OKX Card Growth Referral Program — Terms and Conditions

1.1. The OKX Card Referral Program (“Program”) is a promotional campaign organized by OKX (“OKX”, “we”, “us”, or “our”) to reward eligible users for referring new users to obtain and use the OKX Card. 1.2. Participation in the Program constitutes acceptance of these Terms and Conditions (“Terms”), the OKX User Agreement, Privacy Policy, and any applicable product-specific terms. 1.3. This Program does not constitute financial advice, investment solicitation, or a guarantee of returns.

For the purposes of these Terms:

• Inviter means an existing OKX user who shares a valid referral link or code.

• Invitee means a new OKX user who registers through the Inviter’s referral link or code.

• Successful Referral means a referral that meets all eligibility criteria described in Section 6.

• Cycle means a fixed two-week reward calculation period determined solely by OKX.

• USDG Reward means promotional rewards distributed in USDG or an equivalent value at OKX’s discretion.

3.1. The Program is available only to users located in jurisdictions where the OKX Card is supported and legally permitted.

3.2. To participate, users must:

• Maintain an active OKX account in good standing.

• Successfully complete identity verification (KYC) as required by OKX.

• Comply with all applicable laws, regulations, and OKX policies.

3.3. Invitees must be OKX card users.

3.4. Employees of OKX or affiliated entities may be excluded at OKX’s discretion.

4.1. Inviters may refer multiple Invitees during the Program period.

4.2. Each Invitee must register using a valid referral link or referral code provided by the Inviter.

4.3. A referral will only be attributed to the Inviter if all requirements are satisfied within the specified timeframe.

5.1 Inviter Rewards

• The Inviter will receive 5 USDG for each Successful Referral.

• Inviter rewards are capped at 25 USDG per two-week Cycle.

5.2 Invitee Rewards

• Each Invitee will receive 5 USDG upon completion of the Successful Referral requirements.

5.3 Rewards may be adjusted, substituted, or distributed in equivalent value at OKX’s sole discretion.

A referral shall qualify as a Successful Referral only when the Invitee completes all of the following:

6.1. All qualifying transactions must be fully settled and not cancelled, reversed, or refunded.

6.3. Transactions must occur within the applicable two-week Cycle to be counted for reward calculation.

6.4. OKX reserves sole discretion to determine whether a referral meets the Successful Referral criteria.

7.1. Rewards will be credited to eligible users’ OKX Pay accounts after internal review and verification.

7.2. Distribution timelines may vary depending on settlement status, compliance review, or operational factors.

7.3. Rewards may be subject to additional holding periods, product terms, or withdrawal conditions as communicated by OKX.

8.1. Users must not:

• Create multiple or fraudulent accounts.

• Engage in self-referrals.

• Conduct artificial or abusive transactions solely to obtain rewards.

• Use stolen payment methods or unauthorized funds.

8.2. OKX reserves the right to suspend participation, revoke rewards, or take further action if prohibited conduct is detected.

9.1. OKX may perform risk monitoring, AML checks, and compliance reviews at any time.

9.2. OKX may disqualify users or cancel rewards where activity appears suspicious, non-commercial, or inconsistent with the intended purpose of the Program.

10.1. OKX reserves the right to modify, suspend, or terminate the Program at any time without prior notice.

10.2. OKX may amend these Terms, and continued participation constitutes acceptance of the updated Terms.

To the maximum extent permitted by law, OKX shall not be liable for any losses, damages, or claims arising from participation in the Program, including delays, technical issues, or interruptions beyond OKX’s reasonable control.

OKX reserves the right of final interpretation of these Terms and any disputes arising in connection with the Program.