Trading Account Auto Earn User Agreement

Published on 22 Jul 2025

Trading Account Auto Earn User Agreement

Last updated: 22 July 2025

1. Overview

1.1 The trading account auto earn service governed by this User Agreement (the “Service”) is provided to you (“you” or “Customer”) by the OKX entity applicable to you under the

(“OKX”, “we”, “us”), the full content of which is incorporated by reference herein. The Service is offered as a value-added service to OKX users so that they may earn Returns by auto-depositing their Digital Assets on the OKX Platform into an earn program.

1.2 This Trading Account Auto Earn User Agreement (this "Agreement" or these “Terms”) governs your use of this Service and related services entered into by and between you (the “User” or “you”) and OKX. It is legally binding upon you and OKX. By accessing the Service and other relevant services provided by OKX, you agree and confirm that you have carefully read and fully understand the terms and conditions under these Terms (including any amendments made by OKX at any time), especially the terms which exclude or limit liabilities of the Platform under these Terms, and the terms that exclude or limit rights of the Users. If you do not accept these Terms or the contents of these Terms, or refuse to acknowledge and agree with the Platform’s right to unilaterally modify these Terms at any time, you have no right to use the Service provided by the Platform under these Terms and shall immediately stop using and accessing the Platform. Unless otherwise provided in these Terms, the terms used in these Terms shall have the meaning provided in the

1.3 The Terms and any applicable User Agreements (including but not limited to the

) constitute the entire agreement and understanding regarding the use of any or all of the Service, and any manner of accessing them, between: You and OKX, depending on your location, nationality, services used, and your level of KYC and/or KYB completed.1.4 These Terms shall supplement our

. In the event of any conflict or inconsistency of any term or provision set forth in these Terms and our

, such conflict or inconsistency shall be resolved by giving precedence first to these Terms. All other provisions of our

not modified by these Terms shall remain in full force and effect. All capitalised not defined herein shall have meaning ascribed to it in the

2. Eligibility to Use the Service

2.1 You agree that OKX may hold your Digital Assets for the duration of the Service in order to fulfill its obligations under this Agreement.

2.2 You also understand and confirm that:

You have agreed to abide by the
OKX Terms of Service
and are eligible and permitted to use the Service specified therein. If you use the Service, this Agreement and the
Simple Earn User Agreement
(as and where relevant) are binding on you;
You have the experience and risk tolerance required to use the Service, and have the experience and knowledge necessary to invest in non-guaranteed digital asset products;
You have the ability to perform operations on the Internet;
This Agreement and your use of the Service does not conflict with the laws of your country or region, and you agree to comply with the laws of your country or region; and
You are the legal and beneficial owner of all the Digital Assets in your OKX account and that the sources of your Digital Assets and fiat currency are not from illegal activities.

2.3 You further agree that:

You will not use the Service in connection with any Prohibited Businesses (as defined in the
OKX Terms of Service
), including without limitation illegal purposes such as money laundering, terrorist financing, or fraud, or any other activities or any businesses prohibited by the law;
You will not use the Service in connection with any forms of price manipulation, insider dealing, market manipulation, market distortion or any other malicious wrongdoings to the market.

2.4 You understand and accept the risks that may arise to you and the related losses you may suffer from using the Service, as set out in the

. Those risks and losses include but are not limited to:

Any loss you may suffer from the risks associated with the inability to sell or convert Digital Assets deposited into the Service into a preferred alternative asset immediately or where conversion is possible but at a loss. You are willing to bear the risks and potential financial losses caused by depositing Digital Assets into the Service;
Historical Returns are not indicative of future Returns. The expected Returns displayed on the OKX Platform are theoretical estimates of Returns. They are not actual or guaranteed Returns promised by OKX. OKX does not guarantee or promise any Returns. Actual Returns may vary from the estimated or expected Returns. Returns shall be calculated and distributed by OKX in its sole discretion. OKX may deduct cost, fees, and expenses related to the operation of the Service from your actual Returns, to determine the final amount payable to you;
Price fluctuations of Digital Assets and their derivatives may cause significant or total loss in a short period of time;
The nature of Digital Assets means that technological difficulties experienced by OKX may prevent a User's access to, or use of, its Digital Assets;
Market risks may occur, which may result in losses of your digital assets;
OKX may have to add, remove, or change its terms or policies, including the terms of this Agreement, from time to time, while you are using the Service. Any such actions may benefit or harm users like you.

3. Using the Service

3.1 The Service allows you to opt-in to an auto earn program using assets in your trading account as further described below.

3.2 Upon opting-in, Eligible Funds (defined below) in users' trading accounts may be used to create Subscriptions in the Simple Earn Service (Flexible Term)(described here:

). Subscriptions in the Simple Earn Service will be created for a Flexible Term, at the minimum APR set by users upon opting-in, on the smallest amount of Eligible Funds deployed in the Simple Earn Service during the T hour (“Auto-Earn”).

3.3 By default, Auto-Earn is not enabled in users’ accounts. In order to enable Auto-Earn, a User must opt-in on the OKX Platform and choose a minimum APR for Auto-Earn. Upon opting-in, (i) Auto-Earn cannot be switched off until twenty-four hours have elapsed, and (ii) Eligible Funds (defined below) can continue to be used for trading but will not be able to be withdrawn and/or transferred out of the users' accounts until Auto-Earn is switched off.

3.4 "Eligible Funds" are Digital Assets in a User’s trading account which: (i) constitute the user's Digital Assets net Equity in a particular cryptocurrency (the calculation of which depends on your account mode, described further here:

); (ii) are supported by the Simple Earn Service (Flexible Term) and (iii) exceed the minimum amount for Auto-Earn eligibility and do not exceed the maximum Auto-Earn amount (both as displayed on the OKX Platform from time to time) ("Eligible Funds"). In the event that the amount of liquidity in the Simple Earn Service derived from Auto-Earn exceeds limits set by OKX at its sole discretion, Auto-Earn will not operate.

3.5 When attempting to match your Digital Assets with borrowing demand (as described in Section 4.4(b) of the Simple Earn User Agreement), Auto-Earn Subscription orders of different sub accounts will be prioritised from lowest in APR to highest in APR, then chronologically, then by amount from small to large.

3.6 Auto-Earn Subscriptions are created in real time upon a relevant Digital Asset meeting the above criteria.

3.7 Upon opting-out of Auto Earn, further Auto-Earn Subscriptions will no longer be created.

3.8 Redemptions of any Digital Assets already deposited into the Simple Earn Service through Auto-Earn must be carried out by opting-out of Auto-Earn. In the event that Digital Assets cease to be Eligible Funds, Redemptions are carried out automatically and no further Returns are earned from the time of Redemption.

3.9 Capitalised terms in this clause are as set out in this Agreement or the

4. Suspension / Cancellation / Termination

4.1 OKX may suspend, cancel or terminate the Service, or your use of the Service at any time at its sole discretion. The

set out the circumstances in which OKX may suspend, cancel or terminate the Service. Without prejudice to the generality of the foregoing, those circumstances may include situations where:

You do not provide additional information to verify your identity or source of funds as requested by OKX;
OKX is required to do so by court order, to comply with any Applicable Laws and Regulations;
OKX is required to do so to comply with any direction or instruction from a government body or agency;
OKX reasonably determines that any information you have provided to OKX is wrong, untruthful, outdated or incomplete; or
You do not provide additional information that we request to our reasonable satisfaction or in a timely manner.

5. Liabilities

5.1 The

set out situations in which you may incur losses or liabilities and OKX assumes no liability. Without prejudice to those terms, those situations include:

Inability to use the Service or make commands or perform trading operations due to failure, delay, interruption, lack of system response, delayed system response, lack or reduction of liquidity in the Service, or other abnormal circumstances;
Service suspension for maintenance;
Failure to transmit data;
Force majeure events or accidents, such as typhoon, earthquake, tsunami, flooding, plague, power outage, war, turmoil, government actions, terrorist attacks, pandemic, epidemic, or other such acts;
Service interruption or delay due to hacking, computer virus, technical adjustment or failure, website upgrade, banking issues, temporary closure due to government regulations or other such matters;
Losses due to technical problems that cannot be predicted or solved by existing technical forces;
Losses due to third parties;
Losses due to changes in any Applicable Laws and Regulations, or government, regulatory or law enforcement orders.

You agree and accept that the above or any other reasons may lead to abnormal transactions, abnormal market and price fluctuations, market interruptions and other possible abnormal circumstances.5.2 OKX reserves the right and sole discretion to refuse to execute or cancel your commands.5.3 You agree and accept that OKX shall not be liable for any losses caused by the risks described in this Agreement or the

(including but not limited to any direct or indirect losses, actual losses or possible loss of profits).

6. Technology disclaimers

6.1 OKX may, from time to time, suspend access to your OKX accounts, the OKX Platform, the Service and/or any other OKX services, for both scheduled and emergency maintenance. OKX will make reasonable efforts to ensure that transactions on the OKX Platform are processed in a timely manner, but OKX makes no representations or warranties regarding the amount of time needed to complete any such maintenance.

6.2 Although OKX makes reasonable efforts to update the information on the OKX Platform, OKX makes no representations, warranties, or guarantees, whether express or implied, that the content on the OKX Platform, including information in relation to the Services and any other OKX Services, is accurate, complete, or up to date.

6.3 You are responsible for obtaining the data network access necessary to use the Services or any other OKX Services. You are responsible for acquiring and updating compatible hardware or devices necessary to use the Service, any OKX Services, the OKX Platform, and any updates thereto. OKX does not guarantee that any of the OKX Services, or any portion thereof, will function on any particular hardware or devices. OKX Services may be subject to malfunctions and delays inherent in the use of the internet and electronic communications.

6.4 Despite our efforts to ensure the security of your data and transactions, the risk of unauthorized access, hacking, data loss, or other breaches cannot be completely eliminated. You acknowledge that you bear the risk of any unauthorized access to your account information and any loss of Digital Assets resulting from such security breaches.

6.5 The field of digital assets is rapidly evolving, and changes in technology may require adjustments to the Services or how you interact with the OKX Platform. OKX reserves the right to modify the technology used, the features provided, or the Service requirements based on technological advancements or regulatory changes without prior notice.

7. Mandatory Measures

7.1 You agree and accept that OKX strictly prohibits unfair trading practices. OKX reserves the right to exercise control over your account, restrict, suspend or shut down your account in its sole discretion if you engage in any of the following conduct:

Market manipulation, price manipulation, insider dealing, market distortion, or any other malicious wrongdoing or behaviour;
Participation in any activities that OKX regards as harmful to the market;
Violation of any Applicable Laws and Regulation.

7.2 In order to eliminate any adverse effects on the overall market, OKX reserves the right and sole discretion to suspend or terminate your account, use of the Service, or refuse to execute or cancel your commands. OKX shall not be liable for any losses (including but not limited to any direct or indirect losses, actual losses or losses of possible profits) incurred in connection with the above measures.

8. Indemnification

8.1 You shall take every possible measure to protect OKX from any damages arising out of your use of the Service or other actions related to your OKX account.

8.2 You agree to indemnify, hold harmless and promptly defend OKX and OKX’s affiliates and associates (including our and their respective agents (if any) and the shareholders, directors, officers and employees of OKX and OKX’s affiliates and associates) (each an “Indemnified Party”) from and against any and all losses arising from or in connection with any claims, losses, liabilities, damages, judgments, penalties, fines, costs and expenses of whatever kind (including professional fees and reasonable attorney’s fees) which may be suffered or incurred by any of the Indemnified Party arising out of or related to your use of the Service or other circumstances set out in the

9. Miscellaneous

9.1 The contents of this Agreement also include OKX's various system specifications, guidance notes, product documents, or other relevant documents that OKX may issue from time to time. Upon release, such content becomes an integral part of this Agreement, and you should also abide by it. In the event of any conflict between the above content and this Agreement, this Agreement shall prevail.

9.2 OKX reserves the right to unilaterally modify this Agreement or any terms applicable to the use of the Service in its sole discretion. Such modification could happen at any time without prior notice, including while you are using the Service. If any changes are made, the revised contents shall be posted on OKX's website promptly. Please check the latest information posted therein to inform yourself of any changes. Your continued use of or access to the Service following the posting of any changes constitutes acceptance of those changes. If you do not accept the revised content, you should stop using the Services.

9.3 You should carefully read this Agreement, and any document referred to in Sections 9.1 and 9.2 of this Agreement that constitute the contents of this Agreement, in conjunction with the

. In the event of any discrepancy between the English version of this Agreement and any translated version, the English version of this Agreement shall prevail.

9.4 If any provisions of this Agreement shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired in any way. However, if any provision of this Agreement shall be invalid, illegal or unenforceable under any such applicable law in any jurisdiction, it shall, as to such jurisdiction, be deemed modified to conform to the minimum requirements of such law, or if for any reason it is not deemed so modified, it shall be invalid, illegal or unenforceable only to the extent of such invalidity, illegality or limitation on enforceability without affecting the remaining provisions of this Agreement, or the validity, legality or enforceability of such provision in any other jurisdiction.

9.5 The failure or delay of OKX’s enforcement of any right or provision of this Agreement will not be deemed a waiver of such right or provision.

9.6 This Agreement, your use of the Services, any claim, counterclaim or dispute of any kind or nature whatsoever arising out of this Agreement, directly or indirectly, shall be governed by, and construed in accordance with the laws of England and Wales without regard to the principles of conflicts of laws thereof.

9.7 Dispute Resolution

a. You acknowledge and agree that in the event of any dispute, controversy, difference or claim, including the existence, validity, interpretation, performance, breach or termination of the Terms or any dispute arising out of or relating to the Terms (“Dispute”), the parties shall first refer the Dispute to mediation at the Hong Kong International Arbitration Centre (“HKIAC”) in accordance with HKIAC’s Mediation Rules in force at the time of the reference.

b. If the Dispute has not been settled by the signing of a settlement agreement within ninety (90) days following the filing of a request for mediation set forth in the above paragraph, such Dispute shall be referred to and finally resolved by arbitration administered by the HKIAC under the HKIAC Administered Arbitration Rules in force when the Notice of Arbitration is submitted. The law of this arbitration clause shall be the laws of the Hong Kong Special Administrative Region of People’s Republic of China (“Hong Kong”).

c. The seat of arbitration shall be Hong Kong. The number of arbitrators shall be three (3). OKX shall appoint one (1) arbitrator and you shall appoint one (1) arbitrator. The third arbitrator shall be appointed by the HKIAC. Such arbitrators shall be freely selected, and the parties shall not be limited in their selection to any prescribed list. The arbitration proceedings shall be conducted in English.

d. You agree that OKX shall not be required to give general discovery of documents, but may be required only to produce specific, identified documents which are relevant and material to the outcome of the Dispute.

e. Any arbitral award shall be final and binding upon the parties hereto and shall be enforceable in any competent court which has jurisdiction.

9.8 You shall not transfer, novate or assign this Agreement, and the rights and obligations hereunder, in whole or in part, without the prior written consent of OKX. OKX has the right to transfer, novate or assign any rights or obligations under this Agreement by serving written notice on you, which takes effect upon the delivery of such notice.

9.9 The headings of all the terms of this Agreement are for convenience only and have no actual meaning and cannot be used as a basis for interpretation of the meaning of this Agreement.

9.10 OKX shall have the sole and final discretion to interpret this Agreement.