My Scheming 2% Tranexamic Acid + Ferulic Acid Serum

My Scheming 2% Tranexamic Acid + Ferulic Acid Serum

This brightening serum is formulated around Tranexamic Acid and Ferulic Acid to fade the look of dark spots and brighten dull-looking skin.

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What's inside

Key Ingredients

Benefits

Concerns

Ingredients Explained

Skin Conditioning, Solvent

Water. It's the most common cosmetic ingredient of all. You'll usually see it at the top of ingredient lists, meaning that it makes up the largest part of the product.

So why is it so popular? Water most often acts as a solvent - this means that it helps dissolve other ingredients into the formulation.

You'll also recognize water as that liquid we all need to stay alive. If you see this, drink a glass of water. Remember to stay hydrated!

Learn more about Water
Humectant, Solvent

Isopentyldiol is a synthetic solvent, humectant, and emollient.

Humectants have the ability to attract and hold water while emollients create a thin film to prevent water from evaporating. This combination keeps your skin and hair soft and hydrated. Plus, isopentyldiol does not leave a sticky feeling behind.

As a surfactant, isopentyldiol is a hydrotrope. Hydrotropes help surfactants (cleansing agents) dissolve into water.

According to the manufacturer, using this ingredient with sorbitol boosts skin hydration and helps close cuticles of damaged hair.

This ingredient is water-soluble.

Learn more about Isopentyldiol
Astringent, Skin Conditioning

Tranexamic Acid (TXA) is a synthetic lysine derivative that is becoming one of the most exciting brightening ingredients in skincare.

Originally used in medicine as an anti-hemorrhagic agent, its skin brightening potential was discovered by accident; patients taking it orally started noticing their melasma was fading.

Unlike most brighteners that target tyrosinase (the enzyme that synthesizes melanin), TXA works further upstream. It basically blocks your cells from receiving the signal to produce pigment.

This makes it one of the rare actives that works on three pathways at once:

This makes it effective for treating melasma, post-inflammatory hyperpigmentation (PIH), and sun-induced dark spots.

The most effective cosmetic concentration sits between 2-5% and going higher doesn't boost results.

Side effects are generally mild; occasional irritation, flaking, or dryness have been reported at the start of use. Overall, this ingredient is pretty well tolerated, even by sensitive skin types.

Another perk of this ingredient is that it does not cause photosensitivity, so it's safe to use in the AM and PM.

Learn more about Tranexamic Acid
Humectant, Masking, Moisturising

Mannitol is a sugar alcohol. It is a humectant and moisturizes the skin. In vitro (not tested on a living organism), mannitol displays antioxidant properties.

When found in aqueous solutions, mannitol tends to become acidic. This is because it loses a hydrogen ion. This is why mannitol can often be found with pH adjusting ingredients, such as sodium bicarbonate.

Fun fact: Mannitol can be found in foods as a sweetener. It can be naturally found in mushrooms, algae, fruits, and veggies.

Learn more about Mannitol
Skin Conditioning, Solvent

1,2-Hexanediol is a synthetic liquid and another multi-functional powerhouse. 

It is a:

  • Humectant, drawing moisture into the skin
  • Emollient, helping to soften skin
  • Solvent, dispersing and stabilizing formulas
  • Preservative booster, enhancing the antimicrobial activity of other preservatives 
Antioxidant

Hydroxyacetophenone is a small phenolic molecule that earns its place in a formulas as an antioxidant and preservative booster.

As a phenol, it is able to neutralize free radicals to protect both the product and the skin from oxidative stress.

Though it can't kill microbes on its own, it works as a good supporting agent when combined with other preservatives like Phenoxyethanol or 1,2-Hexanediol.

This ingredient naturally occurs as piceol in Norwegian spruce needles (~0.4-1.1% dry weight and in cloudberries). Though the cosmetic-grade material is synthesized for purity and consistency.

You'll usually see it used at low levels and suppliers recommend up to 1% added to a water phase.

Safety testing was done at concentrations like 0.05% in SPF products and 0.5% in a Human Repeated Insult Patch Test. The safety evidence is assuring; this ingredient is safe for cosmetics in current use and also holds safety status as a food flavoring as well.

An honest caveat: the "soothing" and "anti-inflammatory" claims come mostly from supplier marketing rather than published clinical trials. The Cosmetic Ingredient Review's own literature search found no useful efficacy studies on this ingredient.

So the antioxidant and preservative-boosting roles are the well supported ones while the calming benefit is plausible but thinly evidenced.

Overall, this is a well-tolerated, low-irritation multitasker that quietly helps a formula stay fresh and stable.

Learn more about Hydroxyacetophenone
Buffering, Masking

Sodium Citrate is the sodium salts of citric acid. In skincare, it is used to alter pH levels and acts as a preservative.

Its main functions are to maintain the pH of a product and neutralize metal ions.

The acidity of our skin is maintained by our glands and skin biome; normal pH level of skin is slightly acidic (~4.75-5.5).

Being slightly acidic allows our skin to create an "acid mantle". This acid mantle is a thin barrier that protects our skin from bacteria and contaminants.

Learn more about Sodium Citrate

This ingredient is a water-soluble emollient and is derived from glycerin. It also has surfactant properties and can help dissolve oils or actives in water-based products.

According to the manufacturer, this ingredient:

  • Moisturizes without stickiness or greasiness.
  • Improves the penetration of water-based ingredients while reducing penetration of oil-based ones to help balance delivery in formulations
Preservative

Phenoxyethanol is one of the most widely used preservatives in skincare (and for good reason!).

It has a large spectrum of antimicrobial activity and especially effective bacteria, yeast, and mold while only having a weak effect on your skin's natural microbiome.

On a cellular level, it disrupts the cell membranes of microbes by poking holes that make the cell leak. This shuts down the chemical reactions the microbe needs to make energy so it can no longer survive.

Another perk of this ingredient is that it stays functional across a wide pH range (3-10).

You'll often see it paired with boosters like Ethylhexylglycerin; one study showed that a 1:9 ratio of Ethylhexylglycerin to Phenoxyethanol damages bacterial membranes as effectively as doubling the Phenoxyethanol concentration on its own.

Typical use concentrations range from 0.3-1% depending on the formula, and this ingredient is capped at 1% int the EU.

Safety-wise, the fear mongering does not hold up to the evidence. The EU's Scientific Committee on Consumer Safety and FDA consider it safe as a preservative at up to 1%, including for children of all ages.

Adverse systemic effects only showed up in animal studies at exposures roughly 200x higher than what people get from cosmetics. And despite its very widespread use, this ingredient is a rare sensitizer and allergic reactions are uncommon.

Learn more about Phenoxyethanol
Buffering, Masking

Citric Acid is an alpha hydroxy acid (AHA) naturally found in citrus fruits like oranges, lemons, and limes.

Like other AHAs, citric acid can exfoliate skin by breaking down the bonds that hold dead skin cells together. This helps reveal smoother and brighter skin underneath.

However, this exfoliating effect only happens at high concentrations (20%) which can be hard to find in cosmetic products.

Due to this, citric acid is usually included in small amounts as a pH adjuster. This helps keep products slightly more acidic and compatible with skin's natural pH.

In skincare formulas, citric acid can:

While it can provide some skin benefits, research shows lactic acid and glycolic acid are generally more effective and less irritating exfoliants.

Most citric acid used in skincare today is made by fermenting sugars (usually from molasses). This synthetic version is identical to the natural citrus form but easier to stabilize and use in formulations.

Read more about some other popular AHA's here:

Learn more about Citric Acid
Emulsifying, Emulsion Stabilising, Gel Forming

Xanthan gum is used as a stabilizer and thickener within cosmetic products. It helps give products a sticky, thick feeling - preventing them from being too runny.

On the technical side of things, xanthan gum is a polysaccharide - a combination consisting of multiple sugar molecules bonded together.

Xanthan gum is a pretty common and great ingredient. It is a natural, non-toxic, non-irritating ingredient that is also commonly used in food products.

Learn more about Xanthan Gum
Emulsion Stabilising, Stabilising

Hydroxyethylcellulose is used to improve the texture of products. It is created from a chemical reaction involving ethylene oxide and alkali-cellulose. Cellulose is a sugar found in plant cell walls and help give plants structure.

This ingredient helps stabilize products by preventing ingredients from separating. It can also help thicken the texture of a product.

This ingredient can also be found in pill medicines to help our bodies digest other ingredients.

Learn more about Hydroxyethylcellulose
Humectant, Skin Conditioning

Sodium Hyaluronate is the salt form of hyaluronic acid. It is a long sugar chain that is naturally found in your skin, joints, and connective tissue that maintains hydration and elasticity.

In skincare, it works as a humectant. It pulls water from the environment and deeper layers of skin and binds it to the surface.

Interestingly, the size of the molecule affects its behavior:

Some clinical evidence links low molecular weight versions to improved wrinkle depth, elasticity, anti-inflammatory effects, and barrier repair.

Many serums use a blend of both weights so you can get surface hydration plus longer-lasting and deeper effects.

You'll typically see concentrations between 0.1-2% for this ingredient.

Learn more about Sodium Hyaluronate
Humectant, Skin Conditioning, Skin Protecting

Glycerin (or glycerol) is a compound naturally found in your skin. It's a powerhouse humectant that pulls water into the stratum corneum.

Topically, glycerin does several things at once:

Your skin makes glycerin on its own (mostly from sebaceous oil breakdown) and shuttles it to your outermost layer of skin, or your epidermis, via aquaporin-3.

Aquaporin-3 is a transporter that is essential for normal skin hydration, elasticity, and repair. Interestingly, mice lacking in AQP3 have dry and less elastic skin that can be fully corrected with glycerin.

This ingredient is non-irritating, plays well with almost every ingredient, and works across all skin types. Typical use is anywhere between 3-10% but can go up to 79% in some leave-on products.

Just know very high concentrations (>40%) can feel tacky in low humidity.

Glycerin is the name for this ingredient in American English. British English uses Glycerol/Glycerine.

Learn more about Glycerin
Emulsifying, Surfactant

PEG-40 Hydrogenated Castor Oil is an emulsifier derived from castor oil.

As an emulsifying agent, it helps other ingredients like fragrances and fat-soluble vitamins dissolve cohesively.

Due to its large molecule size, it doesn't penetrate beyond the skin's surface.

This ingredient has a solid regulatory track record; the CIR Expert Panel first concluded it was safe for use in cosmetics at concentrations up to 100% in 1997. A 2012 reassessment reaffirmed that finding. Safety studies have also found no irritation or evidence of toxicity.

A 2019 study did find this ingredient to grow Malassezia, so this ingredient may not be fungal acne safe.

Learn more about PEG-40 Hydrogenated Castor Oil
Skin Conditioning

This is the synthetic salt of gluconic acid, a form of PHA and mild exfoliant.

It is mainly used to stabilize oil and butter formulations from going bad. Sodium gluconate is a humectant, pH regulator, and chelating agent.

Chelating agents help neutralize unwanted metals from affecting the formulation.

Sodium gluconate is water-soluble.

Learn more about Sodium Gluconate
Emulsifying

We don't have a description for Sorbitan Caprylate yet.

We don't have a description for Tropaeolum Majus Flower/Leaf/Stem Extract yet.

Terminalia Ferdinandiana Fruit Extract is from the Kakadu plum. The Kakadu plum is native to northern Australia. The Kakadu plum holds the record for having the highest amount of natural vitamin C.

This ingredient is an antioxidant. Antioxidants help fight free-radical molecules. Free-radical molecules are capable of damaging our cells and other genetic material. Antioxidants help stabilize free-radicals and thus may reduce the signs of aging.

The high vitamin C content of Kakadu plum also helps lighten skin. Vitamin C has been shown to block the process of skin darkening that leads to hyperpigmentation.

Kakadu plums have been used by indigenous cultures as medicine to help treat colds and as an antiseptic.

Learn more about Terminalia Ferdinandiana Fruit Extract
Absorbent

Dextrin is a starch-derived polysaccharide. It's made by partially breaking down corn, potato, or other plant starches.

Think of it as "half-processed" starch; it's less complex than the original but not fully broken down into sugar like maltodextrin.

In cosmetics, it mainly functions as a bulking agent, viscosity controller, binder, and absorbent. It helps thicken products, stabilize powders, and get certain textures a less "wet" feel.

This ingredient has a pretty solid safety profile; it's recognized as a safe food additive and its large molecular size means it doesn't meaningfully penetrate skin.

Human repeat insult patch tests using a rinse-off facial product containing 42.69% dextrin found no skin irritation or sensitization in 54 subjects.

Typical real-world usage is much lower: usually under 1% as a texture modifier and up to 40% in masks (rinse off products use less).

Learn more about Dextrin
Antimicrobial, Antioxidant

Ferulic Acid is a plant based antioxidant that can be naturally found in the cell walls of grains like rice, oats, and corn. It has antioxidant and antimicrobial properties, and has the ability to boost the performance of other antioxidants as well.

A well-known study found that adding Ferulic Acid to a solution of Vitamins C and E doubled the photoprotection of skin. This is why you'll often see it paired with Vitamin C or Vitamin E serums rather than sold on its own.

A 2025 review of 18 human studies found that using Ferulic Acid (0.5-1%) daily for one to three months showed improvements in:

As far as allergies go, Ferulic acid is generally well-tolerated but can cause an allergic reaction in very rare cases. It's also worth noting that Ferulic acid is often extracted from plant sources like rice bran or wheat bran, so be sure to path test if you have known grain allergies.

Outside of skincare, researchers are also looking into Ferulic Acid for its potential benefits in areas like diabetes, Alzheimer's, and heart health.

Learn more about Ferulic Acid
Skin Conditioning

We don't have a description for Waltheria Indica Leaf Extract yet.

Buffering, Masking

Disodium Phosphate is a water-soluble powder used as a pH adjuster and mild chelating agent. It basically holds a specific pH and binds stray metal ions so your product stays stable.

This ingredient is usually used at very low levels and concentrations range from 0.000054% - 2.9%. The CIR Expert Panel states this ingredient to be non-irritating at current use levels.

Skin Conditioning

Ethylhexylglycerin is created from glycerin. It is a multitasker ingredient that:

The CIR Expert Panel found minimal skin absorption or sensitization of any kind in a safety assessment. Though this ingredient is considered well-tolerated, a small number of cases of allergic dermatitis have been published since 2002. Just be sure to patch test if you are unsure.

Industry-reported use ranges from 8% in rinse-off products and 2% in leave-on formulations.

Learn more about Ethylhexylglycerin
Emulsifying, Surfactant

Polysorbate 60 is used to help stabilize products. It is a surfactant and emulsifier. These properties help keep ingredients together in a product. Surfactants help reduce surface tension between ingredients with different states, such as liquids and solids. Emulsifiers help prevent oils and waters from separating.

Polysorbate 60 is sorbitol-based and created from the ethoxylation of sorbitan. Ethoxylation is a chemical reaction used to add ethylene oxide. Sorbitan is a the dehydrated version of sorbitol, a sugar found in fruits.

In this case, the 60 comes from reacting 60 units of ethylene oxide with sorbitan.

Polysorbates are commonly used in medicine and foods.

Learn more about Polysorbate 60
Buffering

Sodium Phosphate is is behind-the-scenes formulation helper. Its main job is buffering, or locking in the product's pH.

This helps ensure the formula stays at its intended acidity through manufacturing, shipping, and sitting on your shelf. Many active ingredients like vitamin C or retinoids are pH sensitive so maintaining their happy pH range matters.

It is synthetic and reported use concentrations are very low (up to 0.086% in face powders).

Learn more about Sodium Phosphate

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Where it's from

My Scheming is a Taiwanese brand

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· Updated February 27, 2025 Added by mundana