- Beginning on September 29, Binance will transfer non-stock cryptocurrency from Funding Accounts to Spot.
- By January 2027, the Funding Account will be renamed the Stocks Account.
- Binance is separating its growing stock and options trading business from its cryptocurrency custody division.
Binance is restructuring its wallet system as it expands further into traditional financial products. Starting September 29, 2026, the exchange will begin moving non-stock crypto assets held in Funding Accounts to Spot Accounts. The Funding Account will also be renamed the “Stocks Account” by January 2027 and will be used primarily for stock and options settlement.
Source: Binance.com
Users who take no action will have their eligible crypto assets automatically transferred to Spot in batches beginning January 2027. Binance said the migration will happen on a 1:1 basis, meaning the total value of users’ assets will remain unchanged.
Binance Draws A Line Between Crypto & Stocks
The Funding Account will stop accepting on-chain crypto deposits from September 29. Six assets will remain available in the renamed Stocks Account for settlement: USD, USDC, USDT, USD1, U, and BNB. The restructuring comes as Binance has rapidly expanded its equity offering throughout 2026.
In June, the exchange launched more than 7,000 US stocks and ETFs for eligible non-US users, including fractional shares starting at $5. Binance’s stock trading service subsequently surpassed $1 billion in assets under management within its first 30 days, while trading volume topped $3 billion during the same period.
The expansion continued in September, when Binance introduced physically settled options covering more than 1,000 US stocks and ETFs. The options product uses the Funding Account for premium settlement. That growing stock ecosystem is now driving a clearer separation between crypto and traditional asset settlement.
Binance Doubles Down On Stablecoins For Stock Trading
Stablecoins are playing an increasingly important role in Binance’s equity products. USDC, USDT, USD1, U, and BNB will remain among the assets available for settlement, while other non-stock cryptocurrencies will move to Spot.
Binance has also expanded its tokenized-equity offering through bStocks on BNB Chain, creating another layer of stock exposure alongside its direct stock trading products.
The wallet restructuring reflects the different settlement requirements of these products. Crypto assets can remain within the Spot ecosystem, while stock and options transactions can use a dedicated settlement account.
Binance Warns Users To Move Funding Features To Spot
Users can update to the latest Binance app and access the One-Click Migration option from the Funding Account. Recurring Convert orders, P2P advertisements, and Binance Pay configurations currently linked to Funding may need to be redirected to Spot before the wallet transition is completed. Binance will notify users as automatic migrations begin in January 2027.
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