Binance announced an adjustment taking effect on November 13, 2026, at 06:00 (UTC), increasing the collateral ratio for $FIL and HBAR in cross margin and unified accounts from 50% to 60%.
๐ What does this mean?
If you hold $1,000 worth of either of these two coins:
Before the adjustment: $500 can be used as collateral
After the adjustment: $600 can be used as collateral
A 10-percentage-point increase in the collateral ratio, equivalent to a 20% increase in the collateral amount. But keep in mind: this is not an increase in the coinโs price, but an adjustment to the rules for using assets as collateral.
๐ Analysis:
Increasing the collateral ratio means Binance considers these two coins โmore reliableโ as collateral. For margin traders, this is a positive signal: with the same amount of coins, you can borrow more or free up more margin.
But pay attention to the details: the tiers were also adjusted in the Pro Unified Account. Before the adjustment, the tier up to $200,000 had a 100% ratio. After the adjustment, the 100% tier was extended to $800,000, and the higher tiers were adjusted accordingly. This means the actual impact on users with large positions could be greater than the simple change โfrom 50% to 60%.โ
๐ What this means for you:
1๏ธโฃ If you use FIL or HBAR as collateral: your liquidation risk may decrease because the collateral ratio is higher. But remember that the collateral ratio affects the Unified Maintenance Margin Ratio (uniMMR), so you need to monitor your account status.
2๏ธโฃ If you trade on margin: your borrowing capacity may increase, but margin trading itself carries liquidation risks. A higher collateral ratio does not make the market direction โsafeโ; it simply gives you more flexibility.
3๏ธโฃ The practical takeaway: this is a platform rule adjustment, not a bullish signal. Donโt enter a trade just because โBinance raised the ratio.โ First ask yourself: do you think FIL or HBAR have medium- to long-term value? If the answer is no, the change in the collateral ratio doesnโt matter.
๐ฌ Your take: Do you think Binance raising the collateral ratio is an โacknowledgment of the coinโs value,โ or just a risk-management adjustment? If you hold FIL or HBAR, would you increase your positions because of this?
๐ Share your opinion in the comments
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