USDT

Disclaimer: This article is compiled from public data and historical backtests; it is not investment advice. Historical results do not guarantee the future, and platform fees, market rates, and taxes all change actual net returns. Assess your own situation and consult a professional if needed. How did Bitfinex lending actually do in 2025? This backtests USD and USDT lending using 2025 full-year data, with a 2023–2025 sample for the longer view, comparing the APEX III engine against a fixed-2-day baseline and rule-based strategies across different market phases. ...

Disclaimer: This article is general information, not investment advice. Figures about Tether’s reserves change over time — always check Tether’s latest attestation and official sources. Crypto and stablecoins carry real risk, and past performance does not guarantee future results. Why take USDT risk seriously If you lend stablecoins on Bitfinex, most of what you lend is probably USDT — so its risk is your risk. USDT is the largest stablecoin in the world, but “biggest” is not “risk-free.” There’s no such thing as a zero-risk financial instrument, and the honest way to lend is to understand exactly what you’re holding. ...

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)), our latest backtest shows that the APEX III strategy produced a pre-fee annualized return of roughly 8%–16% over about 180–365 days across the USD and USDT lending markets, and a USD pool average of about 11% after the 15% platform fee, with peaks around 80% (extreme outliers tied to systemic events like LUNA or FTX, not the norm); the baseline ran around 6%–7% long-term. Across the multi-year time 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. ...

📌 October 2026 update: fiat wires for Taiwan-based users Compiled by this site in October 2026. Please read the two groups below separately. What Bitfinex states officially: Bitfinex supports only three fiat currencies (USD, EUR and GBP) and does not offer TWD. A USD wire requires Full verification, with a minimum deposit of 10,000 USD and a fee of 0.1% (minimum 60 USD). Bitfinex’s Help Center does not mention any restriction on Taiwan: a search for “Taiwan” returns zero articles in English, Traditional Chinese and Simplified Chinese, and there is no public announcement. What users and media report: The blog grenade.tw and forum users report that Taiwan-based users see a notice in the Bitfinex app, roughly saying that under Taiwanese regulations Bitfinex will no longer process fiat wires through banks in Taiwan (including Taiwan branches of foreign banks), for individuals or companies. User reports began in April 2026. We could not find a confirmed effective date: one forum post mentioned April 29, but no official or major-media source supports it. Another forum user says Bitfinex stopped accepting Taiwan bank documents for higher verification levels from April, which also has no other source. No official reason: The notice only says “under Taiwanese regulations”, and this site does not speculate about the cause. Effect on lending: The deposit route in this guide sends crypto on-chain into the Funding Wallet and needs no fiat wire, and the reported notice mentions only fiat wires. How to read the wire content below: The “Fiat wire transfer deposit” section and the SWIFT row in the table follow Bitfinex’s official rules. Taiwan-based users should treat them as unavailable for now and check inside their Bitfinex account first. 📊 Latest 2026-04 backtest update: Based on the FuNi 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 results show that the APEX III strategy delivered 180–365 day annualized returns of 8%–16% (pre-tax) in the USD and USDT lending markets, and after deducting the 15% platform fee, the USD pool average is around 11% — above the Bitfinex long-term baseline (roughly 6%–7% annualized) in the backtest. Across the multi-year time 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. ...