x4t review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
x4t is an exchange based in Paraguay that suits active crypto traders who want to trade without paying a fee on either side. Its taker fee of 0% and maker fee of 0% sit at the top of the 121 exchanges compared, and it holds a VASP licence.
Key facts
- Best for
- Traders who want fee-free trading on a long coin list
- Taker fee
- 0%↗
- Coins listed
- 500↗
- Regulators
- SEPRELAD (Secretaria de Prevencion de Lavado de Activos y del Financiamiento del Terrorismo) - VASP licence↗
- Fiat deposit methods
- Card, Bank↗
- Maker fee
- 0%↗
- Exchange type
- Cex↗
- Legal entity
- X4T S.A.↗
- Headquarters
- Paraguay↗
- Founded
- 2021↗
- Support channels
- Email, Chat, Phone, Help-centre, Community↗
- Features
- Custodial, Self-custody
- Official website
- x4t.com
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- TrustpilotLinkedInXdiscord.ggt.me
Pros and cons
Pros
- No trading cost on either side: taker fee of 0% and maker fee of 0%
- Leads the ranking of 121 brands on taker fee, ahead of bunq at 0.25% to 1.99% and eToro at 1%
- 500 coins listed, well above the 71.5 typical of the exchanges on the site
- Support runs on email, chat and phone
Cons
- Coin count of 500 places it around 26 of 176 brands compared on listings
- Fiat deposits run through card and bank only, and card and bank transfer are the most common methods across the site
- A custodial option means the exchange can hold your coins, alongside the self-custody route in custodial and self custody
Who it suits
- Active traders placing many orders who dislike paying per trade
- Anyone who wants a long coin list with no trading charge
- Self-custody users who also want a custodial option in the same app
Who should look elsewhere
- eToro, if you want a copy-trading and social platform rather than a plain exchange
- bunq, if you want a bank account with crypto as one feature among several
- Anyone after fiat deposit rails beyond card and bank
Fees and FX
The taker fee is 0% and the maker fee is 0%, so trading costs nothing on either side of the book. That puts x4t at the top of 121 brands compared on this measure, while the typical taker fee across the exchanges on the site is 0.25%. bunq charges 0.25% to 1.99% and eToro charges 1% for comparison. No separate account or deposit charge is stated for the brand, so an FX rate cannot be given.
The company behind it
x4t is run by X4T S.A., registered in Paraguay, and was founded in 2021. It operates as a cex listed with SEPRELAD (Secretaria de Prevencion de Lavado de Activos y del Financiamiento del Terrorismo) VASP licence, the virtual asset service provider licence it holds. No UK or EU regulator is named, so UK protection schemes do not follow from that licence. Support runs on email, chat and phone, so a phone line and live chat sit alongside email and a help centre.
How x4t compares
9.2 vs 9.5
9.2 vs 9.3
9.2 vs 9.4
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9.2 vs 9.2Its taker fee of 1% sits above x4t's 0%, and it leans on copy trading and social features.
9.2 vs 9.4
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9.2 vs 9.0
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9.2 vs 8.4- 9.2 vs 8.0
Where x4t is available
- Available
- Paraguay
- Licence in Paraguay
- SEPRELAD (Secretaria de Prevencion de Lavado de Activos y del Financiamiento del Terrorismo) - VASP licence, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to trade on x4t?+
Nothing on either side of the trade. The taker fee is 0% and the maker fee is 0%, so placing and taking liquidity both cost 0%. That is below the 0.25% typical across the exchanges listed on the site.
Is x4t regulated?+
The licence record names SEPRELAD (Secretaria de Prevencion de Lavado de Activos y del Financiamiento del Terrorismo) VASP licence. The entity behind the exchange is X4T S.A., registered in Paraguay. No UK or EU regulator is named, so a UK protection scheme cannot be relied on.
How do I fund the account?+
Fiat deposits run through card and bank. Bank transfer is the most common funding route among the exchanges on the site, with card payments second. x4t covers both of the common methods, so funding does not rest on a rail that is rare across the market.
Which coins can I trade?+
The market page lists 500 coins, a longer list than the 71.5 typical across exchanges on the site. On listing volume x4t sits around 26 of 176 brands compared, so the range is strong but not the widest available.
Can I hold my own coins?+
Yes, and the choice is custodial and self custody. A custodial account keeps assets with the exchange, while a self-custody wallet holds the keys with you. Custodial accounts are the more common model, at 54% of the site against 46%.
What kind of exchange is it?+
It is a cex, meaning the exchange holds the order book and settles trades itself. Centralised exchanges make up 92.1% of the site, so x4t follows the majority model rather than the decentralised minority at 7.9%.
How do I get help?+
Support runs on email, chat and phone. Chat is the quickest route, and a help centre covers common questions, with email and phone for anything longer. Across the site a help centre is offered by 79.6% and phone by 74.4%, so x4t's range is above average.
Is x4t risky for retail investors?+
Trading here carries the usual market risk. The site figures put a typical retail loss at 70.15%, with most of the market sitting in a 65.75% to 74.5% band and the worst cases reaching 88%. No deposit protection scheme is named for x4t, so losses sit with the trader.
Sources
- seprelad.gov.py/siro/soprovisorio/impresionsolicitudso.xhtml checked September 26, 2026
Backs: Regulators, Licences
- x4t.com checked September 26, 2026
Backs: Exchange type, Maker fee, Taker fee
“X4T's centralized platform advantages, including Fireblocks-secured wallets, 'Fiat for Crypto' options, and a simple UI”
- x4t.com/en/about-x4t checked September 26, 2026
Backs: Founded, Headquarters
“X4T was launched in December 2021”
- x4t.com/en/contact checked September 26, 2026
Backs: Support channels
“Our team is ready to help - online, via WhatsApp, or in person at our office in Asuncion. Email support@x4t.com ... Visit our Support Center”
- x4t.com/en/market checked September 26, 2026
Backs: Coins listed
“500 Cryptocurrencies”
- x4t.com/en/multichain checked September 26, 2026
Backs: Features
“Your assets sit in segregated Fireblocks vaults ... you can also withdraw to any self-custody wallet you control”
- x4t.com/en/terms-and-conditions checked September 26, 2026
Backs: Fiat deposit methods, Legal entity
“Payments by credit and/or debit card are accepted ... X4T S.A. provides an option to complete transactions via bank transfer”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.