What happens to your OKX accounts when you die

OKX Exchange Account (custodial)

The custodial trading account. OKX holds the crypto; fiat balances are held in segregated custodial accounts at third-party banks on trust for OKX users (US Terms §6). There is no beneficiary, POD, or TOD designation, and the account cannot be titled to a trust — US Terms §19.3 says you may not assign any rights under the Terms without OKX's prior written consent and that any attempted transfer or assignment by you is null and void. So the account passes through the estate: OKX releases it only against the documents in its deceased-user procedure, including a court-issued authority document. This is the ONE OKX holding an executor can actually recover.

OKX Earn and Staking balances

Assets a customer has subscribed into OKX Earn or staking products sit inside the custodial account and follow the same estate path as the trading balance — no beneficiary designation, court authority required. They are not always liquid on the day the executor arrives: some positions are term-based or subject to an unstaking/redemption period, so ask the assigned case analyst what is locked, what is redeemable, and on what schedule before instructing OKX what to do with the balance. Crypto prices move during that wait; the estate representative decides whether to have OKX transfer assets in kind or close out the account.

OKX Wallet (self-custody)

A separate, SELF-CUSTODIAL wallet covering 130+ chains. OKX describes it as a "self-managed crypto wallet... you are the only one in control of your assets," secured by seed phrase and private key (https://www.okx.com/en-us/web3). OKX holds no key and no copy of the seed phrase, and its US Terms §1.5 state OKX will never ask you to reveal passwords or keyphrases. That means OKX cannot open, freeze, or release this wallet for an executor, and no death certificate, Letters Testamentary, or court order can force it to. If nobody can reach the key material, the assets are gone — permanently. Anything in the OKX Wallet is outside the deceased-user procedure entirely.