How to Buy USDT and Cryptocurrency on OKX: A Complete 2025 Guide

Purchasing cryptocurrency often starts with buying a stablecoin like USDT (Tether), which offers stability and seamless trading across digital assets. For newcomers and experienced users alike, OKX stands out as one of the most trusted platforms for buying USDT with fiat currency, trading major cryptocurrencies, and even earning through referral programs. This comprehensive guide walks you through the entire process—from registration and verification to buying USDT, becoming an OTC merchant, and unlocking passive income via the OKX affiliate system.

Whether you're looking to make your first crypto purchase or explore ways to earn monthly income through trading or referrals, this step-by-step tutorial ensures a secure and smooth experience on OKX in 2025.

Step 1: Register and Log In to OKX

To get started, create an account on OKX. The platform supports global users and provides multiple access points depending on your region.

👉 Get started securely and unlock exclusive rewards by registering through this verified link.

During registration:

• Use a strong password and enable two-factor authentication (2FA) for enhanced security.
• Consider using an email address dedicated to financial accounts.
• If available, enter an official referral code during sign-up to qualify for bonuses—some users report receiving welcome gifts or blind box rewards worth $1–$20 upon completing initial tasks.

Note: Always avoid third-party links that claim to offer “free coins” or “instant verification.” Only use the official OKX website to prevent phishing scams.

Step 2: Download the OKX App

For convenience and faster transactions, download the official OKX mobile app from the App Store (iOS) or Google Play (Android). Mobile users often gain access to exclusive promotions such as:

• Blind box rewards after first deposit
• Lower trading fees
• Instant notifications for over-the-counter (OTC) trades

Once installed, log in with your registered credentials. The app provides full functionality including spot trading, futures, staking, and peer-to-peer (P2P) transactions.

Step 3: Complete KYC Verification

To comply with international anti-money laundering (AML) regulations and unlock higher withdrawal limits, complete KYC (Know Your Customer) verification:

1. Go to Account Settings > Identity Verification
2. Select your country/region
3. Upload a clear photo of your government-issued ID (e.g., passport, driver’s license)
4. Complete a live selfie verification if prompted

Processing time is typically under 24 hours. Once verified, you can trade larger volumes and participate in advanced features like OTC selling and node referral programs.

Step 4: Deposit Fiat Currency (RMB/CNY)

After verification, deposit fiat money into your OKX account:

1. Navigate to Wallet > Deposit > Fiat
2. Choose CNY or RMB as your currency
3. Select a supported method: bank transfer, Alipay, or WeChat Pay
4. Enter the amount and follow on-screen instructions

Deposits are usually processed instantly. There may be small processing fees depending on the payment gateway.

Step 5: Buy USDT with RMB

With funds in your account, convert RMB to USDT:

1. Go to the Trade section
2. Search for the RMB/USDT trading pair
3. Switch to "Market Buy" for instant execution
4. Enter the amount of RMB you want to exchange
5. Confirm the transaction

The system will automatically calculate the equivalent USDT amount based on real-time rates. Your purchased USDT will appear in your wallet within seconds.

💡 Pro Tip: Start small—try buying just $1–$10 worth of USDT first to test the process before larger investments.

👉 Start trading today and take advantage of low fees and fast execution on OKX.

Step 6: Trade USDT for Other Cryptocurrencies

Once you hold USDT, you can trade it for popular cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), or Dogecoin (DOGE):

1. Visit the Spot Trading page

2. Search for trading pairs such as:

   • BTC/USDT
   • ETH/USDT
   • DOGE/USDT
3. Place a market or limit order based on your preference
4. Confirm and complete the trade

These trades allow you to diversify your portfolio and take advantage of price movements across different digital assets.

How to Earn Passive Income: Become an OTC Merchant

One of the most effective ways to earn steady income on OKX is by becoming an OTC (Over-the-Counter) Merchant, also known as a “U Merchant” or “U Shang.”

Requirements to Become a U Merchant:

• Verified KYC Level 2
• Minimum account age (varies by region)
• At least $10,000 in trading volume (a common threshold)

Steps to Apply:

1. Log in to your OKX account
2. Go to OTC > Become a Merchant
3. Fill out the application form with accurate details
4. Submit required documents and await review

If approved:

• You’ll need to post buy/sell ads at competitive prices
• Deposit a security bond (ensures trust and accountability)
• Start accepting P2P orders from buyers/sellers

As a merchant, you earn profits from bid-ask spreads and enjoy benefits like reduced fees and priority support.

Earn Monthly Income Through Referrals: Join the Node Program

Even if you don’t meet the $10K threshold for being a merchant, you can still earn passive income through OKX’s affiliate and node referral program.

How It Works:

• Share your unique referral link
• Earn commissions when others trade using your link
• Commission rate: up to 40% of trading fees, depending on performance tier
• Earnings are paid daily in USDT

Example Earnings Scenario:

Suppose you refer 5 users, each generating $100,000 in monthly trading volume:

5 × $100,000 × 0.1% fee × 20% commission = $100 monthly income

With more referrals, earnings scale significantly—making it possible to earn over $100 per month even with modest activity.

🔐 Requirement: Your account must be fully verified (KYC completed) to activate node earnings.

Frequently Asked Questions (FAQ)

Q: Is it safe to buy USDT on OKX?
A: Yes. OKX is a top-tier exchange with military-grade encryption, cold wallet storage, and two-factor authentication. All P2P trades are escrow-protected, meaning funds are held securely until both parties confirm completion.

Q: Can I buy crypto directly with RMB?
A: Absolutely. OKX supports direct RMB deposits via Alipay, WeChat Pay, and bank transfers, allowing immediate purchase of USDT and other cryptocurrencies.

Q: Do I need a VPN to access OKX?
A: While some regions may restrict access, OKX offers localized domains and mobile apps that work without third-party tools. Avoid unofficial “VPN-only” links—they may be phishing sites.

Q: How much does it cost to become an OTC merchant?
A: There’s no direct fee, but you must maintain a minimum trading volume and deposit a security bond. Exact amounts depend on your region and application review.

Q: Can I withdraw USDT to a personal wallet?
A: Yes. After KYC, you can transfer USDT to any external wallet using TRC-20, ERC-20, or other supported networks.

Q: Are referral earnings taxable?
A: Tax laws vary by country. Consult a local tax advisor to understand reporting obligations for crypto-related income.

Final Tips for Success on OKX

• Always double-check wallet addresses before sending funds
• Enable login alerts and device management for added security
• Use stop-loss orders when trading volatile assets
• Reinvest referral earnings to compound growth over time

👉 Maximize your potential—start earning today with OKX’s powerful trading and referral tools.

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By following this guide, you’re well-equipped to navigate OKX confidently—whether your goal is secure asset storage, active trading, or building a sustainable income stream in the digital economy.