This is a general announcement and marketing communication. Products and services referred to here may not be available in your region.
Fellow Binancians,
As part of the #MerryBinance Christmas Calendar this year, Binance is excited to launch a new promotion for Binance Flexible Rate Loan. During the Promotion Period, eligible users who successfully place new USDT or USDC Flexible Rate Loan order(s) will receive an Interest-free Voucher to borrow the next Loan for free*!
Promotion Period: 2025-12-19 00:00 (UTC) to 2026-01-08 23:59 (UTC)
During the Promotion Period, eligible users who opt-in from the campaign page and place new USDT or USDC Flexible Rate Loan order(s) 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 Flexible Rate Loan Interest-free Voucher.
Please Note:
*Interest-free period durations are set out in the reward structure table above and range from 5 to 7 days.
**Daily Average Loan Amount = Sum of eligible Loan position daily snapshot during the Promotion Period / 21 days
Flexible Rate Loan(s) repaid during the Promotion Period will reduce the Daily Average Loan Amount calculated in this Promotion.
After the respective interest-free period has lapsed, interest will incur at the usual rates for the respective Flexible Rate Loan order, in accordance with the Flexible Rate Loan Services Terms. The maximum amounts for loan interest deductible per voucher are detailed in the reward structure table above. Loan interest incurred in excess of these amounts will be chargeable to the user.
Only users who confirm participation on the campaign page and complete account verification will be eligible for rewards from the Promotions.
The Promotion is only available to users who are eligible to use Binance Flexible Rate Loans, and may not be available or may be restricted in certain jurisdictions or regions, or to certain users, depending on legal and regulatory requirements.
Promotion:
Only new Binance Flexible Rate Loan order(s) applied during the Promotion Period are eligible. Any repayment amount made by a user in respect of a Binance Flexible Rate Loan order made during the Promotion Period will be subtracted from the eligible loan amount when it comes to eligibility and rewards calculation.
Case Study:
User A borrowed 1,500 USDC on 2025-12-19, and maintained the 1,500 USDC borrowing until 2026-01-8 without any repayment of USDC, the Net Daily Average Loan Amount will be 1,500 USDC, which is above $1,000 equivalent. If User A is among the top 500 users in this rank, the user is eligible for a Flexible Rate Loan Interest-free Voucher.
User B borrowed 100,000 USDC on 2025-12-19, and repaid the 90,000 USDC borrowing on 2025-12-21, the daily average loan amount will be (100,000 * 2 + 10,000 * 19) / 21 = 18,571 USDC. If User B is among the top 300 users in this rank, the user is eligible for a Flexible Rate Loan Interest-free Voucher.
Rewards:
The Flexible Rate Loan Interest-free Voucher will be distributed to eligible users' Rewards Hub within four (4) weeks after the Promotion Period ends.
Voucher winners must use the vouchers within 30 days after voucher issuance, failing which the voucher will expire. For more information, please refer to this FAQ: “What is Binance Flexible Rate Loan Interest-free Voucher and How to Use It”.
To use the voucher, users must apply it before taking out their next USDC Flexible Rate Loan. Vouchers cannot be applied after the loan is taken.
The voucher waives interest on the USDC Flexible Rate Loan up to the applicable borrow amount and duration, and at all times, the waived interest is subject to the maximum Flexible Rate Loan Interest amount per voucher.
Loan interest within the maximum Flexible Rate Loan Interest amount will be deducted from the total liability upon repayment. Any Flexible Rate Loan Interest which exceeds the maximum Flexible Rate Loan Interest amount (as set out in the table above) is payable by the user, and this excess will be added to the Flexible Rate Loan liability balance.
Early repayment before the end of the Interest-free period will reduce the waived interest amount, which will be calculated only up to the repayment date.
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
2025-12-19
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.
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Binance reserves the right in its sole discretion to amend or cancel this announcement at any time and for any reasons without prior notice.
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