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TTI On-Site Verification & 30-Day Platform Review

Assessment in progress Verified by Trading Trust Index · 2026 Office visited • Licence verified Office visited 7 October 2026 · valid until 7 October 2027

Assessed entity: Trading Point of Financial Instruments Ltd Platform: To be confirmed when platform testing starts Live account Report published

Assessment in progress This report is not final. Our visit confirmed the office and the licence, so the Verified badge has been issued. Platform testing is part of the 30-day review, and nothing about its outcome should be inferred from this report. Sections are completed as the work is done.

We visited XM’s head office in Limassol on 7 October 2026 and confirmed a real, staffed office of Trading Point of Financial Instruments Ltd, the CySEC-licensed company that serves XM’s clients in the European Economic Area, at the address it gives clients and its regulator. The 30-day platform test has not started, so this review is in progress and no testing outcomes are recorded yet. The office points count in XM’s trust score from the publication of this report; the testing points will count once the review is decided.

Assessment scope

Legal entity
Trading Point of Financial Instruments Ltd, company number HE 251334, incorporated in Cyprus
Office
Head office, 12 Richard and Verengaria Street, Araouzos Castle Court, 3rd Floor, 3042 Limassol, Cyprus
Platform
To be confirmed when platform testing starts
Account type
Live account: A live retail account is planned for the 30-day platform test.
Devices tested
Not recorded
Jurisdiction
Cyprus
Period
Office visit 7 October 2026

Services in scope

CFD trading offered to retail clients in the European Economic Area by Trading Point of Financial Instruments Ltd, under its CySEC licence 120/10.

Outside the scope

XM’s other companies (XM Global Limited, XM (SC) Limited, XM International MU Limited, XM ZA (Pty) Ltd and Trading Point MENA Limited) and the group’s separate Trading.com brand are outside this review.

A badge covers the legal entity, office and platform named in the assessment. It does not mean that other companies in the same group were assessed.

Office visit and staff meetings

Office visited on 7 October 2026: Head office, 12 Richard and Verengaria Street, Araouzos Castle Court, 3rd Floor, 3042 Limassol, Cyprus

What we observed

The head office of Trading Point of Financial Instruments Ltd at the address it gives clients and CySEC, staffed and operating during our visit. The visit confirmed all three presence checks: a real office at the stated address, used by the assessed company, with its own staff present and working.

Staff we met

We record roles, not names, of the staff we meet.

Testing record

Testing has not started.

Findings by testing category

Company identity

Not yet recorded

Testing points: Legal name, trading name, official domain, office address, and the entity covered by the assessment.

Regulatory claims

Not yet recorded

Testing points: Relevant register entries, licence details, authorised activities where available, and the relationship between the tested account and the listed entity.

Office visit

Tested or checked

Testing points: Visit date, location, premises observed, staff roles interviewed, and limits on access.

What we tested: Visit to the Limassol head office of Trading Point of Financial Instruments Ltd on 7 October 2026.

Result: A real, staffed and operating office of the assessed company at the address it gives clients and CySEC.

Account opening

Not yet recorded

Testing points: Registration steps, identity checks, account agreements, clarity of entity information, and observed onboarding times.

Platform usability

Not yet recorded

Testing points: Navigation, available functions, stability during testing, desktop and mobile experience where tested, and clarity of account information.

Costs and disclosures

Not yet recorded

Testing points: Published fees, observed charges, spreads or commissions where applicable, and clarity of relevant terms.

Customer support

Not yet recorded

Testing points: Channels tested, response times, usefulness of responses, and handling of selected questions.

Deposits and withdrawals

Not yet recorded

Testing points: Methods tested, amounts, dates, observed processing times, charges, and any difficulties.

Only marked tested when actual transactions occurred. Testing on a demo account never counts as deposit or withdrawal testing.

Trading functions

Not yet recorded

Testing points: Order placement, modification, closing, and account records where applicable.

Observations apply only to the conditions tested.

Complaints process

Not yet recorded

Testing points: Accessibility of the published process and staff explanations.

We do not claim that dispute resolution was tested unless an actual case was assessed.

Positive observations and concerns

Positive observations

None recorded yet.

Concerns

None recorded yet.

Both describe what we found during the review period, for the scope above. Neither is a conclusion about the company as a whole.

Untested areas and limitations

  • Platform testing has not started yet; a live, funded account is planned.
  • Deposits and withdrawals have not been tested yet.
  • Company identity: not yet recorded.
  • Regulatory claims: not yet recorded.
  • Account opening: not yet recorded.
  • Platform usability: not yet recorded.
  • Costs and disclosures: not yet recorded.
  • Customer support: not yet recorded.
  • Trading functions: not yet recorded.
  • Complaints process: not yet recorded.
  • Trading observations apply only to the conditions we tested.
  • A badge is valid for 12 months from the approval date, unless we withdraw it earlier because material information changes. We do not monitor the company continuously in between.

Evidence

No evidence items are published for this review yet.

Company response

The company has not provided a response.

Before publication the company is entitled to a private findings discussion, where it can clarify observations and supply supporting evidence; we correct substantiated errors and keep control of the findings and decision. It may also respond to this report. Its response is published as its own statement and does not change our findings or decision.

Verification decision

No decision has been made. A decision is made only after the testing programme ends and the evidence has been reviewed.

Requirements, programme version 1.0

  • Not met Identity and scope checks completed. The assessed legal entity, office, platform and account type are recorded, and the company identity and regulatory claims checks are marked tested or checked.
  • Met A verified licence. The assessed legal entity holds a current licence that we have checked on the regulator’s own register, so the badge can say “Licence verified”.
  • Not met A documented office visit that confirmed the office. The visit date, the office address, what we observed at the premises and the roles of the staff we met are recorded, and the office visit check is marked tested or checked. Each presence check is recorded and none is not met: a real office at the stated address (not a ghost address), used by the assessed entity, staffed and operating.
  • Not met The 30-day testing programme completed. The testing window lasts at least 30 days and has ended, and the testing record shows dated activity in every seven-day period of the window.
  • Not met Every testing point recorded. Each of the ten testing categories is marked tested or checked, partially tested, not tested or not applicable; every point that is partially tested or not tested has an explanation; and every point tested has a recorded outcome.
  • Not met Sufficient evidence. Every point marked tested, checked or partially tested cites at least one item in the evidence log.
  • Not met No unresolved material concern. Nothing we found contradicts the company’s stated identity or regulatory status, and any failed test transaction or other material problem was explained or resolved before the decision.
  • Not met Editorial approval. We review the full assessment and record the decision and the reasons for it.

The published requirements

Reviewer and dates

Reviewer
Trading Trust Index, Research
Office visit
7 October 2026
Testing period
Not started
Private findings discussion
Not yet held
Published
7 October 2026
Verification programme
Version 1.0
Trust methodology
Version 1.2

Revision history

  1. Report published.

Displaying the badge

XM may show the badge on its website with this code. We host the image, and it always shows this review’s current status, so please do not download or alter it. If the review is approved after the 30-day platform test, the same code shows the full badge.

This badge confirms that we visited the specified office and found a real, staffed office of the assessed company at the address it gives clients and its regulator, and that the company’s licence is verified on its regulator’s register. It covers the visit and the licence check: the 30-day platform review is separate. It lasts 12 months from the visit and does not constitute regulatory approval or guarantee the safety of funds.

<a href="https://tradingtrustindex.com/brokers/xm/on-site-verification-limassol-2026/"><img src="https://tradingtrustindex.com/badges/verification/1.svg" alt="Verified by Trading Trust Index 2026: office visited, licence verified. Read the assessment." width="400" height="56"></a>

A badge covers the legal entity, office and platform named in the assessment. It does not mean that other companies in the same group were assessed.