OKX Auto-Invest is a value-added service that automatically deposits your digital assets into OKX's flexible savings plan. Earn market-competitive hourly interest rates while maintaining the freedom to withdraw anytime. Our robust risk management system ensures security and reliability, maximizing returns while safeguarding your assets.
How Assets Are Used
Funds from Auto-Invest are utilized to support OKX's ecosystem services, enhancing platform liquidity.
Subscription & Redemption
1. Instant Participation
- Automation: Assets remain in your funding account for 6 hours of inactivity before transferring to Auto-Invest. Margin and trading account balances are excluded.
Eligibility: All users may participate, but account verification unlocks specific cryptocurrency APYs.
Example:
Buy BTC → 6-hour countdown begins → Convert BTC after 2 hours → Countdown resets upon conversion.
2. Redemption
Withdraw assets anytime. Redeemed coins won't re-enter Auto-Invest or accrue interest until after a 6-hour cooldown period.
3. Opting Out
Disable Auto-Invest via the "Earn" tab under "Portfolio" or "Earnings." Re-enrollment is available anytime.
Deposit Limits
The table below outlines maximum deposits per cryptocurrency. Limits are shared across main/sub-accounts, with no redemption caps. OKX reserves rights to adjust limits based on market conditions.
| Cryptocurrency | Maximum Deposit |
|---|---|
| BTC | 50 |
| ETH | 1,000 |
| USDT | 5,000,000 |
| ... (full list in original) | ... |
👉 Explore OKX's Auto-Invest Today
Interest Rates & Distribution
1. Rate Determination
APYs are set hourly based on lending demand, aligning users with optimal market rates automatically.
2. Calculation & Allocation
Interest accrued from hour T to T+1 is distributed at T+1 for matched loans.
3. Minimum Balance Requirements
- ≥1,000 USDT: 0.0001
- 100–999 USDT: 0.001
- 10–99 USDT: 0.01
- 1–9 USDT: 0.1
- <1 USDT: 1
Rates update daily at 00:00 (UTC+8).
FAQs
Q: Can I withdraw funds anytime?
A: Yes, redemptions are instant but trigger a 6-hour cooldown before reinvestment.
Q: Are margin funds eligible for Auto-Invest?
A: No, only assets in your funding account qualify.
Q: How often are interest payments made?
A: Hourly, distributed at the end of each accrual period.