DUBAI, UAE, Aug. 6, 2026 — Bybit, the world's second-largest cryptocurrency exchange by trading volume, has increased Collateral Ratios across supported assets under its Unified Trading Account (UTA) Loans program. The update improves capital efficiency for traders with sizable positions by substantially increasing recognized collateral value at the upper end of the tier structure and expanding overall borrowing capacity.

Users holding major crypto assets — including ETH, SOL, BNB, DOGE, XRP, ADA, LINK, LTC, TRX, SHIB, PEPE, and DOT — as collateral can expect increased borrowing capacity, with the largest gains accruing to those holding significant single-asset positions.

The most impactful change applies to supersized positions. Under the previous framework, once a single asset's holdings exceeded a designated threshold, the Collateral Ratio for the excess portion dropped to zero, capping the collateral value a borrower could extract. Under the new structure, this top tier will carry a Collateral Ratio of approximately 10% to 80% depending on the asset, effectively removing the previous ceiling on potential collateral value and unlocking substantially greater borrowing capacity for users with large positions.

Collateral Ratios for other higher position tiers have also been raised across supported assets. This slows the rate at which collateral value tapers off as position size grows, allowing users with larger holdings to have more of their assets recognized as collateral.

The move comes as major exchanges compete to attract and retain institutional and high-net-worth traders who prioritize capital efficiency in lending and borrowing products. Higher collateral recognition means these users can deploy larger positions or access more liquidity without pledging additional assets, a meaningful operational advantage for active trading strategies.

"This update is especially meaningful for our institutional clients. With the increased Collateral Ratio, we're enabling institutions to pledge more of their holdings as effective collateral and access greater borrowing capacity for trading. Customer-centric improvements to UTA Loans reflect Bybit's broader transformation towards building a comprehensive, full-service New Financial Platform. Our goal is to support our clients in capturing all possible opportunities at the intersection of the digital asset class and mature global markets, including further integrations with traditional financial instruments and RWA, and expanding access to as well as the range of use cases of TradFi assets on Bybit," said Yoyee Wang, Vice President, TradFi-RWA, Bybit.

In July, Bybit added six xStock assets as eligible collateral for Margin Trading, Crypto Loans, and Institutional Loans, including NVDAX, HOODX, CRCLX, TSLAX, GOOGLX, and AAPLX. These additions advanced the integration of TradFi-linked assets into crypto-native infrastructure and helped retail and institutional traders holding xStock assets improve capital efficiency.

Base-tier Collateral Ratios remain unchanged across all supported assets. The system will automatically apply the updated Collateral Ratios when calculating collateral value, and no user action is required to access the benefits. Terms and conditions apply.

For details on availability and eligibility, users can visit the official announcement: UTA Loans collateral ratios increased.