OKX Wallet Now Supports 0 Gas USDT and USDC Transfers on X Layer

Yael

/Dec 18, 2025

Key Takeaways

• OKX Wallet users can now transfer USDT and USDC with 0 gas fees on the X Layer.

• The x402 protocol provides gas subsidies specifically for stablecoin transfers.

• This innovation aims to improve the user experience by removing the need for a separate gas token.

• Developers can easily integrate gasless payment experiences using the x402 API.

• X Layer is designed for speed and low fees, supporting high-frequency stablecoin transactions.

On December 17, 2025, OKX announced that OKX Wallet users can transfer USDT and USDC on its Layer 2 network, X Layer, with 0 gas fees. The feature is powered by OKX’s self-developed x402 protocol and is part of a broader push to optimize the X Layer infrastructure and reduce the cost of core on-chain actions. According to OKX’s developer documentation, x402 provides gas subsidies specifically for stablecoin transfers on X Layer, enabling gas-free USDT and USDC payments. For users, this means near-instant, predictable-cost stablecoin transfers directly in OKX Wallet. For developers, it opens a straightforward API surface to embed gasless payment experiences. See the x402 overview for details on scope and guarantees. (Reference: x402 API docs.)

What makes gasless transfers possible on X Layer

A payments-first protocol: The x402 standard builds on the HTTP 402 status code to enable pay-per-use and low-friction settlement onchain. OKX implements x402 in its wallet stack, including relaying and gas subsidy logic for eligible flows like USDT and USDC transfers on X Layer. This is what enables 0 gas for end users while the relayer sponsors execution. For an official description of the mechanism and coverage, see the OKX x402 introduction.
(Reference: x402 API docs.)
An L2 designed for speed and low fees: X Layer is built with Polygon’s CDK and has undergone a “PP upgrade,” lifting throughput to about 5,000 TPS and reducing gas costs to negligible levels while maintaining EVM compatibility. That baseline efficiency makes wallet-level gas sponsorship sustainable for high-frequency stablecoin use cases.
(References: OKX announcement on the PP upgrade; X Layer overview.)
Stablecoin readiness at the protocol and bridge layers: X Layer supports USDC under Circle’s Bridged USDC Standard, giving the ecosystem a canonical, upgradeable path that avoids liquidity fragmentation and can transition to native USDC when conditions warrant. OKX also documents the exact token contracts for USDC and USDC.e on X Layer, guiding both users and integrators.
(References: USDC on X Layer docs; Circle Bridged USDC Standard.)

Why 0 gas USDT/USDC transfers matter

Payments UX that feels like Web2: Zero gas transfers remove the most confusing part of onboarding—needing a separate gas token. That makes peer-to-peer payments, payouts, and small-value commerce far more approachable, especially for first-time users and AI or machine-driven payments.
(Reference: x402 API docs.)
Cost control for active onchain users: Traders, NFT collectors, and DeFi participants often shuttle stablecoins between apps. On X Layer, the gasless path lowers friction for these frequent moves, aligning with OKX’s broader protocol_upgrade to make X Layer a payments- and DeFi-focused public network.
(References: OKX announcement on the PP upgrade; X Layer overview.)
Developer simplicity: Teams can integrate stablecoin transfers without forcing users to manage OKB for gas on day one. x402’s API and SDK surface are intended to be internet-native and easy to embed into consumer apps.
(Reference: x402 API docs.)

How it works in practice

Supported assets and domain: Gasless transfers apply to USDT and USDC on X Layer when transacting via OKX Wallet, with execution sponsored by the wallet’s relay infrastructure under x402.
(Reference: x402 API docs.)
What about approvals? In most EVM flows, the first approval can be a stumbling block. The x402 flow is designed to deliver gas-free transfers and payments; implementation specifics (such as whether an initial approval is sponsored) are handled by OKX’s wallet relay and may evolve. Users should follow in-app prompts and review the latest OKX help center posts for any edge cases.
(References: OKX announcement on the PP upgrade; x402 API docs.)
Token addresses and bridging: If you custody USDC on X Layer, confirm you’re using the correct contract per OKX’s documentation and understand the distinction between USDC and USDC.e. The official guidance and addresses are maintained by OKX.
(Reference: USDC on X Layer docs; Circle Bridged USDC Standard.)

Where this fits in the L2 landscape

X Layer is part of Polygon’s CDK + AggLayer roadmap toward unified liquidity and cross-chain interoperability. CDK offers multiple stacks and configurations—including Validium—for performance and cost advantages, which X Layer leverages to keep fees negligible while retaining Ethereum tooling and EVM compatibility. These foundations underpin wallet-level experiences such as 0 gas stablecoin transfers.
(References: Polygon CDK overview; AggLayer CDK; X Layer architecture.)

Security considerations you should still follow

Gasless doesn’t mean trustless is optional. Keep your basics tight:

Verify contracts and bridges: When adding USDC or USDC.e, use the contract addresses and guidance in the X Layer docs, and prefer the canonical bridge paths endorsed by OKX and Circle.
(References: USDC on X Layer docs; Circle Bridged USDC Standard.)
Practice wallet_security: Protect seed phrases and private keys offline, verify permissions for any approvals, and routinely review connected dapps. If you operate high-value or organizational wallets, use multisig or hardware-backed signers with role separation.
Monitor ecosystem announcements: Network upgrades, liquidity changes, and fee policies can shift. X Layer publishes formal notices for maintenance and upgrades, and OKX has documented the PP upgrade and performance targets.
(References: OKX announcement on the PP upgrade; X Layer mainnet technical upgrade notice.)

A quick start for users

Update to the latest OKX Wallet and switch your network to X Layer.
Choose USDT or USDC and initiate a transfer; the wallet will route via x402 and sponsor gas when eligible.
If you’re bringing funds in for the first time, consult the USDC/USDC.e guidance and official bridge flows.
(References: x402 API docs; USDC on X Layer docs.)

A note for developers

If you’re building payments, tipping, payouts, or agent-based commerce:

Start with the x402 API/SDK to integrate gasless USDT/USDC transfers on X Layer.
Design for idempotency and clear error handling around relay outcomes.
Consider wallet-native fallback UX (e.g., request signature again, show reason phrases) for rare cases where sponsorship conditions aren’t met.
(Reference: x402 API docs.)

The bigger picture: stablecoin rails meeting consumer UX

Stablecoins dominate onchain settlement, but gas has long been the UX tax that keeps everyday users away. By combining an efficient L2 (X Layer) with a wallet-native subsidy protocol (x402), OKX is pushing toward a payments UX that looks and feels like Web2 while preserving crypto’s programmability. For teams betting on AI agents, streaming content, or microtransactions, this kind of gasless USDT/USDC path is especially compelling.
(References: x402 API docs; OKX announcement on the PP upgrade; Polygon CDK overview.)

Should you pair this with a hardware wallet?

If you intend to hold meaningful stablecoin balances or operate treasury flows on X Layer, consider adding a hardware signer to your setup. OneKey hardware wallets keep private keys offline and can be used to sign EVM transactions while you enjoy gasless transfers in compatible apps. That way, you get the convenience of x402 on X Layer with a stronger operational security posture—ideal for teams that prioritize wallet_security during rapid scaling.

References and further reading