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+USDT samples, 9 multi-year time windows — one per year plus two long windows and a trailing one-year window), 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 combined USD+USDT average was around 11%, still a meaningful excess over the long-term Bitfinex baseline (roughly 6%–7% annualized). Across the multi-year windows (2019–2026, 9 USD/USDT samples), APEX III outperformed the baseline in every case. ...