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Binance Takes a Page from the Banks: Reducing Counterparty Risk


In short: Binance is reportedly in talks to offer institutional clients the option to secure their collateral outside of the exchange to reduce counterparty risk, following the FTX collapse last year. The proposal involves enabling clients to use bank deposits as collateral for margin trading in spot and derivatives. Binance is said to be discussing the setup with some professional clients and two potential intermediaries have been named: Swiss-based FlowBank and Liechtenstein-based Bank Frick. Details on the deliberations remain private, but both institutions have declined to comment. The proposal has not been finalized and is subject to potential modifications.

Our quick analysis:
Binance, one of the world's largest cryptocurrency exchanges, is reportedly looking to reduce counterparty risk through an innovative new proposal. This proposal would allow institutional clients to secure their collateral outside of the exchange — a move that has drawn widespread interest from digital-asset traders.

The proposal would enable customers to use bank deposits as collateral for margin trading in spot and derivatives. Possible intermediaries named in anonymous sources include Swiss-based FlowBank and Liechtenstein-based Bank Frick, but both financial institutions have declined to comment.

While the proposed arrangement is subject to potential modifications, one interpretation of the proposal would see clients' cash locked up at the bank via a tri-party agreement, while Binance lends them stablecoins to serve as collateral for margin trading. The cash held at the bank could then be invested in money-market funds to enable clients to earn interest and offset borrowing costs.

This move comes at a time when Binance is facing increased regulatory scrutiny, including a coordinated attack on the crypto industry by U.S. financial regulators. Binance was also recently shunned by Australian banks, and its derivatives license was canceled by the Australian Securities and Investments Commission over allegations of misleading and enabling retail investors in the country.

Nevertheless, this innovative new proposal puts Binance at the forefront of efforts to reduce counterparty risk and increase transparency in the digital-asset trading world. It remains to be seen whether other exchanges will follow suit, but for now, Binance seems poised to continue making waves in the crypto industry.

Image provided by Unsplash
Disclaimer: Our articles are NOT financial advice, and we are not financial advisors. Your investments are your own responsibility. Please do your own research and seek advice from a licensed financial advisor beforehand if needed.

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