Disclaimer: This article is for general information only and is not investment, financial, or legal advice. Every figure cited about a third-party service is based on publicly available information at the time of writing and may change — always check the provider’s official site for current pricing and features. Crypto lending carries market, counterparty, and technical risk, and past performance does not guarantee future results. You are responsible for your own decisions.
When Bitfinex retired its built-in Lending Pro auto-routing in August 2024, a lot of lenders were left placing funding offers by hand — or looking for a bot to do it for them. Several years on, the market has settled into a handful of active tools, each with a different trade-off.
This is a side-by-side look at the ones still running in 2026. Where a number can’t be verified from an official page, it’s marked as such rather than guessed.
The bots still active in 2026
| Bot | Exchanges | Currencies | Pricing model | Custody | Public backtest |
|---|---|---|---|---|---|
| Coinlend | Bitfinex, Liquid, KuCoin | Multiple | 5% of interest + ~$1–$3/wk¹ | Non-custodial | No |
| CryptoLend | Bitfinex | Multiple (42 pairs)² | Free tier; Premium 3% of gains² | Non-custodial | No |
| Lend It For Me | Bitfinex | USD only³ | Free³ | Non-custodial | No |
| FuNi | Bitfinex | USD + USDT | Flat subscription (no cut of interest)⁴ | Non-custodial | Yes⁴ |
¹ Coinlend charges a 5% performance fee on interest; weekly subscription tiers are reported at roughly $1–$3 by plan — confirm current pricing on its site. ² From CryptoLend’s pricing page. ³ From Lend It For Me’s FAQ. ⁴ FuNi’s own figures (self-reported). All accessed June 2026 — confirm on each official site.
A couple of older names still show up in search but are worth setting aside: MikaLendingBot is a free open-source bot, but its public repository has not been updated since 2020, so it is effectively unmaintained. Bitfinex Lending Pro itself is gone — it is the gap this whole category fills, not a current option.
Coinlend — the established multi-exchange option
Coinlend is the most widely known English-market lending bot and the only one here that spans more than one venue: it supports Bitfinex, Liquid, and KuCoin lending. It markets its own algorithm that “continuously optimizes returns in real-time,” so it is not the only AI-driven bot in the category.
It charges a 5% performance fee on the interest you earn, with weekly subscription tiers reported at roughly $1–$3 depending on plan — confirm current pricing on its own site. Because the headline fee is a percentage, it scales with your balance: small lenders barely notice it, larger lenders pay more for the same automation.
Best for: lenders who want one tool across several exchanges and don’t mind a percentage cut.
CryptoLend — Bitfinex-only, the deepest strategy set
CryptoLend has been running since 2014 and focuses solely on Bitfinex. Its pricing page lists a genuinely free tier plus a Premium plan that takes 3% of gains (“pay only when you earn”), with a tiered discount mentioned for large funds.
Where it stands out is configurability: it advertises strategies like Iceberg, Boost / Auto-Boost, Reserve amount, Dynamic depth, Spread durations, and Adaptive min rate, across a stated 42 supported pairs. That depth is a real advantage for hands-on lenders — and a steeper learning curve for everyone else.
Best for: experienced lenders who want to fine-tune strategy and like a free entry point.
Lend It For Me — free, but narrow
Lend It For Me (LIFM) positions itself directly as a Lending Pro replacement and is free. It is non-custodial in the strict sense: the API key it asks for can only place funding offers.
The catch is scope. Its FAQ states it currently supports USD only on Bitfinex only, with other currencies “planned for the future,” and the feature set is intentionally minimal — you set a maximum loan period and a minimum rate, and it places offers. If you lend USDT, it isn’t an option yet.
Best for: USD-only Bitfinex lenders who want something free and simple.
FuNi — flat fee, dual-currency, documented backtest
FuNi takes a different pricing approach: a flat subscription with no cut of your interest. Plans run from an entry tier up to VIP at a fixed yearly price, so the cost stays the same whether you lend a little or a lot — which is the inverse of the percentage model and tends to favour larger positions.
It supports both USD and USDT funding, runs the APEX III engine to choose offer rate and lock-up term automatically, and is the only one here that publishes its own backtest figures alongside the methodology — a multi-year sample (2019–2026) that, in FuNi’s own testing, annualized roughly 8%–16%, averaging about 11% after the exchange’s 15% lending fee (see the APEX III explainer). That is a self-reported historical range from simulating public Bitfinex funding rates, not a promise; past performance does not guarantee future results. Like the others, it is non-custodial — the API key can be funding-only with no withdrawal permission.
It only runs on top of Bitfinex, so it can’t help if you also lend on other exchanges, and residents of regions Bitfinex doesn’t serve (including the United States) can’t use it.
Best for: Bitfinex USD/USDT lenders — especially larger ones — who want a fixed cost and a backtest they can actually inspect.
How to choose
There is no single winner here; the honest answer depends on how much you lend and what you value.
- Lend across multiple exchanges? Coinlend is the only multi-venue option.
- Want to tinker with strategy for free? CryptoLend’s free tier and deep settings fit.
- Lend USD only and want zero cost? Lend It For Me is the simplest free choice.
- Lend a larger USD/USDT position and want fixed cost + a verifiable backtest? That is where FuNi’s flat fee is designed to win.
The fee model is the part most people underestimate. On a small balance a 3–5% cut of interest is trivial. On a large one, a percentage fee quietly climbs every month while the bot does the same work — that maths is laid out in detail in our flat-fee vs Coinlend breakdown.
Whatever you pick, the safe baseline is the same: use a funding-only API key with no withdrawal permission, start with a fraction of your capital, and watch a couple of weeks of real results before committing more.
Try before you pay
FuNi includes an up to 21-day free trial with no credit card required. If you want to see whether automated dual-currency funding beats placing offers by hand, that’s the lowest-risk way to find out — and you can revoke the API key at any time.