> ## Documentation Index
> Fetch the complete documentation index at: https://developers.uqpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Holdings

> The merchant dashboard Treasury > Holdings page — view active and historical yield positions by product (principal, accrued yield, APY, start/maturity dates, status), and redeem flexible, matured, or early-redeemable fixed-term positions.

## What this is

This is the **Holdings** page under the **Treasury** module in the merchant dashboard (left nav **Treasury** → **Holdings** tab; page subtitle "Active and historical positions held with UQ QUBIT FUND LTD."). Here you view every yield position you hold, by product — principal, accrued yield, APY, start date, maturity date, and status — and **redeem** any position that's eligible. Come here to check what you've subscribed to, how much you've earned, when a position matures, or to take your money out. The **Treasury** module also has a **Products** page (subscribe to new products) and an **Orders** page (subscription/redemption history).

> Treasury products are issued and operated by UQ QUBIT FUND LTD, a separate legal entity from UQPAY Singapore. Funds are held by UQ QUBIT FUND LTD; the Singapore entity does not act as the product issuer or counterparty.
>
> **Treasury** only appears in the left nav once your account has yield products enabled — contact your account manager if you don't see it.

## Steps

Open the holdings list:

1. In the left nav, click **Treasury**, then **Holdings**.
2. The list defaults to the **Active** view, showing all currently open positions.

Switch views and search (toolbar):

1. **View** dropdown: switch between **Active** and **Closed** — Active shows open positions, Closed shows historical positions that have finished redemption.
2. **Search**: filter the current view by product name or currency keyword (placeholder "Search by product or currency").
3. Active filters appear as tags under **Filtered by**; click the "x" on a tag to remove it, or click **Clear all** to clear everything.

Start a redemption (only in the **Active** view, and only if you have treasury operation permission — the redeem button shows at the end of the row):

1. Click **Redeem** or **Redeem early** at the end of the target position's row.
2. In the dialog:
   * **Flexible position**: enter an amount in **Redemption amount**, up to the position's principal.
   * **Fixed-term position (including matured)**: the amount is locked to the full principal, redeemed in one go.
   * **Fixed-term, not yet matured, early redemption**: the dialog warns that a penalty will be charged on accrued yield and the full principal will be returned; **Settlement summary** shows the early redemption penalty and estimated return amount.
3. Check the box accepting the **Redemption Notice** issued by UQ QUBIT FUND LTD, the holder of this position.
4. Click **Confirm redemption** to submit; after a successful submission, click **View order** to track progress on the **Orders** page.

## Fields and statuses

**List columns:**

| Column           | Meaning (merchant view)                                        | Notes                                                          |
| ---------------- | -------------------------------------------------------------- | -------------------------------------------------------------- |
| Product          | Yield product name, with term and APY shown below              | Term shows as "Flexible" or "N days"; APY shows as `X.XX% APY` |
| Principal        | The principal invested in this position, with currency         |                                                                |
| Accrued yield    | Yield accrued so far on this position, shown in green with "+" |                                                                |
| Started          | The date this position started                                 |                                                                |
| Maturity         | The position's maturity date; flexible positions show "—"      |                                                                |
| Status           | The position's current status, see below                       | Shown as a colored badge                                       |
| (Actions column) | Shows Redeem / Redeem early in the Active view                 | See Steps above                                                |

**Position status:**

| Status    | Meaning                                                           |
| --------- | ----------------------------------------------------------------- |
| Active    | Position is open and accruing yield                               |
| Matured   | Fixed-term position has matured and can be redeemed/settled       |
| Redeeming | Redemption started, settlement in progress                        |
| Closed    | Position has been redeemed and settled (shown in the Closed view) |

> The **View** dropdown's Active/Closed options are **view groupings**: the Active view covers positions in the Active, Matured, and Redeeming statuses; the Closed view only covers Closed positions.

**Summary bar (English labels as shown):**

| Label            | Meaning (merchant view)                         |
| ---------------- | ----------------------------------------------- |
| Active positions | Number of open positions (Active + Matured)     |
| Total principal  | Total principal across open positions (USD)     |
| Accrued yield    | Total accrued yield across open positions (USD) |
| Closed           | Number of closed positions                      |

**Redemption dialog fields:** Redemption amount, Settlement summary (early redemption penalty, estimated return amount), a checkbox for the Redemption Notice, Confirm redemption. For early redemption there's also a warning: "This holding has not yet matured. Early redemption applies a penalty on accrued yield. The principal is returned in full."

## Edge cases and troubleshooting

* **List shows "No active holdings."**: there are no positions in the current view. In the Active view, this means you have nothing subscribed — go to the **Products** page to subscribe. In the Closed view, it shows "No closed holdings yet."
* **Search returns nothing**: your product name / currency keyword doesn't match anything — click **Clear all** to clear the search and look again.
* **No redeem button showing**: the redeem button only shows in the Active view, and only if your account has treasury operation permission — contact your account manager if you're missing permission. Positions in Redeeming or Closed status never show a redeem button.
* **Fixed-term position can't be redeemed early**: only fixed-term products that support early redemption show a **Redeem early** button; products that don't support it must wait until maturity.
* **Early redemption charges a penalty**: redeeming a fixed-term position before maturity charges a penalty (in bps) on accrued yield, with the full principal returned; you can see the exact penalty and estimated return amount in the dialog's **Settlement summary** before confirming.
* **When does the money arrive after redemption**: once submitted, the position moves to Redeeming; UQ QUBIT FUND LTD returns the funds to your wallet after completing settlement. Exact timing depends on settlement progress — track it on the **Orders** page.

## Common questions (Q\&A)

* **Q: Where do I see what I've subscribed to / my holdings?** A: Left nav **Treasury** → **Holdings** page, listing every position you hold by product, with principal, accrued yield, APY, start/maturity dates, and status.
* **Q: How do I see how much yield I've earned?** A: Each row's **Accrued yield** column shows that position's accumulated yield; the **Accrued yield** summary bar at the top totals it across open positions.
* **Q: What are the position statuses?** A: Active (open, accruing yield), Matured (fixed-term, past maturity, ready to redeem), Redeeming (redemption started, settling), Closed (redemption complete).
* **Q: What's the difference between "Active" and "Closed"?** A: These are the two options in the list's **View** dropdown — Active shows open positions (including Active/Matured/Redeeming), Closed shows historical positions that finished redemption.
* **Q: How do I redeem / take my money out?** A: In the Active view, click **Redeem** or **Redeem early** at the end of the target position's row, enter the amount in the dialog, accept the Redemption Notice, then click **Confirm redemption**.
* **Q: What's the difference between redeeming flexible and fixed-term positions?** A: Flexible lets you enter any redemption amount up to the principal; fixed-term (including matured) redeems the full principal in one go; a fixed-term position not yet matured needs **Redeem early** and may incur a penalty.
* **Q: Does early redemption cost anything?** A: Redeeming a fixed-term position before maturity charges a penalty on accrued yield, with the full principal returned; the dialog's **Settlement summary** shows the exact penalty and estimated return amount before you confirm.
* **Q: Why don't some positions have a redeem button?** A: The redeem button only shows in the Active view when your account has treasury operation permission; Redeeming and Closed positions never show one; fixed-term products that don't support early redemption also hide it before maturity.
* **Q: How long after redeeming does the money arrive?** A: After submitting, the position becomes Redeeming; UQ QUBIT FUND LTD returns the funds to your wallet once settlement completes — track progress on the **Orders** page; exact timing depends on settlement.
* **Q: What does a "—" in the Maturity column mean?** A: The position is a flexible product with no fixed maturity date and can be redeemed at any time.
* **Q: What does "APY" mean next to the yield rate?** A: The product's annual percentage yield, shown under the product name as `X.XX% APY`.
* **Q: Why can't I find Treasury / Holdings in the left nav?** A: **Treasury** only appears once your account has yield products enabled — contact your account manager to get it turned on.