Frequently asked questions

No — and not because we promise not to. The key literally cannot do it.

FuNi places orders only through an API key you create in your own Bitfinex account. The moment you connect a key, we query Bitfinex for that key's actual permissions: if the key carries the "Withdrawals" permission, we refuse to store it. Not a warning you can click past — the key is rejected. Any other permission that lending does not need is rejected too; we only accept minimum-privilege keys.

So even if that key leaked, the worst anyone could do is change your funding offers. Your capital and interest stay in your own Bitfinex account the entire time.

Keys are encrypted with AES-GCM before they are written to the database, and each account gets its own derived encryption key rather than one shared site-wide key. Decrypting a given user's key requires that user's identity — having the database file alone is not enough.

We also close the "submit half of it" bypass: the API key and secret must be submitted together. You cannot send the secret alone, then the key alone, to assemble a pair that never passed the permission check above.

Delete that API key in Bitfinex. That is the whole process — you do not need to tell us, and you do not need to wait for us to act. The moment the key is revoked, the bot can do nothing.

Offers already placed on Bitfinex are unaffected; they run to their own expiry dates and you keep collecting the interest.

Yes, it is possible. We are not going to tell you this is risk-free.

Bitfinex's own risk disclosure is explicit: providing margin funding is not risk-free. In most cases a borrower's position is force-liquidated first and lenders are repaid ahead of others. But if the market moves violently enough that a large share of margin positions fall below zero net value, the losses are ultimately shared with the funding providers. Bitfinex states this has never happened in the platform's history, but that in theory it could.

On top of that there is exchange platform risk and stablecoin de-peg risk. Lending carries no deposit insurance of any kind. Only lend money you can afford to lose, and do not concentrate everything on a single platform.

Borrowers on Bitfinex are traders opening leveraged positions on the platform, and they must post over-collateral before borrowing. When a position's net value falls below maintenance margin, the system force-liquidates it and the collateral is used to repay lenders' principal and accrued interest first.

So in most cases the mechanism absorbs an individual borrower's default before it reaches you. That is not a guarantee, though: if the market gaps so far that the borrower is still in negative balance after liquidation, lenders can still lose interest and even part of their principal. Please read this together with the previous question.

Most guides skip this, and people only find out after their money is already deposited — so we put it first.

Per Bitfinex's official rules, accounts created after 1 March 2022 must complete Intermediate verification to use Margin Funding (i.e. lending). Only accounts opened before that date can use the feature at Basic Plus.

The other levels matter too: the lowest tier, Basic Access, is view-only — it cannot deposit or trade. Crypto deposits require Basic Plus. USD international bank transfers require the higher Full level. Intermediate needs a second photo ID, proof of address and a financial questionnaire, and review usually takes 2 to 3 business days — so submit it before you deposit.

The minimum size for a single funding offer on Bitfinex is the equivalent of 150 USD. That is the exchange's rule, not ours.

In practice we suggest at least 500 USD so the system has room to split your capital across several rate tiers; above 1,000 USD the effect is clearer. A smaller balance does not get you a worse rate — you simply have fewer tiers to spread across.

Yes, and you do not have to buy any asset whose price moves.

Lending here means lending US dollars or a dollar stablecoin to traders on the platform who want leverage, and collecting interest. Your principal is denominated in dollars throughout and does not track crypto prices. What you actually have to do is three things: open and verify an account, convert funds to USDT or USD and deposit them, and create an API key with lending permission only. Placing, repricing and re-placing offers is handled for you.

But "not exposed to crypto prices" is not the same as "no risk" — please read the question above about losing principal.

The usual reason: the "market rate" you were looking at belongs to a different term than the one you offered.

In Bitfinex's funding market, each lending term is its own separate queue with its own clearing rate. Offers are not all lined up by rate in a single pool. So a 2-day offer at 9% and a 10% print on a longer term will never match each other.

Below are the actual executed rates on Bitfinex's USD funding market right now, grouped by term. At one and the same moment, short and long terms simply sit at different levels:

The other reason is queue position: at the same rate, earlier offers fill first.

Because the term is derived from the price, not from a number you pick. Only borrowing demand willing to pay a high rate can support a long term; locking a low rate in for a long time just strands your capital.

The current ladder is: 12% annualised or above can lock 120 days; 6% and above up to 15 days; 4% and above up to 10 days; below 4% only short terms.

There is one more guard: whenever the computed rate falls below the minimum acceptable rate you set yourself, the system forces the term down to 2 days. The point is to avoid locking money in at a poor rate so it can be repriced as soon as the market recovers.

Four things are happening at once:

First, interest accrues by the second, so the first day of a fill and the last day before expiry are usually partial days. Second, if your capital was split across several offers, each filled at a different time and rate, and what lands is the sum of them. Third, Bitfinex deducts its 15% platform fee before crediting you (18% if your offer filled as a hidden offer), so what you see is already net. Fourth, interest settles once a day at 01:30 UTC — nothing lands until you cross that point.

So "10%" is the annualised rate your offer is priced at, not a fixed daily amount. If you want every cent of cost laid out, see our full breakdown of the 15% platform fee.

No. Bitfinex's rule is that a borrower who manually returns funding before the term ends is still charged a minimum of one hour of interest; only after that first hour does it accrue by the second. So an early repayment is not a loss to you — the money simply lands back in your funding wallet sooner than expected.

What actually costs you is the opposite case: funds coming back with nothing re-placing them. That idle stretch is where the real loss is, and it is the main thing automation exists to solve.

Check three things first: whether the minimum acceptable rate you set is above the current market level, whether your funds are still sitting in the exchange wallet instead of the funding wallet, and whether the API key is still valid.

If all of those are fine, borrowing demand is most likely just soft right now. In that case the system reprices your offers as conditions change rather than leaving them sitting; an offer stuck for a long time is walked down toward a level that can fill.

One common misconception worth correcting: Bitfinex's native auto-renew does re-place offers automatically, including funds you newly deposit. Its limitation is not that it fails to re-place — it is that the price it re-places at is whatever you fixed in advance, and it does not follow the market.

It comes down to two things: how often the market is scanned, and the cap on funds. Advanced settings differ by plan: splitting style, fallback thresholds and split ratios are available on PRO and above, and volume-anomaly acceleration is VIP only.

The Free plan scans every 60 minutes with a $1,000 cap and is permanent. Entry scans every 15 minutes with a $10,000 cap. PRO scans every 5 minutes with a $100,000 cap. VIP scans every 2 minutes with no cap, and accelerates to 30 seconds automatically when volume looks abnormal. Signing up also gives you a full-feature trial of up to 21 days (20-minute scan, no cap).

Start from the size of your capital. One number worth stating plainly: at 10% annualised less the 15% platform fee you net about 8.5%, so Free caps out around $85 a year while Entry costs $100 — the two break even at roughly $2,180 of capital, and below that you are better off staying on Free. Full comparison and current prices are on the Pricing page.

No — activation is automatic. Our scanner watches the chain, and once your payment is detected and confirmed, your plan activates without anyone pressing a button.

Please pay the exact amount shown on the invoice. A payment that does not match the invoice will not auto-activate and has to be checked by hand, which only delays when you can start. If you paid in full and activation has not happened after a reasonable wait, email [email protected] with the transaction hash and we will sort it out.

Offers already placed or already filled are completely unaffected. They run to their own expiry dates and you keep collecting interest until the lock period ends.

The only thing that happens on expiry is that your account moves to the permanent free plan (60-minute scan, $1,000 cap). The bot does not stop — it keeps placing offers for you. We do not — and could not — cancel your orders on Bitfinex. Your account data and every setting are kept, so renewing puts your previous scan rate and cap straight back.

The same is true if you stop on your own terms: revoke the API key in Bitfinex and the bot stops immediately, while existing offers still run their course.

No refunds once a paid subscription has started. That is in our Terms of Service, and we are putting it here rather than burying it.

We would rather you ran it on your own account and saw real results before paying, instead of paying first and regretting it.

You can stop using the service at any point during a subscription — just revoke the API key — but fees already paid are not returned.