Binance's institutional loans unlock leverage of up to 4x on spot, margin, and pooled investment accounts, providing top traders with instant and unobstructed access to massive trading power.

New Organizational Lending Feature Offers Leverage Up to 4x and Access to Unified Collateral Assets

Cryptocurrency exchange Binance introduced the Institutional Loans product on July 3, providing verified business users with a new multi-account credit structure supporting leverage up to 4x. Aimed at VIP 5+ business users or companies evaluated by Binance on a case-by-case basis, this product is designed for capital-efficient trading for high-volume strategies. Binance CEO Richard Teng announced on social media platform X on July 4:

We are continuously improving services for institutional clients. Binance Institutional Loans not only provides credit but also reshapes how organizations approach liquidity across their entire portfolio.

The company explains: “This cross-collateral credit limit allows you to borrow based on the combined value of multiple accounts. You can access leverage up to 4x without the hassle of manual fund transfers.” Binance Institutional Loans differentiates itself from traditional margin lending by pooling assets across Spot, Cross Margin, and Portfolio Margin accounts.

The cryptocurrency company details: “Collateral can be pooled from up to ten linked sub-accounts, which can include any combination of Spot, Cross Margin, and Portfolio Margin accounts. Together, they form a risk unit, with the loan secured by the total net equity.”

Binance continues:

Choose from over 400 supported assets. Standard haircut policies apply to Portfolio and Cross Margin collateral assets, while major Spot assets — including BTC, ETH, USDT, USDC, SOL, and BNB — are exempt from haircuts, giving you greater borrowing capacity.

Funds are credited to a dedicated sub-account, allowing immediate trading access in Margin and Futures markets. A notable feature of Binance Institutional Loans is the opportunity to secure 0% interest funding through a cashback program when performance criteria are met; otherwise, Binance's standard interest rate will apply. This structure is designed to reward high-volume traders while still providing transparency on costs.