OKX Money Referral Program Terms and Conditions
1. General
1.1. The OKX Money Referral Program (“Program”) is offered by OKX (“OKX”, “we”, “us”, or “our”) to reward eligible users for genuine acquisition and use of the OKX Card through referral links or codes.
1.2. Participation in the Program constitutes acceptance of these Terms and Conditions (“Terms”), the OKX User Agreement, Privacy Policy, applicable Card terms, and any market- or product-specific terms displayed in the OKX Money app, the OKX app, or an official OKX webpage, as amended from time to time.
1.3. The Program may include Tier 1, Tier 2, Tier 3, and invite-only Ambassador participation. The availability, rates, qualifying activities, and reward types may vary by market, legal entity, country of residence, and user.
1.4. This Program does not constitute financial advice, investment solicitation, or a guarantee of returns.
2. Definitions
For the purposes of these Terms:
“Inviter” means an eligible OKX user who shares a valid referral link or code.
“Invitee” means a user who enters OKX through, or is otherwise validly bound to, an Inviter’s referral link or code.
“Direct Invitee” or “Layer 1 Invitee” means an Invitee directly bound to the Inviter.
“Indirect Invitee” or “Layer 2 Invitee” means a user directly invited by the Inviter’s Direct Invitee. No reward is payable for users more than two layers below an Inviter.
“Referral Relationship” means the platform-level, OKX UID-based invitation relationship recorded by OKX. Unless OKX applies an approved recall or rebind rule, a user may have only one Inviter, determined by the first valid binding on the OKX platform.
“Successful Referral” means a genuine referral satisfying Section 6, including activation of an eligible OKX Card where required.
“Tier” means Tier 1, Tier 2, or Tier 3, determined by the number of an Inviter’s Direct Invitees who have become Successful Referrals.
“Ambassador” means an approved OKX affiliate with Card promotion eligibility. Ambassador status is invite-only or subject to application and approval and is not obtained automatically by reaching a referral Tier.
“Card Activation” means a first eligible activation of a virtual and/or physical OKX Card after payment of any applicable card fee. Replacement, duplicate, renewed, or reactivated cards do not qualify unless expressly stated by OKX.
“Eligible Transaction Volume” or “Eligible TPV” means the value of eligible, genuine, fully settled OKX Card transactions, excluding cancelled, reversed, refunded, disputed, cash-equivalent, abusive, or otherwise ineligible transactions.
“Commission” means a promotional reward calculated as a percentage of an eligible Card Activation fee, Eligible TPV, or a Direct Inviter’s Layer 1 Commission, as applicable.
“Reward” means any promotional reward, bonus, or Commission distributed in USDG or another digital asset, fiat-equivalent value, voucher, or benefit at OKX’s discretion.
3. Eligibility
3.1. The Program is available only to users served by an eligible OKX legal entity and located in jurisdictions where the Program and OKX Card are supported.
3.2. To participate, a user must:
maintain an active OKX account in good standing;
complete identity verification (KYC) and any additional verification required by OKX;
satisfy applicable age, residency, country-of-residence, sanctions, AML, and product-eligibility requirements; and
comply with applicable laws, these Terms, and all OKX policies.
3.3. Invitees must be eligible to obtain and use the OKX Card. Users from an ineligible or different onshore/offshore group may not count toward an Inviter’s progress or Rewards, even if a technical relationship appears in a referral graph.
3.4. Employees of OKX or its affiliates may be excluded at OKX’s discretion.
3.5. Existing Trade Affiliates may be recognized as Card Ambassadors, and approved Card-source Ambassadors may receive Trade Affiliate eligibility, subject to applicable onboarding, agreement, and compliance requirements.
4. Program Mechanics and Attribution
4.1. Inviters may refer multiple Invitees during the Program period using a valid referral link or code.
4.2. One relationship per UID. A user may have only one Referral Relationship across the OKX platform. The first valid binding controls attribution for the same user and genuine card acquisition, regardless of the app, client, campaign link, or subsequent invitation used.
4.3. Reward once per genuine acquisition. If multiple users or programs invite the same person, only the Inviter associated with the first valid Referral Relationship may receive a Reward for that person’s card acquisition, and the Invitee may receive an acquisition or welcome Reward only once.
4.4. Separate acquisitions remain eligible. Rewards earned for referring different people are separate, even if the referrals occur through different OKX products.
4.5. Two-layer cap. Eligible activity by a Layer 1 Invitee may reward the Direct Inviter. Eligible activity by a Layer 2 Invitee may reward the Layer 2 Invitee’s Direct Inviter and one Inviter immediately above that Direct Inviter. No Commission or Reward is payable to any person three or more layers above the user whose activity generated it.
4.6. Tier progression. Unless the Program page states otherwise:
Tier 1: 0–10 Successful Direct Referrals;
Tier 2: 11–30 Successful Direct Referrals; and
Tier 3: 31 or more Successful Direct Referrals.
A Direct Invitee counts toward Tier progression when that Invitee completes the qualifying Card Activation required by the Program.
4.7. Tier rates are prospective. The applicable Tier and Commission rate for a Direct Invitee are determined and recorded when that Invitee completes the qualifying Card Activation. A later Tier upgrade may apply to subsequent Direct Invitees and their eligible downstream activity but does not retroactively reprice earlier referrals, unless OKX expressly states otherwise. Tier updates may be processed periodically and need not occur in real time.
4.8. Ambassador status. Tier 1–3 participation does not automatically result in Ambassador status. A user becomes an Ambassador only after applying through an official channel and receiving approval, or after being invited and onboarded by OKX.
4.9. Universal affiliate identity; independent accounting. Approved Ambassador status may provide both Card and Trade promotion eligibility under a single affiliate identity. Card and Trade source tags, tiers, rates, assessments, data, operations, and payouts may nevertheless be calculated and administered independently. Cross-source participants may start at the lowest applicable Card tier unless OKX determines otherwise.
4.10. Dormancy, recall, and rebind rules may apply under OKX’s affiliate or referral policies. Card activity within the preceding 180 days may be treated as active-user activity and may prevent a Referral Relationship from being recalled or rebound.
4.11. Unless expressly permitted by OKX, this Program cannot be stacked with another campaign, promotion, bonus, rebate, fee discount, or reward for the same qualifying activity. If offers overlap, OKX may determine which offer applies, and the same activity will not be rewarded twice.
5. Rewards and Commissions
5.1. Default rate schedule. Please review the rates in the app directly.
5.2. Card Activation Commission. An Inviter may receive the applicable percentage of an eligible Card Activation fee actually paid by a Direct Invitee. Separate first eligible activations of a virtual and physical card may qualify where shown on the Program page.
5.3. Layer 1 Eligible TPV Commission. An Inviter may receive the applicable percentage of Eligible TPV generated by a Direct Invitee.
5.4. Layer 2 Override. An Inviter may receive 10% of the Layer 1 Eligible TPV Commission earned by the Inviter’s Direct Invitee from an Indirect Invitee. This is an override on the Direct Invitee’s Commission, not 10% of the Indirect Invitee’s Eligible TPV.
5.5. Example. If B is A’s Direct Invitee and C is B’s Direct Invitee, C’s eligible card spend may generate a Layer 1 Commission for B and a Layer 2 Override for A. If D is invited by C, D’s activity may reward C and B, but not A.
5.6. Invitee or welcome Rewards may be offered in selected markets. Their amount, permitted use, expiry, and any restriction to Card application or other purposes will be displayed before participation.
5.7. The Program page shown to the relevant user prevails for market-specific amounts, eligible assets, card fees, qualifying activities, and temporary promotional rates. Reward amounts may differ between users and may be adjusted or substituted with equivalent value at OKX’s discretion.
5.8. Unless otherwise stated, there is no fixed maximum period for earning ongoing Eligible TPV Commission while the Program remains active and all eligibility requirements continue to be met. No future Commission is guaranteed, and OKX may modify or end the Program under Section 10.
6. Successful Referrals and Qualifying Activity
6.1. A referral qualifies as a Successful Referral only if the Invitee:
is validly attributed under Section 4;
maintains an eligible OKX account and completes required KYC;
successfully applies for and activates an eligible OKX Card; and
completes any qualifying transaction, card-spend, or other task displayed on the Program page within the stated timeframe.
6.2. All qualifying Card Activations and transactions must be genuine, authorized, fully settled, and not cancelled, reversed, refunded, charged back, disputed, or otherwise invalidated.
6.3. Eligible TPV is calculated using OKX’s records and may exclude fees, cash withdrawals, cash-equivalent transactions, transfers, prohibited merchant categories, artificial activity, and any transaction identified as ineligible on the Program page.
6.4. Requirements must be completed within any timeframe displayed in the Program. A timeframe tied to an Invitee runs from that Invitee’s applicable registration, binding, card application, or activation date as specified by OKX.
6.5. OKX has sole discretion, acting reasonably and in accordance with applicable law, to determine attribution, Tier, Eligible TPV, Successful Referrals, Commission amounts, and whether any activity qualifies.
7. Reward Distribution, Adjustments, and Clawbacks
7.1. Rewards will be credited to the eligible user’s designated OKX account after calculation, settlement, internal review, and verification.
7.2. Tier updates, calculations, and distributions may occur in batches, including end-of-day or later processing. Timelines may vary due to settlement, compliance review, technical, or operational factors.
7.3. Rewards may be subject to holding periods, expiry, use restrictions, product terms, tax reporting, or withdrawal conditions communicated by OKX.
7.4. If an underlying Card Activation, purchase, or transaction is refunded, reversed, charged back, disputed, found ineligible, or associated with prohibited conduct, the related Reward or Commission may be cancelled, withheld, or deducted from the user’s balance or future Rewards.
7.5. Users are responsible for any taxes, duties, or reporting obligations arising from Rewards, unless applicable law requires otherwise.
8. Prohibited Conduct
8.1. Users must not:
create, control, or use multiple, duplicate, false, or fraudulent accounts;
engage in self-referrals, circular referrals, collusion, identity manipulation, or fabricated referral chains;
attempt to overwrite, evade, sell, transfer, or manipulate a Referral Relationship;
conduct artificial, non-commercial, wash, cash-equivalent, or abusive transactions to generate Tier progress, Eligible TPV, or Rewards;
use stolen payment methods, unauthorized funds, bots, scripts, or other deceptive means;
unless approved and onboarded by OKX as an Ambassador, use paid media, make unsolicited communications, target persons in unsupported jurisdictions, or make misleading statements about OKX, the Card, Rewards, or potential earnings; all Inviters must disclose that they may receive Rewards; or
otherwise exploit the Program contrary to its intended purpose.
8.2. OKX may suspend participation, freeze or revoke Ambassador status, cancel or recover Rewards, remove referrals from Tier calculations, restrict accounts, or take other action if prohibited conduct is detected.
9. Risk Control and Compliance
9.1. OKX may perform risk monitoring, KYC, sanctions, AML, fraud, source-of-funds, and compliance reviews at any time.
9.2. OKX may delay, withhold, cancel, or recover Rewards and may disqualify users where activity appears suspicious, unlawful, non-commercial, abusive, technically manipulated, or inconsistent with the Program’s purpose.
9.3. OKX’s systems and records are authoritative for account identity, first binding, source tags, Card Activation, Tier, Eligible TPV, settlement, refunds, and Reward calculations, except in the case of manifest error.
10. Modifications, Suspension, and Termination
10.1. To the extent permitted by applicable law, OKX may modify, pause, suspend, restrict, or terminate the Program, any Tier or rate, or any user’s participation at any time, including for legal, regulatory, risk, market, technical, or operational reasons.
10.2. OKX may amend these Terms and will publish or communicate material changes as required by applicable law. Continued participation after an amendment takes effect constitutes acceptance of the updated Terms.
10.3. Termination of the Program ends future accrual. Rewards validly earned before termination remain subject to settlement, verification, compliance review, adjustment, and these Terms.
11. Limitation of Liability
To the maximum extent permitted by law, OKX and its affiliates shall not be liable for indirect, incidental, special, consequential, or similar losses arising from participation in the Program, including losses resulting from delayed attribution or payment, technical issues, incorrect referral-link use, interruptions, third-party acts, or events beyond OKX’s reasonable control. Nothing in these Terms excludes liability that cannot lawfully be excluded.
12. Final Interpretation and Disputes
12.1. Subject to applicable law, OKX reserves the right to interpret and administer these Terms and resolve questions concerning attribution, qualification, Tier, calculation, and distribution.
12.2. Any complaint or dispute relating to the Program will be handled under the complaint and dispute provisions of the applicable OKX User Agreement.
13. More Details
Check the Card Referral or Rewards page in the OKX Money app, OKX app, or official OKX website for the rates and requirements applicable to you.
Disclaimer
This content is provided for informational purposes only and may cover products that are not available in your region. It is not intended to provide (i) investment advice or an investment recommendation; (ii) an offer or solicitation to buy, sell, or hold crypto/digital assets; or (iii) financial, accounting, legal, or tax advice. Crypto/digital asset holdings, including stablecoins, involve a high degree of risk and can fluctuate greatly. You should carefully consider whether trading or holding crypto/digital assets is suitable for you in light of your financial condition. Please consult your legal, tax, or investment professional regarding your circumstances. While reasonable care is taken in preparing information, no responsibility or liability is accepted for errors of fact or omission, to the extent permitted by law.