This is a general announcement. Products and services referred to here may not be available in your region.

Fellow Binancians,

Binance is excited to introduce Institutional Loans for corporate users (KYB) with VIP 5 volumes and above, a new feature offering up to 4x leverage that gives you the ability to aggregate collateral across multiple asset accounts. This feature eliminates the limitations of a single account for margin collateral, significantly enhancing your capital efficiency and flexibility.

The credit obtained through Institutional Loans can be utilized for trading on Binance Margin and Futures markets using Cross Margin, Portfolio Margin, or Portfolio Margin Pro. 

Benefits of Institutional Loans

  • Increased Capital Efficiency: Cross-collateralization across up to 10 sub-account UIDs, secured by net equity from Spot, Cross Margin, and Portfolio Margin accounts, providing up to 4x leverage.

  • Interest-Free Option: Features a tiered interest rate structure, with the potential to reduce fees to zero under an interest rebate program upon meeting specific performance criteria, facilitating an optimized cost strategy.

  • Extensive Collateral Options: Choose from over 400 collateral assets, with standard haircut policies applicable to Portfolio and Cross Margin collaterals. Notably, Spot-supported collateral assets such as BTC, ETH, USDT, USDC, SOL and BNB are exempt from haircuts.

  • Spot-Like Latency: By utilizing Portfolio Margin Pro or Cross Margin paired with Margin Special Key, you can experience Spot-like latency in Margin trading, ensuring rapid and efficient transaction execution.

  • Flexibility: The Institutional Loans account can be structured as either a Cross Margin, Portfolio Margin, or Portfolio Margin Pro account, offering you flexible trading on Binance’s Margin and Futures markets.

Getting Started with Institutional Loans

To be eligible to participate in Institutional Loans, corporate users must meet or exceed the VIP 5 volume requirement. Alternatively, users may request a manual assessment, which will be conducted by Binance on a case-by-case basis.

For all onboarding requests, please contact your dedicated VIP representative or or complete this contact form.

For detailed trading rules on this feature, please refer to the FAQ.

Note: There may be discrepancies between this original content in English and any translated versions. Please refer to the original English version for the most accurate information, in case any discrepancies arise.

Thanks for your support!

Binance Team

2025-07-03