The SEC\'s scrutiny of Binance US and its collateralization practices has been a major focus in the cryptocurrency regulatory landscape. Newly unsealed court documents from 18 de sept. de 2025 reveal the SEC\'s concerns, specifically regarding the crypto exchange\'s asset collateralization. Auditors stated it was "very difficult to ensure the company was fully collateralized at specific points in time." CoinDesk reported on 18 de sept. de 2025 that the SEC claimed an audit of Binance US revealed these difficulties in confirming the company was fully backed by collateral. Binance US countered, arguing the SEC was overstepping its jurisdiction.
The troubles began with SEC charges against Binance, Binance.US, and founder Changpeng Zhao for alleged securities law violations, intensified by the heightened regulatory scrutiny following the FTX collapse. Request for Production No. 27, part of the SEC’s demand according to Binance’s filing on 19 de sept. de 2025, called for all “auditors’ assessment of internal control deficiencies related to the custody and control of Customer Assets.” Auditors on 18 de sept. de 2025 reported finding "[It] was difficult and sometimes not possible to pull wallet balances," according to the newly unsealed sections of the complaint.
The SEC\'s filings on 18 de sept. de 2025 highlight the Binance US audit revealing it "very difficult to ensure the company was fully collateralized." The SEC requested the court reject Binance\'s objections and allow inspection of the exchange.
However, in a significant development, Hace 2 días, the U.S. Securities and Exchange Commission (SEC) agreed to fully dismiss its case against Binance.US. Binance and Binance.US reached an agreement with the SEC to secure customer funds and private keys by repatriating all Binance.US users’ funds to the United States, preventing Binance Holdings officials, including Changpeng Zhao, from accessing them. The SEC stated, "Further, we ensured that U.S. customers will be able to withdraw their assets from the platform while we work to resolve the alleged underlying misconduct and hold Zhao and the Binance entities accountable for their alleged securities law violations.” This outcome, as stated by Binance, reaffirms their belief that Binance.US did not violate securities laws.
While questions surrounding Binance US\'s collateralization initially sparked intense regulatory action, the dismissal of the SEC\'s case marks a turning point, even as concerns regarding the company\'s financial transparency remain a topic of discussion. The challenges faced by Binance US\'s auditor in confirming full collateralization at certain times (18 de sept. de 2025) and the company\'s proposed discussions highlight the complexities of navigating regulatory compliance in the evolving cryptocurrency space.