Smart Account Services Terms and Conditions

Published on Apr 25, 2025

Last Modified: July 31, 2025

  1. Smart Account services ("SA Services"). Access to SA Services requires you to agree to the following terms ("SA Terms"):

    1. Assets held in a SA Services wallet are not directly managed or hosted by OKX.

    2. Only certain Digital Assets, as identified within your SA Services wallet, are supported by the SA Services.

    3. You may fund your SA Services wallet by transferring supported Digital Assets from your OKX account or from an external wallet or account owned by you.

    4. You may withdraw unencumbered Digital Assets from your SA Services wallet to your OKX account.

    5. Unsupported Digital Assets deposited in a SA Services wallet may be unrecoverable.

    6. Transactions that require on-chain interaction with a blockchain or smart contract, including various actions within products that utilize the SA Services, will require signing by both you and OKX ("fully signed").

    7. By initiating any on-chain action within your SA Services wallet, you authorize OKX to sign the on-chain transaction and solely assume all risk and liability associated with such action.

    8. There may be gas fees associated with supported Digital Asset transfers to or from your SA Services wallet, creation of or interacting with smart contracts, and other on-chain activities, which may be variable and dependent on network congestion and demand.

    9. OKX may, at its sole discretion, impose limits on the amount and frequency of any transfers to or from your SA Services wallet.

    10. In certain cases, OKX may allow you to pre-authorize certain transactions. You are solely responsible for keeping track and managing all pre-authorized transactions that you have set up.

    11. OKX reserves the right to investigate your transactions and withhold its authorization for any transaction initiated or preauthorized by you in order to comply with applicable laws, regulations, or law enforcement requests.

    12. OKX may set limits on any transaction that utilizes the SA Services.

    13. There may be fees associated with various features of the SA Services. Fees, if any, will be linked here.

    14. The OKX Terms of Service that apply to your jurisdiction are incorporated into these SA Terms. Such terms can be found here.

  2. Web3 Pay services

    1. Pay Services may be restricted to specific Digital Assets or amounts, as determined by OKX, and you must hold such Digital Assets in your SA Services wallet in order to utilize the Pay Services.

    2. Once a transaction is fully signed, the transaction will be committed to a smart contract for execution, which may require the recipient to accept that payment.

    3. Any transaction requiring acceptance by the recipient will be auto-rejected 48hrs after the transaction is initiated if it is not accepted and the assets returned to your SA Services wallet.

    4. You acknowledge and agree that completed transactions cannot be reversed, recalled, or otherwise refunded. For the avoidance of doubt, a transaction will be deemed to be "completed" when (a) (if acceptance is required) it is accepted by the recipient, or (b) (if acceptance is not required) once a transaction is fully signed.

    5. Except as expressly authorized by OKX, the Pay Services may not be used to conduct business, commercial, or merchant transactions with other Pay Services users, which includes paying or accepting payment from other users you do not personally know for goods or services.

    6. You agree to share information, including but not limited to your name, the amount, and other transaction information with the other party to a Pay Services transaction (more details can be found in our Privacy Notice here).

    7. These Pay Services terms also apply to OKX Gift, where available.

  3. Web3 Card services ("Card Services"). Card Services may not be available in all jurisdictions. If available and offered to you, access to Card Services requires you to agree to the SA Terms and the following additional terms:

    1. We may arrange for you to access a debit card issued in a virtual or physical form that is linked to the balance in your SA Service wallet ("OKX Debit Card").

    2. You may be required to pre-authorize a spending limit and/or which assets to utilize, which will determine the aggregate total and/or per transaction limit that can be authorized for spending on your OKX Debit Card.

    3. You can only make transactions using your debit card if: 1) you have sufficient unencumbered balance in your SA Services wallet designated for OKX Debit Card use.

    4. Each time you authorize a transaction, you authorize OKX to sell the applicable amount of Digital Assets in your Exchange Account and transfer the fiat proceeds for use during settlement. Conversion occurs at the rate shown in-app at the moment of authorization.

    5. Digital-asset prices are highly volatile; the fiat value available for spending can change until the moment a transaction is authorized.

    6. If such service is available, you may disable your OKX Debit Card at any time in-app, but pending authorisations may still settle.

    7. We may suspend access to or cancel your access to the Card Services at our sole discretion and your OKX Debit Card, either tokenized or physical forms, may be cancelled at any time without notice.

    8. If you add the Card to a digital wallet (e.g., Apple Pay, Google Pay, etc.)("Digital Wallet"), you are responsible for keeping your device and passcode secure. Card token transactions are treated the same as chip transactions for liability purposes.

    9. We are not the provider of the Digital Wallet or the Digital Wallet service. We only provide the necessary technical services to allow you to add your OKX Debit Card to a supported third-party Digital Wallet. We are not responsible for any services provided by such third-party Digital Wallet providers that may impact your use of the Digital Wallet.

      YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE THE DIGITAL WALLET AT YOUR OWN RISK AND DISCRETION. TO THE MAXIMUM EXTENT ALLOWED BY LAW, THE WALLET IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE MAKE NO EXPRESS, IMPLIED, OR STATUTORY WARRANTIES—INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, OR UNINTERRUPTED OR ERROR-FREE SERVICE. NO ORAL OR WRITTEN INFORMATION OR ADVICE CREATES ANY WARRANTY.

    10. You additionally agree to be bound by the applicable cardholder terms found here.

      For Users in Brazil:

    11. Monavate Ltd. is the authorised issuer of this prepaid payment Instrument under Mastercard rules.

  4. Web3 Smart Savings ("Savings Services"). Savings Services may not be available in all jurisdictions. If available and offered to you, access to Savings Services requires you to agree to the SA Terms and the following additional terms offers may vary by jurisdiction:

    1. For users located where stablecoin rewards are available:

      1. Rewards will accrue at the rate shown on your customer interface and are based on the average daily balance of the supported stablecoin balance in your SA Services wallet.

      2. Accrued rewards will be transferred to your SA Services wallet on a monthly basis.

      3. OKX reserves the right, in its sole discretion, to adjust, change, pause, or terminate Rewards accrual at any time

    2. For users located where Robo Vault ("RV Service") is available:

      1. The RV Service will allow you to enroll your eligible Digital Assets in a return-based rebalancing algorithm ("Algorithm") that will periodically rebalance the distribution of Digital Assets committed to a a particular set of defi protocols with the goal of maintaining a proprietary balance between overall yield and risk.

      2. You agree that OKX is only responsible for providing the Algorithm and you assume all risks associated with the use of this algorithm. You further agree to assume all risks associated with each defi protocol named under the RV Service, including any risk of loss that may be associated with such defi protocols.

      3. Assets placed in the Robo Vault ("Deposits") are committed to the respective protocols immediately.

      4. Defi yields will accrue in accordance with respective defi protocol rules and will be reflected in your account on an approximately hourly basis.

      5. Assets redeemed ("Withdrawals") from the Robo Vault require you to request such Withdrawals from OKX, and may be subject to a processing time, including but not limited to protocol, on-chain, or other technical delays, before they are available in your account.

      6. OKX may provide you with a “Fast Redemption” feature in the RV Service which may significantly decrease or negate the processing time required for Withdrawals. Such feature is available only if there is sufficient liquidity in the RV Service to provide you with Fast Redemption. Fast Redemption is not guaranteed, it may not be available (with or without notice) and users may be subject to a processing time (as described in the preceding clause) for their Withdrawals. Liquidity to provide Fast Redemption is primarily sourced from a holdback of RV Service user Deposits. You agree that a portion of your Deposits may be used for such liquidity. OKX reserves the right to suspend Fast Redemption without notice at any time at its sole discretion.

      7. OKX reserves the right to introduce, impose, adjust or remove limits on Deposits or Withdraws, either in aggregate or per transaction, in its sole discretion, while you are using the RV Service.

      8. OKX also reserves the right to pause, modify, or terminate the RV Service at any time, in its sole and absolute discretion.