4XC Review · 2026

What is 4XC?

4XC is the trading name of 4xCube Ltd, a Cook Islands company established in 2018. The firm lists Parekura Place, Avarua, Rarotonga as its operating address. It describes its model as STP (Straight Through Processing), meaning orders are routed without a traditional dealing desk. Its legal pages identify company registration 12767/2018 and Money-Changing Licence MC03/2018. The broker also states that it does not serve residents of several jurisdictions, including the Cook Islands and the United States. Its product range includes 60 forex pairs, metals, index CFDs, oil, cryptocurrencies, and Brazilian forward contracts. A CFD (Contract for Difference) tracks an underlying market without transferring ownership of that asset.

Is 4XC regulated? Verification check

Regulation at 4XC centers on the Cook Islands Financial Supervisory Commission (FSC), which oversees 4xCube Ltd under a money-changing licence. The broker discloses Licence MC03/2018, while its company registration is 12767/2018. This review records the Cook Islands licence as regulated. It does not treat that authorization as equivalent to FCA, ASIC, CySEC, or another major retail investment-firm licence. Brazil's securities regulator also issued a separate stop order, which materially changes the risk profile. The FSC licence therefore answers where the company is supervised, but not whether it is authorized to solicit securities clients in every target country. No investor compensation scheme comparable with the UK's FSCS or Cyprus ICF is disclosed.

Trading platforms

Trading platforms are MetaTrader 4 and MetaTrader 5, usually shortened to MT4 and MT5. Both platforms are available in desktop, mobile, and web-browser formats according to the broker's support pages. MT4 supports Expert Advisors, which are automated trading programs, while MT5 adds broader order-management and asset support. The broker also offers a third-party VPS (Virtual Private Server), with free access tied to a $5,000 balance and four round-turn lots per month. Clients who miss those conditions are charged $20 monthly under the published VPS terms. The MetaQuotes server is not marked as independently verified, so platform support rests on the broker's published materials.

Red flags and warning signs

Red flags in this review come from regulatory scope and a documented Brazilian enforcement notice. They do not come from an unsourced fraud label. The Cook Islands authorization is a money-changing licence, while the FXSharp scoring model gives no Tier-1 regulatory credit to this structure. The following findings are the main risk markers identified in the current record:

• CVM stop order: Brazil's regulator ordered an immediate halt to public securities offers directed at Brazilian residents in 2023.
• No Tier-1 licence: FXSharp found no FCA, ASIC, CySEC, SEC, CFTC, or comparable authorization.
• No disclosed investor compensation scheme: the broker does not identify an FSCS, ICF, SIPC, or equivalent protection fund.

Minimum deposit

Minimum deposit requirements start at $50 for the Standard account, according to the broker's current account table. The Pro account requires $100, while the VIP account requires $10,000. Investment or PAMM accounts can depend on the selected strategy rather than one fixed entry amount. The low Standard threshold reduces the cash needed to open an account. It does not change the broker's regulatory status or the separate risks created by leveraged trading. Maximum forex leverage reaches 1:500, meaning $1 of margin can control up to $500 of market exposure. Index CFDs and oil use lower maximum ratios, while cryptocurrencies are capped lower again.

Is the broker on any regulator warning lists?

The warning-list record includes Brazil's Comissão de Valores Mobiliários (CVM), the national securities regulator. On 19 October 2023, Ato Declaratório CVM 21.352 stated that 4XC and 4xCube Ltd were not authorized to solicit Brazilian residents for securities activity. It ordered immediate suspension of such public offers and set a potential daily fine of R$1,000 for non-compliance (source: CVM, 19 October 2023). In July 2024, the CVM Collegiate unanimously declined to hear an appeal because the appellant did not establish standing. The stop order was not overturned.

What do user complaints say?

User-review data presents a mixed picture rather than a single complaint pattern. A public user aggregate showed 4.5/5 from 598 reviews on the 21 September 2026 scan, with 9% of ratings at one star. Recent low-rated entries included disputes involving withdrawal verification, account termination, bonus conditions, and removal of profits. Those reports are user allegations, not regulator findings, and they sit alongside many positive reports about support and withdrawals. The aggregate therefore indicates broad customer satisfaction while still showing a minority of serious disputes. Review-site evidence should not be used as a substitute for regulator records, account agreements, or transaction documentation.

Withdrawal rules and reported issues

Withdrawal rules are detailed on the broker's funding and help pages. The payment team states that requests are processed within 24 business hours, after which arrival time depends on the payment method. Clients are limited to one withdrawal per day, and withdrawals must return to personal accounts rather than third parties. Some methods carry fees from 2% to 3%, while others use flat charges. The funding table shows settlement windows ranging from one to ten business days. A password change disables withdrawals for 24 hours, and mixed funding sources require proportional repayment. Withdrawals made without trading can also pass through deposit charges previously absorbed by the broker.

How to verify the broker for yourself

Verification should separate the company identity, the Cook Islands licence, and the Brazilian warning into three checks. This avoids treating a company registration as if it were a full retail securities authorization.

1. Search the Cook Islands FSC records for 4xCube Ltd and compare the entity name with Licence MC03/2018.
2. Confirm that the legal address matches Parekura Place, Avarua, Rarotonga, Cook Islands.
3. Search Brazil's CVM for Ato Declaratório 21.352 and review the 19 October 2023 stop order.
4. Check whether any new regulator authorization or warning has appeared after the date of this review.

The entity name is the key detail to match during verification. A similar brand name, website domain, or company registration alone does not prove that a financial-services licence covers forex or securities dealing. The regulator record should show the same legal entity and the relevant permission.

Where is the broker actually based?

The broker is based in Avarua, Rarotonga, Cook Islands, under 4xCube Ltd. Its contact page lists Parekura Place and a United Kingdom-format support telephone number, but the legal entity remains Cook Islands registered. The site also lists Cook Islands residents among its restricted jurisdictions. Headquarters location therefore does not mean the firm accepts local retail clients. This distinction matters when comparing corporate registration, target markets, and investor-protection rules. The broker's own Brazilian-language pages and BRL account support show a commercial connection to Brazil, which is also the market addressed by the CVM action. Geography and authorization must therefore be checked separately.

Account types and bonus terms

Account types include Standard, Pro, VIP, PAMM investment accounts, Forward Contracts, Islamic arrangements, and demo access. Standard pricing starts from 1.0 pip, where a pip is the standard small forex price increment, with no regular FX commission. Pro and VIP pricing starts from 0.0 pip, with commissions of $5 and $4 per round lot on FX and metals. The Standard Islamic condition is swap-free for the first 30 days, after which the account converts to normal swap terms. Forward Contracts are available on MT5 for specified Brazilian instruments.

Is 4XC safe? Honest assessment

Safety assessment depends on separating operational features from regulatory protection. The broker provides MT4 and MT5, a $50 entry account, documented stop-out rules, segregated client-fund statements, and retail negative-balance protection for forex and metals. The regulatory side is weaker. Its licence is a Cook Islands money-changing authorization, no investor compensation scheme is disclosed, and Brazil's CVM issued a stop order in 2023. The FXSharp score of 1.6/10 reflects those regulatory limitations despite the broker's functioning trading infrastructure.

Forex and derivative products carry high leverage; some or all invested capital may be lost. This content is for information only, not investment advice. Verify the broker's current regulation status with the relevant authority's official site before any investment decision.