The upgraded program lowers the entry barrier for new API clients, slashing the 30-day trading volume requirement from 30 million to 10 million USDT. Eligible participants receive 0% interest for the first two months, regardless of their trading volume, and can borrow up to 3 million USDT in assets including BTC, ETH, USDT, and USDC.

By embedding lending directly into the Unified Trading Account (UTA), KuCoin aims to eliminate the friction caused by fragmented capital. Previously, professional teams often faced higher costs and execution delays when moving collateral between separate accounts. Now, liquidity is tethered directly to the execution environment, allowing for more agile strategy deployment.

Alison Qin, Head of KuCoin Institutional & VIP, noted that the move is designed to provide the flexibility required for sophisticated market participants. This development follows a two-year evolution of the exchange’s institutional credit offerings, which have scaled from 500,000 USDT in 2024 to the current 3 million USDT capacity. The integration represents a broader push to standardize institutional infrastructure, moving beyond simple credit lines toward a cohesive ecosystem for digital asset management.