Binance to Raise FIL and HBAR Collateral Ratios to 60% on Nov. 13

Binance said it will raise the collateral ratios for Filecoin (FIL) and Hedera (HBAR) from 50% to 60% in Cross Margin and Portfolio Margin at 1 a.m. ET (06:00 UTC) on Friday, Nov. 13, according to the exchange. The 10-percentage-point adjustment will begin during an update window expected to last about 30 minutes.

Scope of the adjustment

• Cross Margin: Binance will revise both the borrow collateral ratio and the transfer-out collateral ratio for Filecoin and Hedera. Each relevant ratio will move from 50% to 60%, affecting two distinct account controls rather than only the treatment of assets used to secure a loan.
• Portfolio Margin: The headline collateral ratios for Filecoin and Hedera will rise from 50% to 60%, changing how both assets count as collateral in the product.
• Portfolio Margin Pro: Binance will make separate revisions to the tiered collateral rates for FIL and HBAR. The available notice does not specify the revised tier thresholds or individual rate values, so it does not support an exact account-level calculation.

The available announcement provides no asset-specific rationale and identifies no protocol incident or token-contract modification. It says the update follows earlier collateral-ratio adjustments but does not detail those earlier changes. The confirmed action is therefore a revision of exchange margin parameters rather than a change to Filecoin or Hedera themselves.

How the ratio changes

A move from 50% to 60% is a 10-percentage-point increase and a 20% rise relative to the former setting. Because collateral ratios determine how assets count, the same FIL or HBAR holding will carry a higher recognized collateral contribution after the revision, subject to the rules of the product in which it is used.

The revision concerns exchange risk parameters rather than the assets’ underlying economics. It changes how much exchange-held collateral Binance recognizes.

For an account using FIL or HBAR to support margin borrowing, the direct consequence is greater collateral capacity under the revised settings. The size of that increase depends on the account balance and applicable product rules.

What does this change for traders?

Cross Margin traders must assess two controls rather than one. The higher borrow ratio increases the collateral contribution from FIL and HBAR when those assets support a loan, while the higher transfer-out ratio changes their treatment when moved out. The two settings operate on different account actions, so evaluating only one would leave part of the revision unaccounted for.

Portfolio Margin users face a higher headline ratio for both assets. Portfolio Margin Pro users face tier-specific changes, which can produce different account-level effects depending on the tier assigned to FIL or HBAR. Because the revised Pro schedule is absent, users should wait for its parameters rather than assume a uniform 60% rate across all tiers.

The practical answer is straightforward: users who treat FIL or HBAR as margin collateral should recalculate borrowing and transfer-out capacity against the 60% settings, while Pro users should apply the revised tier schedule to their accounts. The change leaves the underlying tokens untouched but alters their collateral treatment inside Binance’s margin products.

Timing and execution

The update is scheduled to begin Friday, Nov. 13, at 1 a.m. ET, equivalent to 06:00 UTC, and should take about 30 minutes. That timetable gives traders a defined window in which old collateral assumptions may no longer match the configuration used for borrowing, transfer-out or portfolio-level calculations. Binance expects the revision to finish within roughly half an hour.

Traders should avoid initiating leveraged positions that depend on a precise FIL or HBAR collateral calculation during the update, and should review account balances and applicable product tiers once the new settings take effect. The available announcement does not say whether individual borrowing requests or transfers will pause, so neither uninterrupted service nor a full outage can be assumed.

The next checkpoint is the Nov. 13 update window: after the roughly 30-minute revision, the 60% Cross Margin and Portfolio Margin ratios, together with the separate Portfolio Margin Pro tiers, will set the collateral treatment of FIL and HBAR on Binance.