Disclaimer: This article is for general information only and is not investment, financial, or legal advice. Details about Bitfinex features and third-party services are based on publicly available information at the time of writing and may change — always check the official source. Crypto lending carries market, counterparty, and technical risk, and past performance does not guarantee future results.
If you used to leave your USD or USDT earning interest on Bitfinex and never thought about it, Lending Pro was probably why. And if your lending quietly stopped renewing itself sometime after mid-2024, this is what happened — and what to do about it.
What Lending Pro was
Lending Pro was a first-party Bitfinex feature — built and run by Bitfinex itself, not a third-party bot. It automatically routed your idle balance into the margin funding market (Bitfinex’s peer-to-peer lending order book) and kept it lent out, so you earned interest without placing offers by hand.
It is worth being precise here, because the name gets misused: Lending Pro was Bitfinex’s own tool. It was not a product of any third-party brand, and it did not charge a separate commission — the only fee involved was Bitfinex’s standard 15% cut on lending interest (18% on hidden offers), which is an exchange-level fee that applies to all margin funding regardless of how you place the offer.
When and why it shut down
Bitfinex retired the Lending Pro auto-routing feature on 28 August 2024. There was no direct, one-to-one replacement announced. For the authoritative status, always check Bitfinex’s official announcements.
The practical effect: offers placed through Lending Pro stopped being managed automatically. Lenders who relied on it were left either placing offers manually again or finding another way to automate.
Your realistic options now
There are three, in increasing order of automation:
1. Place funding offers manually. You go into the Margin Funding screen, set a rate, an amount, and a term (2 to 120 days), and submit. It is free and fully under your control, but you have to keep doing it — when an offer fills and the loan ends, the money sits idle until you place a new one. For anyone with a busy schedule or a position they want fully working, this is the part Lending Pro used to solve.
2. Use Bitfinex’s built-in auto-renew. Bitfinex still lets you set an existing offer to renew automatically. This keeps funds lent out, but it is basic: it tends to renew at or near the same terms rather than actively chasing the best available rate as the market moves.
3. Use a third-party lending bot. This is the closest in spirit to what Lending Pro did — and in most cases more active. A bot connects through your own API key and continuously places, cancels, and re-prices offers based on the live funding market. The trade-off is that you are now choosing a provider, each with its own fee model and feature set.
Choosing a third-party bot
The active options in 2026 include Coinlend (multi-exchange, a 5% commission on interest plus a weekly fee), CryptoLend (Bitfinex-focused, free tier plus a 3% premium cut, the deepest strategy set), Lend It For Me (free, but Bitfinex and USD only), and FuNi (a flat subscription with no cut of your interest, USD and USDT). There is no single best choice — a percentage fee can be cheaper on a small balance, while a flat fee favours larger lenders. We compare them side by side, with sources, in the 2026 Bitfinex lending bot comparison.
Whatever you pick, the safety baseline is the same as it always was: connect with an API key restricted to funding only, with no withdrawal or trading permission. With no withdrawal right on the key, the tool can place lending offers but has no path to move your money. Our API key setup guide walks through the exact permissions.
Where FuNi fits
FuNi is one of those third-party options — a non-custodial bot that does what Lending Pro did (keep your funds lent out automatically) and a bit more: its APEX III engine chooses the offer rate and lock-up term for you and re-places offers as the market moves, across both USD and USDT. It charges a flat subscription with no cut of your interest, which is the opposite of a percentage model and tends to suit larger positions. Like every option above, it runs on your own funding-only API key, and it can only be used by people whose region Bitfinex serves (so, for example, not US residents).
If you want to see whether automation still beats placing offers by hand now that Lending Pro is gone, FuNi includes an up to 21-day free trial with no credit card, and you can revoke the API key at any time.
The short version
Lending Pro is gone, retired by Bitfinex in August 2024, with no official replacement. Your funds don’t have to sit idle: lend manually if you want full control and don’t mind the upkeep, use Bitfinex’s basic auto-renew for a hands-off minimum, or use a third-party bot to get back the “set it and forget it” automation Lending Pro used to provide — just connect it with a funding-only key and start small.