Institutional Loan Program updates: Lower volume thresholds and new criteria

To strengthen capital efficiency and better support our institutional partners, Bybit is introducing key upgrades to the Interest-Free Loan Program.

*Users can obtain borrowing limits by meeting either maker or taker requirements in Derivatives and/or Spot, trading.

The borrowing limits derived from Spot, Derivatives, Open Interest Daily Average and Equity Daily Average can be combined with a maximum loan cap of 10 million USDT/USDC.

Applications are now open. The first month will serve as an adjustment period. Formal assessment begins on Apr 1, 2026, 12AM UTC.

Eligibility: Open to all KYB users.

You may contact your dedicated Relationship Manager to accurately assess your eligibility and proceed with the application.

What’s new

1. Lower trading volume threshold

Minimum trading volume requirements have been lowered, allowing more clients to access funding.

This change reflects:

- Current market conditions

- Institutional capital rotation cycles

- Our commitment to broader liquidity support

2. Equity-based qualification

Clients may now qualify for loan quotas based on verified account equity, in addition to trading volume.

This allows:

- Capital-strong but lower-frequency traders to qualify

- Long-term holders to unlock liquidity

- More flexible capital deployment strategies

Loan quotas will be assessed proportionally to verified account equity and subject to internal risk review.

3. Open Interest (OI)-based qualification

A new eligibility pathway based on Average Open Interest (OI) has been introduced.

Institutional clients maintaining meaningful derivatives exposure may now apply based on their Average Open Interest levels.

This ensures that active derivatives traders can benefit from the program even when short-term trading volume fluctuates.

Why we upgraded the program?

Our goal with these changes is to provide a more rational, performance-aligned, and inclusive funding framework for institutional clients.

The updated framework is designed to:

- Improve capital efficiency across different trading styles

- Support both flow-driven and position-driven institutions

- Reduce participation friction

- Align liquidity support with actual exposure and risk contribution

Terms and Conditions

Terms and Conditions apply. Please refer to the full Terms and Conditions here.

Bybit reserves the right to the final interpretation. Loan approval is subject to internal risk assessment, quota availability, and compliance review.