Lending Services for Institutional and VIP Users

Low-interest, flexible, and convenient lending services designed for professional users.

VIP Financing Service Benefits

Join KCS events to unlock more benefits

Optimize Your Capital

Borrow up to 20 million USD

Up to 5x borrowing leverage

Margins can be aggregated across multiple accounts

Low-Interest Borrowing

Interest rates are quickly adjusted according to market conditions

Frequent promotions on interest discounts

Trade Freely

No limitations on trading types and cryptocurrencies

No restrictions on transfers or withdrawals within margin requirements

How to Apply

01

Contact Us

Contact your account manager or email vip_loan@kucoin.com with "VIP Financial Services" in the subject line.

02

Negotiate Terms

Negotiate specifics such as the loan amount, interest rate, LTV ratio, loan term, and more.

03

Receive Loan

Sign the contract and receive your loan.

FAQ

What is the difference between an Institutional Credit and a Margin Loan?

Institutional Loans are loans provided by KuCoin to Institutional and VIP users. Clients have the freedom to choose their desired borrowing leverage, with access to even larger borrowing amounts. Both margin and loaned assets can be used for trading, providing a greater degree of flexibility.

Margin trading is a method that lets users magnify their initial investment several times using a small amount of capital. Users collateralize a small amount of assets to borrow a fixed amount of crypto, allowing them to execute long (buy)/short (sell) positions with the goal of increasing their investment amount and optimizing capital use.

How and when will I receive my loan?

Your loan amount will directly be transferred to your KuCoin Trading Account. Users usually receive their loan amounts immediately after their loans are approved.

What fees are associated with Institutional and VIP Loans?

While no transaction fees are applied, interest must be paid on the borrowed amounts.

How is interest calculated and how do I pay?

Interest is calculated daily and deducted monthly on the same day of each month. If a payment is late, you will be charged at three times your normal interest rate for the duration of the grace period. If payments are still not made after the grace period, your position will be closed for repayment.

Are there Loan-to-Value (LTV) Ratio requirements for Institutional Loans?

The Loan-to-Value (LTV) Ratio is used to calculate the loan amount that can be provided to you based on your margin (collateral). Generally, the higher your leverage multiplier, the higher your LTV Ratio will be. For further details on specific requirements for Institutional Loans, please contact our VIP Services Team.