Introduction to Auto-Invest Crypto
OKX Auto-Invest Crypto is an innovative wealth-building service that allows you to automatically deposit digital assets into OKX's flexible savings program. Earn market-competitive interest rates compounded hourly while maintaining full liquidity - withdraw your funds anytime without lock-in periods. Our robust risk management system ensures secure transactions and asset protection throughout the process.
Asset Utilization
👉 How Auto-Invest Crypto works
Digital assets in the Auto-Invest program are used to facilitate various OKX platform services, creating a sustainable ecosystem for all users.
Participation and Redemption
1. Instant Participation
When you enable Auto-Invest:
- All eligible assets in your funding account automatically join the savings program
- Assets become eligible after 6 hours of inactivity
- Trading accounts and margin assets are excluded from participation
Participation Requirements:
- Available to all users
- Account verification required for specific cryptocurrency APY rewards
Example Workflow:
Buy BTC → 6-hour countdown begins → Convert BTC after 2 hours → Countdown resets
2. Redemption Process
- Instant redemptions available 24/7
- Redeemed assets enter a 6-hour cooldown period
- Assets cannot be reinvested or earn interest during cooldown
3. Program Withdrawal
Disable Auto-Invest via:
- "Earn" tab → "Portfolio" section
- "My Earnings" page
👉 Maximizing your crypto earnings
Once withdrawn, assets won't automatically rejoin savings programs until you manually reactivate the service.
Deposit Limit Rules
| Cryptocurrency | Maximum Deposit Limit |
|---|---|
| BTC | 50 |
| ETH | 1,000 |
| USDT | 5,000,000 |
| XRP | 500,000 |
| DOGE | 10,000,000 |
| DOT | 50,000 |
| SHIB | 100,000,000,000 |
| MATIC | 100,000 |
| (Additional 150+ cryptocurrencies with varying limits) |
Note: Main and sub-accounts share deposit limits. OKX reserves the right to adjust limits based on market conditions.
Interest Rate Mechanism
1. Rate Determination
OKX sets APY based on real-time lending demand, matching users with optimal market rates through automated processes.
2. Interest Calculation
- Interest accrues hourly for matched loans
- Payments distributed in T+1 hours for loans matched at T hour
3. Minimum Balance Requirements
| Price Range (USDT) | Minimum Balance |
|---|---|
| ≥1,000 | 0.0001 |
| 100-999 | 0.001 |
| 10-99 | 0.01 |
| 1-9.99 | 0.1 |
| <1 | 1 |
Rates updated daily at 00:00 UTC+8
Frequently Asked Questions
Q: How often is interest paid?
A: Interest compounds hourly, with payouts distributed the following hour.
Q: Can I withdraw my funds anytime?
A: Yes, Auto-Invest offers full liquidity with instant redemptions, subject to a 6-hour cooldown for reinvestment.
Q: Are there any hidden fees?
A: OKX charges no fees for Auto-Invest participation or redemptions. All displayed APY is net yield.
Q: How does OKX ensure the safety of my assets?
A: We employ multi-layer risk management systems including cold storage, insurance funds, and 24/7 monitoring.
Q: What happens if market rates change?
A: Rates adjust hourly based on market conditions, ensuring you always earn competitive yields.
Q: Can I set custom investment amounts?
A: The program automatically invests eligible balances, but you can control participation by moving funds between accounts.