Use your OKX Card. Get €20.

These Terms and Conditions (the Terms) govern the OKX Card UGC Campaign (the Campaign). The Campaign is operated by OKX Europe Limited (OKX, we, us or our).

By submitting a video, you confirm that you have read and agree to these Terms and the Campaign Brief.

1. Campaign

The OKX Card UGC Campaign (the "Campaign") runs from 19 August 2026 to 31 August 2026, inclusive (the "Campaign Period") UTC+1.

The Campaign is available to the first 1,000 approved submissions, subject to these Terms and the applicable Campaign Brief.

To participate, an eligible creator must:

1. make a genuine purchase using their OKX Card during the Campaign Period;
2. create and publish an eligible video on TikTok, Instagram Reels or X during the Campaign Period; and
3. submit the public URL of the video together with their OKX UID through the designated Campaign page by 31 August 2026.

The qualifying purchase, publication and submission must all take place during the Campaign Period. Submitting a video does not guarantee approval or reserve a Reward.

2. Eligibility

To participate, you must:

• be an eligible OKX user who has successfully completed identity verification;
• have a verified country or region of residence within an eligible EEA jurisdiction;
• have an eligible OKX Pay account capable of receiving the Reward; and
• publish the submitted content through a TikTok, Instagram, X account that you own or control and not be prohibited from participating under applicable law, sanctions, the applicable OKX terms or other legal or regulatory restrictions.
• OKX employees are not eligible to participate.
• Existing OKX affiliates and KOLs may participate, provided the submitted content is not already being compensated under another OKX agreement, activation or campaign.
• There is no minimum follower count, view count, like count or engagement requirement.
• A creator may participate using only their own OKX account and UID. A creator must not use multiple accounts or UIDs to obtain or attempt to obtain more than one Reward.

3. Reward

Each eligible creator may receive a maximum of one €20 Reward per Campaign, regardless of the number of videos submitted or platforms on which the content is published.

The Reward will be paid to the creator's eligible OKX Pay account within 30 days of approval.

The Reward will be paid in euro. If operationally necessary and permitted by applicable law, OKX may pay the equivalent in another supported fiat currency or crypto-asset.

If payment cannot be completed because of account restrictions or unmet account requirements, OKX will notify the creator using their registered contact details. The creator will have [30] days from that notice to resolve the issue. If it is not resolved within that period, and payment is not legally or operationally possible, the Reward may be forfeited.

The Reward may be combined with other OKX Card promotions or benefits for which the creator is independently eligible, unless otherwise stated.

The Reward is compensation for an approved UGC submission. It is not reimbursement for the qualifying purchase.

4. Qualifying purchase

The video must relate to a genuine, completed purchase made using the creator's OKX Card during the Campaign Period..

In-store and online purchases may qualify. Use of the virtual OKX Card, including through Apple Pay or Google Pay where supported, may qualify.

There is no minimum purchase amount.

Cash withdrawals, transfers, refunded or reversed transactions, cash-equivalent transactions, and transactions that are ineligible under the applicable OKX Card terms do not qualify.

The creator chooses and pays for the purchase at their own expense. The purchase remains subject to the applicable OKX Card terms.

OKX may use the creator's UID and the minimum account and transaction information reasonably necessary to verify that the qualifying transaction occurred, as described in the Campaign Privacy Notice.

5. Video requirements

The submitted video must:

• be published as a TikTok video, Instagram Reels of X;
• clearly demonstrate the creator's genuine OKX Card purchase experience;
• be original content created by the participating creator;
• be reasonably clear and viewable;
• comply with these Terms and the applicable Campaign Brief;
• tag or mention the OKX_official (instagram), @okx (TikTok/X), or another OKX account specified in the Campaign Brief;
• include the required advertising disclosure and any mandatory campaign wording; and
• remain publicly accessible as required under these Terms.

The creator may appear on camera, but this is not required. POV, hands-only and product-focused content may also qualify.

There is no mandatory minimum or maximum video duration. The recommended duration is 10–30 seconds.

No spoken audio is required. Videos may use on-camera speech, voiceover, text overlays or a combination of formats. Content may be created in English or a local language of an eligible jurisdiction, provided all mandatory disclosures are made in wording readily understood in that language.

6. Demonstrating the Card experience

The video must reasonably demonstrate a genuine purchase using the OKX Card. Creators may do this by showing the real-world or online purchase experience and/or the relevant transaction within the OKX app.

Creators are strongly encouraged, but not required, to show cashback actually received in connection with the qualifying transaction.

Any cashback, Boosted Cashback, Free Subscription or other OKX benefit shown or discussed must reflect the creator's genuine experience. The creator must not state or imply that the same benefit, rate or amount applies to every user or transaction.

Creators must not expose Card numbers, security codes, account credentials, personal identifiers or other sensitive account, security or payment information.

7. Campaign messaging and advertising compliance

The submitted content is advertising because the creator may receive a Reward from OKX. Each submitted post must clearly and prominently disclose that commercial relationship.

Unless the Campaign Brief specifies a stricter local requirement, the creator must:

• include “Advertisement”, “Advertising”, “#ad”, or an equally clear local-language equivalent approved in the Campaign Brief;
• place the written disclosure at the beginning of the caption, before any “more” or truncation point;
• display the disclosure on the first screen of the video in a size, colour and position that are readily noticeable and readable;
• keep the on-screen disclosure visible long enough for an ordinary viewer to read it;
• use the platform's paid-partnership or branded-content tool where available; and
• apply the disclosure separately to every Campaign post.
• A brand tag, verbal disclosure alone, a disclosure only in the creator's profile, or vague terms such as “collaboration”, “partner” or “gifted” are not sufficient.
• Creators must comply with any additional disclosure requirement in the Campaign Brief or under the laws, advertising codes and platform rules applicable to them.

Statements about OKX Card features, fees, cashback, rewards, subscriptions or other product benefits must be truthful, substantiated by the creator's experience and consistent with the claims and wording permitted in the Campaign Brief.

Creators must not:

• make false, misleading or unsubstantiated claims;
• promise or imply guaranteed financial or investment returns;
• present the content as financial or investment advice;
• make false or unsubstantiated comparisons with banks, crypto cards or competing products; or
• make an objective comparative claim or directly name a competitor unless the Campaign Brief expressly permits it.

Creators may express genuine personal opinions, provided they do not present subjective opinions as objective facts.

8. Boosted Cashback and Free Subscriptions

Boosted Cashback and Free Subscriptions may be featured where they genuinely apply to the creator. Featuring either benefit is not required to qualify for the Reward.

A creator who discusses either benefit must accurately describe their own experience and use the approved wording and any disclaimer specified in the Campaign Brief.

Eligibility for those benefits is separate from eligibility for the Campaign.

9. Originality, AI and third-party rights

Submitted content must be original and created by the participating creator.

AI-assisted editing is permitted. Substantially AI-generated or synthetic creator content—including synthetic avatars, cloned voices and fabricated testimonials—is not eligible.

The creator must have all rights and permissions necessary to create, publish and grant the licence in section 15 for every element of the video, including music, footage, images, trade marks and appearances by other people.

Music or audio licensed only for use within TikTok, Instagram, X or a personal/non-commercial account may not be suitable for OKX's reuse. On request, the creator must provide a version containing commercially reusable audio or a clean version without restricted audio. OKX may mute or replace audio when reasonably necessary for an authorised use, provided this does not materially misrepresent the creator or their message.

10. Content standards

Content must not:

• contain illegal, hateful, discriminatory, sexually explicit, violent or otherwise inappropriate material;
• promote restricted or unlawful activities;
• infringe another person's intellectual-property, privacy, publicity or other rights;
• depict unsafe or irresponsible use of the OKX Card or OKX services; or
• materially breach these Terms, the Campaign Brief, applicable law, applicable advertising rules or the platform's rules.

OKX may reject content that breaches these Terms. Where reasonably possible, OKX will identify a remediable issue so the creator may correct and resubmit the content under these Terms

11. Public profile and availability

The creator's profile and submitted video must be publicly accessible from submission until 30 days after approval. The video must be viewable without requiring OKX to follow the creator.

If OKX cannot access the content during review, the submission cannot be approved.

If approved content is deleted, made private or otherwise becomes inaccessible during the required 30-day period for reasons within the creator's control, the creator may lose eligibility for an unpaid Reward.

OKX will not seek repayment solely because approved content becomes unavailable after the Reward has been paid.

After the 30-day period, the creator may delete, archive, make private or edit the original social-media post. This does not terminate a content licence validly granted to OKX under these Terms.

12. Submission, review and resubmission

Creators may submit more than one video during the Campaign Period, but only one submission per creator and UID may be approved for a Reward.

OKX aims to review a complete submission within 10 business days.

Approval will be based on:

• compliance with these Terms and the Campaign Brief;
• demonstration of a genuine OKX Card purchase experience;
• reasonable technical clarity and accessibility;
• compliance with applicable legal, advertising and brand-safety requirements; and
• successful verification of eligibility and the qualifying transaction.

Creative quality, follower count, views and engagement are not conditions for receiving the Reward.

OKX will notify the creator whether the submission has been approved or rejected. Where reasonably possible, a rejection notice will state the principal reason.

If a submission is rejected for a remediable reason, the creator may correct the issue and resubmit before the end of the Campaign Period, provided the Campaign remains open. A resubmission does not reserve a Reward or retain the priority of the earlier submission.

13. Campaign limit

Rewards are available to the first 1,000 approved submissions.

Approval order—not initial submission order—determines eligibility. If two approvals are recorded at the same time, priority will be given to the earlier complete submission.

Submissions made before the Campaign deadline may be reviewed and approved after 31 August 2026, subject to the 1,000-approval limit.

OKX will update the Campaign page as soon as reasonably practicable when the allocation has been exhausted. Submissions received before that update are not guaranteed approval or a Reward.

14. Fraud and abuse

OKX may reject or disqualify submissions involving:

• duplicate or recycled entries in the Campaign;
• plagiarised or stolen content;
• use of multiple accounts or UIDs to circumvent the one-Reward limit;
• impersonation or submission of content through an account the participant does not own or control;
• bots or manipulation of the submission, approval or payment process;
• false eligibility or transaction information; or
• other conduct reasonably determined to be fraudulent or intended to defeat these Terms.

Artificial engagement does not determine eligibility because the Campaign has no performance requirement. OKX may nevertheless consider fraudulent or manipulated engagement when assessing fraud or eligibility for future creator opportunities.

Where permitted by law, OKX may withhold or recover a Reward obtained through fraud, material misrepresentation or deliberate abuse of the Campaign.

15. Content licence

The creator retains ownership of their submitted content.

Upon approval, the creator grants OKX a non-exclusive, worldwide, royalty-free licence for 12 months from the approval date to use, reproduce and repost the approved content on OKX-owned social-media accounts, websites, apps and other OKX-owned digital channels for organic, including paid purposes connected with OKX Card and the Campaign.

OKX may permit its affiliates and service providers to exercise the licence solely on OKX's behalf and for the permitted purposes.

OKX may crop, resize, reformat, subtitle, translate, mute or replace restricted audio, and make other reasonable technical adaptations, provided the adaptation does not materially misrepresent the creator or their message.

The licence includes use of the creator's social-media handle, display name, image, likeness and voice only where they form part of, or are reasonably used to identify, the approved content. It does not grant OKX a standalone right to use the creator's identity in an unrelated campaign.

After the 12-month licence period, OKX will not newly publish the content and will cease active campaign use. Archival copies may be retained where reasonably required for legal, compliance or recordkeeping purposes.

17. Creator Network

Participation in the Campaign does not require the creator to join an ongoing creator programme.

Creators may separately opt in to receive information about future OKX creator campaigns and opportunities. Any consent request must be optional, specific and separate from acceptance of these Terms, and must not use a pre-selected checkbox.

Declining or withdrawing that consent does not affect eligibility for the Campaign or the Reward. The creator may unsubscribe at any time using the method stated in the relevant message or privacy notice.

18. Privacy

OKX will process personal data for the Campaign as described in the Campaign Privacy Notice available at here, which must be presented to creators at the point of submission.

Campaign data may include the creator's UID, contact and eligibility information, submitted social-media URL, public profile identifiers and content, relevant transaction-verification information, review records, payment information and communications with OKX.

This information may be used to administer the Campaign, verify eligibility and the qualifying transaction, review submissions, process Rewards, handle questions and disputes, comply with legal obligations, and detect or prevent fraud and abuse.

The Campaign Privacy Notice will identify the controller, purposes and legal bases, data categories, recipients, international-transfer safeguards, retention periods, participant rights, and the relevant privacy contact or data-protection officer.

Information used for future creator opportunities will be processed only where the creator separately opts in or another lawful basis applies, as explained in the relevant privacy notice.

19. Campaign changes

OKX may modify, suspend or terminate the Campaign where reasonably necessary because of a legal or regulatory requirement, actual or suspected fraud or abuse, a material technical issue, or circumstances outside OKX's reasonable control.

OKX will publish material changes on the Campaign page and, where reasonably practicable, notify affected participants directly.

Except where payment would be unlawful or an approval was obtained through fraud or material misrepresentation, a change, suspension or termination will not affect a Reward already approved.

Where reasonably practicable and lawful, OKX will continue reviewing valid submissions made before a suspension or termination. Material changes will apply prospectively and will not be used to disqualify content that complied with the Terms in force when it was submitted.

20. Questions and disputes

A creator who believes an eligibility, approval or payment decision was made in error may request a review within 30 days after receiving the decision. The request should identify the submission and explain the alleged error. OKX will arrange a review by a person not responsible for the original decision and aims to respond within 15 business days.

OKX will determine eligibility and approval in accordance with these Terms and the applicable Campaign Brief.

Creators who believe a decision was made in error may contact OKX Support and request a review.

21. Applicable OKX terms

These Terms supplement the applicable OKX EEA Terms of Service, OKX Card terms and Privacy Notice.

If there is an inconsistency:

1. these Terms govern participation in the Campaign, approval and payment of the Reward;
2. the Campaign Brief governs creative direction, approved product claims, mandatory campaign wording and platform-specific instructions, provided it does not reduce a right expressly granted by these Terms;
3. the applicable OKX Card terms govern use of the OKX Card and the qualifying transaction; and
4. the applicable Privacy Notice governs the processing of personal data.

These Terms are governed by the laws of Malta.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.