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Bitget Introduction to Institutional Loans（UTA）

2025/09/30
Bitget Introduction to Institutional Loans（UTA）
Bitget Institutional Lending is a borrowing service specifically for institutional clients. During the loan period, borrowers pay interest, while Bitget provides them with stable and cost-effective funding. The borrowed amount is credited directly to the funding account balance without the need to lock up collateral assets, thereby further enhancing capital utilization efficiency.

Product rules

Institutional Loans with 5x leverage for unified trading accounts

Product name
Institutional Loans with 5x leverage for unified trading accounts
Eligibility
Users of PRO1 and above with institutional identity verification (KYB)
Borrowable assets
USDT、USDC、BTC、ETH
Loan leverage
5x
Supported accounts
  • Unified trading accounts
  • Third-party custodial accounts and custodial trading sub-accounts are not supported.
Collateral assets
Collateral amount refers to the total USDT value of all institutional lending collateral assets in your unified trading account,more details：Institutional Loan Supporting Collateral Assets
Note: When placing a spot order, if you convert collateral assets for your institutional loans into non-collateral assets or collateral assets with a lower haircut, your LTV may reach or exceed the liquidation threshold, causing the order to be immediately liquidated. Please manage your risk to avoid potential asset losses.
Loan term
1–12 months
Interest calculation
Daily interest accrual and monthly interest settlement
Daily interest accrued = outstanding loan principal x daily interest rate
Lending account
Dedicated unified trading sub-account in the risk unit
Repayment rules
Repayment date:
  • The repayment date is mutually agreed upon offline and documented in the contract.
Repayment scenarios:
  1. Scheduled repayment (repay on the agreed-upon due date)
  2. Early repayment: You can also choose to repay the loan in advance.If repayment is made in the middle of the month, the repayment principal and interest generated from the 1st of this month until the repayment date.
  3. Liquidation repayment: If LTV ≥ 90%, the system will trigger liquidation repayment to lower the LTV to about 80% of the liquidation stop level.
Interest repayment rules
Interest will be automatically deducted and repaid on the first day of each calendar month.
Please ensure that sufficient interest funds are credited to your collateral account before the first day of each month to avoid any increase in your LTV ratio resulting from the automatic interest deduction.
Interest-free program
Institutional Loans offer the opportunity to secure 0% interest through an upon meeting monthly trading volume while otherwise adhering to Bitget Institutional loan interest costing. Please refer to Bitget Institutional Loan Interest-Free Program.

Risk Management

Risk unit rules
  • A risk unit is a group of unified trading sub-account user IDs that are bound together.
  • In a set of main account and sub-accounts, user IDs from different sub-accounts can be assigned to different risk units, but a user ID can only be bound to one risk unit.
  • Each risk unit can be bound with multiple user IDs, but they must come from the same set of main account and sub-accounts.
  • Each risk unit must designate a sub-account user ID in the risk unit as an exclusive sub-account for the loan service.
  • The risk unit can unbind its sub-accounts after the loan repayment in full, or can unbind an individual sub-account after its asset balance becomes zero.
  • OpenAPI can be used to bind unified trading sub-account user IDs to risk units. Refer to the Institutional Loan API for more details.
  • Each institution can create up to 10 risk units, with up to 150 sub-accounts in each risk unit.
Bitget Introduction to Institutional Loans（UTA） image 0
LTV calculation formula
  • Risk management of the risk unit is based on the loan-to-value ratio (LTV), which is calculated as follows: LTV = remaining borrowed amount ÷ risk unit asset value
  • Remaining borrowed amount = remaining unpaid principal + remaining unpaid interest
  • Risk unit asset value = Sum(Min(positive coin equity of collateral assets in the risk unit unified trading sub-account × USD index price × collateral ratio, maximum collateral value)) − Sum(negative coin equity of collateral assets in the risk unit unified trading sub-account × USD index price)
    • Coin equity = balance + reserved + unrealized PnL
  • Note: Positive assets converted − negative assets
LTV trading restrictions
  • ≥ 80%
    • Transfer restriction: The transfer of collateral assets in the unified trading sub-accounts within the risk unit to external accounts is restricted.
    • The maximum transferable amount is determined by the risk ratio (LTV). When the risk ratio is less than 80%, excessive collateral assets in the risk unit can be transferred to external accounts, on the premise that the risk ratio will not reach 80% after the transfer.
  • ≥ 85%
    • Spot buying restricted: Spot buying in the unified trading sub-accounts within the risk unit is restricted.
    • Futures position opening restricted: Futures position opening in the unified trading sub-accounts within the risk unit is restricted (including USDT-M Futures, Coin-M Futures, and USDC-M Futures).
  • ≥ 90%
    • Spot trading restricted: Spot buying and selling orders in unified trading sub-accounts within the risk unit are restricted.
    • Futures trading restricted: Futures orders in the unified trading sub-accounts within the risk unit are restricted (including USDT-M Futures, Coin-M Futures, and USDC-M Futures).
Liquidation (new process)
When the risk ratio reaches or exceeds 90%, the liquidation and repayment process will be triggered as follows:
1. Cancel open orders: Any open orders of spot, USDT-M and USDC-M perpetual futures, or Coin-M Futures in the UTA will be canceled.
2. No-loss payment: If the transferable assets in your UTA are sufficient for reducing the LTV to approximately 80%, the system will transfer available assets from your UTA for repayment to lower the LTV and end the liquidation.
When there is insufficient asset:
3. Transfer and convert balance for repayment: UTA balance in collateral coins of your institutional loan will be transferred and converted for repayment.
Example: A user has 3 BTC in their account and needs to repay 100,000 USDT for their institutional loan. Assuming the BTC-to-USDT exchange rate is 30,000 USDT (slippage included), the converted amount would be 90,000 USDT. After the repayment, the remaining debt amount would be 10,000 USDT.
4. Repay until 100% IMR: Transfer collateral coins with positive equity in your UTA until the initial margin rate (IMR) reaches 100% or above.
Example: A user needs to repay 100,000 USDT for their institutional loan and has 10,000 USDT in their UTA and 30,000 USDT in unrealized PnL. To reach a 100% IMR, a repayment of 20,000 USDT is required. 20,000 USDT will be transferred from the user's UTA for institutional loan repayment. The user's balance becomes −10,000 USDT, with an unrealized PnL of 30,000 USDT.
5. Repay until100% MMR: Transfer collateral coins with positive equity in your UTA until the maintenance margin rate (MMR) reaches 100% or above.
Example: A user needs to repay 100,000 USDT for their institutional loan and has 10,000 USDT in their UTA and 30,000 USDT in unrealized PnL. To reach a 100% MMR, a repayment of 20,000 USDT is required. 20,000 USDT will be transferred from the user's UTA for institutional loan repayment. The user's balance becomes –10,000 USDT, with an unrealized PnL of 30,000 USDT.
6. Address collateral shortfall: If all of the above steps are completed, but the collateral remains insufficient, trading and withdrawals of all user IDs in the risk unit will be restricted.
7.Liquidation settlement fee:
A settlement fee will be collected by the Loans Insurance Funds. Please monitor your risk level closely to avoid liquidation. Calculation formula:
Liquidation fee = liquidation asset × 2%.
8.Institutional loan liquidation and UTA liquidation
If a unified trading sub-account is already undergoing liquidation, it will be excluded from the liquidation triggered by an institutional loan.

Trading mode

Permissions
Main account (UTA)
Institutional loans dedicated sub-account (UTA)
Institutional loan sub-account (UTA)
Spot trading
  • Limit orders and market orders
Supported
Supported
Supported
Spot margin (UTA)
Supported
Supported
Supported
Futures trading
  • Limit orders and market orders
  • Post-only
  • Reduce-only
Supported
Not supported
Supported
Spot elite and copy trading
Not supported
Not supported
Not supported
Futures elite and copy trading
Not supported
Not supported
Not supported
Spot trading
  • Trigger order
  • OCO
  • TP/SL
  • Trailing stop
  • Iceberg order
  • TWAP
Spot trading bot
  • Spot grid
  • Spot Martingale
  • Spot position grid
  • Spot CTA
  • Spot auto-invest
  • Smart Portfolio
Not supported
Not supported
Not supported
Futures trading
  • Trigger order
  • Trailing stop
  • Scaled order
  • Iceberg order
  • TWAP
Futures trading bot
  • Futures grid
  • Futures Martingale
  • Futures position grid
  • Futures CTA
  • Futures quant bot
  • Futures signal bot
  • Funding rate arbitrage
Not supported
Not supported
Not supported
Convert
Not supported
Not supported
Not supported

LTV Calculation Case

The case is as follows, the client's loan amount is 200000U:

Account assets within the risk unit
UID Coin Coin equity of collateral assets USD index price Equity
100001 USDT 150,000 1 150,000
100001 USDC 100,000 1 100,000
100001 BTC 2 60,000 120,000
100002 USDT 200,000 1 200,000
100002 BTC -3 60,000 -180,000
100003 USDT 200,000 1 200,000
Currency assets
Coin Coin equity of collateral assets USD index price Equity
USDT 550,000 1 550,000
USDC 100,000 1 100,000
BTC -1 60,000 -60,000
Collateral Assets
Coin Collateral value ratio Maximum collateral value(USDT)
USDT 100% 1,000,000
USDC 95% 1,000,000
BTC 95% 1,000,000

Step 1: Calculate the unified account collateral assets
Converted assets=550,000 × 100%+100,000 × 95% -60000=585,000 U


Step 2: Calculate LTV
LTV=(remaining unpaid principal + remaining unpaid interest)÷ risk unit asset value (in USDT)=200,000/585,000=34.1%

FAQ

1.How do I apply for an institutional loan?
  • You must be PRO1 or above and have completed institutional identity verification (KYB). If you are an institution or a high-volume trader seeking greater flexibility, we will also assess your request.
  • Contact your relationship manager or send your inquiry to institution@bitget.com, and a dedicated BD will contact you.
2.What are the advantages of Institutional Loans?
  • Supports a wide range of collateral asset types.
  • Improves fund utilization by supporting up to 5x leverage for loan proceeds that are credited directly to the borrower's account, with no over-collateralization requirement.
  • Offers competitive interest rates and flexible borrowing amounts, and borrowers who reach certain trading thresholds may qualify for an interest exemption.
3.Can Institutional loans be transferred out of Bitget?
No. Our Institutional Loan offers “low-collateral, high-leverage ”financing to boost your trading scale and efficiency on Bitget. Unlike standard Credit Line, the funds are locked in a Risk Unit for internal trading only and are non-withdrawable
4.Supported trading pairs and collateral assets
5.Risk Unit Rule Explanation:
  • Risk Unit refers to a designated grouping of sub-accounts (UIDs). All sub-accounts within a single set must belong to the same master-sub account hierarchy.
  • Master accounts are not eligible to bind in Risk Unit, each sub-account UID can be linked to only one Risk Unit.
  • Each risk unit must designate one sub-account as the Dedicated Loan Sub-account.
  • A sub-account UID can only be unbound from the risk unit after all outstanding loans have been repaid, or its balance is zero.
  • Binding /Unbinding sub-account UIDs to a risk unit via OpenAPI is supported. For more details, please refer to ：Institutional Loan API.
6.Are there any trading restrictions on the Dedicated Loan Sub-account?
Yes. The dedicated loan sub-account does not support contract trading. We recommend using a sub-account that is not used for day-to-day trading to serve as the settlement account within the Risk Unit.
7.What are the prerequisites for binding a sub-account?
  • When joining a Risk Unit, all sub-accounts must ensure that the leverage of any existing contract positions does not exceed the leverage limit set for that Risk Unit.
  • Risk Unit derivatives leverage limits can be queried via the Institutional Loan API.
8.How is interest calculated?
Interest accrues on a daily basis starting from the date the loan funds are credited. The accrued interest is included in your Risk Unit liabilities. The system automatically charges interest on the 1st of each month; if you are eligible for an interest-free benefit, the interest rate will be automatically adjusted to 0% at the time of charging and settled accordingly.
9.What is the loan-to-value (LTV) ratio?
Risk management of the risk unit is based on the loan-to-value ratio (LTV), which is calculated as follows: LTV = (remaining unpaid principal + remaining unpaid interest)÷ risk unit asset value (in USDT).
You can manage your LTV ratio by transferring assets to/from your unified trading sub-account risk unit.
You can query the LTV ratio through OpenAPI. Refer to:Institutional Loan API.
10.Can margin be deposited into a custodial account for institutional loans (e.g., Cooper, Fireblocks custodial wallets)?
For risk control reasons, assets held in third-party custodial wallets or mirrored to a Bitget account cannot be used as collateral for institutional loans. Collateral for institutional loans must be locked within the Risk Unit.
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