Odaily News OKX's Xu Mingxing responded to the issue of "users questioning OKX's lending mechanism": 1. OKX's current mortgage loan is a C2C market between users. OKX only provides a platform to help match users with borrowing needs and earning needs; 2. 100% reserve is a basic responsibility of OKX. When the loan amount exceeds the deposit amount, the platform's automatic currency exchange mechanism will be triggered due to the 100% reserve requirement; 3. OKX certainly limits the maximum loan amount and does not allow it to exceed 100%; 4. Due to the market activities of this currency, a large number of depositors redeemed their currency at the time, resulting in the loan amount exceeding 100%, which in turn triggered automatic currency exchange; 5. The OKX team will review the underlying design mechanism of the mortgage loan platform to see if there is an optimization plan, and everyone is welcome to give more suggestions.