PROVIDENCIALES, Turks and Caicos Islands, Sept. 1, 2026 – KuCoin has expanded its Institutional Interest-Free Lending Program by integrating it with the exchange’s Unified Trading Account (UTA), allowing eligible institutional clients to use borrowed capital across Spot, Margin and Futures from a single account structure.
Under the updated 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 also provides 0% interest for the first two months without a trading-volume requirement, while eligible clients can borrow up to 3 million USDT.
The UTA integration is designed to reduce the need to move funds between separate trading accounts. Borrowed assets can be used across supported products within the unified account, giving institutional participants greater flexibility in how they allocate collateral and capital. Borrowing is available in USDT, USDC, BTC and ETH.
The latest update builds on KuCoin’s institutional lending offering launched in 2024, when eligible API traders and quantitative teams could access up to 500,000 USDT in interest-free credit alongside fee benefits, higher API limits, enhanced connectivity and technical support. In 2025, the borrowing limit increased to 3 million USDT and the program added support for multiple borrowing assets and the use of funds from sub-accounts as margin across 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 2026 update extends that development by connecting institutional lending more directly with KuCoin’s account and trading infrastructure. The company said the integration is intended to simplify capital deployment across trading products while reducing operational friction for institutional participants.
