Client funds

What is published about your money, and what is not.

One statement about client funds appeared consistently on both previous GIO4X websites. This page sets it out in plain words, explains what it means in general, and lists what remains unanswered.

GIO4X’s published statement

Client funds are held with banking institutions, in accounts separate from the company’s own operating funds.

A plain-words rendering of what both previous GIO4X websites said. It is GIO4X’s own statement. It has not been verified by a third party, and it is not accompanied here by the name of any institution.

What this page leaves out

The previous websites went further: they graded the banks, quoted a total of funds held, and described insurance and protection schemes. None of that was evidenced and some of it contradicted the sites’ own risk text, so it is not repeated.

If any of it is confirmed, it will be published with the name, the document and the date.

In general terms

What holding funds separately means

This is a general explanation of the practice. It is not a description of GIO4X’s specific arrangements, which are not yet published in detail.

Two sets of accounts
A firm that holds client money separately keeps it in bank accounts that are distinct from the accounts it uses to pay its own salaries, rent and suppliers. The purpose is that client money can be identified as client money.
A record of who is owed what
Separation is only as good as the firm’s books. The firm has to reconcile the money in the client accounts against its records of each client’s balance, and to do so regularly.
The law decides what it is worth
Whether separately held money is legally ring-fenced from a firm’s creditors depends on the law of the country, the terms of the bank account and any regulator’s rules. The same words can mean strong protection in one jurisdiction and little in another.

The limits

What it does not protect against

Market losses
Money you lose by trading is lost. Separation concerns where your balance is kept, not what happens to it when a position moves against you.
Losses larger than your deposit
Leveraged positions can lose more than the money in the account. Where the terms allow it, you can owe the difference.
The failure of the bank itself
Money in a client account is a deposit at a bank. If that bank fails, what is recovered depends on that bank and that country’s rules.
A shortfall at the firm
If a firm’s records are wrong or money is missing, separation does not make up the difference. That is what compensation schemes exist for, where there is one.
Delay
Even where client money is fully protected in law, returning it after an insolvency can take a long time.

On this last subject the carried-over Risk Disclosure says it directly: there is no guarantee that all funds will be recovered.

Due diligence

Questions you should ask any broker, including us.

Five questions, why each one matters, and where GIO4X stands on it today. Where the answer is not published, the entry says so.

1
Which legal entity holds my account?
Your contract, and any claim you might have, is with a specific company in a specific country, not with a brand name.
GIO4X today
Published
GIO4X, a subsidiary of 777 Capital Markets Limited (UK), Company No. 17049134. The carried-over Terms do not yet name the entity that contracts with clients; that point is under legal review.
Terms of Service
2
Which regulator supervises that entity, if any?
A regulator sets the rules for how client money is held and gives you somewhere to complain. A company registration number is not a regulatory authorisation.
GIO4X today
Not yet published
No regulator, licence number or register entry for GIO4X is published on this site.
3
Where are client funds held?
The name and country of the institution determine which law governs the account and how sound the holder is.
GIO4X today
Not yet published
GIO4X’s published statement is on this page. The institutions are not named and their countries are not stated.
4
What happens to my money if the broker becomes insolvent?
Whether separately held funds are returned to clients, and how quickly, depends on the law that applies and on whether a compensation scheme exists.
GIO4X today
Not yet published
Not published. The carried-over Risk Disclosure states only that there is no guarantee that all funds will be recovered. No compensation scheme or insurance is stated.
Risk Disclosure, section 12
5
Is there negative-balance protection in the terms?
Without it in the contract, a fast market can leave you owing more than you deposited.
GIO4X today
Published
The carried-over Terms and Risk Disclosure contain no such clause. They state that you may lose more than your initial deposit. Take that as the position unless GIO4X confirms otherwise to you in writing.
Terms, section 6

Not on this site yet?

The regulatory details for GIO4X are not yet published on this site. You can request them, and the answers to any of the questions above, before you open an account. Ask for the reply in writing and keep it. Write to info@gio4x.com or use the contact page.

Put the same five questions to every broker you consider. A firm that answers them with names, numbers and documents has told you something. So has a firm that does not.

Page last changed: 10 October 2026

Continue

Fetching the page

The published statement

What holding funds separately means

Two sets of accounts

A record of who is owed what

The law decides what it is worth

What it does not protect against

Market losses

Losses larger than your deposit

The failure of the bank itself

A shortfall at the firm

Delay

Questions you should ask any broker, including us.

Which legal entity holds my account?

Which regulator supervises that entity, if any?

Where are client funds held?

What happens to my money if the broker becomes insolvent?

Is there negative-balance protection in the terms?

The published statement

What holding funds separately means

Two sets of accounts

A record of who is owed what

The law decides what it is worth

What it does not protect against

Market losses

Losses larger than your deposit

The failure of the bank itself

A shortfall at the firm

Delay

Questions you should ask any broker, including us.

Which legal entity holds my account?

Which regulator supervises that entity, if any?

Where are client funds held?

What happens to my money if the broker becomes insolvent?

Is there negative-balance protection in the terms?