OKX Money app brings stablecoin savings, transfers, and card spending

OKX has introduced a new standalone app called OKX Money on October 6, 2026. The app is designed for saving, transferring, and spending digital dollars, integrating stablecoin balances, transfers, and card payments into a single consumer-facing service. Eligible users can earn up to 10% annual percentage yield (APY) on their USDG balances without needing to stake or lock up their funds. The app also offers up to 10% cashback on qualifying purchases, though specific conditions for eligibility and qualifying purchases are not detailed.

OKX Money supports USDG, USDC, and USDT, allowing users to hold, transfer, and convert between these stablecoins without conversion fees. The app features free transfers to friends and family on the platform, and users can choose between virtual or physical cards for global spending. OKX claims there are no foreign-exchange fees or conversion markups for purchases in other currencies.

The 10% APY and cashback offers are highlighted as key features, though the terms specify that these are maximum rates, not guaranteed for all users. The app combines several functionalities, including USDG yield, fee-free stablecoin conversions, instant transfers, and card payments, into one comprehensive product for stablecoin management.