KuCoin Strengthens Institutional Lending With UTA Upgrade For Better Capital Flow

KuCoin said September 1 that it upgraded its Institutional Interest-Free Lending Program by integrating support for Unified Trading Accounts, or UTA. The change lets eligible clients deploy borrowed funds across Spot, Margin and Futures without moving capital between separate accounts, making the UTA integration a direct attempt to reduce institutional capital fragmentation and operational friction.

The upgrade also lowers the external 30-day trading-volume requirement for newly registered API clients from 30 million USDT to 10 million USDT and provides 0% interest for the first two months without a volume requirement. Eligible clients can borrow up to 3 million USDT, with USDT, USDC, BTC and ETH supported, while financing moves closer to the trading strategies and collateral institutions already manage.

KuCoin said the 2026 update advances a lending program first introduced in 2024 and expanded in 2025. By combining borrowing, unified account infrastructure and execution, capital efficiency now becomes the main test of KuCoin’s broader institutional lending model as professional users scale activity across multiple products.

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