How do I opt out of ARM?

If you'd prefer to lock in a fixed rate rather than tracking the market, you can opt out by setting a floor rate:

1. Edit your deposit and toggle Advanced on
2. Find the currency pair you want to switch
3. Toggle the Floor on at the bottom of the rate panel
4. Enter your desired fixed rate
5. Review and submit the transaction

Once confirmed, the floor acts as your minimum rate. If the market drops below it, the floor kicks in and your rate stays fixed at that level.

You can opt out per currency pair — no need to change all of them at once. And you can go back to ARM anytime by toggling the floor off.

Trade-off: Fixed rates don't update automatically. If the market moves and you don't adjust, your deposit might become uncompetitive or overly generous.