KuCoin Integrates Institutional Lending With Unified Trading Accounts

KuCoin has expanded its <a href="https://xpertsstudio.com/xrp-ledger-rolls-out-institutional-defi-suite-as-token-drops-16/” title=”XRP Ledger Rolls Out Institutional DeFi Suite as Token Drops 16%”>Institutional Interest-Free Lending Program by integrating it with the exchange’s Unified Trading Account (UTA), allowing eligible institutional clients to deploy borrowed assets across multiple trading products through a single account structure.

Lower Entry Requirements and Unified Capital Access

Under the updated terms, newly registered API clients now need 10 million USDT in external 30-day trading volume to qualify, down from the previous 30 million USDT threshold. The program also provides 0% interest for the first two months without a volume requirement, while eligible clients can borrow up to 3 million USDT.

Borrowing is available in USDT, USDC, BTC and ETH. Through the UTA integration, funds can be used across Spot, Margin and Futures without requiring transfers between separate trading accounts.

The changes are designed to address capital fragmentation for institutional traders operating across different products and strategies. Consolidating borrowed funds and collateral within a unified account can reduce the need to move capital between accounts while keeping financing closer to trading execution.

Institutional Lending Expanded Since 2024

KuCoin first introduced targeted interest-free credit for institutional users in 2024, offering eligible API traders and quantitative teams borrowing of up to 500,000 USDT alongside fee benefits, higher API limits, enhanced connectivity and technical support.

The exchange increased the borrowing limit to 3 million USDT in 2025 and added support for multiple borrowing assets. It also introduced the ability to combine funds held across sub-accounts as margin for eligible products.

“Professional market participants need timely, flexible and capital-efficient access to liquidity. Effective institutional lending infrastructure must combine financing at scale, tailored terms and competitive pricing so clients can execute sophisticated strategies with confidence,” said Alison Qin, Head of KuCoin Institutional & VIP. “By integrating lending with UTA, we are bringing capital closer to the accounts and products behind those strategies, making it easier to deploy while helping clients maintain control over execution and risk.”

The latest update continues that development by combining lending, collateral management and trading execution within KuCoin’s institutional account infrastructure.

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

Source: cryptodaily.co.uk