The cryptocurrency lending landscape continues to evolve, offering users more flexibility and access to diverse digital assets. In a recent update, Binance has expanded its lending offerings by adding ACH, GHST, and SNT as borrowable assets across both its VIP Loan and Flexible Loan platforms. This enhancement strengthens Binance’s position as a leading platform for crypto-backed lending solutions, catering to both retail and institutional users seeking liquidity without selling their holdings.
These additions reflect growing demand for decentralized finance (DeFi)-related tokens and payment-focused cryptocurrencies in leveraged strategies, portfolio diversification, and yield optimization. With this update, eligible users can now leverage their existing crypto portfolios to borrow ACH (AllianceChain), GHST (Aavegotchi), and SNT (Status) — three assets with strong use cases in blockchain gaming, interoperability, and decentralized messaging ecosystems.
👉 Discover how flexible crypto lending can boost your financial strategy today.
Understanding Binance VIP Loans
Binance VIP Loans are designed for high-net-worth individuals and institutional clients who require customized, competitive lending terms backed by crypto assets. The service operates on an over-collateralized model, ensuring risk mitigation while providing clients with significant liquidity.
Key features of Binance VIP Loans include:
- Competitive interest rates tailored to client tier and borrowing volume
- Customizable loan terms, including duration and repayment schedules
- Access to a broad range of supported collateral assets
- Ability to borrow against holdings without triggering taxable events
By integrating ACH, GHST, and SNT into the VIP Loan platform, Binance enables advanced traders and long-term investors to utilize these niche but increasingly relevant tokens in sophisticated financial strategies — such as hedging positions, funding leveraged trades, or allocating capital toward high-potential DeFi projects.
This move also signals growing recognition of the value embedded in metaverse, gaming, and cross-chain infrastructure tokens — sectors that have seen renewed developer activity and user engagement in 2025.
Exploring Binance Flexible Loan: Over-Collateralized & Term-Free
In parallel, Binance has extended support for ACH, GHST, and SNT on its Flexible Loan product — a user-friendly, non-custodial lending solution that allows participants to borrow funds without fixed maturity dates.
Unlike traditional loans, Flexible Loans are:
- Over-collateralized: Users must deposit digital assets worth more than the amount they wish to borrow
- Open-ended: No fixed repayment date; borrowers can hold positions indefinitely as long as they maintain the required collateral ratio
- Yield-positive: Collateralized assets continue earning rewards through Binance’s Earn programs, such as Flexible Savings
For example, if you stake GHST in your Flexible Loan position, it may still accrue staking rewards or participate in promotional campaigns — effectively reducing your net borrowing cost over time.
This dual benefit — access to liquidity while maintaining yield generation — makes Flexible Loans particularly attractive for long-term holders who want to avoid realizing losses during market downturns or capitalize on short-term opportunities without divesting core holdings.
👉 Learn how you can unlock liquidity from your crypto portfolio instantly.
Why ACH, GHST, and SNT?
The inclusion of these three tokens is strategic and reflects broader market trends:
ACH (AllianceChain)
A payment-focused blockchain aiming to streamline cross-border transactions and fiat-to-crypto onboarding. As global remittance demand grows, ACH serves as a bridge between traditional finance and digital asset ecosystems.
GHST (Aavegotchi)
A utility token within the Aavegotchi NFT gaming universe, used for character upgrades, governance, and in-game purchases. With NFT-based gaming gaining traction again in 2025, GHST’s borrowing demand has increased among players and speculators alike.
SNT (Status Network Token)
Originally linked to the Status open-source messaging app built on Ethereum, SNT supports decentralized communication and wallet functionality. Its integration into lending platforms underscores renewed interest in privacy-preserving technologies and Web3 infrastructure.
These assets bring diversification benefits to borrowers and lenders alike, allowing users to tap into emerging sectors beyond mainstream blue-chip cryptocurrencies like BTC or ETH.
Keyword Integration & SEO Focus
Core keywords naturally integrated throughout this article include:
- Binance VIP Loan
- Flexible Loan platform
- crypto lending
- over-collateralized loans
- borrow ACH GHST SNT
- crypto-backed borrowing
- DeFi lending solutions
- liquidate crypto without selling
These terms align with high-intent search queries related to crypto financing options, ensuring visibility among users actively exploring ways to leverage their digital assets.
Frequently Asked Questions (FAQ)
Q: What does "over-collateralized" mean in crypto lending?
A: It means you must deposit more value in collateral than the amount you borrow. For example, to borrow $1,000 worth of a cryptocurrency, you might need to lock up $1,500 or more in another digital asset, depending on the loan-to-value ratio.
Q: Can I earn yield while using Flexible Loan?
A: Yes. One of the key advantages is that your collateral — such as staked ETH or other supported assets — can continue generating returns through Binance Earn products, helping offset borrowing costs.
Q: Are ACH, GHST, and SNT available as collateral or only as borrowable assets?
A: Currently, they are added as borrowable assets. Whether they can be used as collateral depends on future updates from Binance. Always check the latest asset list on the official borrowing page.
Q: Is there a minimum credit score or KYC level required for Binance VIP Loans?
A: While there's no traditional credit score system, VIP status requires higher account tiers based on trading volume and asset holdings. Enhanced KYC verification is mandatory for institutional-grade services.
Q: How often do loan terms and interest rates change?
A: Rates and availability are dynamic and subject to market conditions. Binance adjusts them regularly based on supply, demand, and risk assessments. Users should monitor the platform for real-time updates.
Q: Can I repay my Flexible Loan at any time?
A: Absolutely. There are no penalties or fixed terms — you can repay partially or fully at any moment, provided you meet margin requirements until closure.
👉 Start exploring top-tier crypto lending opportunities with one click.
Final Thoughts
Binance’s decision to add ACH, GHST, and SNT to its VIP and Flexible Loan platforms highlights the ongoing expansion of crypto-native financial services. These updates empower users with greater choice, improved capital efficiency, and seamless integration between earning, borrowing, and investing within a single ecosystem.
Whether you're a DeFi enthusiast leveraging GHST for gameplay financing or an investor using ACH exposure for cross-border strategies, these tools provide practical pathways to optimize digital asset utilization — all without exiting your positions.
As the line between traditional finance and decentralized innovation blurs further, platforms offering intelligent, yield-aware lending mechanisms will lead the next phase of adoption. Staying informed about new asset integrations and product enhancements ensures you remain ahead in this fast-moving space.