Binance Launches Institutional Loans for Corporate Users

Binance, a leading cryptocurrency exchange, has introduced Institutional Loans, a new financial product designed for its verified corporate users. This innovative offering provides up to 4x leverage using pooled balances across ten sub-accounts, aiming to enhance capital efficiency and facilitate faster trading decisions.

The Institutional Loans product was launched on July 3, 2025, specifically tailored for high-volume corporate users. Verified institutional clients can access large credit lines, with the requirement of either meeting VIP 5 trading status or receiving manual approval from Binance. Once approved, clients can borrow between 1 and 10 million USDC or USDT, secured by the combined net equity from up to ten linked sub-accounts. This cross-collateralized approach allows for faster execution by eliminating the need for manual fund transfers.

The borrowed funds are issued to a dedicated sub-account and can be utilized for trading across Binance’s Margin and Futures platforms. The collateral accepted includes over 400 supported assets, such as BTC, ETH, SOL, BNB, USDT, and USDC, each with its own collateral ratios and haircut policies. Spot assets are not subject to haircuts, enabling borrowers to access maximum value. Institutions can unlock zero-interest borrowing if they meet Binance’s defined performance criteria under its rebate program.

The application process for Binance Institutional Loans begins with confirming user eligibility through Know-Your-Business (KYB) verification. After verification, users must either achieve a certain level of trading volume (VIP 5) or obtain approval from Binance’s Margin Team. Once approved, users select which sub-accounts to use as collateral, and Binance sends the loan directly into a special account. Clients must monitor their loan-to-value (LTV) ratio, with margin calls triggered at 85% and liquidation initiated at 90% if additional collateral is not provided. Borrowed assets can be used immediately across Margin and Futures markets, supported by Binance’s infrastructure for low-latency execution, particularly beneficial for high-frequency trading strategies.

The launch of Binance Institutional Loans addresses a significant challenge for large-scale traders: accessing capital quickly when assets are distributed across multiple accounts. By pooling collateral and offering leverage through a centralized risk unit, the loan service enables institutions to act swiftly in volatile markets. This flexibility is crucial for use cases such as short-term arbitrage, where timing is essential. Instead of waiting for internal fund transfers, institutions can now deploy leveraged capital directly from their existing balances. Binance confirmed that access to this product depends on regional regulations and user eligibility, advising interested companies to contact their VIP representative or email vip@binancedotcom for assistance with onboarding.