> ## 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.

# Managing Your Margin

> How margin and deposits work on UQPAY, including top-up procedures and permission management.

## What is margin?

When booking a conversion, UQPAY holds collateral on your account to reduce risk. Two types are accepted:

* **Margin**: An amount held for any conversions you want to book
* **Deposits**: Linked to specific conversions, deducted at booking with the remaining balance debited on settlement

## How do I top up my margin?

**Via Virtual Account:**

1. Log into the platform and locate the currency balance to top up
2. Enter the amount and click the margin top-up button (ensure sufficient funds are available)

**Via API:**

Authenticate and use the margin top-up endpoint to process the transaction.

## What happens with other pending transactions?

Margin top-ups take priority over all other transactions on your account. If you have a pending margin top-up, it processes first once funds become available.

## Protecting margin funds

To prevent margin funds from being used for other conversions, payments, or transfers, create a margin top-up transaction before funding your balance.

## Permission management

The permission on who can top up their margin balance is managed by UQPAY.