Questions

Including the ones we would rather you did not ask, answered the same way.

The questions worth asking first

Can I lose money?

Yes. Trading carries a real risk of loss, up to and including all of the capital you allocate to MONUNI. No system can remove that, and anybody telling you otherwise is selling something. What MONUNI can do is enforce the limits you set, refuse trades that do not fit them, and show you exactly why every decision went the way it did.

Can MONUNI take my money?

No, and not because we promise not to. MONUNI never asks for withdrawal permission, and a live API key that carries one is refused when you try to connect it. Your funds stay in your own exchange account throughout — there is no MONUNI wallet and no point at which your money passes through us.

Do you guarantee returns?

No. We do not publish guaranteed-income claims, and we do not show performance figures until there have been enough closed trades for them to mean anything — a win rate over three trades is a fact about the sample, not about the strategy.

What happens to my API secret?

It is verified against the exchange first, so a key that does not work is rejected immediately rather than stored. Then it is encrypted with a key that is itself wrapped by a separate master key and bound to your specific connection. It is never shown again, never returned by our API, and never written to a log — not to you, and not to MONUNI staff.

Getting started

Do I need to connect an exchange to try it?

You need one to see MONUNI work on live market data, but it can be a testnet key — real prices, fake money. MONUNI behaves identically, so nothing you learn in test is wasted.

Will it start trading as soon as I connect?

No. Every new connection starts in Observe mode, where MONUNI analyses and records and places nothing at all. Moving to Paper, then Approval, then Auto is a series of deliberate decisions you make.

How long should I watch before using real money?

Long enough to have seen a bad week as well as a good one. Pay particular attention to the trades MONUNI declined — that is where you find out whether you agree with how it thinks.

How it behaves

Why does it so often not trade?

Because most of the time, not trading is correct. A trade has to clear market conditions, exposure limits, cooldowns, your daily loss limit and your drawdown limit, and it has to be sizeable within your risk-per-trade rule. Every refusal is recorded with its reason, so a quiet week is legible rather than mysterious.

Can an agent override my risk limits?

No. The risk engine sits between every agent and every order, and it is enforced by the engine that places orders rather than by the screen that displays them. An agent proposes; it does not decide the size, and it cannot execute.

What does the emergency stop actually do?

It prevents MONUNI opening new positions or placing new orders. It deliberately does not liquidate anything, and it leaves your stop losses and take profits running — a panic button that also disarmed your protection would be the most dangerous control on the platform. To exit a position, close it deliberately.

Does an AI language model decide my trades?

No. Language models are used to explain reasoning in plain English and to summarise context. They cannot place an order, size a position, or bypass a risk check — the interface between them and the trading engine only carries prose.

Money and plans

If I downgrade, do I get stuck in open positions?

No. Plan limits control what MONUNI may start, never what it may safely finish. Stop losses, take profits, reducing exposure and closing a position work on every plan, in every state, always.

Does a bigger plan trade more aggressively?

No. A bigger plan raises ceilings — more connections, more agents, more open positions, and access to Auto mode. Your risk limits are yours and are identical on every plan.

Is a deposit counted as profit?

Never. Performance is computed from the position ledger, not from changes in your balance, so money you wire in cannot appear as a gain.

Still unsure?

The free plan has no time limit and no card. Watch MONUNI work on test data for as long as you need to make up your mind.