Collateral ratios rising tomorrow? Check margin and liquidation prices first

An increase in collateral ratios means that tomorrow (around 2026-10-23 06:00 UTC, or around 14:00 the same day in Asia/Shanghai), the share of certain assets recognized as collateral will change for Cross Margin, Portfolio Margin, and PM Pro. According to English-language announcement mirrors such as Tokenearly (around 2026-10-20 12:00 UTC; source: Binance EN), POL, SHIB, and XLM were listed as increasing from around 50% to 60%, while COW, NEXO, RVN, and SAND were listed as increasing from around 10% to 30%. The changes are said to take effect within about 30 minutes. An increase does not mean the coin is bound to rise, nor is it a signal to increase leverage. The main focus here is not an announcement checklist, but a pre-effective-time check of positions, uniMMR, and liquidation prices. The figures and tier table are based on “announcement and margin data”; for the final details, check Binance’s official English announcement and your account screen.
## What is a collateral ratio?
The collateral ratio determines how much of an asset is recognized as collateral in a Margin or Unified account. The collateral actually recognized may be less than the market price shown on screen multiplied by the amount you hold. If the ratio changes, your borrowing limit, transfer-out limit, and maintenance margin cushion may also change even if you hold the same amount. This notice appears to update the collateral ratios for borrowing and external transfers (Transfer-out) in Cross Margin, the collateral ratio for Portfolio Margin, and the tiered collateral ratios for Portfolio Margin Pro. Percentages, tier tables, and effective times may be presented differently across news reports and mirrors, so confirm the final figures only through the official notice, margin data, and your own account screen.
## Why check uniMMR?
The notice states that in Portfolio Margin, collateral ratios and leverage affect the unified maintenance margin ratio (uniMMR). A lower uniMMR may increase the risk of liquidation or forced position reduction. It also distinguishes Cross Margin borrowing and transfer ratios—which mainly affect “how much you can borrow or move out”—from the uniMMR mechanics of a Unified account, which should be checked separately. Don’t interpret “the ratio went up” as “it’s safer” or “the price will go up.” Even with the same position, the figures on screen may change if collateral recognition, debt, or maintenance margin rules change.
## Where can I check the liquidation price?
Check the liquidation price, maintenance margin, and margin level (or uniMMR) for each position in the Margin, Futures, or Unified account screen in the app or on the website. The example tickers mentioned in news reports may differ from the assets you hold, and the values shown vary depending on VIP status, mode, cross/isolated margin, and PM Pro tier. Don’t rely blindly on social media screenshots or third-party calculators; use the figures in your logged-in account. Liquidation prices can move quickly as prices, collateral, debt, fees, and funding interact. Don’t assume “the liquidation price I saw yesterday will be the same tomorrow.”
## What should I check before tomorrow?
(1) Whether you hold or use as collateral any of POL, SHIB, XLM, COW, NEXO, RVN, SAND, or other assets; (2) whether you’re exposed through Cross Margin, Portfolio Margin, or PM Pro; (3) your current uniMMR, margin level, and liquidation price; (4) whether to lower leverage or add more margin; (5) whether to reduce unnecessary borrowing or transfer limits; and (6) whether to check your alerts and account screen again around the effective time (approximately 2026-10-23 06:00 UTC, within an approximately 30-minute window). “Increase leverage before the change” and “just buy this coin” are not strategies being recommended here. The main article is a pre-effective-date self-check guide and does not recommend trading any specific leverage multiple or ticker.
## Frequently asked questions
**Q. If the collateral ratio goes up, will that coin’s price rise?**  
A. No. A change in collateral parameters ≠ a price prediction or guaranteed rise. This article does not provide price targets or buy signals.
**Q. Why check uniMMR?**  
A. In Portfolio Margin, collateral ratios and leverage can affect uniMMR. If it falls, liquidation risk may increase, so check your account screen.
**Q. Are the effects the same for Cross Margin and Portfolio Margin?**  
A. According to the notice, Cross Margin borrowing and transfer ratios affect how much you can borrow or move, while the PM ratios affect the uniMMR mechanics. The official notice and your account are the final reference.
**Q. Are the percentages and tier table final?**  
A. These are examples based on English notice mirrors and reports, including Tokenearly. For the exact percentages, tiers, and time, refer to Binance’s official English notice and margin data.
**Q. Do I have to close my positions before tomorrow?**  
A. This article does not instruct you to forcibly liquidate or close all positions. Check your leverage, margin, and liquidation price yourself, and maintain positions only within your risk tolerance.
## Risk disclosure
Digital assets, margin, leverage, and Unified accounts involve price volatility, collateral ratio, maintenance margin, liquidation, operational, and regulatory risks that may result in the loss of your entire principal. This article is a pre-effective-date guide to checking your positions and uniMMR, based on Binance’s Cross Margin, Portfolio Margin, and PM Pro collateral ratio update (effective approximately 2026-10-23 06:00 UTC; based on the English notice mirror from Tokenearly and reports from DigitalToday KR, TokenPost, AiCoin, and others). It is not investment advice, a guarantee of returns, a price prediction, a recommendation to increase leverage, or a recommendation to trade any specific ticker. Ratios, tiers, times, and availability may change, so refer to Binance’s official English notice, margin data, and your account screen for the final information.