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OKX publishes useful evidence about the assets backing some customer balances, but that evidence does not make an exchange balance risk-free or insured. OKX’s September 2026 Proof of Reserves report lists reserve ratios of at least 100% for the assets it covers. The report is a snapshot, while the legal treatment of your assets depends on your country, product, and the OKX entity governing your account. OKX’s terms say digital assets are not deposits and are not covered by deposit insurance.
What does OKX’s latest proof of reserves show?
OKX’s global Proof of Reserves page labels its latest report as the 47th, dated September 2026. OKX says the report covers $27.4 billion in primary assets and that 22 frequently traded assets had reported reserve ratios above 100%. The ratios below are figures reported by OKX, not independent audit findings.
| Asset | OKX-reported reserve ratio |
|---|---|
| BTC | 109% |
| ETH | 101% |
| USDT | 105% |
| USDC | 100% |
| XRP | 108% |
| DOGE | 101% |
| SOL | 105% |
| OKB | 100% |
These figures are from OKX’s September 2026 report; they apply to the named assets and the report’s snapshot, not automatically to every asset or service. See OKX’s Proof of Reserves page and its announcement of the 47th report.
How OKX describes its verification process
OKX says it compares customer account assets with assets held in its on-chain wallets. Its methodology page describes a zk-STARK verification method alongside a Merkle-tree balance process. The explanation is available on OKX’s Proof of Reserves methodology page.
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What proof of reserves does not prove
A reserve ratio is evidence about specified assets and account liabilities at a particular point in time. It does not establish that OKX will remain solvent, liquid, or operationally secure in the future, that every withdrawal will succeed under all conditions, or that customers will recover their assets in a bankruptcy.
- It is time-limited: OKX describes the report as a snapshot. Assets outside the report’s scope and transactions after capture are not included.
- It has defined coverage: A ratio for one listed asset does not establish the backing of every asset, product, or customer liability.
- It is not established as an independent financial-statement audit: The cited pages provide OKX’s reporting and verification material, not an independent audit opinion on the latest report.
- Some balances may involve third-party custodians: OKX says some reported balances are held by third parties and directs users to those custodians for verification.
For those reasons, a reported ratio above 100% is useful information, but it should not be read as a guarantee of continuous access or legal recovery.
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Is crypto held on OKX insured?
OKX’s general Terms of Service say digital assets are not deposits and are not protected by deposit insurance. The terms also discuss circumstances involving pooled accounts, third-party custody, and recovery affected by an irreconcilable shortfall or a custodian’s insolvency. The exact terms depend on the account’s jurisdiction and contracting entity; the general terms should not be treated as universal for all users.
For U.S. customers, OKX’s U.S. Terms of Service separately state that digital assets are not subject to deposit insurance or securities investor-protection regimes. That is a U.S.-specific statement, not a substitute for checking the terms that apply to an account elsewhere.
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Does OKX’s Security Fund insure customer balances?
No. OKX says its Security Fund is owned by OKX and intended to address counterparty risk from leveraged trading. Its help page states: “The Security Fund is not an insurance policy, a custodial protection fund, or a guarantee against user losses.” The page was updated August 5, 2026; see OKX’s Security Fund explanation.
OKX’s September 2026 announcement says an insurance fund is available only in specific markets. Neither statement means that every customer’s spot holdings are insured.
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Should you keep crypto on OKX or move it to a wallet?
This is a choice between different custody responsibilities, not a simple safe-or-unsafe test. An exchange account uses a service provider to hold and administer assets. With self-custody, you control the keys and take responsibility for securing them and maintaining reliable backups. OKX describes its wallet offering as self-custody on its OKX Protect page.
- Exchange custody may suit you if you need account-based services and accept the platform, custody, operational, and legal risks that come with them.
- Self-custody may suit you if controlling your own keys is more important to you and you can manage key security and recovery without relying on an exchange to do it for you.
A hardware wallet is one optional tool for self-custody, not a guarantee of safety. No particular hardware wallet is endorsed here.
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How to assess your OKX account
- Check the asset against the report. Look for it on OKX’s current Proof of Reserves page; do not assume that a listed ratio covers other assets or products.
- Understand what the snapshot covers. Read the methodology and scope notes on OKX’s verification page, including its explanation of the snapshot and third-party custody.
- Identify the terms and entity governing your account. Use the terms applicable to your location and service rather than assuming that U.S. or UK-facing terms apply everywhere.
- Choose a custody model deliberately. If you move assets to self-custody, make sure you understand how you will protect and back up the keys before transferring them.
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