vip-loan

name	vip-loan
description	Binance Vip-loan request using the Binance API. Authentication requires API key and secret key.
metadata	{"version":"1.1.0","author":"Binance","openclaw":{"requires":{"bins":["curl","openssl","date"]},"homepage":"https://github.com/binance/binance-skills-hub/tree/main/skills/binance/vip-loan/SKILL.md"}}
license	MIT

Binance Vip-loan Skill

Vip-loan request on Binance using authenticated API endpoints. Requires API key and secret key for certain endpoints. Return the result in JSON format.

Quick Reference

Endpoint	Description	Required	Optional	Authentication
/sapi/v1/loan/vip/request/interestRate (GET)	Get Borrow Interest Rate(USER_DATA)	loanCoin	recvWindow	Yes
/sapi/v1/loan/vip/collateral/data (GET)	Get Collateral Asset Data(USER_DATA)	None	collateralCoin, recvWindow	Yes
/sapi/v1/loan/vip/loanable/data (GET)	Get Loanable Assets Data(USER_DATA)	None	loanCoin, vipLevel, recvWindow	Yes
/sapi/v1/loan/vip/interestRateHistory (GET)	Get VIP Loan Interest Rate History (USER_DATA)	coin, recvWindow	startTime, endTime, current, limit	Yes
/sapi/v1/loan/vip/borrow (POST)	VIP Loan Borrow(TRADE)	loanAccountId, loanCoin, loanAmount, collateralAccountId, collateralCoin, isFlexibleRate	loanTerm, recvWindow	Yes
/sapi/v1/loan/vip/renew (POST)	VIP Loan Renew(TRADE)	orderId, loanTerm	recvWindow	Yes
/sapi/v1/loan/vip/repay (POST)	VIP Loan Repay(TRADE)	orderId, amount	recvWindow	Yes
/sapi/v1/loan/vip/collateral/account (GET)	Check VIP Loan Collateral Account (USER_DATA)	None	orderId, collateralAccountId, recvWindow	Yes
/sapi/v1/loan/vip/accruedInterest (GET)	Get VIP Loan Accrued Interest (USER_DATA)	None	orderId, loanCoin, startTime, endTime, current, limit, recvWindow	Yes
/sapi/v1/loan/vip/ongoing/orders (GET)	Get VIP Loan Ongoing Orders(USER_DATA)	None	orderId, collateralAccountId, loanCoin, collateralCoin, current, limit, recvWindow	Yes
/sapi/v1/loan/vip/request/data (GET)	Query Application Status(USER_DATA)	None	current, limit, recvWindow	Yes

---

Parameters

Common Parameters

• loanCoin:
• recvWindow: (e.g., 5000)
• collateralCoin:
• loanCoin:
• vipLevel: default:user's vip level (e.g., 1)
• coin:
• startTime: (e.g., 1623319461670)
• endTime: (e.g., 1641782889000)
• current: Current querying page. Start from 1; default: 1; max: 1000 (e.g., 1)
• limit: Default: 10; max: 100 (e.g., 10)
• recvWindow: (e.g., 5000)
• loanAccountId: (e.g., 1)
• loanAmount: (e.g., 1.0)
• collateralAccountId: Multiple split by , (e.g., 1)
• collateralCoin: Multiple split by ,
• isFlexibleRate: Default: TRUE. TRUE : flexible rate; FALSE: fixed rate (e.g., true)
• loanTerm: Mandatory for fixed rate. Optional for fixed interest rate. Eg: 30/60 days
• orderId: (e.g., 1)
• loanTerm: 30/60 days
• amount: (e.g., 1.0)
• orderId: (e.g., 1)
• collateralAccountId: (e.g., 1)

Authentication

For endpoints that require authentication, you will need to provide Binance API credentials. Required credentials:

• apiKey: Your Binance API key (for header)
• secretKey: Your Binance API secret (for signing)

Base URLs:

• Mainnet: https://api.binance.com

Security

Share Credentials

Users can provide Binance API credentials in different ways. The agent will try to retrieve automatically with the two first ways the credentials, but users can also explicitly tell the agent that they have set the credentials or stored them in a .env file, and the agent should re-read that file when they do. The agent can also make http requests with the two first methods without user confirmation.

1. Environment variables

Search for the following specific variables only (never dump the full environment):

Authorized environment variables

• Mainnet: BINANCE_API_KEY and BINANCE_SECRET_KEY

Read and use in a single exec call so the raw key never enters the agent's context:

KEY="$BINANCE_API_KEY"
SECRET="$BINANCE_SECRET_KEY"

response=$(curl -s -X GET "$URL" \
  -H "X-MBX-APIKEY: $KEY" \
  --data-urlencode "param1=value1")

echo "$response"

Environment variables must be set before OpenClaw starts. They are inherited at process startup and cannot be injected into a running instance. If you need to add or update credentials without restarting, use a secrets file (see option 2).

2. Secrets file (.env)

Check ~/.openclaw/secrets.env , ~/.env, or a .env file in the workspace. Read individual keys with grep, never source the full file:

# Try all credential locations in order
API_KEY=$(grep '^BINANCE_API_KEY=' ~/.openclaw/secrets.env 2>/dev/null | cut -d= -f2-)
SECRET_KEY=$(grep '^BINANCE_SECRET_KEY=' ~/.openclaw/secrets.env 2>/dev/null | cut -d= -f2-)

# Fallback: search .env in known directories (KEY=VALUE then raw line format)
for dir in ~/.openclaw ~; do
  [ -n "$API_KEY" ] && break
  env_file="$dir/.env"
  [ -f "$env_file" ] || continue

  # Read first two lines
  line1=$(sed -n '1p' "$env_file")
  line2=$(sed -n '2p' "$env_file")

  # Check if lines contain '=' indicating KEY=VALUE format
  if [[ "$line1" == *=* && "$line2" == *=* ]]; then
    API_KEY=$(grep '^BINANCE_API_KEY=' "$env_file" 2>/dev/null | cut -d= -f2-)
    SECRET_KEY=$(grep '^BINANCE_SECRET_KEY=' "$env_file" 2>/dev/null | cut -d= -f2-)
  else
    # Treat lines as raw values
    API_KEY="$line1"
    SECRET_KEY="$line2"
  fi
done

This file can be updated at any time without restarting OpenClaw, keys are read fresh on each invocation. Users can tell you the variables are now set or stored in a .env file, and you should re-read that file when they do.

3. Inline file

Sending a file where the content is in the following format:

abc123...xyz
secret123...key

• Never run printenv, env, export, or set without a specific variable name
• Never run grep on env files without anchoring to a specific key ('^VARNAME=')
• Never source a secrets file into the shell environment (source .env or . .env)
• Only read credentials explicitly needed for the current task
• Never echo or log raw credentials in output or replies
• Never commit TOOLS.md to version control if it contains real credentials — add it to .gitignore

Never Disclose API Key and Secret

Never disclose the location of the API key and secret file.

Never send the API key and secret to any website other than Mainnet and Testnet.

Never Display Full Secrets

When showing credentials to users:

• API Key: Show first 5 + last 4 characters: su1Qc...8akf
• Secret Key: Always mask, show only last 5: ***...aws1

Example response when asked for credentials: Account: main API Key: su1Qc...8akf Secret: ***...aws1

Listing Accounts

When listing accounts, show names and environment only — never keys: Binance Accounts:

• main (Mainnet)
• futures-keys (Mainnet)

Transactions in Mainnet

When performing transactions in mainnet, always confirm with the user before proceeding by asking them to write "CONFIRM" to proceed.

---

Binance Accounts

main

• API Key: your_mainnet_api_key
• Secret: your_mainnet_secret

TOOLS.md Structure

## Binance Accounts

### main
- API Key: abc123...xyz
- Secret: secret123...key
- Description: Primary trading account


### futures-keys
- API Key: futures789...def
- Secret: futuressecret...uvw
- Description: Futures trading account

Agent Behavior

1. Credentials requested: Mask secrets (show last 5 chars only)
2. Listing accounts: Show names and environment, never keys
3. Account selection: Ask if ambiguous, default to main
4. When doing a transaction in mainnet, confirm with user before by asking to write "CONFIRM" to proceed
5. New credentials: Prompt for name, environment, signing mode

Adding New Accounts

When user provides new credentials by Inline file or message:

• Ask for account name
• Store in TOOLS.md with masked display confirmation

Signing Requests

For trading endpoints that require a signature:

1. Detect key type first, inspect the secret key format before signing.
2. Build query string with all parameters, including the timestamp (Unix ms).
3. Percent-encode the parameters using UTF-8 according to RFC 3986.
4. Sign query string with secretKey using HMAC SHA256, RSA, or Ed25519 (depending on the account configuration).
5. Append signature to query string.
6. Include X-MBX-APIKEY header.

Otherwise, do not perform steps 4–6.

User Agent Header

Include User-Agent header with the following string: binance-vip-loan/1.1.0 (Skill)

See references/authentication.md for implementation details.