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Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteOKX publishes proof-of-reserves reports, but that evidence does not make an exchange balance risk-free or insured. Its September 2026 report shows OKX-reported reserve ratios of at least 100% for the listed assets it covers; the report is a snapshot, not a guarantee of future withdrawals or recovery in insolvency. Whether holding crypto on OKX is an acceptable risk depends on the asset, the terms and OKX entity governing your account, and whether you prefer exchange custody or control of your own keys.
What does OKX’s latest proof-of-reserves report show?
OKX’s global Proof of Reserves page labels its latest report as the 47th and dates it September 2026. OKX reports $27.4 billion in primary assets and says its reserve ratios were above 100% for 22 frequently traded assets. The selected ratios below are OKX-reported figures for that report, not independently established audit findings.
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| Asset | Reported reserve ratio |
|---|---|
| BTC | 109% |
| ETH | 101% |
| USDT | 105% |
| USDC | 100% |
| XRP | 108% |
| DOGE | 101% |
| SOL | 105% |
| OKB | 100% |
OKX says its proof compares customer account assets with assets held in its on-chain wallets. Its methodology explanation describes a zk-STARK verification method and a Merkle-tree balance process. The report page and methodology are available from OKX’s Proof of Reserves explanation; OKX’s announcement of the 47th report gives the headline figures.
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1Clear out junk files and repair common Windows errors2Scan for outdated or missing drivers - takes under a minute3Repair Windows errors before they cause bigger problemsWhat does proof of reserves establish—and what does it not?
A reserve ratio is evidence about specified assets and account liabilities at a particular snapshot. It is useful for checking what OKX reports for covered assets at that point in time, but it does not establish the exchange’s financial condition at a later date. OKX’s own methodology caveat says assets outside the report’s scope and transactions after capture are not included.
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- It does not promise uninterrupted withdrawals. A snapshot cannot establish that withdrawals will succeed under every later operational or market condition.
- It does not prove that every asset or product is covered. Check whether the asset you hold appears in the report rather than assuming the selected ratios apply to all balances.
- It is not, on the cited pages, an independent financial-statement audit. The materials describe OKX’s own reporting and verification process; they do not establish that the 47th report was independently audited.
- It does not settle insolvency or recovery rights. Those depend on the relevant legal terms and circumstances, not simply on a reserve ratio.
- Some reported balances may be with third-party custodians. OKX says users should contact those custodians for verification.
Is crypto held on OKX insured?
Do not assume that a balance on OKX has the protections of a bank deposit. OKX’s general Terms of Service say digital assets are not deposits and are not protected by deposit insurance. The U.S. Terms of Service separately state that digital assets are not subject to deposit insurance or securities investor protection regimes. These terms are specific to their applicable users and entities; they should not be treated as a universal description of every customer’s legal position.
The terms also describe risks that can matter in a failure, including pooled accounts, third-party custody, and the possibility that recovery could be affected by an irreconcilable shortfall or a custodian’s insolvency. Read the terms applicable to your account and identify the contracting OKX entity before relying on a particular legal protection.
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Does OKX’s Security Fund insure customer holdings?
No. OKX’s Security Fund explanation, updated August 5, 2026, says it is owned by OKX and intended to address counterparty risk from leveraged trading. It states: “The Security Fund is not an insurance policy, a custodial protection fund, or a guarantee against user losses.” OKX’s announcement of the September 2026 reserve report says an insurance fund is available only in specific markets; that does not establish that every customer’s spot holdings are insured.
Should you keep crypto on an exchange or move it to a wallet?
These are different custody arrangements, not a simple safe-versus-unsafe choice. On an exchange, you use an account-based service and depend on the applicable platform, custody arrangements, and terms. With self-custody, you control the keys and take responsibility for protecting them and keeping secure backups. OKX describes its wallet as a self-custody product on its OKX Protect page.
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Before choosing, work through these checks:
- Check the evidence for your asset. Look for the asset in the current reserve report and understand that the ratio applies to a snapshot, not future conditions.
- Check the rules that govern your account. Identify your OKX contracting entity and read its terms for custody, pooling, third-party arrangements, and insolvency treatment.
- Choose the custody responsibility you can manage. Exchange custody avoids personal key management but leaves assets subject to the platform’s risks and terms. Self-custody gives you key control but makes key security and backup your responsibility.
A hardware wallet is one possible self-custody tool, not a guarantee of safety. No particular device is established here as tested or recommended by OKX.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.So, is it safe to hold crypto on OKX?
OKX’s published reserve evidence can help you assess its reported backing for covered assets at a stated point in time. It should not be read as a guarantee against loss, a deposit-insurance promise, or proof that a withdrawal or legal recovery will always be available. Holding crypto on OKX is a risk decision: review the asset coverage and applicable account terms, then decide whether exchange custody or the responsibilities of self-custody better fit your needs.
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