KuCoin Upgrades Institutional Lending To Improve Capital Infrastructure And Efficiency

KuCoin has upgraded its Institutional Interest-Free Lending Program to add support for its Unified Trading Account (UTA), the exchange announced on 1 September 2026.

The upgraded programme reduces the qualifying external 30-day trading-volume requirement for newly registered API clients from 30 million USDT to 10 million USDT. It also offers 0% interest for the first two months without any volume requirement attached. Eligible clients may borrow up to 3 million USDT for use across Spot, Margin and Futures.

According to KuCoin, capital can become fragmented between accounts as institutions operate across more products and strategies, adding costs and operational friction. Integrating lending with a unified account is intended to bring financing closer to execution, allowing professional teams to use collateral and deploy capital more efficiently.

UTA is an account framework that enables eligible users to manage capital across supported trading products through a single account structure. With lending integrated into the account, borrowed funds can be deployed across Spot, Margin and Futures without the need to transfer funds between separate trading accounts. Borrowing is available in USDT, USDC, BTC and ETH.

Alison Qin, Head of KuCoin Institutional & VIP

Alison Qin, Head of KuCoin Institutional & VIP commented:

"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. 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,"

KuCoin introduced targeted interest-free credit in 2024, offering eligible API traders and quantitative teams up to 500,000 USDT alongside fee benefits, enhanced connectivity, higher API limits and technical support. In 2025, borrowing capacity increased to 3 million USDT, with support for multiple borrowing assets and the ability to combine funds from sub-accounts as margin across eligible products. The 2026 upgrade marks the next stage of that development, moving the programme from targeted credit support toward more integrated institutional capital infrastructure.

The upgrade reflects KuCoin's broader approach to product development, which the exchange has built around how users access, manage, deploy and use digital assets. By connecting financing, account infrastructure and execution, KuCoin said it aims to provide institutions with practical tools for participating in the digital asset economy.

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