Crypto exchange Binance introduced its Institutional Loans product on July 3, offering verified corporate users a new multi-account credit structure that supports up to 4x leverage. Available to VIP 5+ corporate users or firms assessed by Binance on a case-by-case basis, the product is aimed at capital-efficient trading for high-volume strategies. Binance CEO Richard Teng stated on social media platform X on July 4:

We’re continuously enhancing our offerings for institutional clients. Binance Institutional Loans doesn’t just offer credit, it reimagines how institutions access liquidity across their entire portfolio.

The company explained: “This cross-collateralized credit line enables you to borrow against the combined value of your multiple accounts. You can access up to 4x leverage without the friction of moving funds manually.” Binance Institutional Loans distinguished themselves from traditional margin lending by aggregating assets across Spot, Cross Margin, and Portfolio Margin accounts.

The crypto firm detailed: “Collateral can be pooled from up to ten linked sub-accounts, which may include any combination of Spot, Cross Margin, and Portfolio Margin accounts. Together, they form a risk unit, with the loan secured against the total net equity.” Binance continued:

Choose from over 400 supported assets. Standard haircut policies apply to Portfolio and Cross Margin collateral, while major Spot assets — including BTC, ETH, USDT, USDC, SOL, and BNB — are exempt from haircuts, giving you greater borrowing power.

The funds are credited to a dedicated sub-account, allowing immediate trading access across Margin and Futures markets. A notable feature of Binance Institutional Loans is the opportunity to secure 0% interest financing through an interest rebate program upon meeting defined performance criteria; otherwise, standard Binance interest rates apply. This structure is designed to reward high-volume traders while providing clear cost transparency.

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