OKX Shield Offers Eligible Users Account-Takeover Reimbursement

OKX Shield, announced on October 1, 2026, is a voluntary program that may reimburse eligible users for certain losses caused by a third party taking over an OKX Exchange account. OKX describes it as a discretionary goodwill program, not insurance, a deposit guarantee or a promise that every claim will be paid.

Reimbursement limits and activation

The announced maximum is up to $100,000 for regular users, $250,000 for VIP 1–3 users and $500,000 for VIP 4–6 users. There is no additional program fee. The actual decision and amount depend on OKX's review, supporting evidence, the applicable terms and any exclusions. A person identified through KYC may receive no more than one approved claim across OKX entities during their lifetime.

Shield does not turn on automatically. Eligible KYC users must pass account-eligibility and device-health checks, enable a passkey, Large Withdrawal Protection and Web Withdrawal Protection, and set up multi-factor authentication for supported activities. Users then need to accept the program terms and activate Shield.

OKX says the program may cover qualifying unauthorized withdrawals linked to third-party account access, phishing credentials, malware or remote-control attacks, and SIM swaps while Shield is active. Transactions initiated, authorized, confirmed or signed by the user are excluded, even if the user was deceived. Trading or investment losses, losses outside OKX Exchange, losses from disclosed API keys, duplicate reimbursement, negligence and program abuse are also excluded. Every claim is subject to the full terms and OKX's review.