Bitfinex API key setup guide for an automated lending bot

Bitfinex API Key Setup Guide: Which Permissions Does a Lending Bot Need? (2026)

Disclaimer: This article is for general information and operational reference only and does not constitute any investment, security, or legal advice. The Bitfinex API interface and feature specifications may be updated at any time; please refer to the latest announcements from the Bitfinex official support center. Holding, lending, and trading cryptocurrency involve market risk, platform risk, and technical risk, and users must assess and bear the relevant risks themselves. When creating an API key on Bitfinex for the first time, many people freeze in front of that settings page full of options: Funding Read, Funding Write, Wallets Read, Orders Write, Withdrawals, History… a long list of options, with nobody explaining clearly which ones to tick and which ones must never be enabled. ...

June 2, 2026 · 15 min · FuNi Team
Bitfinex lending risk analysis

A Complete Breakdown of Bitfinex Lending Risk: Seven Risk Categories

2026-04 latest backtest update: Based on the latest backtest results from FuNi’s historical rate database (data range 2019-04 to 2026-03, USD pool samples, multiple multi-year time windows), the APEX III strategy delivered annualized returns of 8%–16% in the USD and USDT lending markets over 180–365 days, averaging about 11% after deducting the 15% platform fee, roughly 2x the Bitfinex fixed 2-day baseline (about 6% annualized). Across multi-year time-window tests (2019–2026, USD/USDT samples), 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. ...

June 2, 2026 · 18 min · FuNi Team