This is a general announcement and marketing communication. Products and services referred to here may not be available in your region.
Fellow Binancians,
Binance is excited to launch a new promotion for Binance Loans (Flexible Rate) users. During the Promotion Period, eligible users who successfully place new Binance Loans (Flexible Rate) orders will have a chance to share over 150,000 USDC rewards.
Promotion Period: 2025-08-15 00:00 (UTC) to 2025-09-14 23:59 (UTC)
Promotion A: Place a New USDT or USDC Flexible Rate Loan Order to Get Up to 300 USDC Tokens
During the Promotion Period, eligible users who opt-in from the campaign page and place new USDT or USDC Flexible Rate Loan orders will be able to participate.
All eligible users will be ranked by their Net Daily Average Loan Amount* during the Promotion Period. The top users whose Net Daily Average Loan Amount exceeds the respective loan volume thresholds listed in the table below, will receive the corresponding fixed rewards.
Notes:
*Net Daily Average Loan Amount is the USDT/USDC loan volume difference between the average daily borrowed amount during the Promotion Period and the 31-day period from 2025-07-15 00:00 (UTC) to 2025-08-14 23:59 (UTC).
Net Daily Average Loan Amount Formula: (Sum of eligible newly borrowed Loan orders - repayment amount during the Promotion Period) / 31 days - [Sum of eligible newly borrowed Loan orders - repayment amount from 2025-07-15 00:00 (UTC) to 2025-08-14 23:59 (UTC)] / 31 days.
Rewards Structure:
Promotion B: Join the Loans Challenge and Compete for the Top Prize of 3,888 USDC Token Voucher
During the Promotion Period, users who fulfill all of the following requirements will be eligible to to participate in the Promotion B Loans Challenge:
Only users who opt-in from the campaign page are eligible to participate.
Users must complete new Binance Loans (Flexible Rate) order(s) for eligible loan tokens with at least $1,000 equivalent of Net Daily Average Loan Amount*.
Eligible Loan Tokens: USDT and USDC
How to Participate:
Each eligible participant will receive three Challenge Chances, which can then be used to participate with a chance of winning the respective rewards listed in the table below. Eligible participants can follow these steps to receive rewards from Promotion B’s Loans Challenge：
After the Promotion Period, eligible users who have received the chances can go to the Loans Challenge page to participate. The Loans Challenge will take place from 2025-09-16 08:00 (UTC) to 2025-09-19 07:59 (UTC).
To take part in the Loans Challenge with Challenge Chances, click “GO” on the landing page. The cursor will rotate and settle on a square, which represents the outcome of using the respective Challenge Chances. Cursors which rotate and settle on winning squares, will win the respective rewards listed in the table below. The table below also lists the number of rewards that are available for each reward amount.
Loans Challenge Rewards Structure:
Terms & Conditions:
Only users who confirm participation on the campaign page and complete account verification will be eligible for rewards from the Promotions.
The Promotions are only available to users who are enabled to use Binance Loans (Flexible Rates), and may not be available or may be restricted in certain jurisdictions or regions, or to certain users, depending on legal and regulatory requirements.
Terms and Conditions for Binance Flexible Rate Loan apply.
Promotions A and B:
Only new Binance Loans (Flexible Rate) order(s) applied during the Promotion Period are eligible. Any repayment amount made by a user in respect of a Binance Loans (Flexible Rate) order made during the Promotion Period will be subtracted from the eligible loan amount when it comes to eligibility and rewards calculation.
* Net Daily Average Loan Amount Formula: (Sum of eligible newly borrowed Loan orders - repayment amount during the Promotion Period) / 31 days - [Sum of eligible newly borrowed Loan orders - repayment amount from 2025-07-15 00:00 (UTC) to 2025-08-14 23:59 (UTC)] / 31 days.
Case Study:
User A borrowed 1,500 USDC on 2025-08-15, and maintained the 1,500 USDC borrowing until 2025-09-14, given that User A never used Flexible Rate Loan, the Net Daily Average Loan Amount will be 1,500 USDC, which is above $1,000 equivalent. User A is eligible to participate in Promotion B.
User B borrowed 100,000 USDC on 2025-08-15, and repaid the 90,000 USDC borrowing on 2025-08-17, the daily average loan amount will be (100,000 * 2 + 10,000 * 29) / 31 = 15,806 USDC. However, User B’s daily average loan amount between 2025-07-15 to 2025-08-14 is 15,000 USDC. Thus, user B is not eligible for both Promotions since the Net Daily Average Loan Amount is 806 USDC, which is below $1,000 equivalent.
User C borrowed 800,000 USDC on 2025-08-26, and repaid the 500,000 USDC borrowing on 2025-08-28, given the daily average loan amount will be (800,000 * 2 + 300,000 * 18) / 31 = 225,806 USDC. Since User C’s daily average loan amount between 2025-07-15 to 2025-08-14 is 75,000 USDC, the Net Daily Average Loan Amount is 150,806 USDC. However, User C is ranked 800th, therefore User C is not eligible for the Promotion A’s reward but is eligible to participate in Promotion B.
User D borrowed 299,000 USDC on 2025-08-15, and maintained the 299,000 USDC borrowing until 2025-09-14, given that User D never used Flexible Rate Loan, the Net Daily Average Loan Amount will be 299,000 USDC and ranked 290 under ≥ $300,000 net loan volume threshold. User D will receive 66 USDC from Promotion A and is eligible to participate in Promotion B as well.
If Promotion A’s eligible users have the same Net Daily Average Loan Amount, we will use the BNB Smart Chain hash value at 2025-09-14 23:59 (UTC) to automatically select eligible users with the most consecutive numerical digits in their UID to be the winners.
Eligible users from Promotion A can only receive rewards from one loan volume threshold tier based on the Net Daily Average Loan Amount. However, if the user does not make it to any qualifying rank of that threshold, they will not receive any rewards.
Rewards:
The USDC rewards from Promotion A will be distributed to eligible users' Spot Accounts within four (4) weeks after the Promotions end.
Promotions A and B are not mutually exclusive, participants of Promotion A are also eligible to receive rewards in Promotion B if they meet the conditions.
Users who receive token voucher rewards in Promotion B can view and redeem them in the Reward Hub.
Token voucher winners must activate their vouchers within 14 days after the reward is issued, otherwise they will expire. Learn more about What Are Binance Vouchers and How to Redeem.
Rewards for Promotions A and B are limited - once the reward amounts have been distributed, no further amounts will be available for the purposes of these Promotions.
Binance’s calculation of Net Daily Average Loan Amount is final.
Binance reserves the right to disqualify any participants who tamper with Binance program code, or interfere with the operation of Binance program code with other software.
Binance reserves the right to disqualify any participants that, in its reasonable opinion, are acting fraudulently or not in accordance with any applicable terms and conditions.
Binance reserves the right to cancel or amend the Promotion or Promotion Rules at its sole discretion.
Additional Promotion terms and conditions can be accessed here.
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.
Thank you for your support!
Binance Team
2025-08-15
USDC is an e-money token issued by Circle Internet Financial Europe SAS (https://www.circle.com/). USDC’s whitepaper is available here. You may contact Circle using the following contact information: +33(1)59000130 and [email protected].
Holders of USDC have a legal claim against Circle SAS as the EU issuer of USDC. These holders are entitled to request redemption of their USDC from Circle SAS. Such redemption will be made at any time and at par value.