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Your money, your choice

Plugging more people into the global financial system requires developing new tools to fit their needs. From self-custody to staking, Proof of Reserves, and more, crypto brings new solutions to the table – adding on to the ones developed in traditional finance, like cash deposits and financial audits. At OKX, we don't think one world stands against the other. What we do think is that crypto extends what you can do with your money, giving you more power to decide:

  • ✅ What to do with your money
  • ✅ How to store it
  • ✅ Who to trust it with

It's your money, so it should be your choice. And the best way to choose, is to know. So here's some material to help you choose what best fits your circumstances. What will be your next move?


💪 Get started 💪

  1. Decide what to do with your money

From depositing cash in a bank to staking tokens on an exchange, there are many different things you can do when you move funds to a financial institution.

As a refresher, here's our quick explainer of what really happens when you deposit money in a bank, and what are the options you get when doing so on an exchange:

💸 From banks to exchanges: What happens with your money 💸

Deposits come with what's called 'counterparty risk' – it's to avoid that risk that Bitcoin was created in the first place! But do you really know what's counterparty risk? Here's our quick explainer, with some (scary!) historical examples:

🚨 Counterparty risk, 101 🚨

We might be a bit old-fashioned, but we think the number one task of a custodian, whether it's a bank or a crypto exchange, is to... store customers' assets safely? Doing that in the context of crypto presents specific challenges, so here's our presentation of the advanced security measures OKX applies in order to secure customers' funds. TL;DR: there's a reason we've never been hacked:)

⛨ OKX's wallet security ⛨

  1. Decide how to store your money

Traditional currencies allow you to keep cash under your mattress, of course, but that's not super convenient – and hard to travel with! One of the big innovations crypto brings is to let people store their digital money themselves, without trusting any one bank or exchange with it.

If you're not sure what self-custody is, here's a quick reminder about what self-custody is and how it works:

⛨ Self-custody 101 ⛨

Self-custody is so core to the crypto culture it even has it's own day, called 'Proof of Keys' day. At OKX we celebrate it every year! Here's what's Proof of Keys and what it means:

🗝️ Proof of Keys?! 🗝️

Keys, keys, keys.... When hearing about crypto in general and self-custody in particular, you'll keep hearing about keys. So here's what you need to know about public and private keys:

🔑 Private vs public keys 🔑

But crypto doesn't just allow you to store spare digital cash here and there. It can also be made available for large, sophisticated investors. And we're actively working on it, in order to offer our institutional clients even more custody solutions:

🛡️ Institutional custody 🛡️

Now, for all its merits, self-custody comes with tradeoffs and isn't a one-size-fits-all solution. Here are the tradeoffs it implies – it's important to keep them in mind when thinking about how to store your crypto!

⚠️ Limits of self-custody ⚠️

  1. Decide who to trust

Whether you want to let your money sit with a custodian or have them put it to work, you have to trust them with your money. On this front, banks and exchanges work differently. Banks typically offer audits of their financial statements while healthy exchanges provide so-called Proof of Reserves.

But first, note that there are different kinds of Proof of Reserves (PoR), varying in frequency and quality:

🔍 Different types of Proofs of Reserves? 🔍

These differences apply for the sort of PoR exchanges do but one of the benefits of crypto is that you can also do PoRs for assets, like stablecoins and wrapped tokens! Here's what the difference is between the two:

🤔 Exchange vs token PoR? 🤔

But there's more! You'll usually hear PoR relies on "Merkle Trees" - but can you really explain what that means, in simple terms? Here's us giving it our best shot:

🌲 Merkle Trees? 🌲

Merkle Trees are great but they don't fully hide the forest of metadata that comes with them. So industry experts agree the future of PoR is to enhance them with what's called "Zero Knowledge Proofs" (ZKP). Do you, also, have zero knowledge about ZKP? We've got a nice and clear explainer for you to get up to speed:

0️⃣ Zero Knowledge Proofs 0️⃣

Finally, you might be curious about OKX's recipe for PoR. Hint: A good piece of Merkle Trees with, soon, a whole lot of ZKP seasoning. Here's how it works now:

🔒 OKX's Proof of Reserves 🔒

And how it'll evolve soon:

⚡️ OKX's ZKP-enhanced Proof of Reserves ⚡️

  1. Your next move

From deposits to staking, self-custody, and everything in between, crypto empowers you with more choice than ever - and the're lots to process in there. To navigate the freedom crypto offers, knowledge is key. So, this year, expect us to empower you, not just with more tools, but with more education. And then it'll be on you to make your next move. Game on?

💪 Take control 💪

NOTHING IN THIS ARTICLE IS A SOLICITATION TO BUY OR SELL DIGITAL ASSETS. OKX DOES NOT ENDORSE ANY PARTICULAR DIGITAL ASSET OR STRATEGY. DIGITAL ASSETS HOLDINGS INVOLVE A HIGH DEGREE OF RISK, CAN FLUCTUATE GREATLY ON ANY GIVEN DAY, AND MAY EVEN BECOME WORTHLESS. YOU SHOULD CAREFULLY CONSIDER WHETHER TRADING OR HOLDING DIGITAL CURRENCIES IS SUITABLE FOR YOU IN LIGHT OF YOUR FINANCIAL CONDITION. OKX DOES NOT PROVIDE LEGAL, TAX, INVESTMENT, OR OTHER ADVICE. PLEASE CONSULT YOUR LEGAL/TAX/INVESTMENT PROFESSIONAL FOR QUESTIONS ABOUT YOUR SPECIFIC CIRCUMSTANCES.

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本文章可能包含不适用于您所在地区的产品相关内容。本文仅致力于提供一般性信息,不对其中的任何事实错误或遗漏负责任。本文仅代表作者个人观点,不代表欧易的观点。 本文无意提供以下任何建议,包括但不限于:(i) 投资建议或投资推荐;(ii) 购买、出售或持有数字资产的要约或招揽;或 (iii) 财务、会计、法律或税务建议。 持有的数字资产 (包括稳定币和 NFTs) 涉及高风险,可能会大幅波动,甚至变得毫无价值。您应根据自己的财务状况仔细考虑交易或持有数字资产是否适合您。有关您具体情况的问题,请咨询您的法律/税务/投资专业人士。本文中出现的信息 (包括市场数据和统计信息,如果有) 仅供一般参考之用。尽管我们在准备这些数据和图表时已采取了所有合理的谨慎措施,但对于此处表达的任何事实错误或遗漏,我们不承担任何责任。欧易 Web3 功能,包括欧易 Web3 钱包和欧易 NFT 市场都受 www.okx.com 单独的服务条款约束。
© 2024 OKX。本文可以全文复制或分发,也可以使用本文 100 字或更少的摘录,前提是此类使用是非商业性的。整篇文章的任何复制或分发亦必须突出说明:“本文版权所有 © 2024 OKX,经许可使用。”允许的摘录必须引用文章名称并包含出处,例如“文章名称,[作者姓名 (如适用)],© 2024 OKX”。不允许对本文进行衍生作品或其他用途。
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