the one figure this industry never publishes: the share of requests refused.
The ledger, currently empty
Every firm in this category publishes a running total of money paid to traders. Ours is zero, because we have not launched, have no traders and have paid nobody. Rather than leave the section out until there is a flattering number in it, here is the table, with the columns it will keep.
$0.00
0 settled · 0 refused · 0 traders paid — as of 2026-07-31. This is the entire record and it is meant to be looked at now, so that whatever appears in it later can be watched arriving rather than presented finished.
| Settled | Account | Split | Amount | Rail | Elapsed | Outcome |
|---|---|---|---|---|---|---|
| No records — the first row appears on the day of the first payout | ||||||
Refused requests get a row in the same table, with the clause they were refused under, in the same typeface, without a filter that hides them. A ledger that only contains successes is marketing with a monospace font on it.
The refusal rate — the number nobody publishes
Payout totals are advertised everywhere in this industry. The share of requests refused is advertised nowhere, by anyone, and it is the single figure that would tell a prospective buyer the most.
So the commitment is this, in the plainest form we can write it:
The definition matters as much as the number, because a refusal rate is trivially manipulated by moving cases out of the denominator. Ours does not exclude requests refused pending correction, requests refused for identity reasons, or requests that were withdrawn after we asked a question. Anything decided is counted.
How a payout will work
The policy below is what we are committing to at launch. Like the rulebook, it is published before there is anything it governs.
- First request
- from day 5
- After that
- on demand
- Minimum
- $50
- Settlement target
- 24 hours
- Miss the target
- +2% to the trader
- Approval
- rules-based, not discretionary
Approval is arithmetic, not judgement
A request is checked against the same published rules that are visible on the account screen the whole time. There is no discretionary review step between the rules and the money, because a discretionary step is where a week goes and where an argument starts. If the conditions in the rulebook are met, the request is approved.
The 24-hour rule carries a penalty
If a request is not settled within 24 hours of approval, the system adds 2% to the amount by itself. No ticket, no request, no goodwill gesture. The late row stays in the ledger permanently with the elapsed time on it, because a service level that disappears from the record once it has been paid for is not a service level.
Rails
Bank transfer and stablecoin, with the choice belonging to the trader and no fee added by us. Where a rail charges, the charge is shown before the request is submitted rather than discovered in the amount that arrives.
What can cause a refusal
Four reasons, listed in advance. A reason that is not on this list cannot be used, and adding one is a rulebook change with a version number attached.
Copying another funded account
Established on execution timestamps across accounts linked to one identity, not on a view about strategy. The evaluation fee is returned.
Account holder is not the payout beneficiary
The name on the account and the name on the destination must match. Refused pending correction rather than permanently, and payable once they do.
Identity verification not completed
Refused pending completion, not forfeited. The amount stays payable indefinitely and is paid the day verification clears.
The request exceeds the accrued balance
An arithmetic refusal. The payable part is paid; the remainder is not created by asking.
Two grounds that appear in this industry and are deliberately absent here: a consistency score applied after the fact, and a “risk management review” with no stated criteria. Neither is in the rulebook, so neither can be used.
Questions
How much has upme paid out to traders?
Nothing. upme has not launched, has no traders and has made no payouts. The ledger is published empty at zero rather than withheld until there is a number worth advertising.
Will upme publish payouts it refuses?
Yes. Refused requests appear in the same public ledger as settled ones, with the clause they were refused under, and are not hidden behind a filter. We also commit to publishing the monthly refusal rate as a percentage, with the raw counts beside it.
What happens if a payout is late?
If a request is not settled within 24 hours of approval, 2% is added to the amount automatically, with no ticket required from the trader, and the late row stays in the public ledger permanently with its elapsed time.
Is payout approval discretionary?
No. A request is checked against the same published rules visible on the account the whole time, with no discretionary review step inserted between the rules and the money.