閃賺產品更新：新用戶等級體系與閃賺 Lite (1)

發佈於 2026年6月10日閱讀時長 5 分鐘

Main Takeaways

  • OKUSD is a USDT-pegged platform token issued natively on OKX, backed 1:1 with USDT. Subscribe with USDT at zero fee and receive OKUSD instantly — no spread, no lockup.

  • Hold OKUSD to earn daily APR, paid in USDT the next day — no staking required, no lockup period. Interest accrues across your trading, funding, and lending collateral accounts automatically.

  • OKUSD works as yield-bearing collateral in flexible loan, VIP loan, and trading account margin — earn while you trade, no dedicated capital required.

What is OKUSD?

OKUSD is an OKX-native platform token pegged 1:1 to USDT. Subscribe using USDT and OKX pays a daily USDT yield in the form of interest. The daily APR is variable and reflects prevailing market conditions. There is no on-chain or DeFi exposure — OKUSD is a closed-loop, off-chain instrument. OKUSD is currently available to OKX VIP users only.

Benefits of Holding OKUSD on OKX

  • Daily yield, paid in USDT: Interest is credited to your funding account the next day. Rate is variable and reflects daily market conditions.

  • Zero subscription fee: Convert USDT to OKUSD 1:1, instantly, with 0% fee. No spread, no slippage.

  • Dual redemption paths: Fast redeem (real-time, 0.1% fee, 500K–3M OKUSD/day) or standard redeem (taking extra time, 0.025% fee, 1M–20M OKUSD/day) — choose based on urgency.

  • Yield-bearing collateral: OKUSD counts as collateral in flexible loan and VIP loan, and as margin in trading account (98% discount rate). Earn APR and maintain margin simultaneously.

  • No holding cap: Every unit of OKUSD in your funding and trading accounts earns interest. No tier limit, no cap on earnings.

How to Start Earning

  1. Log in to your OKX account.

  2. Subscribe to OKUSD via the Earn page, or the Explore -> Stable Rewards page:

    1. USDT → OKUSD: 1:1, 0% fee, credited in real-time

    2. Minimum subscription: 1 USDT

  3. Hold OKUSD — interest starts accruing from the first 8:00 (UTC+0) after subscription. Daily payout in USDT lands in your funding account at 8:00 (UTC+0).

Subscription & Redemption

Subscribe

Fast Redeem

Standard Redeem

Pair

USDT → OKUSD

OKUSD → USDT

OKUSD → USDT

Speed

Real-time

Real-time

With a delay

Fee

0%

0.1%

0.025%

Personal daily limit

—

500K – 3M OKUSD

1M – 20M OKUSD

Platform daily cap

50M USDT

~5M OKUSD (shared)

40M OKUSD (shared)

Product Highlights

  1. Zero subscription fee — USDT → OKUSD 1:1, no spread. Lowest-friction entry of any exchange yield-bearing collateral product.

  2. Daily USDT yield — Interest paid in USDT, credited the next day. No additional conversion step to realize returns.

  3. Broadest collateral coverage — Flexible loan · VIP loan · Trading account margin — earning while deployed.

  4. No holding cap — Full balance earns at the same rate. No tiered decay above a threshold.

  5. Dual redemption — Real-time fast path for urgent liquidity; low-cost standard path for planned exits.

FAQ

1. Does OKUSD generate yield when used as trading margin?

Yes — OKUSD earns interest regardless of whether it is deployed as margin. Balances in trading accounts, funding accounts, and flexible loan collateral all accrue interest daily.

2. What is the APR and how is it set?

The APR is variable and updates based on market conditions. It is not fixed. The formula:Daily interest = OKUSD balance × APR × (1 / 365)Credited in USDT to your funding account the following day.

3. Is there a cap on how much OKUSD earns interest?

No. There is no cap. Every OKUSD unit earns at the same rate regardless of position size.

4. What is the collateral discount rate?

0.98 — 98% of your OKUSD balance counts toward margin and collateral value.

5. What if the fast redemption pool runs out?

If the shared fast redeem pool is exhausted by other users, your request will be rejected and fall back to the standard redemption path (0.025% fee with a delay). Plan large exits via the standard path to avoid such cases.

6. How do I check holdings and earnings?

Navigate to Earn → OKUSD in your OKX account.

Disclaimer

By subscribing to OKUSD, you are lending USDT to OKX and each unit of OKUSD represents 1 USDT loaned to OKX. OKX is under no obligation to account to you the application of the subscription proceeds. The daily APR is set by OKX at its sole and absolute discretion, is variable, and may be modified, reduced, or discontinued at any time without prior notice. Estimates of APR or daily yield published on the OKX website do not represent guaranteed returns. Interest accrual begins subject to subscription confirmation and may involve a delay. OKUSD is currently available to VIP users only and is not available in all jurisdictions.This article is for reference only and does not constitute (i) investment advice or recommendations, (ii) an offer or solicitation to buy, sell, or hold digital assets, or (iii) financial, accounting, legal, or tax advice. Digital assets involve risk and may lose value. You should consider whether this product is suitable for you in light of your financial circumstances. For more details, see the OKX Terms of Service and Risk & Compliance Disclosure.© 2026 OKX. All rights reserved. OKX reserves the right to modify the contents of this article at its sole discretion without prior notice.