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.
This Bitfinex lending bot comparison is written by Kindo. It puts Kindo side by side with five other commonly used tools. Everything here comes from public information on each tool's official website. There is no ranking, no scoring, and no comparison of returns, because there is no public data that would make a fair comparison of returns possible. After each table, we explain how Kindo handles that item.
The data is as of 2026-10-12. Prices and terms can change at any time; each tool's official website is the final word. "—" means no public information was found.
Which tools does this comparison cover?
All of the tools here are the same kind: you open your own Bitfinex account, give the tool an API key, and it places lending offers for you. The tables cover six of them: Kindo, Fuly, Willy, FuNi, SleepEarn, and AutoLend.
Two things are the same no matter which one you use. First, these tools do not hold your lending principal, but your funds are still on Bitfinex, so the exchange's own risks remain. Second, once a lending offer is matched, the lender cannot recall it early — you wait until it expires or the borrower repays.
Bitfinex states its official position on third-party tools on its lending page: it supports connecting third-party lending bots through API keys, but does not endorse, certify, or guarantee them; API permissions are the user's own responsibility, and it recommends using keys with restricted permissions.
API lending bot comparison: pricing and funding limits
Below are each tool's fees and the maximum amount each plan lets you lend, listed from the lowest plan to the highest, in the currency each official website uses. On top of this, Bitfinex takes its own platform fee out of your interest, whichever tool you use.
| Tool | Price (by plan) | Funding limit (by plan) |
|---|---|---|
| Kindo | USD 20 / 50 / 100 per quarter, 10% off when billed annually; Prime has no monthly fee and charges 5% of each day's interest | USD 10,000 / 100,000 / 200,000; Prime has no limit |
| Fuly | 23 / 50 / 100 USDT per quarter, 92 / 200 / 398 USDT per year; top tier by quote (pricing page requires login) | — |
| Willy | 22 / 49 / 99 U per quarter, 86 / 196 / 396 U per year; top tier via customer support | 10,000 / 100,000 / 200,000 U; top tier has no limit |
| FuNi | 30 / 62 / 128 USDT per quarter, 100 / 206 / 394 USDT per year | USD 10,000 / USD 100,000 / no limit |
| SleepEarn | 21 / 48 / 90 USDT per quarter, 80 / 185 / 350 USDT per year | USD 15,000 / 150,000 / 500,000 per currency |
| AutoLend | 7 / 16 / 30 USDT per month, 80 / 185 / 350 USDT per year | USD 15,000 / 150,000 / 500,000 per currency |
Kindo's pricing is fully public, and there are two ways to pay. The subscription comes in three tiers — Basic, Pro, and VIP — at USD 20, 50, and 100 per quarter, with a further 10% off when billed annually; the lending limits are USD 10,000, 100,000, and 200,000. If you have more capital, or would rather not pay a fixed fee, there is Prime: no monthly fee, no funding limit, and a charge of only 5% of each day's net interest — on days you earn no interest, nothing is charged. Fees are deducted from a balance you top up in advance (minimum top-up 100 USDT), and platform fees are itemized day by day.
API lending bot comparison: trials and free tiers
| Tool | Free trial or free tier |
|---|---|
| Kindo | 14 days, full features; limit of USD 1,000 and 1 bot |
| Fuly | 7 days for new users |
| Willy | Free trial available; length not stated |
| FuNi | Free permanently for funds up to USD 1,000; plus a trial of up to 21 days |
| SleepEarn | Free permanently up to USD 1,000 per currency |
| AutoLend | 14 days, no feature restrictions |
Kindo offers a 14-day free trial with full features. During the trial you can run 1 bot and lend up to USD 1,000 — enough to walk through the whole flow for real: connecting your key, automatic offers, and daily interest. Once you know it suits you, pick a paid plan.
API lending bot comparison: funds, permissions, and currencies
| Tool | API permissions (official statement) | Do funds pass through the tool? (official statement) | Supported currencies |
|---|---|---|---|
| Kindo | Kindo uses a permission-limited API Key that cannot withdraw or trade; keys with withdrawal permission are rejected at connection | Non-custodial | USDT, USD |
| Fuly | Trading and withdrawal permissions not required | Does not handle user funds | Multiple currencies; "fully automated lending" covers USD and USDT |
| Willy | — | Does not handle assets | USD, USDT |
| FuNi | No withdrawal or transfer permission | Funds stay in the user's Bitfinex account | USD, USDT |
| SleepEarn | Offer and read permissions only; rejects keys with withdrawal permission | Funds do not pass through it | — |
| AutoLend | Cannot withdraw, transfer, or trade | Does not handle funds | USD, USDT |
With Kindo, your principal never leaves your account, and the check happens the moment you connect your key. Your funds stay in your own Bitfinex account throughout; Kindo never holds or moves your assets. When you connect, the system checks the key's permissions: a key with withdrawal permission is rejected, and you need to create a new one before you can connect. The key itself is stored encrypted. Both USDT and USD are supported; each bot focuses on one currency, and the lowest plan includes 1 bot. Yields are shown as what you actually receive. For how to set API permissions and why withdrawal permission should stay off, see the API Key Security Setup guide.
How do you use this to choose?
When choosing a lending bot, start with four questions. Kindo's answer follows each one:
- Whose account are the funds in? A tool should not handle your principal. Kindo is non-custodial; your funds stay in your own Bitfinex account the whole time.
- Do the fees and limits fit your capital? Add up the tool's fee and Bitfinex's platform fee. Kindo's subscription starts at USD 20 per quarter; if you have more capital, or would rather not pay a fixed fee, you can choose Prime, which charges based on interest.
- Can you try it before deciding? Kindo offers a 14-day free trial with full features.
- Which API permissions are needed? Lending does not require withdrawal permission. Kindo uses a permission-limited API Key that cannot withdraw or trade.
For a fuller way to evaluate tools, see How to Choose a Lending Bot; to first understand what these tools do, see What Is an Automated Lending Bot; for how Kindo works and what it costs, see What Is Kindo. Whichever tool you choose, the risks of lending itself and of the exchange remain — see Is Bitfinex Lending a Scam.
Want to try it for real before deciding? Kindo offers a 14-day free trial; a trial is not a guarantee of returns. → Start Your 14-Day Free Trial
Disclaimer: This article is for informational purposes only and does not constitute investment, financial, or tax advice, nor a solicitation. Cryptocurrency and lending involve risk — returns are floating, not guaranteed, and principal loss is possible. Lending rates are determined by market supply and demand, and past performance is not indicative of future results. Please assess your own risk tolerance; consult a professional for tax matters.
