What is VIP Loan? VIP Loan supports loans of fixed interest rates for a fixed term of 90 days. Borrowers are charged constant interest during the loan period, providing both predictability and stability. VIP Loan works on a peer-to-peer model, matching lending orders (taker orders) to borrower orders (maker orders). OKX sets the APR based on market conditions, taking into account various factors. Borrowers place orders on the VIP Loan order book, specifying their borrowing amount.

This is an optimization upgrade of the VIP system, and no existing VIP levels have been removed.The key changes include: Lowering the entry threshold for VIP 1, enabling more users to enjoy VIP benefits. Expanding the VIP structure to 9; if a user’s trading volume remains unchanged, their VIP level will generally be upgraded by one level. Standardizing and optimizing the fee ranges across all VIP levels.

What is VIP Loan and where can I learn more about it? VIP Loan is an institutional lending product offered by OKX. For more information, visit here.How do I apply for VIP Loan? Visit here or find the entrance in the Institutional dropdown on OKX. Tap Apply now and complete the questionnaire with your basic information, asset, trading behaviors, and risk performance data.How long does the VIP Loan application review take? OKX will review your application and respond within one week.

Starting on December 9, 2025, Institutional Loan will be renamed as VIP Loan. Note that this change involves only the product name. The product mechanisms (both front-end and back-end such as OpenAPI data fields) will not be impacted at this time. There is also no change to the eligibility criteria for the newly-named VIP Loan. Not all users with VIP status may be automatically eligible for this product. OKX team

Dear OKX users, Starting from May 21, 2026, the 30-day options trading volume used for VIP tier qualification will be calculated using Effective Notional. This adjustment applies only to options. Other instruments remain unchanged. Please note: OKX reserves the right to modify or postpone the effective date of the above changes at its sole discretion. Please always refer to the OKX fee page for your region for the latest information.

Previous VIP rules and Dual Investment APR OKX VIP level Dual Investment APR VIP 1 - 5 Boosted VIP APR compared to non-VIP users VIP 6 - 9 Top VIP APR compared to VIP 1 to VIP 5 usersUpdated VIP rules and Dual Investment APR OKX VIP level Dual Investment APR VIP 1 - 4 Boosted VIP APR compared to non-VIP users VIP 5 - 9 Top VIP APR compared to VIP 1 to VIP 4 users To learn more about your current VIP level and VIP program rules, please visit My trading fees.

VIPs may submit their delivery address, Customization Name and Number on the football Jersey from March 25, 2026 at 12:00PM (UTC+8) to March 31, 2026 at 12:00PM (UTC+8). Notes: Only verified VIP users are eligible. Trial VIP accounts aren't eligible for the World Cup VIP Exclusive Gift Set. Submit your shipping information on time: Please provide an accurate delivery address before the deadline specified above.

On the app On the home page, go to Main menu Select the icon to access an expanded page with your profile, settings and shortcuts Once you're at the Personal Center, proceed to the VIP landing page by selecting the VIP menu Enter the VIP program page by selecting the VIP banner Once you're on the landing page, you're able to submit your applicationOn the web On the home page, select the More option and select VIP program Load open the More menu and select VIP program from the list You'll be redirected

Dear OKX Users, Effective April 8, 2026, users with a current asset balance or 30-day average asset balance of 30,000 USD equivalent or above will have access to OKX's priority customer service channel, receiving the same response priority as OKX VIP users. This includes access to a dedicated customer service channel and relationship manager services. Users who subsequently qualify for full VIP status will be immediately assigned to a dedicated service group for personalized account support.

This affects our users who subscribe to VIP Loan and Credit Line arrangements with us. The update will roll out in stages commencing from 20 May 2026. Your OKX Relationship Manager will reach out to you with more details of when the update will be applied to you. We are making this change to give VIP Loan and Credit Line users greater protection during periods of market stress.

Starting at 08:00 am UTC on April 2, 2026, the interest-free period for VIP Loan repayments will be extended from 3 days (72 hours) to 5 days (120 hours). As VIP Loan borrowers, if you repay the loan more than 120 hours before maturity, you will be charged an extra prepayment fee equivalent to 100% of the residual interest. If you repay in the last 120 hours before maturity, remaining interest for the number of full hours until maturity won’t be charged.

VIP Tier Threshold Adjustments The following three changes will be implemented: (i) 30-day futures trading volume thresholds for VIP 1 through VIP 3 have been lowered, enabling a boarder range of users to qualify for VIP fee rates; (ii) asset requirements for VIP 2 through VIP 6 have been revised; (iii) asset-based thresholds have been introduced for VIP 7 through VIP 9, offering high-asset clients an additional qualification pathway to their respective fee tiers.

BTC Yield+ is a conservative BTC strategy for VIP users. This product offers Bitcoin holders a low-risk opportunity to grow their assets with principal protection.

Details The converted structured product volume will be included in your daily VIP tier assessment and aggregated with the options trading volume you generate via Simple Options and Advanced Options. All other VIP tier criteria — including spot, futures, and options volume thresholds, as well as asset balance requirements — remain unchanged. Additional structured products may be brought into scope in the future, subject to separate announcement.

update): 12,000,000 VIP 3 (VIP 2 before update): 8,000,000 VIP 2 (VIP 1 before update): 6,000,000 VIP 1: 4,000,000 Regular users: 2,000,000 VIP 9: 30,000,000 VIP 8: 25,000,000 VIP 7: 20,000,000 VIP 6: 15,000,000 VIP 5: 10,000,000 VIP 4: 6,000,000 VIP 3: 4,000,000 VIP 2: 3,000,000 VIP 1: 2,000,000 Regular users: 1,000,000 Delta Neutral Strategy Mode VIP 9 (VIP 8 before update): 90,000,000 VIP 8 (VIP 7 before update): 75,000,000 VIP 7 (VIP 6 before update): 60,000,000 VIP 6 (VIP 5 before update): 45,000,000