With a day still to go, if I get a DM saying “Collateral ratio adjustment service” or “I’ll set your uniMMR remotely,” I just close it for now. The official time is tomorrow, after all.
According to Binance’s official announcement, the borrowing and transfer collateral ratios for Cross Margin, the collateral ratio for Portfolio Margin, and the tiered collateral ratio for Portfolio Margin Pro (PM Pro) will be updated tomorrow (2026-11-13) at 06:00 UTC, or 2:00 p.m. Korea time. The update is expected to take about 30 minutes. The assets listed in the Cross and Portfolio Margin tables are FIL and HBAR, and their collateral ratios will change from 50% to 60%. Not all coins are increasing at once.
What changes tomorrow at 2 p.m.?
The notice is titled “Cross Margin · Portfolio Margin Collateral Ratio Update (2026-11-13).” The time is as stated above, and FIL and HBAR are listed in the table. The notice also has a separate tier table for the same assets under PM Pro. Don’t add other coin names or guess the tier numbers. Use the official table and your own margin screen as your reference.
If I’m using Cross Margin, should I worry about liquidation first?
The notice says the Cross Margin borrowing and transfer-out collateral ratio updates affect only the amount you can borrow and the transfer-out limit in Cross Margin. For Portfolio Margin, collateral ratios and leverage can affect uniMMR, so it says to check the screen directly for the possibility of liquidation or losses. I won’t scare you by claiming you’ll be liquidated, or recommend that you buy anything.
What if I get a message offering “collateral ratio adjustment services”?
Ignore it. Just check the margin screen and notice table in the official app or on the website. Don’t share your seed phrase or verification code, allow remote access, or open links claiming “We’ll adjust your uniMMR.” You might get a message today, but the official effective time is tomorrow at 2 p.m.
Just the questions
Q. Has the PM Pro tier table been expanded to include other coins?
A. The assets listed in the notice table are FIL and HBAR. Check only the official table for the tier numbers. Don’t assume it has been expanded to include other coins.
Q. If it goes from 50% to 60%, should I change it right now?
A. It takes effect tomorrow at 06:00 UTC (2 p.m.). You can just open the screen in advance to check it, and ignore anyone who says they can change it remotely for you.
Risk: With Portfolio Margin, uniMMR may vary based on what’s shown on your screen. This post is not a recommendation to trade.