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UMB has not provided any evidence of being regulated, which raises questions about its legitimacy. The lack of regulatory oversight means there is no third-party verification of the bank’s practices, which could be a red flag for potential traders. While the bank does offer a variety of services, its unregulated status makes it difficult to assess the safety of your funds. In my opinion, it is safer to work with a regulated institution that is subject to external audits and consumer protection regulations. If you’re still considering UMB, you may want to read UMB reviews from other users to gather more perspectives on its legitimacy and overall performance.