What happens to your OKX accounts when you die
No beneficiary or trust option on any account, so they pass through the estate
OKX does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All OKX accounts pass through the estate at death and may require probate.
When an account holder dies, the executor or administrator will need to contact OKX with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.
OKX does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.
Why trust accounts are not available
OKX does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death.
OKX Exchange Account (custodial)
The OKX account held with OKX INC. Under US Terms §6, fiat currencies in the account "are directly deposited and held in one or more segregated custodial accounts at one or more duly-registered and licensed third-party banking institutions on trust for the benefit of the OKX users." OKX publishes no payable-on-death, transfer-on-death or beneficiary designation for the account. US Terms §19.3: "You may not assign any rights, obligations and/or licenses granted under these Terms without our prior written consent. Any attempted transfer or assignment by you in violation hereof will be null and void." An individually verified account cannot be converted to corporate verification. On a user's death, OKX's deceased-user procedure applies.
OKX US On-chain Earn (staking)
The OKX US On-chain Earn Service stakes a user's digital assets on third-party staking protocols. Under its User Agreement, "Staked Digital Assets may not be Redeemed until after a period of time has elapsed, depending on the Staking Protocol chosen and market conditions" (§1.4), and Redemption is "the closing of a position in the Service and subsequent return of Staked Digital Assets into a User's account." The agreement names no beneficiary designation.
OKX Wallet (self-custody)
A separate wallet app, advertised as "One crypto wallet, 130+ native chains." OKX states: "OKX Wallet app is a self-managed crypto wallet. This means you are the only one in control of your assets. This means you can recover your crypto from any other wallet that supports your crypto using your private keys." It describes the wallet as secured "by seed phrase, private key, biometric authentication and encryption technology." OKX's deceased-user procedure refers to OKX accounts and does not mention the wallet.
What OKX says about beneficiaries and trusts
Each section is OKX's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary1
- Crypto account
Rights under the OKX US Terms cannot be assigned without OKX's prior written consent. Any attempted transfer or assignment in violation of the Terms is "null and void."1
OKX describes the OKX Wallet app as a self-managed wallet in which the user is the only one in control of the assets.2
Which accounts a trust can hold1
- Crypto account
OKX lists Trust among the institution types it supports for institutional accounts.3
What OKX says about trust accounts1
- Whether a new account is opened
OKX does not convert an individually verified account to a trust. It states: "Accounts that have already completed individual verification can't be converted to corporate verification."5
For corporate verification OKX states: "we recommend creating a new account and applying for corporate verification separately." A trust opens its own institutional account.5
Not in OKX's published guidance2
- What the owner provides to name a beneficiary
- Asset transfer from an individual account to a trust
Sources
Data sourced from OKX primary sources (8 pages reviewed). How we research.
Download these OKX instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against OKX primary sources. Bring it to the branch or keep it beside the phone.
OKX estate support
OKX Support Center
Phone
Website
Estate requests go through general customer service.
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