Moomoo’s Engine Bundles 21 Retail Trading Tools for $3.99 a Month

Moomoo on Thursday rolled out a paid subscription that bundles 21 retail-trading tools across three connected engines into one $3.99-a-month plan, the first time the Futu Holdings-owned platform has wrapped its research, options and technical stack behind a single paywall. The new product, called Moomoo Engine, groups everything from AI-generated earnings briefings and gamma exposure tracking to real-time Level 3 order depth inside the same app.

The monthly fee drops to $0.99 for accounts that hold $1,000 or more at billing. V1-V3 members on the books before 12 a.m. ET on July 2 are auto-upgraded at no extra cost, provided they keep a balance of $100 or more.

What the Moomoo Engine Actually Bundles

Moomoo Engine is built around three engines, each organized around a stage of the trading process: research, structure, and execution. The framework ships them as Fundamental Engine, Options Engine, and Technical Engine. Each engine is meant to operate independently, but the subscription routes users through research, options, and technical work in a single interface.

The Fundamental Engine carries seven research tools: an AI-generated briefing, an Earnings Hub, Wall Street consensus forecasts, institutional research, multi-method valuation models, segmented revenue analytics, and a Smart Money Tracker that follows institutional ownership. The Options Engine adds seven more, with a Level 2 options data feed, a Strategy Lab, a P&L Simulator, gamma exposure tracking, unusual activity alerts, an options screener, and an Algo Trading Studio for no-code automation. The Technical Engine rounds out the suite with seven execution tools: real-time Level 3 order depth, volume profile analysis, an indicators backtester, custom alerts, an instant order ladder, pro chart trading, and advanced order types. Together they add up to 21 tools that the company positions as professional-grade for retail traders, all stitched into the three-engine breakdown and pricing rules in Moomoo’s newsroom materials.

The unification pitch addresses three specific failures, framed in Moomoo’s newsroom materials as Discoverability, Connection, and Coherence. Discoverability is the problem of investors not knowing the tools exist inside the app. Connection is the problem of those tools not linking into a single workflow. Coherence is the problem of the platform’s full depth staying hidden without a unifying frame. Each maps onto a real complaint in retail apps with layered feature sets. The Engine is the wrapper Moomoo is putting around tools it already had scattered across premium tiers.

How Moomoo Engine Is Priced

The Moomoo Engine carries a $3.99 per month list price that drops to $0.99 per month for accounts holding $1,000 or more at billing. The annual option is $39.90, with the subscription on auto-renew. The discounted rate applies automatically when the account clears the asset threshold at billing. This structure pushes the higher list price onto retail signups below $1,000 in funded assets.

V1-V3 members already in the system before 12 a.m. ET on July 2 are auto-upgraded to the engine at no cost. They keep that access only if their brokerage balance stays at $100 or more, a condition Moomoo confirmed in a client note that followed the announcement. If the balance slips below $100 at billing time, those users fall back to the standard rate.

The Stack Moomoo Built in the Last Six Months

The Engine pulls together a stack that wasn’t there a year ago. Between April and the July announcement, Moomoo pushed out four major platform moves worth tracking alongside the subscription.

Moomoo API Skills launched in Singapore on April 14, 2026, framed as the company’s move into agentic investing, letting users wire their own AI agents to live market data and trade execution. The product is positioned as an SDK layer for anyone who wants to bring their own language-model workflow into brokerage functions. Engine membership now gates some of those API Skills features, with the newsroom materials noting that featured tools are Engine members only. That overlap blurs the line between who pays for the engine and who builds with the SDK.

The Kalshi partnership, announced in early June 2026, brought regulated event contracts onto the platform alongside equities, options, and ETFs. Eligible users can now take positions on Federal Reserve decisions, inflation prints, elections, and the 2026 World Cup, with contract prices ranging from $0.01 to $1.00 to reflect implied probabilities. The contracts run through Moomoo Financial Inc. as a CFTC-registered FCM, with restrictions that block certain markets from select U.S. states, per Kalshi prediction markets integration details on Moomoo’s site.

Direct Crypto Deposit and Withdraw, the third major addition, lets users transfer cryptocurrencies between moomoo accounts and external Web3 wallets without leaving the app. The crypto routes run through Moomoo Crypto Inc., a money services business registered with FinCEN, and service availability varies by jurisdiction. Bundled together, the four moves amount to a deliberate year-long bid to pull retail traders out of stitching together separate apps. The Engine is the moment that bet becomes a single subscription. What unifies the 21 tools isn’t depth but access: pay one bill, the bundled features open up.

Who Pays Less, Who Pays More, Who’s Locked Out

The Engine is the new gating layer on the platform. Tools that sit inside the Fundamental, Options, and Technical engines are reserved for paying members, with the moomoo newsroom materials warning that featured tools are Engine members only. The implication is direct: any trader who wants gamma exposure, valuation models, or real-time Level 3 depth now pays for a subscription on top of a brokerage account.

That pricing structure rewards traders with funded accounts and effectively locks asset-light users into the $3.99 list rate. The grandfather clause opens the same toolkit to any V1-V3 member on file before the cutoff, but only while the account stays above $100. Below that line, those users fall back to the standard rate, paying the same as a fresh signup. The split puts a $1,001 account on the discounted rate and a $999 account on the higher rate for the same toolkit. Geo restrictions add a second wall: certain prediction-market contracts are unavailable in select U.S. states, and options trading carries its own disclosure and approval gates before access opens up. The math is squarely tilted toward traders clearing the $1,000 asset minimum, with everyone below it carrying the headline rate.

The Engine is built for an active retail trader who already had options orders and gamma charts on a watchlist. That trader will recognize themselves in this shortlist of who pays what:

• New signups with assets under $1,000: $3.99 a month (or $39.90 a year, auto-renews)
• New signups with $1,000+ assets at billing: $0.99 a month
• V1-V3 members on file before 12 a.m. ET on July 2 with at least $100 in their account: free, while the balance holds

What the Engine Doesn’t Solve Yet

With Moomoo Engine, we’re bringing professional-grade research, options analysis, and technical trading tools together into a single experience that helps investors turn insights into action more efficiently.

That’s Neil McDonald, CEO of moomoo U.S., speaking in the launch materials. The Engine addresses fragmentation inside Moomoo, not fragmentation across the wider retail-broker stack, according to the exclusive price-and-features breakdown that previewed the rollout. Investors who also want a Bloomberg terminal, an alternative data feed, or a separate options analytics product still pay for those on top, since the Engine only consolidates its own app.

Moomoo has telegraphed that more is coming, with the newsroom materials saying the company will keep expanding the platform with new engines and capabilities over time. The current three engines are positioned as a starting roster, leaving the exact pipeline for Moomoo to confirm later.

Where Moomoo Goes From Here

The wager here is layered. The subscription has to convert freemium users into recurring revenue. It has to hold $1,000-balance traders against churn, since competitor brokers with no subscription tier would still look attractive to that crowd. It has to keep adding engine names that justify renewal at the same time. None of those three forces is guaranteed.

Futu Holdings, the Nasdaq-listed parent, has been reshaping its footprint in 2026, with senior staff leaving the brokerage for adjacent employers as Chinese regulators tighten their grip on cross-border activity. The Engine lands inside that pressure, and where Futu brokerage talent is heading offers a parallel read on the parent company’s business mix. The subscription is a move to make the U.S. arm more revenue-independent even as the parent company’s broader business is being reviewed. The next quarter of engine additions will say how serious Moomoo is about treating the Engine as a long product roadmap rather than a one-line pricing reset.

The first month will say whether traders cross the $1,000 line to chase the $0.99 rate, or stay below it and pay nearly four times as much. The second benchmark is whether the Engine bundle actually pulls users off adjacent platforms with comparable tool lists at higher sticker prices. Moomoo’s parent company is trusted by more than 30 million investors worldwide, per the Engine newsroom materials, and it now has the consumer base to test the subscription thesis against.

• 21 tools across three engines in Moomoo Engine
• $3.99 per month standard subscription price
• $0.99 per month discounted rate (requires $1,000+ assets at billing)
• 30 million+ users worldwide across Moomoo and parent Futu Holdings
• $39.90 per year annual subscription alternative

Frequently Asked Questions

What is the Moomoo Engine?

The Moomoo Engine is a subscription product from Moomoo that bundles 21 retail-trading tools across three engines (Fundamental, Options, and Technical) into one $3.99-a-month plan, with the rate dropping to $0.99 a month for accounts that hold $1,000 or more at the time of billing. It is the first time the Futu Holdings-owned platform has wrapped its research, options, and technical stack behind a single paywall.

How much does the Moomoo Engine cost per month?

The standard Moomoo Engine price is $3.99 a month, or $39.90 a year, billed on auto-renew through Moomoo Financial Inc. The fee drops to $0.99 a month for accounts holding $1,000 or more when billing runs. Rates and features are subject to change per the subscription terms posted on Moomoo’s newsroom.

Who is eligible for the discounted $0.99 rate?

Two groups qualify: any Moomoo user whose brokerage balance is at least $1,000 at the time of billing pays $0.99 a month, and V1-V3 members enrolled before 12 a.m. ET on July 2, 2026, who keep their accounts at $100 or more to maintain free access. Below those thresholds, the fee reverts to the $3.99 monthly rate.

How many tools are included in Moomoo Engine?

The Moomoo Engine ships with 21 tools spread across the three engines, seven per engine. The roster ranges from AI-generated earnings briefings, Wall Street consensus forecasts, and a Smart Money Tracker at the research layer to Level 2 options data, gamma exposure, and an Algo Trading Studio at the options layer, then real-time Level 3 order depth, volume profile, and an indicators backtester at the execution layer.

Who owns the Moomoo trading platform?

Moomoo is owned by Futu Holdings Limited, listed on Nasdaq under the symbol FUTU. The platform operates as Moomoo Financial Inc. for brokerage and futures commission merchant activity, Moomoo Crypto Inc. for crypto transfers, and Moomoo Technologies Inc. for the consumer app. As of mid-2026, the parent company reported serving more than 30 million investors worldwide across all units.

Is the Moomoo Engine available outside the United States?

The Engine’s specific pricing, auto-renew terms, and grandfathering rules apply to U.S. account holders at Moomoo Financial Inc., with dollar pricing and U.S.-state restrictions on certain prediction-market event contracts. Moomoo also runs in Singapore, Australia, Japan, Canada, Malaysia, and New Zealand through separate local units, where the local unit’s terms govern access to the platform’s tooling.