Judged purely as software, OKX Wallet has 130+ verified chain coverage, a real DEX aggregator, non-custodial Earn, published audits, a bug bounty, and useful in-wallet phishing and approval defenses. Judged as a product you trust with market access to your money, the operator's record pulls it down. A $505 million guilty plea with a compliance consultant to 2027, a DEX aggregator that served as a conduit for Lazarus Group laundering, an EU MiCA probe, a closed-source client, and a keyless mode that quietly puts one key share on OKX's servers are five separate reasons this lands below a wallet carrying no such baggage. The result is: recommendable in standard seed-phrase mode, better with a hardware signer attached, and reviewed here with the history its own marketing leaves out.