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Binance announced on its website that it updated collateral ratios for several assets under its VIP Loan product, effective November 12, 2025, at 00:00 UTC. This update prompts users to monitor their loan-to-value ratios to avoid potential liquidations.
According to Binance’s official announcement, the changes will apply to assets including DYDX (dYdX), ATOM (Cosmos), ACE (Fusionist), GRT (The Graph), CHZ (Chiliz), AEVO, THETA (Theta Network), GMT, 1000SATS, MEME, ONE (Harmony), LUNC (Terra Classic), LUNA (Terra), HOOK (Hooked Protocol), and MAGIC (Treasure). The update is part of Binance’s routine risk-management framework for over-collateralized loans. It aims to align collateral factors with current asset volatility and liquidity conditions. Binance explicitly warned that amendments to these collateral ratios may affect users’ loan-to-value metrics and emphasized that users must monitor their positions to avoid liquidation or losses.
The announcement further said that users borrowing via VIP Loan must account for the revised collateral ratios which effectively reduce the borrowing value of listed assets once the change takes effect. For example, if an asset’s collateral factor is lowered, a borrower must post more of that asset or reduce the loan size to maintain the same loan-to-value ratio; failing to adjust may trigger margin calls or liquidation. Binance also reinforced that it is not responsible for losses stemming from users’ failure to adjust collateral under the new structure.
