Bitfinex Lending Tutorial: The Complete Beginner Guide for 2026
📊 Latest backtest update (2026-04): Based on FuNi’s historical rate database (data range 2019-04 to 2026-03, USD pool samples, year-by-year walk-forward windows (2020 to 2026)), the latest backtest shows that the APEX III strategy delivered a 180–365 day historical annualized return of 8%–16% (pre-fee) across the USD and USDT lending markets, and after the 15% platform fee the USD pool average was around 11%, above the long-term Bitfinex baseline (roughly 6%–7% annualized) in the backtest. Across the multi-year windows (2019–2026, seven yearly windows per currency), the APEX III backtest return was higher than the baseline in all seven yearly windows for the USD pool and in six of seven for USDT. ...