OKX introduces OKX Shield

OKX is pleased to introduce OKX Shield, a voluntary, discretionary goodwill programme that may reimburse eligible users for losses in their OKX Exchange accounts caused by third-party account takeover (ATO) incidents. OKX Shield adds another layer of protection to OKX's existing account-security and risk-control measures. It is not insurance, an investor compensation scheme, a deposit guarantee scheme, or an unconditional promise to reimburse a loss. Participation, eligibility, reimbursement limits, and claim outcomes are subject to the applicable OKX Shield Terms and Conditions. OKX Shield is initially available to eligible identity-verified users onboarded with OKX Europe Limited or OKX Europe Markets Limited.

What OKX Shield offers

• Account takeover reimbursement: Eligible losses caused by unauthorised third-party control of an OKX Exchange account may be considered for reimbursement.

• Tier-based limits: For the EEA launch phase, the maximum reimbursement limit is up to €100,000 for regular users, up to €250,000 for VIP 1–3 users, and up to €500,000 for VIP 4–6 users.

• No additional charge: Eligible users can activate OKX Shield without an additional programme fee.

• Ongoing security checks: Account eligibility, device health, and required security controls are checked before activation and on an ongoing basis to help users maintain protection.

• Automatic restoration: If OKX Shield becomes inactive because a required condition is no longer met, it is restored automatically after the issue is resolved and all conditions are verified again.

OKX Shield is not a guarantee of payment. The actual outcome depends on OKX's review, the evidence available, the applicable limit, the Terms and Conditions, and whether any exclusion applies. Each person, based on KYC identity, may receive reimbursement for no more than one approved claim during their lifetime across all OKX entities (even if that claim is below the reimbursement limit).

How to activate OKX Shield

OKX Shield does not activate automatically. Eligible users must complete all six required actions:

1. Pass the account-eligibility check.

2. Pass the device-health check for the current and linked devices.

3. Enable Passkey.

4. Enable Large Withdrawal Protection.

5. Enable Web Withdrawal Protection.

6. Set up MFA for all supported activities.

After completing the checklist, review and accept the applicable Terms and Conditions, then select Activate OKX Shield.

App

1. Main Entrance

2. Landing Page

Web

1. Main Entrance

2. Landing Page

What may be covered?

Subject to the Terms and Conditions and OKX's case review, the programme is intended to reimburse eligible users for losses due to unauthorised withdrawals resulting from unauthorised third-party account access, qualifying credential-phishing incidents, qualifying Trojan or malware attacks, malicious remote control without the user's participation, and SIM-swap attacks, which occur while OKX Shield is active.Transactions initiated, authorised, confirmed, or signed by the user are not covered, even where the user was deceived or socially engineered. Investment or trading losses, losses outside the OKX Exchange account, API-key disclosure, duplicate reimbursement, user negligence, and programme abuse are also excluded. Other exclusions apply.

If you suspect an account takeover

Contact OKX immediately through Customer Support in the App/Web Help Centre or through online customer service chat. A formal claim must be submitted within 72 hours of the last unauthorised transaction, and requested supporting information must be provided within seven days of the formal claim.For the complete programme scope, eligibility criteria, reimbursement rules, exclusions, claim process, and appeals information, read the OKX Shield Terms and Conditions.