FAQ about Financial Services

Q: What financial products are available? How can I participate?

OKX Grow products combine a variety of wealth management services, mainly divided into four categories: Earn, Lending, Jumpstart, and Structured Products.

You can refer to the following path to participate in OKX Grow services:

App users: Open the OKX app, tap the [Grow] tab, and select the specific product to complete the required actions.

Web customers: Go to the OKX official website Home, click on [Grow], select [Earn], [Lending], or [Jumpstart], then choose a specific product and follow the instructions to complete the operation.

Q: When do Grow products start accruing interest and distributing returns?

The interest calculation rules and return times vary for different products. Please refer to the subscription page for specific details.

Q: What is peer-to-peer lending?

C2C lending is a peer-to-peer lending service provided by OKX for customers, designed to meet the diverse borrowing and investment needs of different customers.

peer-to-peer lending is divided into borrowers and investors. Borrower A: I have collateral, such as BTC, and I want flexible funds to do other things; Investor B: I have idle funds, such as USDT, and I want to invest in fixed-income term products. At this point, customer B can lend funds to customer A through the lending product and earn stable returns upon maturity.

Q: What is the reference annualized rate of a financial product?

The reference annualized rate is calculated based on the actual daily return on investment and is a theoretical return on investment for reference only.

Q: What risks might exist when earning coins on-chain?

Overall, there are six types of risks: smart contract code security risks, risks introduced by smart contract Admin Keys, risks of holding assets themselves (such as price fluctuation, sharp rises and falls, etc.), composability risks of on-chain yield strategies, smart contract platform risks, and risks related to customers' own private key management.

In theory, emerging projects carry significant risks before undergoing security audits and real-world testing. Before entering the marketplace, you should not only understand the project itself but also pay extra attention to potential risks.

OKX only acts as a platform to help customers select and access on-chain earning projects, providing project display and return distribution services. It does not bear any responsibility for asset losses caused by potential risks such as futures vulnerabilities, hacking incidents, or project absconding.