OKX Pay: Smart Accounts, Stablecoin-Schienen und was zu beachten ist

OKX dringt mit OKX Pay, einem Smart-Account-gestützten Modus, der in der Haupt-OKX-App integriert ist, stillschweigend tiefer in den Bereich der Verbraucherzahlungen vor. Im Folgenden finden Sie eine prägnante, forschungsbasierte Zusammenfassung dessen, was das Produkt ist, wie es funktioniert, welche Infrastruktur es nutzt, den Compliance-Kontext und die wichtigsten Fragen, die Sie auf Ihrer Due-Diligence-Checkliste behalten sollten.

TL;DR

• Was es ist: Ein Zahlungsmodus im Self-Custody-Stil für verifizierte Benutzer, der es ihnen ermöglicht, USDC und USDT mit null Benutzergebühren auf X Layer, dem von OKX betriebenen Polygon CDK Layer 2, zu senden oder zu empfangen. Er basiert auf einem Smart-Contract „Smart Account“, der mit Passkeys gesichert ist, während OKX On-Chain-Aktionen mitunterzeichnet, um Überweisungen abzuschließen.
• Aktueller Umfang: OKX positioniert Pay für P2P- und soziale Zahlungen von Verbrauchern über Kontakte, Geschenkflüsse und teilbare Zahlungslinks. Die Akzeptanz durch Händler ist ausdrücklich ausgeschlossen, es sei denn, OKX erteilt eine Genehmigung. Daher wird erwartet, dass die Händlerreichweite über die kommende OKX Card und Mastercards Stablecoin-Funktionen erfolgen wird.
• Infrastruktur & Assets: Pay nutzt standardmäßig X Layer (OKB-Gas), und Benutzer können Gelder mit Convert to Pay von Ethereum, TRON, Arbitrum, Base, Avalanche oder Optimism in USDC/USDT auf X Layer überbrücken.
• Kosten & Belohnungen: P2P-Überweisungen auf X Layer werden als gebührenfrei beworben; die Konvertierung von externen Chains verbraucht weiterhin das native Gas dieser Chain. Stablecoin-Guthaben können täglich anfallende, monatlich ausgezahlte Belohnungen verdienen, obwohl die Raten variieren und OKX diese pausieren oder ändern kann.
• Verfügbarkeit & Risiko: Der Zugang erfordert ein OKX-Konto plus KYC, und Pay ist nicht in jeder Gerichtsbarkeit verfügbar. OKXs Schuldgeständnis in den USA wegen AML-Verstößen im Februar 2025 stellt es bis 2027 unter einen unabhängigen Beobachter, eine wichtige Compliance-Überlegung für amerikanische Strategien.

Produktübersicht

Benutzerfluss

• Wechseln Sie die mobile App in den Pay-Modus und senden Sie dann Werte per Name, Telefon, E-Mail, QR-Code oder Zahlungslink. Nicht beanspruchte Zahlungen werden nach 48 Stunden automatisch zurückerstattet.
• Convert to Pay zieht Assets von mehreren EVM- und TRON-Netzwerken in X Layer Stablecoins. Konvertierungen, die innerhalb von X Layer bleiben, erhalten ihre Gasgebühren von OKX übernommen.

Sicherheits- und Custody-Modell

• Pay basiert auf einem Smart Account, einer Smart-Contract-Wallet, bei der jede Transaktion Signaturen vom Benutzer und von OKX benötigt. Assets werden als „nicht direkt von OKX verwaltet oder gehostet“ beworben, aber die Anforderung der Mitunterzeichnung macht Pay effektiv semi-custodial.
• Benutzer authentifizieren sich mit Passkeys, die in iCloud oder Google Password Manager gespeichert sind. ZK-Email unterstützt Passkey-Resets (außer auf TRON), und jede Chain kann bis zu drei Passkeys speichern.

Assets und Netzwerke

• Pay unterstützt derzeit USDC und USDT, wobei OKX andeutet, dass weitere Stablecoins auf der Roadmap stehen.
• On-Chain-Senden und -Empfangen funktioniert über X Layer, Ethereum, TRON „und viele andere Netzwerke“, aber das Pay-Erlebnis ist für X Layer optimiert.

Gebühren, Limits und Belohnungen

• OKX bewirbt keine zusätzlichen Gebühren für P2P-Stablecoin-Überweisungen auf X Layer. Das Verschieben von Geldern aus anderen Netzwerken erfordert weiterhin die Zahlung des Gas dieser Netzwerke.
• Interne Überweisungen und Einzahlungen sind kostenlos, während On-Chain-Abhebungen normale Netzwerk-Gasgebühren verursachen.
• Stablecoin-Guthaben innerhalb von Pay können in Smart Savings eingehen, wo Belohnungen täglich anfallen und monatlich ausgezahlt werden; OKX kann das Programm nach Belieben ändern, pausieren oder beenden, und eine Identitätsprüfung ist zur Teilnahme erforderlich.

Messaging und soziale Ebene

• Pay integriert Chat- und Geschenkfluss-Funktionen, um soziale Trinkgelder und gelegentliche P2P-Anwendungsfälle zu betonen.

Infrastruktur & Ökosystem: X Layer

• X Layer ist OKXs Ethereum Layer 2, das auf Polygon CDK basiert. Ein Upgrade im August 2025 erhöhte den Durchsatz auf ~5.000 TPS und verlagerte das Gas-Token auf OKB, während es nahezu null Gasgebühren für Pay subventionierte.
• X Layer ist direkt mit der OKX Wallet und der zentralisierten Börse verbunden und ermöglicht Funktionen wie „0-Gas-Schnellabhebungs“-Infrastrukturen, die Pays Infrastruktur wiederverwenden.

Händlerreichweite (Jetzt vs. Nächstes)

• Heute: Die Bedingungen von OKX Pay verbieten ausdrücklich Business-to-Business- oder Händlertransaktionen, es sei denn, OKX autorisiert diese, wodurch Pay vorerst als P2P-Funktion für Verbraucher fest etabliert ist.
• Kurzfristig: Die Händlerreichweite wird voraussichtlich über die OKX Card in Partnerschaft mit Mastercard erfolgen, die End-to-End-Stablecoin-Akzeptanzfunktionen einführt, damit Wallets bei traditionellen Händlern ausgeben können.

Verfügbarkeit, KYC und Compliance

• Die Aktivierung von Pay erfordert ein OKX-Konto und eine abgeschlossene KYC, und Empfänger müssen ebenfalls ihre Identität verifizieren, um Gelder zu erhalten.
• OKX weist darauf hin, dass Pay nicht in jeder Gerichtsbarkeit angeboten wird und eine Liste der eingeschränkten Regionen führt.
• Compliance-Beobachter sollten OKXs Schuldgeständnis im Februar 2025 in den Vereinigten Staaten wegen AML-Verstößen beachten. Die Einigung umfasste etwa 505 Millionen US-Dollar an Strafen und einen unabhängigen Beobachter bis Februar 2027. Umgekehrt hat OKX die grundsätzliche Genehmigung der MAS in Singapur für eine Zahlungslizenz erhalten und unterstützt nun sofortige SGD-Überweisungen über DBS-Infrastrukturen.

Wettbewerbsübersicht (Zahlungen)

| Funktion | OKX Pay | Binance Pay | Bybit Pay | Coinbase Payments / Commerce | | :-------------------------------- | 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---
title: "OKX Pay: Smart Accounts, Stablecoin-Schienen und was zu beachten ist"
tags: [OKX, Stablecoins, Zahlungen, Smart Accounts, X Layer]
keywords: [OKX Pay, Smart Account, X Layer, Stablecoin-Zahlungen, Mastercard-Partnerschaft]
description: "Ein Leitfaden im Forscherstil zu OKX Pay, der die Funktionsweise des Smart-Account-Zahlungsmodus heute, seine Gebühren- und Belohnungsstruktur, Compliance-Überlegungen und die nächsten Schritte zur Überwachung behandelt."
authors: [dora]
image: "https://opengraph-image.blockeden.xyz/api/og-blockeden-xyz?title=OKX%20Pay%3A%20Smart%20Accounts%2C%20Stablecoin-Schienen%20und%20was%20zu%20beachten%20ist"
---

# OKX Pay: Smart Accounts, Stablecoin-Schienen und was zu beachten ist

OKX dringt mit **OKX Pay**, einem Smart-Account-gestützten Modus, der in der Haupt-OKX-App integriert ist, stillschweigend tiefer in den Bereich der Verbraucherzahlungen vor. Im Folgenden finden Sie eine prägnante, forschungsbasierte Zusammenfassung dessen, was das Produkt ist, wie es funktioniert, welche Infrastruktur es nutzt, den Compliance-Kontext und die wichtigsten Fragen, die Sie auf Ihrer Due-Diligence-Checkliste behalten sollten.

## TL;DR

-   **Was es ist:** Ein **Zahlungsmodus im Self-Custody-Stil** für verifizierte Benutzer, der es ihnen ermöglicht, **USDC und USDT** mit **null Benutzergebühren** auf **X Layer**, dem von OKX betriebenen Polygon CDK Layer 2, zu senden oder zu empfangen. Er basiert auf einem **Smart-Contract „Smart Account“**, der mit **Passkeys** gesichert ist, während OKX On-Chain-Aktionen **mitunterzeichnet**, um Überweisungen abzuschließen.
-   **Aktueller Umfang:** OKX positioniert Pay für **P2P- und soziale Zahlungen von Verbrauchern** über Kontakte, Geschenkflüsse und teilbare Zahlungslinks. Die Akzeptanz durch Händler ist ausdrücklich ausgeschlossen, es sei denn, OKX erteilt eine Genehmigung. Daher wird erwartet, dass die Händlerreichweite über die kommende **OKX Card** und **Mastercards Stablecoin-Funktionen** erfolgen wird.
-   **Infrastruktur & Assets:** Pay nutzt standardmäßig **X Layer** (OKB-Gas), und Benutzer können Gelder mit **Convert to Pay** von Ethereum, TRON, Arbitrum, Base, Avalanche oder Optimism in USDC/USDT auf X Layer überbrücken.
-   **Kosten & Belohnungen:** P2P-Überweisungen auf X Layer werden **als gebührenfrei beworben**; die Konvertierung von externen Chains verbraucht weiterhin das native Gas dieser Chain. Stablecoin-Guthaben können **täglich anfallende, monatlich ausgezahlte Belohnungen** verdienen, obwohl die Raten variieren und OKX diese pausieren oder ändern kann.
-   **Verfügbarkeit & Risiko:** Der Zugang erfordert ein **OKX-Konto plus KYC**, und Pay ist nicht in jeder Gerichtsbarkeit verfügbar. OKXs **Schuldgeständnis in den USA wegen AML-Verstößen** im Februar 2025 stellt es bis 2027 unter einen unabhängigen Beobachter, eine wichtige Compliance-Überlegung für amerikanische Strategien.

## Produktübersicht

### Benutzerfluss

-   Wechseln Sie die mobile App in den **Pay-Modus** und senden Sie dann Werte per **Name, Telefon, E-Mail, QR-Code oder Zahlungslink**. Nicht beanspruchte Zahlungen werden nach **48 Stunden** automatisch zurückerstattet.
-   **Convert to Pay** zieht Assets von mehreren EVM- und TRON-Netzwerken in X Layer Stablecoins. Konvertierungen, die innerhalb von X Layer bleiben, erhalten ihre Gasgebühren von OKX übernommen.

### Sicherheits- und Custody-Modell

-   Pay basiert auf einem **Smart Account**, einer Smart-Contract-Wallet, bei der jede Transaktion Signaturen vom Benutzer **und** von OKX benötigt. Assets werden als „nicht direkt von OKX verwaltet oder gehostet“ beworben, aber die Anforderung der Mitunterzeichnung macht Pay effektiv semi-custodial.
-   Benutzer authentifizieren sich mit **Passkeys**, die in iCloud oder Google Password Manager gespeichert sind. **ZK-Email** unterstützt Passkey-Resets (außer auf TRON), und jede Chain kann bis zu **drei Passkeys** speichern.

### Assets und Netzwerke

-   Pay unterstützt derzeit **USDC und USDT**, wobei OKX andeutet, dass weitere Stablecoins auf der Roadmap stehen.
-   On-Chain-Senden und -Empfangen funktioniert über X Layer, Ethereum, TRON „und viele andere Netzwerke“, aber das Pay-Erlebnis ist für X Layer optimiert.

### Gebühren, Limits und Belohnungen

-   OKX bewirbt **keine zusätzlichen Gebühren** für P2P-Stablecoin-Überweisungen auf X Layer. Das Verschieben von Geldern aus anderen Netzwerken erfordert weiterhin die Zahlung des Gas dieser Netzwerke.
-   Interne Überweisungen und Einzahlungen sind kostenlos, während On-Chain-Abhebungen normale Netzwerk-Gasgebühren verursachen.
-   Stablecoin-Guthaben innerhalb von Pay können in **Smart Savings** eingehen, wo Belohnungen **täglich anfallen** und **monatlich ausgezahlt** werden; OKX kann das Programm nach Belieben ändern, pausieren oder beenden, und eine Identitätsprüfung ist zur Teilnahme erforderlich.

### Messaging und soziale Ebene

-   Pay integriert Chat- und **Geschenkfluss-Funktionen**, um soziale Trinkgelder und gelegentliche P2P-Anwendungsfälle zu betonen.

## Infrastruktur & Ökosystem: X Layer

-   **X Layer** ist OKXs **Ethereum Layer 2**, das auf Polygon CDK basiert. Ein Upgrade im August 2025 erhöhte den Durchsatz auf **~5.000 TPS** und verlagerte das **Gas-Token auf OKB**, während es nahezu null Gasgebühren für Pay subventionierte.
-   X Layer ist direkt mit der **OKX Wallet** und der zentralisierten Börse verbunden und ermöglicht Funktionen wie „0-Gas-Schnellabhebungs“-Infrastrukturen, die Pays Infrastruktur wiederverwenden.

## Händlerreichweite (Jetzt vs. Nächstes)

-   **Heute:** Die Bedingungen von OKX Pay **verbieten ausdrücklich Business-to-Business- oder Händlertransaktionen**, es sei denn, OKX autorisiert diese, wodurch Pay vorerst als P2P-Funktion für Verbraucher fest etabliert ist.
-   **Kurzfristig:** Die Händlerreichweite wird voraussichtlich über die **OKX Card** in Partnerschaft mit **Mastercard** erfolgen, die End-to-End-Stablecoin-Akzeptanzfunktionen einführt, damit Wallets bei traditionellen Händlern ausgeben können.

## Verfügbarkeit, KYC und Compliance

-   Die Aktivierung von Pay erfordert ein **OKX-Konto und eine abgeschlossene KYC**, und Empfänger müssen ebenfalls ihre Identität verifizieren, um Gelder zu erhalten.
-   OKX weist darauf hin, dass Pay **nicht in jeder Gerichtsbarkeit angeboten wird** und eine Liste der eingeschränkten Regionen führt.
-   Compliance-Beobachter sollten OKXs **Schuldgeständnis im Februar 2025** in den Vereinigten Staaten wegen AML-Verstößen beachten. Die Einigung umfasste etwa **505 Millionen US-Dollar an Strafen** und einen unabhängigen Beobachter bis **Februar 2027**. Umgekehrt hat OKX die **grundsätzliche Genehmigung der MAS in Singapur** für eine Zahlungslizenz erhalten und unterstützt nun **sofortige SGD-Überweisungen** über DBS-Infrastrukturen.

## Wettbewerbsübersicht (Zahlungen)

| Funktion                     | OKX Pay                                                               | Binance Pay                                                               | Bybit Pay                                     | Coinbase Payments / Commerce                                     |
| :--------------------------- | :-------------------------------------------------------------------- | :------------------------------------------------------------------------ | :-------------------------------------------- | :--------------------------------------------------------------- |
| Kernnutzung                  | P2P Stablecoin-Zahlungen auf X Layer; soziales Schenken; gebührenfreie UX | P2P plus Händler-Ökosystem; null Gas für Benutzer; 80+ Assets             | P2P mit Web-/App-/POS-Integrationen           | USDC Checkout-Infrastruktur (Base) für Plattformen; Coinbase Commerce für Händler |
| Händlernutzung               | Eingeschränkt, es sei denn, OKX autorisiert; Händlerreichweite über OKX Card & Mastercard-Stack | Breites Händlerprogramm & Partner                                         | Positionierung in Richtung Händlerintegrationen | Plattform-Level Stablecoin-Infrastrukturen; Commerce berechnet heute 1% |
| Gebühren                     | Keine Benutzergebühr für X Layer P2P; Konvertierungs-Gas für externe Chains | „Null Gasgebühren“-Positionierung für Benutzer                           | Marketing rund um niedrige Gebühren          | Commerce derzeit 1% für Händler                                  |
| Assets                       | USDT, USDC (weitere Stablecoins „später“)                             | 80+ Assets einschließlich BTC/ETH/USDT/USDC                               | Multi-Asset                                   | Primär USDC (mit PYUSD-Promos)                                   |
| Infrastruktur                | X Layer (OKB-Gas)                                                     | Binance intern + unterstützte Netzwerke                                   | Bybit intern + Netzwerke                      | Base + Coinbase-Stack                                            |

## Stärken

-   **Reibungslose UX:** Passkeys, Telefon/E-Mail/Links und automatische Rückerstattungen nach 48 Stunden machen das Pay-Erlebnis benutzerfreundlich für Verbraucher.
-   **Gas-abstrahiertes P2P:** Gebührenfreie Überweisungen auf X Layer plus abgedeckte Intra-X-Layer-Konvertierungen reduzieren die Benutzerreibung.
-   **Börsennähe:** Enge Verbindungen zur OKX-Börse, X Layer und der kommenden OKX Card schaffen ein On/Off-Ramp-Paket.

## Reibungspunkte und Risiken

-   **Semi-custodial Design:** Jede Smart Account-Aktion hängt von einer OKX-Mitunterzeichnung ab, sodass Benutzer die Verfügbarkeit und politischen Entscheidungen von OKX übernehmen.
-   **Händlerlücke heute:** Pays verbraucherorientierte Positionierung begrenzt die Händlerakzeptanz, bis Karten- und Mastercard-Flüsse ausgereift sind.
-   **Regulatorischer Überhang:** Das US-Durchsetzungsergebnis und die gerichtlichen Beschränkungen behindern die globale Einführung.

## Was in den nächsten 3–9 Monaten zu beobachten ist

-   **OKX Card Einführung:** Geografie, Gebühren, FX, Belohnungen, BIN-Kontrollen und ob Kartenausgaben direkt von Pay-Guthaben abgezogen werden können.
-   **Stablecoin-Abdeckung:** Erweiterung über USDT/USDC hinaus und wie sich die APY-Stufen regional entwickeln.
-   **Händler-Pilotprojekte:** Konkrete Beispiele für Mastercard Stablecoin-Abwicklungen oder von OKX autorisierte Händlerflüsse innerhalb von Pay.
-   **X Layer Ökonomie:** Die Auswirkungen von OKB als Gas, Durchsatz-Upgrades und Gas-Subventionen auf das Pay-Wachstum und die On-Chain-Aktivität.

## Due-Diligence-Checkliste

-   **Regulatorischer Umfang:** Bestätigen Sie die gerichtliche Eignung und Serviceverfügbarkeit, bevor Sie Implementierungen planen.
-   **KYC und Datenflüsse:** Dokumentieren Sie die Schritte zur Identitätsprüfung und welche Transaktionsmetadaten zwischen den Gegenparteien geteilt werden.
-   **Custody-Modell:** Abbildung von Fehlerfällen, wenn OKX nicht mitunterzeichnen kann oder wenn Passkey-Resets erforderlich sind; ZK-Email-Wiederherstellung testen.
-   **Kostenvalidierung:** Messen Sie die tatsächlichen Benutzergebühren auf X Layer im Vergleich zum Gasverbrauch beim Bridging von anderen Chains.
-   **Belohnungen:** Verfolgen Sie APY, Anfall und Auszahlungsmechanismen und beachten Sie dabei das Recht von OKX, das Programm anzupassen oder auszusetzen.

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**Quellen:** OKX Pay FAQ und Dokumentation, OKX Smart Account Bedingungen, X Layer Upgrade-Ankündigungen, Mastercard OKX Card Partnerschaftsmaterialien, Mastercard Stablecoin-Abwicklungsmitteilungen, OKX Risiko- und Compliance-Offenlegungen, Reuters Berichterstattung über die US-Durchsetzungsmaßnahme vom Februar 2025.