Binance, the world’s leading cryptocurrency exchange, has officially rolled out Institutional Loans, a powerful new lending solution tailored for verified corporate users. Announced on July 3, 2025, the service is designed to improve capital efficiency by offering high-volume clients up to 4x leverage through a cross-collateralized structure—eliminating delays caused by fragmented funds across sub-accounts.
This exclusive offering is aimed at Binance's VIP 5 clients or those who receive manual approval from its Margin Team. Qualified institutions can now borrow between $1 million and $10 million in USDC or USDT, secured by the combined net equity of up to ten linked sub-accounts.
According to Binance CEO Richard Teng, the Institutional Loans product significantly enhances speed and efficiency, allowing for near-instant access to leveraged capital without the need to consolidate funds across multiple accounts manually.
The standout feature of this product is its cross-collateralized model, which pools assets from multiple account types—including Spot, Margin, and Futures—to unlock maximum borrowing power.
With over 400 supported collateral assets such as BTC, ETH, SOL, BNB, USDC, and USDT, institutions can customize their capital strategy. Notably, spot assets are exempt from haircuts, enabling borrowers to unlock their full value.
The loans are deployed to a dedicated sub-account and can be used on Cross Margin, Portfolio Margin, or Portfolio Margin Pro—supporting seamless trading across Binance’s robust Margin and Futures platforms.
Binance also offers zero-interest borrowing for institutions that meet specific performance criteria under its rebate program.
To access Institutional Loans, clients must first pass Know Your Business (KYB) verification, a compliance measure that confirms the legal identity of the institution. Once approved, clients can designate sub-accounts as collateral sources.
Loan proceeds are deposited directly into a pre-configured special margin account, ready for immediate trading use. Clients must monitor their Loan-to-Value (LTV) ratio, with margin calls triggered at 85% and liquidation at 90%, should collateral levels fall too low.
The system supports low-latency execution, ideal for high-frequency trading and short-term arbitrage opportunities. Institutions can further enhance performance by integrating Margin Special API Keys with Portfolio Margin setups.
Historically, institutions faced a major challenge in crypto markets: capital inefficiency caused by fragmented funds across multiple accounts. With the introduction of cross-collateralized Institutional Loans, Binance has removed a major bottleneck for institutional capital deployment.
The product allows faster decision-making during market volatility, enabling clients to act on opportunities without needing to shift assets manually.
Access to Binance Institutional Loans depends on regulatory conditions in each region and the eligibility of the user. Interested companies are encouraged to contact their VIP representative or reach out via vip@binance.com to begin onboarding.
Meanwhile, Binance continues to dominate the DeFi sector. Its Binance Smart Chain (BSC) recently recorded $5.8 billion in 24-hour decentralized exchange (DEX) trading volume—surpassing the combined total of Solana and Ethereum.
July 2025, Cryptoniteuae