Lending Strategy

Disclaimer: This article is for general information only and is not investment, tax, or legal advice. Backtest figures are based on FuNi’s own historical-rate simulations and do not guarantee future results. Crypto lending exposes your principal to platform, counterparty, and market risk. Rates, platform policies, and tax rules can change after publication — always check the current official source, and consult a qualified professional for your own situation. What does Bitfinex margin funding (lending) actually pay? Not the number on a marketing page — the real, backtested range, next to the benchmarks you’d otherwise put the same money into. That’s what this breaks down. ...

Disclaimer: This article is general information, not investment advice. Backtest figures are self-reported and don’t guarantee future results. Crypto lending carries platform, counterparty, and market risk. Always check current official sources. Why not just post FRR? You can just track the FRR and lend at the market average. It fills reliably and requires zero thought. The problem is that the FRR is an average of the recent past, so you only ever catch the tail of a spike and never the peak. Lock that behavior in — always FRR, always 2 days — and you land around the 6%–7% baseline long-run. Everything above that comes from strategy: actively deciding the rate, the term, and how you split. ...