Binance has now expanded its loan offerings for institutions with higher leverage, broader access, and fixed interest rates, despite the company's chief compliance officer (CCO) reportedly considering resigning.

The update raises the maximum leverage limit from 4x to 5x for all approved risk units. Know Your Business (KYB)-verified customers at VIP 1 and above can now qualify, instead of previously VIP 5.

What has changed in Binance's loan terms

The loan-to-value ratio (LTV) increased from 75% to 80%, while the transfer-out LTV went to 83%. Margin calls and liquidation levels remain at 85% and 90%, respectively.

Binance has also introduced loans with fixed interest rates and terms of 30, 60, and 90 days. Upon maturity, unpaid balances are transferred to the applicable variable interest rate.

Co-CEO Richard Teng presented the changes and said the platform continues to raise requirements for its institutional clients.

The Binance VIP account confirmed that existing customers were upgraded automatically.

Compliance leadership under pressure

At the same time, Chief Compliance Officer Noah Perlman is reported to be discussing leaving the company.

Bloomberg reported that Binance says Perlman does not have a confirmed end date and that no successor has been appointed.

Several other senior compliance employees have also left, including those who worked on sanctions, investigations, and combating financial crime.

Perlman joined Binance in 2023 after the company's $4.3 billion settlement with U.S. authorities.

The company says it has expanded its compliance staff by over 30% and reduced illegal exposure by 97% between January 2023 and June 2025.

Whether Binance can maintain these improvements despite staff turnover is likely to affect how regulators view the platform's compliance efforts in the coming months.