Put your idle USDT to work, automatically.
Three steps to start, fully automated after that
Connect API Key
Kindo only gets funding (lending) permission — it cannot withdraw or trade.
Set your strategy
Pick the currency, max term, and reserved funds — leave the rest to the bot.
Watch your returns
The bot places orders and reinvests 24/7. All you do is open the report.
Features built for lending
From placing orders and matching to reconciliation, Kindo automates every step of lending. You just make the decisions.
Automated order strategy
Follows market rates to place orders and reinvest 24/7, executing as often as every minute.
Returns report
Daily returns, APR, and fund status — all in a single report.
Dual-currency support
The supports USDT and USD. Each bot focuses on a single currency; Pro and VIP can run two bots at once.
Security, by design
Kindo is architecturally unable to touch your principal. The only thing we can do is lend it out for you.
Funds never leave the exchange
Your principal always stays in your own Bitfinex account. Kindo never custodies your assets.
Restricted API permission
The API Key is authorized for funding (lending) only. Withdrawals and trades are blocked at the permission level.
Fully transparent
Every lending order, match, and interest payment is fully auditable in the report.
Simple, transparent subscriptions
Choose a plan based on your lending size. Upgrade anytime.
Basic
- Lending cap $10,000
- 1-hour execution interval
- 1 bot (single currency)
Pro
- Lending cap $100,000
- 1% yield boost
- 10-minute execution interval
- USD + USDT dual currency (2 bots)
VIP
- Lending cap $200,000
- 2% yield boost
- 1-minute execution interval
- USD + USDT dual currency (2 bots)
Kindo is a lending automation tool, not investment advice. Lending returns fluctuate with market rates.
Still have questions? We answered first
The questions we get asked most about security, returns, and your account — all in one place.
Kindo is an automated crypto lending tool. It connects to your Bitfinex account and uses an API Key restricted to funding (lending) permission to automatically lend your idle USDT/USD into the funding market to earn interest. Set it up once, then just open the report to watch your returns.
No. Your funds always stay in your own Bitfinex account. Kindo only places lending orders for you through a funding-only API Key — you keep full ownership of your account and assets the whole time, and Kindo is never a custodian.
No — and it can't. The API Key Kindo uses only enables funding (lending); withdrawals and trading are disabled. By design it cannot move or spend your assets, and you stay in control at all times.
No. The APR shown is a 30-day average from the Bitfinex funding market's floating rate. It moves up and down with market supply and demand — it's a historical reference, not a promised return.
Yes, anytime. You can pause the bot in Kindo, or cancel your lending orders directly on Bitfinex to pull funds back. Active loans return to your account once their term ends, and your funds stay in your own exchange throughout.
Lending is matched through Bitfinex's margin funding market; your principal stays in your account and Kindo can't touch it. The main risks are rate volatility (returns aren't fixed) and the exchange's own platform risk. Kindo never handles your funds and doesn't amplify these risks — we recommend lending only idle capital you can afford to leave in the market.
There's a 14-day free trial with full features. After that, plans are tiered by lending size, billed quarterly or annually (save 10% annually): Basic $20/quarter, Pro $50/quarter, VIP $100/quarter. You can upgrade anytime, and Pro and VIP add a 1% and 2% yield boost respectively.
When a friend you refer signs up, you earn 1% of their lending interest as a reward — without affecting their returns. Rewards are settled daily based on actual results and aren't guaranteed. Your invited friend also gets +2 months on their first annual plan.
Ready to put your funds to work?
14-day free trial, full features. After you connect the API, your first lending order can match within minutes.
Start 14-day free trial