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 ~ 2026-03, USD + USDT samples, 9 multi-year time windows—one per year plus two long windows and a trailing-one-year window), our latest backtest shows that the APEX III strategy produced a pre-fee annualized return of roughly 8%~16% over ~180–365 days across the USD and USDT lending markets, and a combined USD+USDT 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, 9 USD/USDT samples), APEX III outperformed the baseline across the board. ...

📊 Latest 2026-04 backtest update: Based on the FuNi historical rate database (data range 2019-04 to 2026-03, USD+USDT sample, 9 multi-year time windows — one per year plus two long windows and a trailing-one-year window), 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 combined USD+USDT average is around 11% — still a meaningful excess over the Bitfinex long-term baseline (roughly 6%–7% annualized). Across the multi-year time windows (2019–2026, 9 USD/USDT samples), APEX III outperformed the baseline across the board. ...