KuCoin announced an upgrade to its Institutional Interest-Free Lending Program on Sept. 1, 2026, adding support for its Unified Trading Account (UTA), an account structure for managing capital across supported products. The change lowers the qualifying external 30-day trading-volume requirement for newly registered API clients from 30 million 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 borrowed funds usable across Spot, Margin and Futures without transfers between separate trading accounts. Borrowing is available in USDT, USDC, BTC and ETH. KuCoin introduced targeted interest-free credit in 2024 and expanded the maximum borrowing amount and supported assets in 2025. Alison Qin, Head of KuCoin Institutional & VIP, said the UTA integration brings financing closer to the accounts and products used by institutional strategies. Founded in 2017, KuCoin says it serves more than 45 million users across 200+ countries and regions and offers access to 1,500+ digital assets.