Cryptocurrency investing has evolved beyond simple buy-and-hold strategies. With dynamic market conditions, investors are increasingly turning to intelligent tools that optimize returns while reducing manual effort. One such innovative solution is the OKX Dollar-Cost Averaging (DCA) Strategy — formerly known as "Tunbi Bao" — a smart, automated investment tool designed to maximize long-term gains through intelligent rebalancing and multi-asset diversification.
This guide walks you through how the OKX DCA Strategy works, its latest upgrades, and a step-by-step tutorial for seamless usage — all while integrating key insights to help you make informed decisions in today’s volatile crypto landscape.
What Is the OKX DCA Strategy?
The core logic behind the OKX DCA Strategy is intelligent, dynamic portfolio rebalancing. Based on market movements, the system automatically adjusts your asset allocation across multiple cryptocurrencies to maximize overall returns.
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For example, imagine your portfolio consists only of Bitcoin (BTC) and Ethereum (ETH). When BTC’s price rises relative to ETH, the system may sell a portion of your ETH holdings and reinvest into BTC — capitalizing on momentum. Conversely, if ETH outperforms, it reallocates funds accordingly. This mechanism leverages inter-coin volatility to accumulate more assets over time, effectively increasing your principal without additional capital input.
As crypto markets mature and user demands evolve, OKX has upgraded the DCA Strategy with three powerful new features: Smart Combinations, Intelligent Allocation, and Multi-Currency Investment — making crypto investing more flexible, efficient, and accessible than ever.
Key Upgrades in the OKX DCA Strategy
Smart Combinations: Invest in Thematic Crypto Sectors
Experienced investors often target specific blockchain sectors — whether it's DeFi, NFTs, meme coins, or Layer-1 ecosystems — based on their market outlook and interests. Recognizing this trend, OKX introduces Smart Combinations, a feature that groups high-potential assets into curated investment themes.
Initially launching with five pre-built portfolios, Smart Combinations allow users to tap into trending sectors like:
- Meme Coins (e.g., Dogecoin, Shiba Inu)
- DeFi Leaders (e.g., Uniswap, Aave)
- Ethereum Ecosystem Projects
- Layer-1 Innovators
- AI & Blockchain Convergence
Each combination includes a diversified mix of tokens within the theme, with weightings determined by market data and performance trends. Users simply select a sector they believe in and start investing — no need to manually pick individual assets.
This approach mirrors thematic investing in traditional finance but tailored for the fast-moving crypto world, helping users stay aligned with emerging opportunities.
Intelligent Allocation: Data-Driven Portfolio Optimization
One of the biggest challenges in multi-asset investing is determining optimal allocation. As the number of assets grows, so does the complexity of balancing risk and return.
The Intelligent Allocation feature solves this using advanced algorithms grounded in modern portfolio theory and real-time market analytics. When you choose a set of cryptocurrencies, the system calculates the ideal distribution of funds to maximize expected returns for a given level of risk.
No more guesswork or spreadsheet modeling — with one click on "Smart Allocation", you receive science-backed recommendations. If you later add or remove assets, the system dynamically recalculates proportions to maintain an optimized balance.
This functionality is especially valuable during periods of high volatility, where timely rebalancing can protect gains and capture new growth cycles.
Multi-Currency Investment: Invest Directly Without Converting to USDT
Traditionally, most investment strategies require converting holdings into stablecoins like USDT before deployment. This adds friction and reduces capital efficiency — especially when you already hold strong-performing assets like BTC or ETH.
Now, OKX supports direct investment using major cryptocurrencies. You can transfer BTC, ETH, or other supported coins directly into your DCA strategy without converting them manually.
Behind the scenes, the system evaluates your deposited crypto at current market rates and allocates it accordingly. A clear warning appears before confirmation to ensure you understand any potential impact on your trading account’s margin status.
This upgrade significantly improves usability and responsiveness, allowing investors to act quickly during market shifts without unnecessary conversion steps.
How to Use the OKX DCA Strategy: Step-by-Step Tutorial
Ready to get started? Follow these simple steps to begin using the OKX DCA Strategy with its latest features.
Step 1: Access the Strategy Dashboard
- Go to the OKX official website
- Log in to your account
- Click on Finance in the top menu
- Select Create Strategy
You’ll be taken to the strategy creation interface.
Step 2: Choose the DCA Strategy
Under Select Strategy, click on Dollar-Cost Averaging (DCA) — this is the updated version of the original Tunbi Bao.
You’ll now see options to either use a recommended Smart Combination or build your own custom portfolio.
Option A: Use a Smart Combination (Beginner-Friendly)
- Click Recommended Strategies
- Browse through available thematic cards (e.g., “DeFi Giants”, “Meme Season”)
Tap a card to view details:
- Targeted sector
- Historical performance
- Included assets and weights
- Click Use and enter your desired investment amount
- Confirm and activate
👉 Start building your first automated crypto portfolio today.
Option B: Build a Custom Portfolio with Intelligent Allocation
- Under Manual Creation, click Add Currency
- Select the cryptocurrencies you want to include
- Click Smart Allocation to let the system determine optimal weights
- Adjust amounts if needed
- Enter total investment value
- Enable Allow Trading Coins if you wish to invest directly with BTC/ETH
- Confirm and launch your strategy
Frequently Asked Questions (FAQ)
Q: Is the OKX DCA Strategy suitable for beginners?
A: Yes. The Smart Combinations and Intelligent Allocation features make it easy for newcomers to start investing confidently without deep technical knowledge.
Q: Can I modify my strategy after it’s active?
A: Absolutely. You can adjust investment amounts, change asset allocations, or pause/resume the strategy at any time.
Q: Are there fees associated with using the DCA Strategy?
A: There are no platform fees for creating or managing the strategy. However, standard trading fees apply when rebalancing occurs.
Q: How often does rebalancing happen?
A: Rebalancing frequency depends on market movement thresholds set by the system — typically triggered by significant price changes between assets.
Q: What happens if I deposit more funds mid-strategy?
A: Additional deposits are automatically allocated according to your current asset weights unless you manually adjust them.
Q: Is my capital locked in?
A: No. You retain full control and can withdraw or stop the strategy anytime, though early exits may affect overall performance.
Why This Matters for Modern Crypto Investors
The upgraded OKX DCA Strategy represents a shift toward smarter, more adaptive investment tools in the digital asset space. By combining sector-based exposure, algorithmic optimization, and direct crypto investment, it addresses real pain points faced by both novice and experienced investors.
Whether you're looking to ride the next meme coin wave or steadily accumulate blue-chip cryptos, this tool empowers you to do so systematically — reducing emotional decision-making and enhancing compounding potential.
Final Thoughts
The future of crypto investing lies not just in holding assets, but in intelligently managing them. The OKX DCA Strategy equips users with professional-grade tools once reserved for institutional players — now accessible with just a few clicks.
With automated rebalancing, thematic portfolios, and seamless multi-currency support, it's never been easier to build wealth in crypto — even during sideways or volatile markets.
👉 See how automated strategies can transform your crypto journey — start now on OKX.
Keywords: OKX DCA Strategy, dollar-cost averaging crypto, smart portfolio rebalancing, multi-currency investment, cryptocurrency automation, thematic crypto investing, intelligent asset allocation