OKX C2C currency purchase and deposit tutorial (Alipay/WeChat/Bank Card)

Want to buy cryptocurrency with fiat currency? OKX’s C2C (Customer to Customer) trading is the most convenient way to fund your account. Through C2C trading, you can buy USDT and other cryptocurrencies directly from verified merchants using Alipay, WeChat, or a bank card. The whole process is as simple as shopping online.

This article covers the complete OKX C2C buying process to help you complete your first deposit safely and efficiently. If you are not familiar with the concept of C2C trading yet, we recommend reading the basics first.

What Is C2C Trading?

C2C trading, or customer-to-customer trading, is a method where the platform matches buyers and sellers to trade cryptocurrency directly with each other. In OKX’s C2C marketplace:

• Buyers use fiat currency (e.g., CNY) to purchase cryptocurrency
• Sellers sell cryptocurrency in exchange for fiat currency
• OKX acts as an escrow intermediary to ensure transaction security

Advantages of C2C Trading

Advantage	Details
Convenient payment	Supports Alipay, WeChat, and bank transfers
Zero fees	The platform does not charge C2C transaction fees
Platform escrow	Merchants must lock up crypto in advance
Price transparency	Multiple merchants compete, keeping prices close to market rate
Easy to use	Similar to online shopping, beginner-friendly

Before You Start

1. Complete KYC Verification

C2C trading requires at least Lv2 (Advanced) verification. If you have not completed verification yet, refer to the OKX Registration and Account Opening Tutorial to finish account registration and identity verification.

2. Bind a Payment Method

Before making a C2C transaction, bind at least one payment method:

1. Go to “Personal Center” → “Payment Methods”
2. Choose to add Alipay, WeChat, or a bank card
3. Follow the prompts to fill in your payment details
4. Confirm the binding

Important: The name on the bound payment account must match your KYC-verified name, or the transaction may fail.

3. Know the Common Tokens

The most commonly traded tokens on the C2C market:

• USDT (Tether): The most popular stablecoin, pegged 1:1 to the US dollar — recommended as your first choice
• USDC: Another major stablecoin
• BTC: Bitcoin
• ETH: Ethereum

Beginners should start by purchasing USDT as a base asset for subsequent trading.

Step 1: Go to the C2C Trading Page

Web Version

1. Log in to the OKX website
2. Click “Buy Crypto” in the top navigation bar
3. Select “C2C Trading”
4. Enter the C2C marketplace page

App Version

1. Open the OKX app
2. Tap the “Buy Crypto” button on the homepage
3. Select “C2C Trading”
4. Enter the trading list page

Step 2: Set Your Purchase Parameters

On the C2C trading page, configure the following:

Select the Token

Click the token selector and choose the cryptocurrency you want to buy. USDT is recommended for beginners.

Enter the Amount

You can set the amount in two ways:

• By fiat amount: Enter the amount of fiat currency you want to spend (e.g., 500 CNY)
• By token quantity: Enter the amount of USDT you want to buy (e.g., 70 USDT)

Choose a Payment Method

Select your preferred payment method:

• Alipay: Fast arrival, most convenient for everyday use
• WeChat Pay: Equally convenient, good for smaller amounts
• Bank transfer: Suitable for larger transactions, may take slightly longer to process

You can select multiple payment methods — the system will filter merchants that support your chosen methods.

Step 3: Choose a Merchant and Place the Order

After setting your parameters, the page will display a list of merchants that match your criteria. Pay attention to the following when choosing:

How to Choose a Reliable Merchant

Metric	Recommendation
Trade volume	Choose merchants with high trade volume — they are more experienced
Completion rate	Merchants above 95% are more reliable
Price	Compare multiple merchants and choose a reasonable price
Limits	Confirm the merchant’s per-order limits meet your needs
Verification badge	Prefer merchants with a “Verified Merchant” badge

Placing the Order

1. Click “Buy” next to your chosen merchant
2. Confirm the amount and quantity
3. Select the payment method for this transaction
4. Click “Confirm Purchase” to generate the order

A countdown timer will start (usually 15-30 minutes), and you must complete payment within the allotted time.

Step 4: Complete the Payment

After the order is generated, the page will display the merchant’s payment details:

Alipay Payment

1. Copy the merchant’s Alipay account
2. Open the Alipay app and select “Transfer”
3. Enter the merchant’s Alipay account and transfer amount
4. Confirm the transfer and save a screenshot of the payment receipt
5. Return to OKX and click “I Have Paid”

WeChat Payment

1. Complete the WeChat transfer based on the merchant’s information
2. Save a screenshot of the transfer record
3. Return to OKX and click “I Have Paid”

Bank Transfer

1. Copy the merchant’s bank account number, bank name, and account holder name
2. Complete the transfer via mobile banking or online banking
3. The transfer amount must match the order amount exactly
4. Save the transfer receipt, then return to OKX and click “I Have Paid”

Payment Precautions

• Amount must be exact: The payment amount must match the order amount precisely — do not overpay or underpay
• Do not add notes: Do not add any cryptocurrency-related remarks in the transfer notes
• Use your own account: You must use a payment account that matches your KYC-verified name
• Keep receipts: Save payment screenshots in case you need to file an appeal

Step 5: Wait for the Merchant to Release Coins

After clicking “I Have Paid,” the merchant will be notified and will verify the payment:

• Most merchants confirm and release coins within 5-15 minutes
• Once released, USDT will arrive in your OKX funding account automatically
• You will receive an in-app notification and push alert

If the Merchant Does Not Release Coins

1. First, contact the merchant through the order page’s chat feature
2. If there is no response after 30 minutes, click “Appeal”
3. OKX customer service will intervene and typically resolve it within 24 hours
4. Provide payment screenshots as evidence when filing the appeal

Step 6: Confirm Receipt and Transfer

After receiving the cryptocurrency:

1. Check the balance in the “Funding Account” under the “Assets” page
2. To start spot trading, transfer the funds to your “Trading Account”
3. Transfer path: Assets → Transfer → Funding Account to Trading Account

After the transfer, you can freely trade on the OKX spot market.

C2C Trading Safety Guide

Must Do

• Complete all transactions within the OKX platform — never transfer privately
• Use a payment account registered in your own verified name
• Keep all transaction receipts
• Trade with verified merchants

Never Do

• Do not communicate or trade with merchants outside the platform
• Do not write “buy crypto,” “USDT,” “Bitcoin,” or similar terms in transfer notes
• Do not use someone else’s payment account
• Do not click “I Have Paid” without actually paying
• Do not trust offers for “off-platform discount prices”

C2C Selling (Withdrawal to Fiat) — Brief Overview

When you want to convert cryptocurrency back to fiat currency, the process is the reverse of buying:

1. Transfer cryptocurrency from your trading account to your funding account
2. Go to the C2C selling page
3. Set the amount to sell and your receiving payment method
4. Post a sell order or select a buyer’s advertisement
5. After the buyer pays, confirm receipt and release the coins

Summary

OKX C2C trading is the most convenient way for users to buy cryptocurrency with fiat, supporting multiple mainstream payment methods with platform escrow protection. Once you have mastered the process above, you can easily purchase USDT and other cryptocurrencies to begin your digital asset journey.

Remember, safety comes first. Always complete transactions within the platform, choose reputable merchants, and keep your transaction receipts.

Risk Warning: C2C trading involves the exchange of fiat currency and cryptocurrency. Ensure your trading activity complies with local laws and regulations. Protect your personal payment information during transactions and watch out for various scam tactics. If you encounter a suspicious counterparty, stop the transaction immediately and contact OKX customer support.