KuCoin announced on Sept. 1, 2026 that it has expanded its Institutional Interest-Free Lending Program by integrating it with the exchange’s Unified Trading Account (UTA). The update allows eligible institutional clients to use borrowed capital across Spot, Margin and Futures from a single account structure, reducing the need to transfer funds between separate trading accounts.
Under the revised terms, newly registered API clients can qualify with 10 million USDT in external 30-day trading volume, down from the previous 30 million USDT threshold. The program offers 0% interest for the first two months without a trading-volume requirement, and eligible clients can borrow up to 3 million USDT. Borrowing is available in USDT, USDC, BTC and ETH.
The change aims to address capital fragmentation for institutional traders. By consolidating borrowed funds and collateral within a unified account, KuCoin says clients can keep financing closer to execution and maintain better control over risk. Borrowed assets can be deployed across supported products within the UTA, providing greater flexibility in collateral and capital allocation.
KuCoin first launched its institutional interest-free credit offering in 2024 with up to 500,000 USDT for eligible API traders and quantitative teams. In 2025, the exchange increased the borrowing limit to 3 million USDT, added multiple borrowing assets, and introduced the ability to combine funds held across sub-accounts as margin.
“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.”
