Lending know-how and market notes
From how funding rates work to monthly APR reviews — we make lending clear, so you can decide better.
Stop Letting Idle USDT Sit There: In the 2026 Bear Market, Make Your Stablecoins Earn Daily
USDT sitting idle while you wait out the bear market? Learn how lending earns daily interest, how to park funds flexibly, the risks, and how to get started.
Setting Up a Minimal-Permission API Key on Bitfinex: A Required Step Before Handing Over Auto-Lending to Kindo
Learn how to create a Bitfinex API key with lending and read-only permissions and provide it to Kindo, so Kindo can lend on your behalf while the key has no withdrawal permission.
Funding Your Account: Deposit, Convert, and Transfer to the Funding Wallet in 3 Steps
After KYC, move your funds into Bitfinex's Funding wallet to lend. Covers depositing USDT, converting to USD, Funding vs. Exchange wallets, and the transfer.
Completing Identity Verification (KYC) on Bitfinex: From Sign-Up to Intermediate Verification Approval
Bitfinex accounts created after March 2022 need at least Intermediate verification to lend (Funding). This article walks through account registration, setting up two-factor authentication, and submitting verification documents, with notes and FAQs for users in Taiwan.
Bitfinex Lending Bot Comparison: Pricing, Limits, and Permissions
Looking for a Bitfinex lending bot but not sure how they differ? This article lines up the public information from Kindo and five other tools — pricing and funding limits, trial terms, whether funds pass through the tool, and which API permissions are needed — and explains how Kindo handles each one.
Complete Bitfinex Lending Guide: From Beginner to Automation for Taiwan Users
How do you start lending on Bitfinex? This article walks Taiwan beginners step by step through registration and KYC, deposits, transferring funds into the funding wallet, and setting up API-based auto-lending — plus why an automation tool helps boost your rate and capital utilization.
Do You Have to Pay Tax on Crypto Lending Interest? A Simple Guide to Taiwan's Overseas Income Reporting
Do you need to pay tax on crypto lending interest in Taiwan? This article covers the thresholds for including overseas income in Basic Income (NT$1 million and the NT$7.5 million deduction, with the tax years they apply to), how to track your earnings, and common misconceptions. (Not tax advice — please consult a professional.)
What Are the Ways to Earn Passive Income with Crypto? 5 Methods for Beginners
Crypto passive income isn't just staking. This article gives beginners an overview of five methods — lending, staking, liquidity mining, exchange savings products, and RWA — covering how they work, their APY, and their risks, and explains why lending suits those who want to avoid price volatility.
How to Choose a Crypto Lending Tool: 5 Things You Should Check
There's no shortage of lending tools out there — how do you pick one that's both safe and worthwhile? This article gives you 5 evaluation criteria: non-custodial setup, API permissions, yield transparency, supported currencies and fees, and whether a trial is available — so you can judge for yourself.
Is Bitfinex Lending a Scam? How It Works, the Real Risks, and How to Spot Fake Lending
"Is Bitfinex lending a scam?" is the first question many people ask before they start. This article doesn't vouch for any platform. It covers three things you can verify: how Bitfinex lending works, what has gone wrong at the exchange and where the real risks lie, and the common signs of scams run under the name of lending or USDT interest.
Is Crypto Lending Safe? A Complete Breakdown of Funds, API Permissions, and Platform Risk
Is crypto lending safe? This article breaks down three key risks (platform, interest rate, liquidity), how to set up API permissions safely, and what "non-custodial" actually protects — so you can see the risks clearly before you start lending.
How Does Lending Compound Interest Work? The Power of Daily Reinvestment
Lending interest settles daily, and once it reaches the minimum amount, it's automatically reinvested into new loans, creating daily compounding. This article explains in plain terms how compounding works, how it compares to simple interest, and why automatic reinvestment matters.
5 Ways to Earn Yield on Stablecoins in a Bear Market (Exchange Deposits/Lending/RWA Compared)
Want your stablecoins to earn yield in a bear market? Choose from 5 options: exchange deposits, DeFi lending, RWA Treasuries, centralized wealth management, and Bitfinex lending. This article compares their risk, liquidity, and entry barriers to help you pick the right fit.
USD Time Deposit vs USD Lending: Rates, Protection, and Risks
A bank USD time deposit follows the bank's posted rate and is covered by deposit insurance up to a limit; USD lending on Bitfinex moves with the market and is not insured. This article compares the two using bank rate boards and Bitfinex's official data.
USDT Lending Tutorial: Every Step from Transfer and Offer to Daily Interest
Holding USDT and want to lend it, but not sure where to start? This article uses Bitfinex to walk through USDT lending end to end: what to prepare, how to set the amount, rate, and period of a funding offer, when interest starts accruing, and the three places beginners most often get stuck.
USDT or USD for Lending? Do the Math Before You Convert
You may have seen that "converting USDT to USD gets you a higher lending rate." But once you factor in the conversion spread, time cost, and the fact that you already hold USDT, it isn't necessarily worth it. This article breaks down the math for you.
What Is an Automated Lending Bot? How It Differs from Manual Lending
An automated lending bot connects to exchanges via API, placing orders and reinvesting proceeds around the clock. This article explains how it differs from manual lending, why capital utilization matters, and how to think about safety.
What Is Crypto Lending? Understand Daily Interest Income in 3 Minutes
What is crypto lending? Simply put, it's lending your USDT or USD to traders who want to open leveraged positions, and earning interest every day. This article explains the mechanics, where the interest comes from, and how it differs from stock margin trading — in plain language, in 3 minutes.
What Is Kindo? Understand Kindo Lending, Security, and Fees in 5 Minutes
Kindo automatically lends your idle USDT and USD on the Bitfinex funding market. Learn how it works, how funds flow, its security, fees, and referral rewards.
What Is USD Lending? APY, Risks, and How to Get Started
USD lending means lending USD or USDT to leveraged traders to earn interest. This article explains how it works, rates over the past 12 months, how it differs from bank USD term deposits, the risks, and how to get started.
What Is a USD Stablecoin? USDT, USDC, and How They Differ from Bank Deposits
Learn how a USD stablecoin holds its $1 value, how it differs from a US dollar bank deposit, whether it can lose its peg, and whether it can earn interest. USDT and USDC explained with official sources.
Bitfinex lending rates explained — FRR, interest and fees
Understand Bitfinex lending rates, FRR and FRR Delta, and how fees, matching conditions and idle funds affect the interest you actually receive.