Put your idle USDT to work, automatically.
Three steps to start, fully automated after that
Connect API Key
Kindo uses a permission-limited API Key — it cannot withdraw or trade.
Set your strategy
Pick the currency, lending mode, 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 (VIP and Prime plans).
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, Prime three.
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
Kindo uses a permission-limited API Key that cannot withdraw or trade.
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.
Pro
- Lending cap $100,000
- 1% yield boost
- 10-minute execution interval
- 2 bots
VIP
- Lending cap $200,000
- 2% yield boost
- 1-minute execution interval
- 2 bots
Prime
- No lending cap
- 2% yield boost
- 1-minute execution interval
- 3 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 lending tool for the Bitfinex funding market. It lends your idle USDT and USD in that market for you, so you collect interest every day and it compounds automatically — no watching rates or placing orders by hand. Your principal stays in your own Bitfinex account the whole time.
No. Your funds always stay in your own Bitfinex account. Kindo uses a permission-limited API Key that cannot withdraw or trade; it places lending orders on your behalf, you keep full ownership of your account and assets the whole time, and Kindo is never a custodian.
No. Kindo uses a permission-limited API Key that cannot withdraw or trade, so technically we can't move assets out of your account.
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 relatively steady, but not risk-free. The main risk is Bitfinex's own platform risk: your funds sit in your Bitfinex account, so their safety depends on the exchange. After that come rate volatility and liquidity risk. Kindo uses a permission-limited API Key that cannot withdraw or trade, and never holds your funds, keeping tool-side risk to a minimum. But it can't take on the exchange's risk for you.
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. For larger funds there's also Prime: no lending cap, charged 5% of daily interest from a prepaid balance (usage-based, not a subscription cycle) — no fixed monthly fee.
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