Lending guide
Bitfinex lending guide
What you need before your first loan, how interest is calculated, and how to pick a lending bot, explained one article at a time with real numbers.
All articles · 16Beginner to advanced
- 01Bitfinex Lending Guide: From Deposit to Your First LoanStep-by-step Bitfinex margin funding: verification, moving USD or USDT to your funding wallet, picking a rate and period, FRR, and how interest and fees work.
- 02What Is FRR? How Bitfinex Lending Rates Are SetFRR is the amount-weighted average rate of active fixed-rate Bitfinex loans, updated hourly. How it differs from the funding rate, plus the FRR Delta options.
- 03How Bitfinex Lending Interest Works: Formula, Payouts, FeesBitfinex's official lending interest formula with examples, when interest is paid, the 15% vs 18% fee, early repayment, and why daily interest varies.
- 04Bitfinex Lending Period: 2, 30 or 120 Days?A Bitfinex lending period (2 to 120 days) is only the longest a borrower can keep your money. How matching works, and the pros and traps of short vs long loans.
- 05Is Bitfinex Lending Safe? The Risks Lenders Actually FaceBitfinex lending isn't risk-free. Exchange failure, loss sharing in extreme markets, rate swings, leaked API keys and bots shutting down, and how to reduce each.
- 06Deposit to Bitfinex from Taiwan: Buy USDT on MAXLiving in Taiwan? Buy USDT with NTD on MAX, pick a network both exchanges support, and send it to your Bitfinex funding wallet. Plus what to check first.
- 07How to Choose a Bitfinex Lending Bot: Permissions and FeesWhat to check before picking a Bitfinex lending bot: the API permissions it needs, a cut of interest vs a flat fee, and what happens if the bot shuts down.
- 08Bitfinex Lending Tips: 8 Ways to Earn More InterestEight practical Bitfinex lending tips: read recent trades instead of FRR, split offers, go long only when rates are high, cut idle time, and check your real APR.
- 09Is Bitfinex Safe and Legit? Hacks, Fines, Fake SitesBitfinex has run since 2012, was hacked twice and fined by US regulators. Its history, whether it could go under, and how to spot fake Bitfinex sites.
- 10Stablecoin Interest: Earn Products, Staking and LendingWhere USDT and USDC interest comes from: exchange earn products, staking and on-chain yield, DeFi lending and Bitfinex funding. How each works and its risks.
- 11Bitfinex Lending Bots Compared: Fuly, Willy, ZenIncome, EZLOHow Fuly, Willy, ZenIncome and EZLO charge, what happens when the trial ends, currencies and who runs them, checked against each site's own pages and terms.
- 12Bitfinex Lending Interest and Taiwan Tax: What's KnownTaiwan has only ruled on trading virtual assets, not lending interest. The rules that exist, why your cash-out route matters, and which records to keep.
- 13Bitfinex Funding Offer Not Filling? What to CheckWhy a Bitfinex funding offer earns nothing: wrong wallet, under 150 USD, an auto-renew cap, a rate above market, a queued FRR offer, or a short period.
- 14Withdraw from Bitfinex to Taiwan: MAX or Bank WireTwo ways to cash out of Bitfinex to Taiwan: send USDT to MAX and sell for NTD, or wire USD to your bank. Networks, fees, wire minimums and timing compared.
- 15USD Time Deposit vs Bitfinex USD Lending: Key DifferencesA USD time deposit in Taiwan and USD lending on Bitfinex both pay interest. Who borrows, how the rate is set, deposit insurance, early exit and tax compared.
- 16Why Are Bitfinex Lending Rates Higher Than Other Exchanges?Over the past year Bitfinex funding rates ran above USDT flexible savings on Binance, OKX and Bybit. The numbers, why an order book pays more, and the cost.
Done reading? Let the Bot lend for you
Read the risks article first, then decide. EZLO only places offers in your own Bitfinex account. It doesn't predict the market or promise returns, and new accounts get a free trial.