For investors who primarily hold crypto assets, the main barrier to entering the US stock market is often not opening an account or placing an order. It is moving capital efficiently between crypto and securities accounts.
Under a traditional setup, investors may need to convert stablecoins into fiat currency, withdraw the funds to a bank account, and then deposit them into a securities account. The process can involve multiple steps, additional fees, and settlement delays—potentially causing investors to miss market opportunities.
At QOVZU, you can fund your securities account with crypto assets, trade securities, tokenize eligible stock positions, and manage margin within a unified account system — all on one platform, with greater flexibility to move capital across markets.
This guide walks through four steps, from using crypto assets to fund your securities account and trade US stocks, to further unlocking the margin value of your stock holdings and savings products.
Before You Start
Before using the features described below, please make sure you have:
- Completed your QOVZU account registration;
- Completed identity verification and opened both a crypto and a securities account;
- USDT or other supported stablecoins in your crypto account, or USD in your securities account;
- Confirmed that the relevant products and features are available for your region and account type.
Product availability, supported assets, and access may vary. Please refer to the latest information displayed in the QOVZU app, product pages, and applicable agreements.
Step 1: Unlock US Stock Buying Power with Crypto — Without Selling Your Holdings
Funding a securities account traditionally relies on bank transfers. For investors holding crypto assets, this may involve withdrawing stablecoins from a crypto platform, converting them through an external channel, and then making a separate deposit into a brokerage account — moving capital back and forth across different accounts and platforms.
At QOVZU, you can access securities buying power in multiple ways:
With Convert & Transfer, supported stablecoins such as USDT in your crypto trading account can be converted into USD and transferred directly to your securities account in one step. With Borrow & Transfer, supported crypto assets such as BTC and ETH can be used as collateral to borrow funds and transfer them to your securities account, without selling your existing crypto holdings. You can also choose Credit It, using crypto assets as collateral to directly increase your securities buying power without transferring or selling those assets.
Once the buying power is available, it can be used to trade US stocks, ETFs, and US stock options.
Example Scenario
Suppose your crypto trading account holds approximately USD 12,000 worth of USDT, along with BTC, ETH, and other crypto assets. You want to access approximately USD 10,000 in securities buying power without selling your BTC or ETH.
Depending on your portfolio and funding needs, you have several options:
- Convert & Transfer: Convert approximately USD 10,000 worth of USDT into USD and transfer it directly to your securities account, where the funds can be used for securities trading once credited.
- Borrow & Transfer: If you prefer to keep your USDT as well as your BTC and ETH holdings, you can, subject to your available borrowing limit, use eligible crypto assets as collateral to borrow approximately USD 10,000 worth of funds and transfer them to your securities account.
- Credit It: If you do not want to sell BTC or ETH — or borrow and transfer additional funds — you can, subject to eligibility and available credit, use assets in your crypto account as collateral to directly increase your securities buying power by approximately USD 10,000.
These three methods can be used independently or combined based on your funding needs. Whether through stablecoin conversion, crypto-backed financing, or collateral-backed credit, QOVZU gives you greater flexibility to unlock securities buying power and capture opportunities across US stocks, ETFs, and US stock options.
How to Set It Up
Assets → Transfer → From: "Crypto – Trading account" → To: "Securities – Securities account" → Select "Convert & Transfer", "Borrow & Transfer" or "Credit It" → Enter the amount → Review and confirm
Key Advantages
- More Ways to Access Securities Buying Power: QOVZU gives you multiple ways to put your digital assets to work, including stablecoin conversion, crypto-backed financing, and collateral-backed credit. Choose the option that best fits your portfolio and liquidity needs.
- Real-time transfers within QOVZU: Skip the friction of cross-platform withdrawals, currency conversion, and bank transfers. Move funds or unlock buying power directly within QOVZU, so you can act on US market opportunities when they arise.
- Keep Your Crypto Exposure, Unlock Securities Buying Power: No need to sell core holdings such as BTC or ETH. Use eligible digital assets as collateral to access securities buying power while maintaining your crypto exposure, and put that buying power to work across US stocks, ETFs, and options.
Step 2: Trade US Stocks, ETFs, and Options Your Way—via App or API
Once funds are available in your securities account, you can trade US stocks, ETFs, and US stock options directly on QOVZU.
QOVZU provides both app and API access, together with professional order types, options strategies, fractional shares, and extended trading sessions, supporting everything from manual trading to programmatic execution.
Scenario 1: Expressing an Intraday View with 0DTE Options
Assume SPY declines sharply after the market opens, but you expect it to recover before the close.
You can view SPY options that expire on the same trading day and select an appropriate strategy based on your market view, budget, and risk tolerance. Depending on your objectives, this may include a single-leg option, a vertical spread, or another supported combination strategy.
Zero-days-to-expiration (0DTE) options have a very short duration and may experience significant price volatility and rapid time-value decay. They are intended for investors who understand options mechanics and can tolerate the associated risks.
Scenario 2: Adding Downside Protection to a Long-Term Position
Assume you hold 100 shares of AAPL as a long-term position but are concerned about a potential short-term pullback around an earnings announcement.
You can purchase a put option within the same securities account to add downside protection to the position. Subject to applicable margin rules, the system may recognize the hedging relationship between eligible stock and options positions when calculating portfolio risk and margin requirements.
How to Set It Up
Trade → US Stocks / US Stock Options → Select a symbol → Enter the order details → Review and confirm
Key Advantages
- Real US stock positions: Hold actual US stock positions rather than CFDs or tokenized exposure, with corresponding shareholder rights.
- Unified buying power: The system evaluates cash and securities positions together to calculate available buying power, reducing capital fragmentation across positions.
- Professional order types and options strategies: Access 12 order types and eight options strategies, covering basic execution, hedging, and more advanced portfolio strategies. Qualifying hedged combinations may also receive margin offsets.
- App and API access: Trade and manage positions through the QOVZU app, or connect via API for market data, order management, and programmatic execution—supporting professional traders, quant teams, and institutions alike.
- Fractional shares and extended sessions: Trade selected US stocks and ETFs from as little as USD 1, with access to supported pre-market, regular, after-hours, and overnight sessions.
Step 3: Tokenize Eligible US Stock Holdings to Unlock Margin Value
Under traditional account structures, US stock holdings generally cannot be used directly to support margin requirements in the crypto market. Investors may need to sell their shares, withdraw the proceeds, and transfer the funds before using them elsewhere.
Through the QOVZU Tokenize feature, eligible US stock holdings can be converted into corresponding tokens, such as converting NVDA shares into NVDA1.
Once eligible RWA stock tokens are held in the crypto trading account, the system automatically includes them in the unified margin pool under the applicable haircut rate. This allows investors to retain economic exposure to the underlying stock while using the position’s eligible value to support crypto derivatives and leveraged spot trading.
Example Scenario
Assume you hold approximately USD 50,000 in NVDA shares and want to retain your NVIDIA market exposure while accessing a crypto trading opportunity.
If your account and holdings meet the applicable eligibility requirements, you can use the Tokenize feature to convert the shares into NVDA1 tokens.
The system then calculates the margin-eligible value based on the applicable haircut rate. The resulting eligible value may be used to support margin requirements without first selling the market exposure for cash.
How to Set It Up
Assets → Securities → Select the relevant US stock position → Tokenize → Enter the conversion amount → Review changes to account risk and margin → Confirm
Key Advantages
- US stock exposure retained, margin value unlocked: No need to sell your stock positions. Tokenized stocks count toward the unified margin pool at the applicable haircut rate for crypto futures and leveraged trading.
- Real-asset backed, licensed trust custody: Each tokenized stock is backed by the corresponding real US stock asset and independently custodied by a licensed trust institution, with underlying assets segregated from platform funds.
- Flexible two-way conversion: Tokenized stocks can be converted back into real US shares at any time via Redeem, restoring full shareholder rights.
Prices of tokenized stocks on QOVZU are designed to track the underlying stocks but may differ due to pricing mechanisms, liquidity, or market conditions. Changes in the token price or haircut rate may also affect your available margin.
Step 4: Use Eligible Savings Products as Margin and Keep Earning
Traditional account structures often separate savings balances from trading collateral. When a trading opportunity arises, investors may need to redeem their savings products, wait for the funds to become available, and then transfer them into a trading account.
On QOVZU, balances in eligible Flexible Savings and Fixed Savings can continue earning interest while supporting trading margin, allowing the same capital to serve both savings and trading needs.
The two products work differently:
- Fixed Savings: Users choose whether to use part or all of an eligible position as margin, while it continues earning interest under the original product terms.
- Flexible Savings: Once enabled, eligible balances are automatically subscribed, begin earning interest, and count as margin. The required amount is redeemed only when you need to trade directly with this asset or withdraw funds.
Example Scenario
Assume you hold approximately USD 20,000 in an eligible Fixed Savings product and do not currently plan to redeem it.
If a crypto trading opportunity arises, the eligible Fixed Savings balance may be counted toward margin under the applicable rules, without first redeeming the product or transferring the funds.
The margin-eligible value is calculated based on the balance value, applicable haircut rate, and your account risk status. Provided the relevant product and account requirements continue to be met, the balance will continue earning yield under its original terms.
How to Set It Up
- Fixed Savings: New Subscription
Assets → Wealth → Fixed Savings → Select an eligible product → Enter the subscription amount → Check “Use subscribed funds as margin” → Review and confirm - Fixed Savings: Existing Position
Assets → Wealth → Currently Subscribed → Fixed Savings → Select the relevant position → Enable “Use as margin” → Enter the amount → Review and confirm - Flexible Savings
Assets → Wealth → Flexible Savings → Select an asset → Enable Flexible Savings
Key Advantages
- Savings as margin, greater capital efficiency: Both Flexible Savings and Fixed Savings can be used as margin, reducing the need to set aside idle funds for trading.
- Continuous earnings, uninterrupted returns: Savings holdings continue earning interest under their original product terms while serving as margin — no need to choose between yield and trading.
- Flexible and fixed options for different goals: Allocate funds based on your investment horizon. Select 90-day Fixed Savings products offer up to 3.5% APY in BTC or 7.5% in USDT.
Fixed Savings and Flexible Savings follow different rules for interest, redemption, liquidity, and margin treatment. Savings balances used as margin may also be redeemed or disposed of if account risk increases. Please refer to the relevant product page for the latest APRs, haircut rates, and product terms.
Four Steps to Enhance Cross-Market Capital Efficiency
QOVZU offers more than a pathway from stablecoins into the US stock market. It brings account funding, professional stock trading, and eligible asset reuse together under one integrated account structure.
Through the four steps above, you can:
- Use the “Transfer” feature to quickly unlock US stock buying power with your crypto assets.
- Trade US stocks, ETFs, and US stock options through the QOVZU app or API;
- Convert eligible US stock holdings into tokens and use them as margin;
- Use eligible savings balances as margin while they continue earning yield.
By managing securities, crypto assets, and eligible yield-bearing balances within one integrated platform, investors can reduce unnecessary cross-platform transfers, make more efficient use of available capital, and manage opportunities across markets more effectively.
Register now and discover a more efficient way to trade across markets.
Risk Disclosure
- Securities trading, US stock options, margin financing, crypto derivatives, and other leveraged products involve significant market risk. Leverage can magnify both gains and losses and may result in the loss of some or all of your principal.
- When US stock-related assets or savings assets are used as margin, changes in the underlying asset price, applicable haircut rates, account positions, or maintenance margin requirements may affect your available margin. This may result in transfer restrictions, margin calls, order cancellations, position reductions, asset liquidation, or forced liquidation.
- Zero-days-to-expiration (0DTE) options are close to expiry and may be subject to significant price volatility, rapid time-value decay, and liquidity risk. They are high-risk products and may not be suitable for all investors.
- The stock tokens referenced herein are solely intended for investors who are a "professional investor" or satisfy the equivalent classification, including but not limited to as an “accredited investor”, a “qualified investor”, a “sophisticated investor” or a “wholesale client”, under applicable laws, rules, and regulations.
- When using cross-asset margin, a decline in the value of collateral or open positions may trigger forced liquidation. If both decline at the same time, losses may be further amplified.
- This article is provided solely to introduce product features and user flows. It does not constitute investment, financial, legal, tax, or other professional advice. For applicable product terms, fees, margin requirements, supported assets, conversion ratios, yields, and risk parameters, please refer to the latest QOVZU product pages, user agreements, official announcements, and other relevant legal documents.