Bitfinex Lending Bots Compared: Fuly, Willy, ZenIncome, EZLO

This article compares the Bitfinex lending bots people in Taiwan search for most: Fuly, Willy and ZenIncome, plus EZLO. The facts were checked on October 1, 2026 against each service's own website and terms. Prices and terms change, so confirm on the official sites before you sign up.

EZLO runs this website. Everything below is a fact we can point to a source for.

What all four have in common

• Each works through an API key you create on Bitfinex. Your money stays in your own Bitfinex account.
• Each says it doesn't need withdrawal permission.
• Each lends on Bitfinex only, mainly in USD and USDT.

The permissions page when you create a Bitfinex API key. Lending uses Account History, Margin Funding and Wallets. Withdrawals stay off

The differences are how they charge, what happens when the trial ends, and how much you can find out about who runs them.

Fuly

• Subscription, billed quarterly or yearly. Plans are tiered by the amount in your funding wallet.
• The terms give new users a 7-day free trial. When it ends, the subscription converts to a paid one automatically, and payments aren't refunded.
• The pricing page is behind a login, so we don't list numbers here.
• The website says it supports many Bitfinex currencies. Its own tutorial says fully automatic lending currently covers USD and USDT only.
• It has iOS and Android apps, and the interface is available in English.
• The website and terms don't name a company. The developer listed on the App Store is Ceres Technology Co., Ltd.

Willy

• Subscription, billed quarterly, half-yearly or yearly, in four tiers by lending cap.
• The first three tiers cost 86, 196 and 396 USDT a year, with caps of 10,000, 100,000 and 200,000 USDT. The fourth has no cap, and you have to ask for the price.
• Higher tiers run more often: every 15, 10 and 5 minutes for the first three. Offer priority also follows the tier.
• The website has a free-trial sign-up but doesn't state how long it lasts.
• Currencies are USD and USDT. The interface is in Chinese.
• How early cancellation is billed is set out in clause 14 of the terms. Read it before you subscribe.
• The website gives no company name or location, and describes the operator as an independent software team.

ZenIncome

• Commission: 4.88% of your lending interest, no monthly fee and no cap on funds.
• You pre-load a USDT balance for the service fee, and the fee is deducted only after interest arrives. No interest, no fee.
• The website says the system rejects any API key with withdrawal permission turned on.
• It runs every 2 minutes. Currencies are USD and USDT.
• The website gives no information about the operator.

EZLO

• Subscription, billed yearly or quarterly, with no commission on interest. Plans are tiered by how much you can have lent out at once, and every plan has the same features. Prices are listed under plans and pricing on the home page.
• New accounts get a free trial. You pay each period yourself in USDT, and nothing is charged automatically.
• The engine checks the market every 2 minutes on every plan.
• Currencies are USD and USDT, and both can be lent at the same time.
• The API key only needs read and funding permissions.
• System status is public on the status page.

Subscription versus commission

A commission scales with your interest. A subscription scales with your tier.

At a 4.88% commission and a 10% market APR:

• On $10,000, a year's interest is $1,000 and the commission is $48.80.
• On $50,000, a year's interest is $5,000 and the commission is $244.

With a small balance or low rates, commission costs less. With a larger balance, a subscription works out cheaper. How to choose a Bitfinex lending bot shows how to convert a subscription into an equivalent commission.

Whichever service you use, Bitfinex itself takes 15% of your interest. That's separate from the bot's fee.

What to check before you pick

• Whether you're charged automatically when the trial ends.
• Which tier your balance falls into, and what the next tier costs.
• Who you can reach when something goes wrong.
• Run it with a small amount first and look at the actual fills.