A true P2P lending marketplace where you control rate, duration, and amount
A standard fee of 15% applies to margin lending earnings. For hidden offers, a fee of 18% is charged.
Interest is calculated on a per-second basis and depends on how long the funds are actively used, subject to a one hour minimum. If funds are offered for a longer duration but repaid early, interest is only earned for the time they were actually borrowed.
* The rates, periods, amounts and returns set out above are hypothetical and provided for illustrative purposes only. Actual earnings, interest rates or other results may differ and rates are subject to change. Bitfinex makes no guarantees regarding the amount of earnings, interest rates or other results. The peer to peer lending market on the Site is available only pursuant to the Terms of service.
Large traders rely on Bitfinex for its speed, liquidity, and stability.
Regular proof-of-reserves and conservative risk management help safeguard user assets. In 13 years, no lender has suffered any losses on Bitfinex.
Not even during:
Whether you are:
Margin lending gives you a steady way to grow your holdings.
Your funds generate daily interest, credited around 01:30 AM UTC.
Lend in USDT, USD, EUR, BTC, ETH and many others.
In liquidation events, lenders are repaid before traders can access their funds.
You choose:
Volatile markets mean higher demand for leverage. Rates can outperform traditional savings accounts.
Once your funding is matched and active, it cannot be recalled early by you. You must wait until the loan expires or until the borrower returns the funds. If your offer is still pending in the order book, you may cancel or modify it at any time.
Margin Funding is a marketplace which matches borrowers and lenders on a rate-priority + duration-compatibility basis:
Partial fills may occur, and lenders provide liquidity to a number of different borrowers rather than to a single borrower.
Returns depend on market demand. Common strategies include:
Shorter-term offers often capture market spikes more effectively.
At expiration, funds return to your Funding Wallet. If Auto-Renew is enabled, Bitfinex automatically routes a new lending offer on your behalf based on the settings you selected (i.e., the same settings as your previous loan). Fixed-rate loans cannot be adjusted mid-term, even if market rates rise.
Bitfinex supports third-party integrations through API keys, and many advanced customers choose lending bots to automate rate adjustments and improve capital efficiency.
However, please keep in mind:
Many experienced lenders find these tools helpful in automating their strategies, but proper caution and risk management are important.
Important Note:
You should not construe the information provided in this page as financial, legal or other advice. The information provided on this page is not an offer to borrow or lend. It is also not the solicitation, recommendation or endorsement of any course of transacting. The information provided on this page is for information and illustrative purposes only. Any references to earnings, interest rates or other results are hypothetical and not guaranteed. Actual earnings, interest rates or other results may differ. Bitfinex makes no guarantees regarding the amount of earnings, interest rates or other results. The peer to peer lending market on the Site is available only pursuant to the Terms of Service.
