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

Previous 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 usersUpdated VIP rules and Dual Investment APR OKX VIP level Dual Investment APR VIP 1 - 4 Boosted VIP APR compared to non-VIP users VIP 5 - 9 Top VIP APR compared to VIP 1 to VIP 4 users To learn more about your current VIP level and VIP program rules, please visit My trading fees.

Starting at 08:00 am UTC on April 2, 2026, the interest-free period for VIP Loan repayments will be extended from 3 days (72 hours) to 5 days (120 hours). As VIP Loan borrowers, if you repay the loan more than 120 hours before maturity, you will be charged an extra prepayment fee equivalent to 100% of the residual interest. If you repay in the last 120 hours before maturity, remaining interest for the number of full hours until maturity won’t be charged.

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

0.0360% 0.0150% 0.0360% VIP 3 2,500,001 - 6,250,000 or 62,500,001 - 250,000,000 0.010% 0.028% 0.010% 0.028% VIP 4 6,250,001 - 25,000,000 or 250,000,001 - 750,000,000 0.008% 0.027% 0.008% 0.027% VIP 5 25,000,001 - 62,500,000 or 750,000,001 - 1,250,000,000 0.005% 0.026% 0.005% 0.026% VIP 6 62,500,001 - 125,000,000 or 1,250,000,001 - 1,500,000,000 0.000% 0.025% 0.000% 0.025% VIP 7 125,000,001 - 320,000,000 or 1,500,000,001 - 2,500,000,000 -0.002% 0.020% -0.005% 0.025% VIP 8 320,000,001 - 625,000,000

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

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

Please see the new fees below: Tier Assets (SGD) / 30-day trading volume (SGD) Maker fee Taker fee Reg 0 - 20,000 / 0 - 100,000 0.100% 0.200% VIP 1 20,001 - 50,000 / 100,001 - 250,000 0.090% 0.150% VIP 2 50,001 - 100,000 / 250,001 - 1,000,000 0.080% 0.150% VIP 3 100,001 - 250,000 / 1,000,001 - 6,250,000 0.070% 0.125% VIP 4 250,001 - 625,000 / 6,250,0001 - 12,500,000 0.050% 0.100% VIP 5 625,001 - 2,500,000 / 12,500,001 - 25,000,000 0.045% 0.050% VIP 6 2,500,001 - 6,250,000 / 25,000,001 - 125,000,000

0.025% 0.030% VIP 3 2,500,001 - 6,250,000 or 12,500,001 - 32,000,000 0.020% 0.030% VIP 4 6,250,001 - 25,000,000 or 32,000,001 - 62,500,000 0.020% 0.025% VIP 5 25,000,001 - 62,500,000 or 62,500,001 - 125,000,000 0.015% 0.020% VIP 6 62,500,001 - 125,000,000 or 125,000,001 - 1,800,000,000 0.010% 0.020% VIP 7 125,000,001 - 320,000,000 or 1,800,000,001 - 2,500,000,000 -0.005% 0.015% VIP 8 320,000,001 - 625,000,000 or 2,500,000,001 - 25,000,000,000 -0.010% 0.015% VIP 9 625,000,000+ or 25,000,000,000+

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

0.030% 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

Additional VIP Tier 9 We're introducing a new VIP Tier 9.

Below are some effective options:Increase your assets or trading volume If you're a high-frequency trader or an institutional user, you may qualify for VIP status by meeting certain asset or trading volume requirements. You can apply for VIP status if you meet either of the following conditions: Maintain account assets of 100,000 USD or more, or Reach a total trading volume of 1,000,000 USD or more in the past 30 days. After upgrading to VIP status, you can enjoy lower, preferential fee rates.