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Independent Audit Report
Lithic
VS
OKX

A comprehensive 20-point independent audit covering fees, FX rates, settlement architecture, regulatory standing, customer protection, and real-world performance benchmarks.

20 Audit Criteria Independent Analysis Current Verified Data Live Benchmarks
TL;DR
It's a tie! Both score 4/5 stars. Choose Lithic if you need Fintechs and businesses wanting to launch custom Visa/Master, or OKX if you need Advanced crypto traders wanting spot, futures, options, DeFi. ⬇ Scroll for full 20-point audit
Best For
Lithic vs OKX
Fintechs and businesses wanting to launch custom Visa/Master... vs Advanced crypto traders wanting spot, futures, options, DeFi...
Fee Structure
Lithic vs OKX
B2B enterprise pricing; varies by transaction volume, card p... vs 0.08% maker / 0.1% taker on spot; futures fees from 0.02% ma...
Rating
Lithic vs OKX
4/5 ★ vs 4/5 ★
Lithic
Card Issuing & Payments Infrastructure
Best For Fintechs and businesses wanting to launch custom Visa/Mastercard card programs with instant virtual and physical card issuance
Core Fee B2B enterprise pricing; varies by transaction volume, card program type, and features
Settlement 99.99%+ uptime; sub-100ms authorization times; instant virtual card issuance via API; supports Apple/Google/Samsung Pay
Visit Lithic ↗
OKX
Global Crypto Exchange & Web3 Wallet
Best For Advanced crypto traders wanting spot, futures, options, DeFi, and NFTs on one platform
Core Fee 0.08% maker / 0.1% taker on spot; futures fees from 0.02% maker
Settlement Instant spot and derivatives execution; crypto withdrawals minutes; fiat 1–3 days
Visit OKX ↗
What This Audit Doesn't Cover: Real-time currency fluctuations, promotional offers, region-specific pricing, or temporary fee waivers. Always verify current rates, fees, and features directly with Lithic and OKX before making any financial decision.
Full 20-Point Audit Matrix
Verified current data across all key decision criteria
20 Criteria Compared
Audit Criterion Lithic OKX
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars)
★ ★ ★ ★ ★
4/5
Lithic: rated on fees, features, safety & ease of use
★ ★ ★ ★ ★
4/5
OKX: rated on fees, features, safety & ease of use
Cost Structure & Fees
Transaction FeesPer-transfer costs, domestic & international
 B2B enterprise pricing; varies by transaction volume, card program type, and features 0.08% maker / 0.1% taker on spot; futures fees from 0.02% maker
FX / Conversion SpreadMarkup above mid-market exchange rate
 Lithic charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app 		OKX charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app
Account MaintenanceMonthly or annual account-keeping charges
 Custom/tiered pricing — Lithic's fee structure depends on your account tier or usage volume.
Fees subject to change — verify before signing up 		OKX applies account maintenance charges as described in its fee schedule. Pricing may vary by region.
Fees subject to change — verify before signing up
Card Issuance FeesVirtual and physical card creation costs
 Lithic offers virtual and physical cards. Check the Lithic app under card settings for current issuance fees.
Check Lithic app for current card fees 		OKX does not primarily offer physical cards — access is digital-first.
Check OKX app for current card fees
Settlement Speed & Reliability
Domestic SettlementLocal bank transfer completion time
Lithic
99.99%+ uptime; sub-100ms authorization times; instant virtu
VS
OKX
Instant spot and derivatives execution; crypto withdrawals m
Both platforms offer comparable settlement speeds.
Cross-Border SpeedInternational corridor settlement time
 Lithic supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates 		OKX is built for cross-border transactions. Delivery times depend on the corridor and partner network.
Check the app for live estimates
Uptime / ReliabilityReported annual platform availability rate
 Lithic publishes service status updates on its official status page for transparency.
Check Lithic status page for incident history 		OKX publishes service status updates on its official status page for transparency.
Check OKX status page for incident history
Security & Regulatory Standing
Regulatory LicensesGoverning bodies and jurisdictions
 Enterprise-grade security; scalable infrastructure; 99.99% uptime; supports unlimited card creation; multi-campaign management
✓ Licensed 		Proof-of-Reserves published monthly; 95% cold storage; US users restricted; global MSB licenses
✓ Licensed
Deposit InsuranceGovernment-backed protection scheme
 Lithic holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with Lithic 		OKX holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with OKX
2FA & AuthenticationMulti-factor security implementation
 Lithic supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account 		OKX supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account
Fraud DetectionAI/ML-powered transaction monitoring
 Lithic employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring 		OKX monitors transactions for anomalies in real time. You can freeze your card instantly from the app.
✓ Real-time monitoring
Features, Limits & Access
Ideal Use CasePrimary audience and core value proposition
Lithic
Fintechs and businesses wanting to launch custom Visa/Mastercard card programs with instant virtual and physical card issuance
OKX
Advanced crypto traders wanting spot, futures, options, DeFi, and NFTs on one platform
Platform ClassificationRegulatory and product category
 Card Issuing & Payments Infrastructure Global Crypto Exchange & Web3 Wallet
Withdrawal LimitsDaily / weekly transfer and cash-out caps
 Lithic withdrawal limits vary by account type and KYC level.
Log in to see your current limits 		OKX applies daily and monthly withdrawal limits based on your account verification tier.
Log in to see your current limits
Supported CurrenciesFiat and digital asset coverage
 Lithic supports the currencies and assets listed in its official documentation.
Check Lithic official site for full currency list 		OKX supports multiple fiat currencies and/or digital assets.
Check OKX official site for full currency list
User Experience & Support
App Store RatingAggregate iOS + Android user satisfaction
 Lithic app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store 		OKX is available on both iOS and Android. Rating varies by region.
Verify live ratings on the App Store
Customer SupportAvailable resolution pathways and SLA
 Lithic offers support through its help centre and official contact channels.
Check Lithic help centre for current support options 		OKX offers support through its help centre and official contact channels.
Check OKX help centre for current support options
KYC Verification SpeedAccount activation timeline post-submission
 Lithic KYC timelines depend on document quality and account type.
Verify current wait times in the Lithic app 		OKX typically verifies personal accounts within minutes to 24 hours with a valid ID.
Verify current wait times in the OKX app
Overall VerdictWealthBlueprint independent recommendation
 IT'S A TIE — both score 4/5 stars.

Choose Lithic if you need: Fintechs and businesses wanting to launch custom Visa/Mastercard card programs with instant virtual and physical card issuance.
Choose OKX if you need: Advanced crypto traders wanting spot, futures, options, DeFi, and NFTs on one platform.

➜ Your choice depends on your specific needs
Official WebsiteVisit platform to sign up or verify current fees
 Visit Lithic ↗ Visit OKX ↗

Choose Lithic If:

  • You need Fintechs and businesses wanting to launch custom Visa/Master
  • You prefer B2B enterprise pricing; varies by transa
  • You value 99.99%+ uptime; sub-100ms authorization

Choose OKX If:

  • You need Advanced crypto traders wanting spot, futures, options, DeFi
  • You prefer 0.08% maker / 0.1% taker on spot; future
  • You value Instant spot and derivatives execution;
WealthBlueprint Verdict Summary
Lithic — Best For
Fintechs and businesses wanting to launch custom Visa/Mastercard card programs with instant virtual and physical card issuance
✓ Strong in its core category
OKX — Best For
Advanced crypto traders wanting spot, futures, options, DeFi, and NFTs on one platform
✓ Strong in its core category

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