Can I pay people who don't have an OKX account? Yes, just enter their phone number or email address. If you've imported your contacts, simply search for the recipient’s name, phone number and email address. If the recipient doesn't have an OKX Account, they will need to create one in order to receive the payment. The recipient will need to create an OKX account within 48 hours to claim the funds. If they don’t create an account within 48 hours, the funds will be returned to the sender.8.