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FIGR_HELOC $1.03 Binance starts moving crypto out of Funding Accounts ahead of stocks rename
Binance has begun shifting non-stock crypto from Funding Accounts into Spot Accounts, with a rename to Stocks Accounts planned for January 2027.
Key takeaways
- Deposits stopped. Funding Accounts stopped taking direct on-chain crypto deposits on Sept. 29.
- Stocks rename in January 2027. Funding Accounts become Stocks Accounts in January 2027 for stock and stock-option settlement.
- Value is unchanged. Binance says the migration does not change the total value of user assets.
What happened
Binance stopped accepting direct on-chain crypto deposits into Funding Accounts on Sept. 29, and crypto that is not stock is moving from Funding into Spot Accounts. Binance says the process is gradual rather than a single switch. Bitcoin, Ether and other regular crypto balances in Funding will move to Spot, and Binance says users' total asset value is unchanged.
Binance Pay receipts now land in Spot, and Convert orders settle in Spot too. Limit orders already backed by assets frozen in Funding stay open and settle into Spot after Sept. 29. Binance suggests users switch a Convert plan's account selection from Funding to Spot, and it advises API users to update their account references to Spot.
P2P users are split by type. Binance's FAQ says non-merchant users with no ads in the past three months will get Spot as the priority account for buy and sell orders once they update the Binance app, while advertisers keep using Funding for now, ahead of a dedicated P2P Account planned for December 2026. Assets received through Binance Card and gift-card activity also move into Spot Accounts.
Why it matters
Funding Accounts will be renamed Stocks Accounts in January 2027 and will be used mainly for stock and stock-option settlement, with a limited set of settlement assets that includes USD, USDC, USDT, USD1, U and BNB. Binance has been building out tokenized stock and stock-option products, and the notice separates those instruments from ordinary crypto balances.
For users, this is an internal change to account architecture, not a forced sale or liquidation. Binance says the migration does not change the total value of user assets, and historical transaction labels stay in place. Some recurring payment or Convert settings that depend on Funding may need updates, though recurring Pay sends funded only from Funding can keep running while Funding is still an available source.
What the data shows
Binance lists USD, USDC, USDT, USD1, U and BNB among the settlement assets for the future Stocks Account.
Assets left in Funding after voluntary transfers will be moved automatically in batches starting January 2027.
A dedicated P2P Account is planned for December 2026, and the migration is expected to continue through January.
What is still unclear
- Binance plans to rename Funding the Stocks Account in January, but the exact date is still to come.
- Binance gives no exact date for removing Funding as a Pay source, so users with Funding-only recurring Pay sends will need to set up new ones with another source.
- The changes may differ by region because the products in the notice are not available everywhere.
- The migration is expected to continue through January, so not every user balance will necessarily move at the same time.
Questions readers ask
When did Binance stop Funding Account crypto deposits?
Binance stopped accepting direct on-chain crypto deposits into Funding Accounts on Sept. 29. Deposits now go through Spot instead.
Will Binance sell my crypto during the Funding Account migration?
No. Binance says the shift does not change users' total asset value, and ordinary crypto such as Bitcoin and Ether moves into Spot Accounts instead.
What happens to Funding Accounts in January 2027?
Binance plans to rename them Stocks Accounts. They will be used mainly for stock and stock-option settlement, with settlement assets that include USD, USDC, USDT, USD1, U and BNB.
Do I have to move my assets myself?
Binance's account FAQ says most users will not have to move their existing assets by hand. Assets left in Funding after voluntary transfers are moved automatically in batches starting January 2027.
