Nikolas Sargeant
Binance, the world’s leading cryptocurrency exchange by daily trading volume, announced on Monday, May 11th, that it has expanded access to Binance Institutional Loan, making the product available to all KYB-verified VIP clients.
In a press release shared with Cryptowisser, Binance said this move is a significant broadening from the previous requirement of VIP 5 or above.
Binance Enhances Institutional Lending With Interest Rebates, Expanded Access, and Increased Leverage
According to the company, the expansion is accompanied by a suite of product enhancements designed to give institutional borrowers greater capital efficiency, more predictable financing costs, and stronger incentives tied to trading activity.
While commenting on this expansion, Catherine Chen, Head of VIP & Institutional at Binance, stated that,
“Institutional clients need fast, flexible, and capital-efficient access to liquidity,” said. “Binance Institutional Loan helps clients borrow against combined account equity without moving collateral between accounts. With eligibility now expanded to all KYB-verified VIP clients, more institutional participants can access this efficient financing solution.”
Binance revealed that under the expansion, eligibility for Institutional Loan has been broadened from KYB-verified VIP 5+ users to all KYB-verified VIP users, substantially increasing product accessibility for more users.
Starting from June 1, 2026, borrowers may also qualify for full monthly interest rebates through Binance’s Interest Rebate Program by meeting performance targets tied to incremental trading volume share, Open Interest, or Net Asset Value. The program covers borrowing in USDT, USDC, BTC, and $U (United Stables), up to $10 million.
The company further revealed that it has raised the leverage cap for eligible clients from 4x to 5x, with the update applying automatically to both existing and newly onboarded users. In addition, Initial LTV has increased from 75% to 80%, and Transfer-Out LTV (excluding spot collateral) has increased from 75% to 83%, while Margin Call and Liquidation LTV thresholds remain unchanged at 85% and 90%, respectively.
Thanks to this latest development, the product now also supports fixed-rate term loans with 30-, 60-, and 90-day durations, giving institutional borrowers more flexibility and predictability in managing financing costs.
Binance Institutional Loan enables institutional clients to aggregate collateral across up to 10 sub-accounts to borrow USDC or USDT for Margin and Futures trading, with loan limits from $1 million to $10 million. KYB-verified clients at VIP 1 and above are eligible.
This latest development comes a week after Binance launched Withdraw Protection, a new user-centric security feature that gives users greater control over the safety of their digital assets.
Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users.
It is trusted by more than 310 million people in 100+ countries for its industry-leading security, transparency, trading engine speed, protections for investors, and unmatched portfolio of digital asset products and offerings from trading and finance to education, research, social good, payments, institutional services, and Web3 features.
Binance is devoted to building an inclusive crypto ecosystem to increase the freedom of money and financial access for people around the world with crypto as the fundamental means.
Binance VIP & Institutional empowers institutions and private wealth clients with robust asset management infrastructure, personalized VIP services, and advanced end-to-end institutional trading tools on the world's largest cryptocurrency exchange by trading volume and registered users.
With deep financial services experience in both traditional and crypto markets, its global team of trusted experts provides VIP & Institutional clients with the support they need to confidently capitalize on the industry's deepest liquidity and tightest markets.
