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.

For example, this adjustment lowers the futures transaction threshold for VIP 1 from 50 million USDT to 10 million USDT, allowing more users to access VIP fee benefits more easily. For further details, please refer to Updates to Global Fee Framework.Q2: Has the platform removed any VIP levels or reduced fee discounts? This is an optimization upgrade of the VIP system, and no existing VIP levels have been removed.

New 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 users To learn more about your current VIP level and VIP program rules, please visit My trading fees. For any inquiries regarding this upgrade, please feel free to contact us in the official OKX Telegram group or via the Support Center. Regards, OKX team November 25, 2025

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

To better serve Dual Investment users, OKX is launching the Dual Investment VIP program, offering VIP users an exclusive APR, higher than the base returns.1. Eligible products - Dual Investment products, including Dual Investment and Dual Investment Lite.2. How to Become a Dual Investment VIP?

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

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.

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

Glossary Term Description Min account age The minimum duration of time you've been a registered user with us Min completed P2P orders The minimum number of completed orders Min unique P2P users traded The minimum number of counterparties you've traded with on the P2P marketplace Min P2P completion rate The percentage of successfully completed transactions or processes compared to the total number of transactions or processes attempted Min buy orders (within 6 months) The minimum number of buy orders

Refer to the following table for details: Borrowing limit VIP level Current limit (USDT) Adjustment 1 (11/20/2025) Adjustment 2 (11/27/2025) VIP 9 65,000,000 40,000,000 30,000,000 VIP 8 60,000,000 40,000,000 25,000,000 VIP 7 55.000,000 40,000,000 20,000,000 VIP 6 50,000,000 30,000,000 15,000,000 VIP 5 45,000,000 20,000,000 10,000,000 VIP 4 40,000,000 12,000,000 6,000,000 VIP 3 35,000,000 8,000,000 4,000,000 VIP 2 30,000,000 6,000,000 3,000,000 VIP 1 Currently unavailable 2,000,000 2,000,000 Retail

Strategy type Current USDT main account borrowing limit Adjusted USDT main account borrowing limit General VIP 8: 65,000,000 VIP 7: 60,000,000 VIP 6: 55,000,000 VIP 5: 50,000,000 VIP 4: 45,000,000 VIP 3: 40,000,000 VIP 2: 35,000,000 VIP 1: 30,000,000 Regular users: 5,000,000 No adjustment yet Delta neutral Not applicable VIP 8: 40,000,000 VIP 7: 30,000,000 VIP 6: 20,000,000 VIP 5: 15,000,000 VIP 4: 8,000,000 VIP 3: 6,000,000 VIP 2: 4,000,000 VIP 1: 2,000,000 Regular users: Not applicable to regular

Lowering VIP entry requirements and additional VIP Tier We're lowering qualification requirements for entry into the VIP ecosystem, also expanding VIP tiers from 8 to 9. Users who qualify for new VIP tiers after the changes go live will automatically receive the updated VIP status.Spot Markets Spot Market pairs will be streamlined into three groups.

Glossary Term Description Min account age The minimum duration of time you've been a registered user with us Min completed P2P orders The minimum number of completed orders Min unique P2P users traded The minimum number of unique users you've traded with Min P2P completion rate The minimum completion rate of your P2P transactions Min buy orders (within 6 months) The minimum number of buy orders within 6 months Min sell orders (within 6 months) The minimum number of sell orders within 6 months Min