> ## Documentation Index > Fetch the complete documentation index at: https://docs.roxom.com/llms.txt > Use this file to discover all available pages before exploring further. # Understanding your Portfolio > Learn how the Portfolio page shows everything you hold across your Funding Account and Unified Trading Account (UTA). The **Portfolio** page shows everything you hold on Roxom in one place, across your two accounts: the [Funding Account](/help-center/account-basics/understanding-your-roxom-accounts#funding-account) and the [Unified Trading Account (UTA)](/help-center/account-basics/understanding-your-roxom-accounts#unified-trading-account-uta). You can find it at **roxom.com/exchange/portfolio**. You need to be logged in to see it. > [!NOTE] > > All amounts on the Portfolio page can be shown in **BTC**, **SATS**, or **USD**. Use the unit toggle next to your balance to switch. Learn more in [Display preferences](/help-center/account-basics/display-preferences). ![Full Porfolio View](https://mintcdn.com/roxom/ZrYOl5-at-FGfp7f/images/full-porfolio-view.png?fit=max\&auto=format\&n=ZrYOl5-at-FGfp7f\&q=85\&s=2e061650e45d01c9e518652f402da517) *** ## Portfolio Overview (left sidebar) The **Portfolio Overview** sidebar summarizes your balances at a glance. | Item | What it shows | | :- | :- | | **Total balance** | The sum of both accounts, in USD with the BTC equivalent (≈) | | **Accounts** | Your **Funding Account** and **Trading Account**, each with its balance in USD and BTC | | **Strategies** | Products you have active, for example **Loans** | * Click the **eye icon** to hide or show your balances. * Click the **arrow** to collapse or expand the sidebar. ![Sidebar](https://mintcdn.com/roxom/ZrYOl5-at-FGfp7f/images/sidebar.png?fit=max\&auto=format\&n=ZrYOl5-at-FGfp7f\&q=85\&s=fa6a1f0d96c43a7b63ad68286ece82c3) *** ## Balance chart The main card shows your headline balance in USD with the BTC equivalent, and a chart of your portfolio over time. Click the unit to switch between **BTC**, **SATS**, and **USD**. ### Timeframes Choose the period shown on the chart: **1W**, **1M**, **3M**, **6M**, **1Y**, or **All**. ### Views | View | What it shows | | :- | :- | | **Value** | How your total portfolio balance changed over time | | **P\&L** | Your profit and loss over the selected period. This tab is hidden when P\&L data is not available for your account. | | **Composition** | A donut chart and list of your holdings, grouped by asset, by class (**Bitcoin**, **Equities**, **Stablecoins**), and by account (**Funding**, **Trading**), each with its % of the total | > [!NOTE] > > The chart covers your **whole portfolio**. There is no per-account history yet. ### Chart color Click the **gear icon** and open **Chart color** to pick one of 8 preset colors or choose **Custom**. Your choice is saved in your browser, so it may reset if you switch browsers or clear your browser data. ![Balance Chart Portfolio](https://mintcdn.com/roxom/ZrYOl5-at-FGfp7f/images/balance-chart-portfolio.png?fit=max\&auto=format\&n=ZrYOl5-at-FGfp7f\&q=85\&s=669a92a609bb7020733be5c0ec640462) ### What you might see instead of the chart | Situation | Message | What to do | | :- | :- | :- | | History could not load | "We couldn't load your portfolio history. Try again in a moment." | Wait and refresh. Roxom never fills in missing data with estimates. | | New account without identity verification | "Complete your account" | Click **Verify identity** to start [KYC](/help-center/kyc/how-to-complete-your-account-verification-kyc). | | Verified account with a zero balance | "Start with a deposit" | Click **Deposit** to add BTC, USDT, or USDC, or **Transfer** to move funds between accounts. | *** ## Income The **Income** card shows upcoming dividend and yield income from the assets you hold. * **30-day payout strip**: a timeline from **Today** to +30 days showing when payouts are due. * **Payout list**: each row shows the asset, shares × rate per share, the amount, and the payment date. * Some amounts are marked "Estimated from the last declared payment". These are estimates, and the final amount can differ. * **Yield**: your annual income as a share of your whole portfolio. ### Discover income assets Use the tabs to browse the highest-yield assets: | Tab | What it lists | | :- | :- | | **Holdings** | Income-paying assets you already hold | | **Digital credit** | Bitcoin-backed preferreds that pay in bitcoin, some of them daily | | **Stocks** | Dividend-paying stocks | | **Income ETFs** | ETFs focused on income | Each asset has a **Buy** or **View** button. Learn how dividends are handled in [How corporate actions are handled](/help-center/one-click-trade/how-corporate-actions-are-handled). ### If you have no income yet You'll see "No income yet. Assets that pay you to hold them, paid in bitcoin." Click **Start earning** to take a short quiz. It asks about your desired yield, whether you're interested in digital credit, and whether you prefer stocks or ETFs, then suggests assets that match. > [!TIP] > > The **Income** and **BLOC** cards work like an accordion: only one is open at a time. Opening one closes the other. ![Porfolio Income](https://mintcdn.com/roxom/ZrYOl5-at-FGfp7f/images/porfolio-income.png?fit=max\&auto=format\&n=ZrYOl5-at-FGfp7f\&q=85\&s=bf8000a271d78305b5f4e8a1946951c3) *** ## Bitcoin Line of Credit (BLOC) The **BLOC** card shows your [Bitcoin Line of Credit](/help-center/loans/what-is-roxom-loans): a loan backed by the BTC in your Funding Account. ### Summary * **Available to borrow**: how much you can borrow, based on the BTC in your Funding Account. * **APY**: the current borrowing rate. * **Max LTV**: the maximum loan-to-value, for example "up to 50% LTV". ### With an open credit line | Item | What it shows | | :- | :- | | **LTV gauge** | Your current LTV, with the bands **Healthy**, **Watch**, **Margin call**, and **Liquidating** | | **If BTC falls −X%** | A stress view of what happens to your LTV if the BTC price drops | | **Borrowed** | Your outstanding loan, with the daily interest | | **Collateral** | The BTC securing your loan | | **Available to borrow** | How much more you can borrow | | **Liquidation price** | The BTC price at which your collateral would be liquidated | The card also shows remedy hints when your LTV needs attention, for example "Back to X%: add N BTC or repay Y", or "Interest alone reaches a margin call in N days". See [LTV, margin calls, and liquidation](/help-center/loans/ltv-margin-calls-and-liquidation). ### Actions | Action | What it does | | :- | :- | | **Borrow** | Draw more funds from your credit line | | **Repay** | Pay back part or all of your loan | | **Add BTC** | Add collateral to lower your LTV | | **Release** | Release collateral you no longer need | An action can be disabled when: * Borrowing is paused * Your line is being liquidated * Your line is in margin call * There is no headroom left * Identity verification (KYC) is required Learn more in [Repayment and interest](/help-center/loans/repayment-and-interest). ### Without a credit line You'll see one of these buttons, depending on your account: * **Open credit line**: start a new line. See [How to open a credit line](/help-center/loans/how-to-open-a-credit-line). * **Deposit BTC**: add BTC to use as collateral. * **Verify identity**: complete KYC before you can borrow. The APY is variable and interest accrues daily. A minimum loan amount applies, and you can have one line per currency. See [Rates and terms](/help-center/loans/rates-and-terms) for details. ![Bloc Portfolio](https://mintcdn.com/roxom/ZrYOl5-at-FGfp7f/images/Bloc-Portfolio.png?fit=max\&auto=format\&n=ZrYOl5-at-FGfp7f\&q=85\&s=fe0ae7485087c51109d905f9343b210d) *** ## Earn The **Earn** card lets you manage [Earn](/help-center/btc-earn/how-auto-earn-works) on your Funding Account. Earn is available for **BTC**, **USDC**, and **USDT**, and each asset is enabled independently. * Use the **toggle** to turn Earn on or off. * **APY - Variable**: the current rate. * **Total Earned**: everything you've earned so far, in USD with the BTC equivalent. * **Last Earnings**: your most recent credit, in USD with the BTC equivalent. ### How it works * Earn applies to your full available balance of each enabled asset in your Funding Account, including future deposits of that asset. * Earnings are paid in the **same asset**: BTC earns BTC, USDC earns USDC, and USDT earns USDT. * Earnings accrue daily and are credited to your Funding Account after each 00:00 UTC cutoff. * For USDC and USDT, your balance is placed in **Aave v3** on the Ethereum network to generate the yield. See the [Terms and Conditions - Earn Stablecoins](/legal/terms-and-conditions-earn-stablecoins). * Your funds stay available at all times. * Rates are variable and not guaranteed. ### Your Earnings Open **Your Earnings** to see the details of the current earning window: | Item | What it shows | | :- | :- | | **Status pill** | "Earning window in progress" | | **Countdown** | "Next credit in HH:MM:SS". Earnings are credited daily at **00:00 UTC**. | | **Window started** | When the current window began | | **Next earnings credit** | When the next credit arrives | | **Active since** | The date you started earning and the number of days | For **BTC**, earnings are calculated on the **lowest BTC balance** held in your Funding Account during each daily window (00:00 UTC to 00:00 UTC). If you withdraw or transfer BTC during the window, that day's earnings use the lower balance. For **USDC** and **USDT**, the rate applies to your subscribed balance for each daily window. See [Rates, earnings calculation, and credits](/help-center/btc-earn/rates-earnings-calculation-and-credits). ![Porfolio Earn](https://mintcdn.com/roxom/ZrYOl5-at-FGfp7f/images/porfolio-earn.png?fit=max\&auto=format\&n=ZrYOl5-at-FGfp7f\&q=85\&s=09a5dafe750eac796411d292589d3892) *** ## Consolidated balances The **Consolidated balances** table lists every asset across both accounts. Use the tabs to filter: * **Overview**: both accounts together * **Funding**: Funding Account only * **Trading**: Trading Account only Click **View account** to open that account's page. | Column | What it shows | | :- | :- | | **Asset** | The asset you hold | | **Balance** | How much of it you hold | | **Price** | The current price | | **Avg. entry** | Your average entry price (trading positions only) | | **Total value** | The value of your holding | | **Unrealized P\&L** | Your open profit or loss (trading positions only) | > [!NOTE] > > **Avg. entry** and **Unrealized P\&L** only apply to trading positions. For other assets they show "·". The table shows 8 rows per page. Use the pagination controls to see more. ![Portfolio Consolidated Balances](https://mintcdn.com/roxom/ZrYOl5-at-FGfp7f/images/portfolio-Consolidated-balances.png?fit=max\&auto=format\&n=ZrYOl5-at-FGfp7f\&q=85\&s=2ccd341f0ef96e6d042ccafcb5e422a9) *** ## Activity The **Activity** feed merges your Funding and Trading activity into one list, newest first. Click **View all** to open your full history. ### Tabs * **All**: every movement * **Funding**: Funding Account activity * **Trading**: Trading Account activity (last 90 days) ### Filter by product Use the **Filter by product** dropdown to narrow the list: All products, Deposits & withdrawals, Transfers, Loans, Spot, Dividends. Only the categories that apply to the selected tab are shown. ### Columns | Column | What it shows | | :- | :- | | **Date** | When the movement happened | | **Type** | For example earn, deposit, withdrawal, transfer, loan, or trade | | **Asset** | The asset involved | | **Account** | Funding or Trading | | **Amount** | The amount. Credits are shown in green with a **+**. | | **Status** | The current status of the movement | ![Portfolio Activity](https://mintcdn.com/roxom/ZrYOl5-at-FGfp7f/images/activity2.png?fit=max\&auto=format\&n=ZrYOl5-at-FGfp7f\&q=85\&s=73d40a856b9a37925e5810944e14b68f) To check a specific withdrawal, see [How do I check the status of my withdrawal?](/help-center/crypto-deposits-withdrawals/how-do-i-check-the-status-of-my-withdrawal) *** ## Frequently asked questions > **Why is my total different from my Trading Account?** > > Your **Total balance** adds up both accounts: your Funding Account and your Trading Account. Your Trading Account balance only shows what is held in the UTA. See [Understanding your Roxom accounts](/help-center/account-basics/understanding-your-roxom-accounts). > **Why can't I see my chart?** > > Either your portfolio history failed to load (try again in a moment), or your account is new. New accounts first need to verify their identity and make a deposit before there is history to show. > **Why is the P\&L tab missing?** > > The **P\&L** tab is hidden when P\&L data is not available for your account. You can still use the **Value** and **Composition** views. > **When do Earn credits arrive?** > > Earn credits arrive daily at **00:00 UTC**. The **Your Earnings** modal shows a countdown to the next credit. See [Rates, earnings calculation, and credits](/help-center/btc-earn/rates-earnings-calculation-and-credits). > **What is LTV?** > > LTV (loan-to-value) is the size of your loan compared to the value of your BTC collateral. As the BTC price falls or interest accrues, your LTV rises. If it reaches the margin call or liquidation level, you need to add BTC or repay. See [LTV, margin calls, and liquidation](/help-center/loans/ltv-margin-calls-and-liquidation). *** > [!WARNING] > > This content is for informational purposes only and does not constitute investment advice. Trading digital assets involves significant risk, including the potential loss of your entire investment. Please review our [Risk Notice](/legal/risk-notice) before trading. ## Need help? Still have questions? You can speak to **Roxy**, our AI support assistant, available 24/7 in the chat bubble at the bottom right of your screen. You can also contact our support team directly at [help@roxom.com](mailto:help@roxom.com). *** ## Related articles > **[Understanding your Roxom accounts](/help-center/account-basics/understanding-your-roxom-accounts)** > > Open article > **[What is Earn?](/help-center/btc-earn/what-is-btc-earn)** > > Open article > **[What is BLOC?](/help-center/loans/what-is-roxom-loans)** > > Open article > **[How to deposit crypto](/help-center/crypto-deposits-withdrawals/how-to-deposit-crypto-into-my-roxom-account)** > > Open article This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.