> ## 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.

# Overview (Treasury)

> The merchant dashboard Treasury overview page — see total assets, lifetime earnings, and positions maturing soon at a glance, browse the Market for live yield products, preview your holdings, and subscribe or jump into Products / Holdings / Orders. Yield products are issued and operated by UQ QUBIT FUND LTD.

## What this is

This is the overview page of the merchant dashboard's **Treasury** module (left nav click **Treasury** to land here; page title "Treasury", subtitle "Yield products provided by UQ QUBIT FUND LTD"). It brings together the things you need most from your treasury account on one screen: **Total assets / Lifetime earnings / Maturing soon** summary figures, the **Market** of yield products, a **holdings preview**, and entry points to **subscribe** and to jump into **Products / Holdings / Orders**. Start here to put idle stablecoins or crypto into a yield product, check how much you've earned, see what products are live, or manage an existing position.

The page header shows the issuer's compliance notice: "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."

The module also has **Products**, **Holdings**, and **Orders** pages — the full product list, all your positions (active/closed), and your subscription/redemption history, respectively. You can switch between them from the left nav under Treasury, or via the in-page Overview / Products / Holdings / Orders tabs.

> **Treasury** only appears in the left nav once your account has yield products enabled. If you don't see it, contact your account manager to get it turned on.

## Steps

Open this page: in the left nav, click **Treasury** — you land on the overview, with the in-page tab on **Overview**.

Check your summary figures (top-right of the page banner, three tiles):

1. **Total assets** — estimated value across all holdings (USD equivalent).
2. **Lifetime earnings** — cumulative yield earned to date.
3. **Maturing soon** — principal returning within 7 days.

Subscribe to a yield product:

1. In the **Market** section, browse product cards (live products sorted by APY, highest first), or click **View all products** at the top right for the full list.
2. Click **Subscribe** on the target product's card, then fill in the subscription amount and confirm the term and estimated yield in the dialog.
3. Check the boxes accepting the Master Services Agreement and the product's Term Sheet (fixed-term products also require the Redemption Notice), then click **Confirm subscription**. The order is queued and appears on the **Orders** page once confirmed by UQ QUBIT FUND LTD.

View your holdings:

1. The **Your holdings** section shows preview cards for your currently active positions (principal, accrued yield, term progress).
2. Click any holding card, or **Your holdings** at the top right, to open the **Holdings** page for the full list and to redeem.

## Fields and statuses

**Top summary tiles (page banner, right side):**

| Field             | Meaning (merchant view)                              |
| ----------------- | ---------------------------------------------------- |
| Total assets      | Estimated value across all holdings (USD equivalent) |
| Lifetime earnings | Cumulative yield earned to date                      |
| Maturing soon     | Principal returning within 7 days                    |

**Market section product cards:**

| Field / label | Meaning (merchant view)                                                                                     |
| ------------- | ----------------------------------------------------------------------------------------------------------- |
| APY           | The product's annual percentage yield                                                                       |
| Term          | Product term: **Flexible** (subscribe/redeem any time) or **N days** (fixed-term)                           |
| Locked        | This product does not support early redemption — settles only at maturity                                   |
| Min           | Minimum subscription amount and currency                                                                    |
| Subscribed    | Percentage of the product's capacity already subscribed (when capacity data is available)                   |
| Subscribe     | Button to place a subscription; shows **Sold out** or **Closed** (and is disabled) for those product states |

**Holdings preview cards (Your holdings section, active positions only):**

| Field / label                    | Meaning (merchant view)                                                |
| -------------------------------- | ---------------------------------------------------------------------- |
| Principal                        | The principal invested in this position, with currency                 |
| Accrued yield                    | Yield accrued so far on this position (shown in green with "+")        |
| N% of Nd                         | Fixed-term progress: percentage of the total term elapsed              |
| Nd left / Maturing               | Days remaining until maturity; shows "Maturing" on the maturity day    |
| Earning daily · withdraw anytime | Label for flexible positions: accrues yield daily, redeemable any time |

**Product term: Flexible** (subscribe/redeem any time) / **N days** (fixed-term, settles at maturity).
**Product status: Subscribe** (open for subscription) / **Sold out** / **Closed**.

## Edge cases and troubleshooting

* **No "Treasury" in the left nav**: your account doesn't have yield products enabled yet. Contact your account manager to get it turned on.
* **Holdings section shows "No active holdings yet — pick a product to start earning."**: you don't have any positions yet — click **Browse products** to pick one and subscribe.
* **Product list shows "No products match your filters."**: your current filters (asset class / currency / term) don't match anything — clear or loosen them and try again.
* **No "Subscribe" button on a product**: subscribing depends on your account's operation permission — the button may be hidden if you lack it. Contact your account manager to get it enabled.
* **Product button shows "Sold out" / "Closed" and can't be clicked**: this product isn't accepting subscriptions right now — check other live products or come back later.
* **Product card has a "Locked" tag**: this product doesn't support early redemption — funds must stay until maturity, so confirm your liquidity needs before subscribing.
* **English text on holding cards** (like "Earning daily · withdraw anytime", "Maturing", "Nd left"): these mean daily-accruing/redeemable-any-time for flexible positions, maturing today, and days remaining until maturity, respectively.

## Common questions (Q\&A)

* **Q: Where's Treasury / how do I get to it?** A: Click **Treasury** in the left nav to land on the overview, showing Total assets, the Market of live products, and your holdings on one screen. If you don't see the entry, it means your account isn't enabled — contact your account manager.
* **Q: Who provides these yield products / who holds my funds?** A: Treasury products are issued and operated by UQ QUBIT FUND LTD, which also holds the funds; UQPAY Singapore is a separate legal entity and does not act as the product issuer or counterparty.
* **Q: How do I subscribe to a yield product?** A: Pick a product in the **Market** section (or **View all products**), click **Subscribe**, fill in the amount, check the agreement boxes, and click **Confirm subscription**.
* **Q: What does APY mean?** A: The product's annual percentage yield, shown on every product card; the top banner also shows the current highest APY.
* **Q: What's the difference between flexible and fixed-term?** A: Flexible products can be subscribed/redeemed any time and accrue yield daily; fixed-term products run for "N days" and settle at maturity — some support early redemption (which may charge a penalty), and those marked "Locked" don't.
* **Q: What are "Total assets / Lifetime earnings / Maturing soon"?** A: Total assets = estimated value across all holdings (USD equivalent); Lifetime earnings = cumulative yield earned to date; Maturing soon = principal returning within 7 days.
* **Q: Can I still buy a product that shows "Sold out" / "Closed"?** A: No — both statuses mean the product isn't accepting subscriptions right now; check other live products or come back later.
* **Q: How do I see my holdings / redeem?** A: The **Your holdings** section on the overview previews your positions; click through, or click **Your holdings** at the top right, to open the **Holdings** page, where you can redeem (including early redemption).
* **Q: Where do I see my order after subscribing?** A: After submitting, the order is queued and appears on the **Orders** page once confirmed by UQ QUBIT FUND LTD, which logs every subscription and redemption.
* **Q: What do "Nd left" and "Maturing" mean on a holding card?** A: "Nd left" means N days remain until maturity; "Maturing" means it matures today; flexible positions instead show a daily-accrual, redeemable-any-time label.