VIP Loan and Risk Unit Creation

What is VIP Loan and where can I learn more about it?

VIP Loan is an institutional lending product offered by OKX. For more information, visit here.

How do I apply for VIP Loan?

Visit here or find the entrance in the Institutional dropdown on OKX. Tap Apply now and complete the questionnaire with your basic information, asset, trading behaviors, and risk performance data.

How long does the VIP Loan application review take?

OKX will review your application and respond within one week. If additional information is needed, our team may contact you through the BD/AM teams. You can track your application progress on the VIP Loan page.

What happens after my VIP Loan application is approved or rejected?

If approved, you can proceed to set up a risk unit. (see “Creating a Risk Unit” section below).

If unsuccessful, it means some criteria were not met and you will need to reapply at a later time.

What is a risk unit?

A risk unit is a grouping of accounts used to manage VIP Loan collateral, borrowing, repayment, and rollovers. A risk unit is required to use VIP Loan.

For more details, read Forced Loan Repayment, Credit Line Liquidation and Risk Unit Terms and Conditions

How do I access the risk unit portal after my application is approved?

You will be prompted to set up a risk unit on the VIP Loan landing page.

Alternatively, open the Institutional dropdown in the navigation bar. Note that the risk unit portal entry point is only visible to verified accounts.

What are the fields I need to fill in when creating a normal risk unit?

Risk unit nickname: 1–25 characters; letters, numbers, and underscores only.

Delegate UID: A main or sub-account authorized to manage loan operations (borrow, repay, rollover). This account is automatically included in the risk unit.

Sub-account UID: Select other accounts to be added to the risk unit.

Automatically add new sub-accounts: Optionally auto-include newly created sub-accounts. Only one active risk unit can have this setting enabled. Not supported if the delegate account is an MSA.

Bulk import: Upload an .xlsx, .xls, or .csv file (max 2 MB) with sub-account UIDs in the first column (excluding the delegate UID).

Email alerts: Email addresses to receive risk alerts. The delegate account's email is included by default.

What types of accounts can and cannot be added to a risk unit?

Supported:

• Standard sub-accounts

• MSA sub-accounts

Not supported:

• DMA broker sub-accounts and custody sub-accounts

• Accounts already included in another risk unit

• Accounts with open positions in virtual accounts (trading bots, structured products) or copy trading

What is an MSA risk unit and how is it different from a normal risk unit?

An MSA risk unit is designed for institutional asset management scenarios where a delegator delegates a trading team to manage loan operations on their behalf. Unlike a normal risk unit, all accounts in an MSA risk unit must be MSA accounts bound to the same trading team as the delegate account.

What conditions must be met before creating an MSA risk unit?

Before creating an MSA risk unit, both of the following conditions must be met:

• The delegator must have opened an MSA account and successfully delegated it to a trading team.

• The trading team must have obtained prior authorization from the delegator to operate the loan process on their behalf.
  

What are the fields for creating an MSA risk unit?

Risk unit nickname: Same rules as a normal risk unit (1–25 characters; letters, numbers, underscores).

Delegate UID: The delegator selects an MSA account bound to the trading team to act as the delegate for VIP Loan operations.

Sub-account UID: Additional MSA accounts bound to the same trading team as delegated UID.

Automatically add new sub-accounts: Not supported for MSA risk units.

Bulk import: Same file format as normal risk units (.xlsx, .xls, or .csv, max 2 MB), excluding the delegate UID.

Email alerts: Recommended to include both the delegator's and the trading team's email addresses to ensure information is synchronized.

How do I edit an existing risk unit?

Go to the risk unit portal, select the risk unit you want to edit, and tap Edit

Note: the delegate UID cannot be changed after the risk unit has been created. The margin ratio (MR) shown on the edit page is an estimate based on the selected accounts.

What are the permissions for different account types in a risk unit?

Main account: Can create new risk units and edit existing ones (change sub-accounts, rename, manage alert settings, toggle auto-add for new sub-accounts).

Delegate account: Can view all risk unit information and perform loan operations (borrow, repay, rollover).

Sub-accounts within the risk unit: Can view all risk unit information, but cannot perform loan operations.

Sub-accounts outside the risk unit: No access to the portal.

What is collateral in the context of a risk unit?

Available collateral: The total asset value (in USD) of all accounts in the risk unit.

Discounted collateral: The adjusted asset value (in USD) after applying applicable discounts.

What do I do after setting up a risk unit?

Once your risk unit is set up, you can proceed to the VIP Loan page to apply for a loan.