How do I earn rewards with my OKX Money balance?

Published on Sep 10, 2026Updated on Sep 11, 20262 min read
This information may not apply to all customers
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Hold USDG in your OKX Money balance and you earn rewards automatically. There's nothing to switch on, and your funds stay in your balance — you can spend, send, or transfer them out at any time.

Your OKX Money balance is always held on X Layer, whichever network you added funds from, so you don't need to move anything to qualify.

Rewards work the same way as USDG rewards in OKX Pay. See How do I access my rewards on Pay? for how rewards accrue, when they're distributed, how they're calculated, and how to pause them.Note that rewards may be changed or discontinued at any time. Refer to the Smart Account Terms for details.

FAQ

1. What rate do I earn?

Your current rate is shown on the Home screen and the Rewards tab.

Your rate depends on your balance and your loyalty level. The higher rate applies to your first $10,000; anything above that earns the standard rate. Refer to Loyalty levels.

The rate can change, so the app is always the figure to rely on.

2. Can I spend my balance while it's earning?

Yes. Nothing is locked. You can pay with your card, pay by QR code, or send it — all of it, if you want.

3. Where do I see my rewards?

The Rewards tab shows your current rate and what you've earned. Each payment also appears in Activity.

4. Do I pay tax on my rewards?

Tax rules differ by country and we're not able to tell you what you owe. If you're unsure, speak to a tax professional in your country.You can view your full transaction history in the Activity tab.