According to the announcement KuCoin, the platform has integrated the unified trading account (UTA) into the institutional interest-free lending program, further consolidating financing and trading functions for institutional clients. After this adjustment, eligible institutions will be able to allocate borrowed funds uniformly among spot, leveraged, and futures products, reducing the operational costs associated with repeated transfers between different accounts.
Lowered entry requirements for new customers
After this upgrade, the external 30-day trading volume requirement for newly registered API customers has been lowered from 30 million USDT to 10 million USDT. KuCoin also states that eligible customers can enjoy a 0% interest rate for the first two months, and there will be no trading volume requirement during this period.
According to platform disclosures, qualified institutions can currently borrow up to 3 million USDT. The assets that can be borrowed include USDT, USDC, Bitcoin, and Ethereum. The borrowed funds can be directly used for spot, leveraged, and futures trading.
- New API customer threshold lowered to 10 million USDT
- 0% interest rate available for the first two months
- The maximum loan amount is 3 million USDT.
Unified accounts to reduce capital dispersion
KuCoin indicates that institutional clients often operate multiple types of strategies simultaneously. If different products use separate accounts, funds can become dispersed, and the execution efficiency may also be affected. The design of UTA is to manage multiple types of trading products within the same account structure, thereby reducing the frequency of cross-account transfers.
After the lending function is integrated with UTA, institutions do not need to transfer the borrowed funds between multiple accounts before they can be directly deployed into related trading products. The platform states that this arrangement helps to bring financing closer to actual transaction execution and also facilitates professional trading teams in managing collateral and positions more efficiently.
Institutional lending quotas have been expanded compared to earlier times.
KuCoin Introduction: This targeted interest-free credit plan was initially launched in 2024, mainly targeting eligible API trading customers and quantitative teams. The initial credit limit was up to 500,000 USDT. Additionally, support for handling fees, higher API limits, and technical assistance were provided as part of the service.
By 2025, the lending limit of this plan has been increased to 3 million USDT, and a variety of lending assets have been added for support. Customers are also allowed to merge funds from their sub-accounts to use them as margin for eligible products. This integration with UTA signifies that the platform has further streamlined its lending, account management, and transaction execution systems.
KuCoin It is also mentioned that the platform was established in 2017 and currently serves over 200 countries and regions, with more than 45 million users. The company states that its compliance efforts include completing AUSTRAC registration in Australia, obtaining MiCA licenses in Europe, and making progress with regulatory initiatives in other markets.
Additional information:The statements regarding quotas, interest rate discounts, and entry barriers in the text are all disclosed unilaterally by KuCoin. The number of institutional clients corresponding to this upgrade or the actual scale of loans issued have not been disclosed.
