Binance has introduced a new product called Institutional Loans, which allows verified corporate clients a cross-collateralized credit line with the potential for up to 4x leverage. This offering enables clients to borrow against multiple accounts without the necessity of consolidating their assets.
Highlighted Features:
- Corporate clients can access loans with leverage up to 4x.
- Funds borrowed are immediately allocated to dedicated margin accounts.
- Binance offers support for over 400 collateral assets, with opportunities for 0% interest.
The initiative is designed to enhance capital efficiency for high-frequency and institutional traders who require swift liquidity, according to a statement from the exchange released on Thursday. Unlike traditional margin products, which are limited to a single account, the new Institutional Loans feature allows traders to aggregate collateral from up to ten different Spot, Cross Margin, and Portfolio Margin sub-accounts.
Binance Loans Facilitate Instant Margin Access
With this new offering, borrowed funds are placed into specialized Portfolio Margin, Portfolio Margin Pro, or Cross Margin accounts, granting instant access to Binance’s Margin and Futures markets. Clients can secure loans ranging from 1 to 10 million USDC or USDT, based on the net equity in their collateralized accounts.
The program supports an extensive range of over 400 collateral assets, including major Spot tokens like BTC, ETH, USDT, USDC, SOL, and BNB, which are exempt from haircut ratios, thus improving the borrowing power for clients. Additionally, an interest rebate program is being offered, allowing for reduced financing costs to the point of zero percent, contingent upon meeting specific performance criteria.
To qualify for these loans, companies must successfully complete the corporate verification process and either meet the VIP 5 trading volume thresholds or undergo a manual evaluation. Upon approval, firms can pledge collateral, keep track of loan-to-value ratios, and instantly utilize the borrowed assets with minimal latency.
Introducing #Binance Institutional Loans.
A cross-collateralized credit line offering up to 4x leverage across accounts to maximize capital efficiency, with interest rates that can be reduced to zero through an interest rebate program.
Learn more https://t.co/zUjwy3GzM4
— Binance VIP & Institutional (@BinanceVIP) July 3, 2025
Richart Teng, CEO of Binance, commented in a recent post on X, stating, “We’re continuously enhancing our offerings for institutional clients.” He added, “Binance Institutional Loans doesn’t just offer credit; it reimagines how institutions access liquidity across their entire portfolio.”
Reports indicate that Binance continues to attract large market participants, as evidenced by significant Bitcoin inflows. On May 22, when Bitcoin reached an all-time peak of $112,000, the average deposit per user at Binance jumped to 7 BTC, the highest amongst all exchanges. In contrast, Bitfinex recorded an average of 5 BTC, while OKX, Kraken, and Coinbase reported lower figures of 1.23, 0.7, and 0.8 BTC, respectively, reinforcing Binance’s status as the preferred exchange for major traders and whales.
Binance Launches AI-Driven Customizable Interface
Last month, Binance also launched “Binance UI Refined,” an innovative app interface that leverages AI-powered customization, allowing its 275 million users to personalize their trading homepages with adjustable widgets tailored to their experience levels and regional preferences. This redesign was unveiled as Binance celebrated its eighth anniversary, moving away from a uniform approach.
New additions include AI-driven tools such as the Trending Widget, which aggregates posts from X and Binance Square to spotlight cryptocurrencies that are gaining social media attention, as well as real-time sentiment analysis functions. Other customizable widgets enable users to track both spot and futures assets, monitor ETF flows, follow lead traders, and access yield products.
In addition, Binance is making strides into recently reopened markets. Following the U.S. Treasury’s easing of sanctions on Syria via General License 25, the exchange promptly restored full access to its platform for residents of Syria.
The information was originally reported as part of Binance’s announcement regarding the launch of Institutional Loans with leverage up to 4x and associated zero-interest offers.
