Binance opens institutional crypto loans to all KYB-verified VIP clients

Binance has expanded access to its Institutional Loan product to all KYB-verified VIP clients while introducing higher leverage limits, fixed-rate borrowing terms, and a new interest rebate program tied to trading activity.

According to a May 11 press release, Binance said the update removes the earlier VIP 5 requirement, allowing all KYB-verified VIP users to access the institutional borrowing product. The exchange also raised the leverage cap from 4x to 5x for eligible clients, with the change applying automatically to existing and newly onboarded users.

Under the revised structure, Initial Loan-to-Value ratios have increased from 75% to 80%, while Transfer-Out LTV, excluding spot collateral, has risen from 75% to 83%. Binance said Margin Call and Liquidation thresholds remain unchanged at 85% and 90%.

Institutional borrowers can now access fixed-rate term loans with 30-day, 60-day, and 90-day durations. Binance said the addition is intended to help clients manage financing costs with more certainty while using borrowed capital for Margin and Futures trading.

“Institutional clients need fast, flexible and capital-efficient access to liquidity,” Catherine Chen, Head of VIP & Institutional at Binance, said. 

Chen added that the product allows clients to borrow against combined account equity without transferring collateral between accounts.

Effective June 1, 2026, Binance said borrowers may qualify for full monthly interest rebates through its Interest Rebate Program by meeting targets linked to incremental trading volume share, Open Interest, or Net Asset Value growth.

According to Binance, the rebate program applies to borrowing in USDT, USDC, BTC, and $U, also known as United Stables, with loan coverage reaching up to $10 million.

The exchange said Institutional Loan lets clients combine collateral across as many as 10 sub-accounts when borrowing USDC or USDT. Binance added that the product remains available to KYB-verified clients starting from VIP 1 status.

The expansion comes days after Bloomberg reported that the U.S. Treasury had pressed Binance over compliance obligations tied to its 2023 settlement with U.S. authorities. Bloomberg said Treasury officials sought employee interviews and records connected to possible sanctions violations involving Iran-linked entities. Binance said last week that it remained engaged with the monitor and U.S. agencies.

A February Senate letter reviewed by crypto.news had also urged the Treasury Department and the DOJ to examine Binance’s sanctions controls following reports tied to Iran-linked crypto activity.