OKX investment  Loan

OKX Investment VIP loans service aims to provide large loan limits with low-interest exclusively for customers who’re VIP5 or above on top of the existing margin loan service. 

What is VIP loans

VIP loans provide VIP clients with an additional lending pool. In the past, client’s liabilities were borrowed from the Savings pool (Market Borrow).

Assume the user has 1 BTC (where 1 BTC = 100 USDT), he/she will need 1 BTC as margin (collateral) to borrow 1,000 USDT to buy 10 BTC. After transaction is completed, user gets 11 BTC as asset and 1,000 USDT liability. Without VIP loans, the 1,000 USDT can only be borrowed from the Market Borrow.

However, there’s a limit to Market Borrow. When Market Borrow limit remains 500 USDT (that could be the case the USDT in Savings pool has been borrowed by others, or occupied by user’s other positions), even the user has enough margin he/she can only borrow 500 USDT to buy 5 BTC – unable to finish the 10x leverage trade. With VIP loans of 500 USDT, the additional borrow limit enables the user to finish that 10x leverage trade.



At the end, the user would still have 11 BTC as their asset and 1,000 USDT liability (500 USDT from Market Borrow and 500 USDT from VIP loans).

Please note that even the user has secured enough borrow limits, he/she won’t be able to make the trade successfully without sufficient margin. If the margin left is 0.1 BTC and he/she borrowed 500 USDT from VIP loans, he/she can still only borrow 100 USDT for the trade. VIP loans don’t provide assets, and will not impact the margin.


Users can borrow through two independent fund pools: the VIP loans pool and the Market Borrow Savings pool. When calculating the interest, our system will divide the loan into two fund pools to calculate liabilities and interest respectively according to the user’s total loan amount, VIP loans amount, and Market Borrow loan amount (VIP loans fund pool will go first).

Example: User A has a total liability of 5,000 USDT in one of his sub-accounts:

Locked amount of VIP loans
VIP loans pool
Market Borrow Savings pool
0 (without the VIP loans)
5,000 USDT
10,000 USDT
5,000 USDT
4,000 USDT
4,000 USDT
1,000 USDT


OKX INvestment Interest rate

OKX Investment will adjust the VIP loans interest rate according to the latest lending market trends, aiming to maintain a relatively lower interest rate.

After borrowing, the interest rate of the VIP loan order will remain unchanged within 30 days. During this period, even if the interest rate of the VIP loan increases, the interest will still be calculated according to the fixed interest rate of the order. After 30 days, the order will refresh at the rate of maturity and remain fixed for another 30 days.


If the user wants to stop borrowing, he/she can choose to repay. This will release the VIP loans borrow limit previously locked by the user.

If the locked amount is less than the total loan amount of the current account after repayment, the excess will be converted into Market Borrow. Since Market Borrow has different interest rate levels and risk management rules, there will be validation to ensure user has sufficient assets when it’s being transferred. If the validation fails, the user will not be able to make the repayment.

Example: User A locked 5,000 USDT in VIP loans and currently has 4,000 USDT liability, the table below shows what happens if User A repays different amounts of the VIP loans:

Repayment Amount
Locked amount of VIP loans after repayment
Interest-bearing liability
500 USDT
4,500 USDT
VIP loans: 4,500 USDT
2,000 USDT
3,000 USDT
VIP loans: 3,000 USDT
Market Borrow: 1,000 USDT

Risk Management

VIP loans is not included in the margin calculations. Under the current unified account risk management rules, VIP loans is not included as extra risk scenarios except the interest fee being deducted.

The interest of VIP loans is calculated and deducted from the trading account balance on an hourly basis. The trading account balance is subject to risk control according to the risk management rules of the unified account.

When borrowing occurs during margin trading, the system also performs risk control according to the risk management rules of the unified account (depends on account and position modes). Please refer to the Unified Account Risk Management Rules for details.



OKX VIP loans service aims to provide large loan limits with low-interest exclusively for customers who’re VIP5 or above on top of the existing margin loan service.

OKX Investment provide loan to make trading and investment easy and fast . Stand the chance to enjoy the low rat loan. Market Borrow interest rate will be applied to the exceeded amount.