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.

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

0.075% | 0.240% | 44,000,000 | | VIP 5 | 5,000,001 - 10,000,000 | 2,500,001 - 5,000,000 | 0.050% | 0.230% | 48,000,000 | | VIP 6 | 10,000,000+ | 5,000,001 - 10,000,000 | 0.000% | 0.200% | 60,000,000 | | VIP 7 | - | 10,000,001 - 20,000,000 | -0.030% | 0.150% | 72,000,000 | | VIP 8 | - | 20,000,001 - 50,000,000 | -0.050% | 0.100% | 80,000,000 | | VIP 9 | - | 50,000,001+ | -0.050% | 0.080% | 80,000,000 | For more detail, you can refer to the trading fee schedule or read Trading Fee Rules FAQ.

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?

Starting from 27 February 2026, we will update the Maker and Taker VIP tiers in the EEA. Here's what's changing: Taker fees are being reduced for all VIP tiers Maker fees are being reduced for VIP tiers 1 - 3 Adjustments to maker fees for VIP tiers 5 - 9 The table below shows the updated fees.

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.

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.

One lucky user will have the opportunity to win two tickets to a VIP trackside experience in Italy, set for May 17 to May 19, in full McLaren Racing style.

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

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

Starting from 25 November 2025, we will update the Maker and Taker VIP tiers in the EEA. Here's what's changing: Introduction of a new VIP 9 tier, expanding our VIP program to nine tiers in total Easier upgrade from VIP 3 to VIP 4 — reach lower thresholds and enjoy reduced fees VIP 5, VIP 6 and VIP 7 will get +1 on their VIP tier, but fees remain unchanged, except for VIP 8 for which the fee is increased The table below shows the updated fees.

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

Tier Assets (EUR) OR 30-day Trading Volume (EUR) New Maker Fee New Taker Fee 24h Crypto Withdrawal Limit (USD) Regular User 0 – 20,000 0 – 100,000 0.20% 0.35% 10,000,000 VIP 1 20,001 – 25,000 100,001 – 250,000 0.18% 0.30% 24,000,000 VIP 2 25,001 – 50,000 250,001 – 500,000 0.15% 0.28% 32,000,000 VIP 3 50,001 – 250,000 500,001 – 2,500,000 0.10% 0.25% 40,000,000 VIP 4 250,001 – 500,000 2,500,001 – 5,000,000 0.05% 0.23% 48,000,000 VIP 5 500,001 – 1,000,000 5,000,001 – 10,000,000 0.00% 0.20% 60,000,000

VIP 2 ≥ 500,000 / ≥ 100,000,000 0.008% 0.030% VIP 3 ≥ 2,000,000 / ≥ 200,000,000 0.005% 0.030% VIP 4 ≥ 5,000,000 / ≥ 600,000,000 0.002% 0.025% VIP 5 ≥ 10,000,000 / ≥ 1,000,000,000 0.000% 0.025% VIP 6 -- / ≥ 1,500,000,000 -0.010% 0.025% VIP 7 -- / ≥ 2,000,000,000 -0.015% 0.025% VIP 8 -- / ≥ 20,000,000,000 -0.015% 0.020% If users meet the conditions of different fee tiers in terms of spot trading volume, total trading volume of futures and perpetual contracts (USDT-margined, USDC-margined and crypto-margined