Binance Shakes Up Crypto Lending: Zero-Interest Institutional Loans With 4x Leverage Now Live
Binance just dropped a bombshell for institutional players—zero-interest loans with 4x leverage. Traders, meet your new liquidity lifeline.
Wall Street’s playbook, but with crypto rules. Institutions can now amplify their positions without the usual interest-rate shackles. The catch? You’ll need deep pockets to qualify.
Leverage cuts both ways, of course. While 4x fuel can rocket returns, it’s also a one-way ticket to liquidation city if markets turn. Proceed with collateral—and maybe a stiff drink.
Another day, another crypto product dressed in traditional finance clothing. At least this one skips the loan officer’s judgmental stare.
Binance Loans Enable Instant Margin Access via Dedicated Accounts
Borrowed funds are credited to a dedicated Portfolio Margin, Portfolio Margin Pro, or Cross Margin account, enabling instant deployment across Binance’s Margin and Futures markets.
Borrowers can access loans between 1 to 10 million USDC or USDT, secured against net equity across their collateralized accounts.
Binance’s program supports over 400 collateral assets, with major Spot tokens like BTC, ETH, USDT, USDC, SOL, and BNB exempt from haircut ratios, giving clients greater borrowing power.
An interest rebate program is also available, offering a path to 0% financing if performance criteria are met.
To qualify, firms must complete corporate verification and meet VIP 5 trading volume thresholds or undergo a manual assessment.
Once approved, they can pledge collateral, monitor loan-to-value ratios, and immediately deploy borrowed assets with spot-like latency.
Introducing #Binance Institutional Loans.
A cross-collateralized credit line offering up to 4x leverage across accounts to maximize capital efficiency, with interest rates that can be reduced to zero through an interest rebate program.
Learn more
https://t.co/zUjwy3GzM4
“We’re continuously enhancing our offerings for institutional clients,” Binance CEO Richart Teng wrote in a recent post on X.
“Binance Institutional Loans doesn’t just offer credit, it reimagines how institutions access liquidity across their entire portfolio,” he added.
As reported, Binance continues to demonstrate its appeal to large market participants through Bitcoin inflows.
On May 22, when bitcoin surged to an all-time high of $112,000, the average Bitcoin deposit to Binance spiked to 7 BTC, the highest among all exchanges.
For comparison, Bitfinex saw an average of 5 BTC, while OKX, Kraken, and Coinbase recorded lower figures — 1.23, 0.7, and 0.8 BTC, respectively. These numbers suggest Binance is the preferred venue for whales and high-volume traders.
Binance Unveils AI-Powered Customizable Interface
Last month, Binance launched “Binance UI Refined,” a new app interface offering AI-powered customization that lets its 275 million users tailor their trading homepages with drag-and-drop widgets suited to their experience level and regional preferences.
The redesign, announced ahead of Binance’s eighth anniversary, aims to break away from a one-size-fits-all approach.
New features include AI widgets like the Trending Widget, which scans posts from X and Binance Square to highlight coins gaining social media traction, alongside real-time sentiment analysis.
Other widgets let users monitor spot and futures assets, track ETF flows, follow lead traders, and access yield products.
Meanwhile, Binance is also expanding into newly reopened markets. After the U.S. Treasury eased sanctions on Syria through General License 25, Binance quickly reinstated full access to its platform for Syrian residents.
