Crypto Lending Pro

Crypto Lending Pro lets you earn interests by matching your idle funds with users who need to borrow. It's an effective way of making your crypto work for you, benefiting both lenders and those who require liquidity.

At the top of each hour, lenders' assets are lent out based on the net amount to be borrowed (total amount to be borrowed - amount paid back). Lending is conducted as follows: Interest rate bidding is conducted each hour based on Minimum Lending APY, with the highest bid value being used as the Current Lending APY: If, Minimum Lending APY < Current Market Lending APY, then assets will be successfully lent out using the Current Lending APY. If, Minimum Lending APY > Current Market Lending APY, then assets will not be lent out, and no interest will be earned. If, Minimum Lending APY = Current Market Lending APY, then either a portion of the assets will be lent out or no assets will be lent out. During this hour, the interest rate borrowers will pay is based on the Current Market Lending APY. When the Minimum Lending APY <= Current Market Lending APY, and assets are successfully lent out, the user lending out their assets will receive interest based on the Current Market Lending APY.

The system deducts a certain percentage from the current market's lending APY based on your minimum lending APY and the platform's fundraising amount.
Your actual lending APY may be lower than the minimum lending APY, with returns on interest finalized by the actual lending rate.

If funds are successfully lent out at the top of the hour, your interest for this hour will arrive within the next hour.

15% of interest earnings will be used as the Insurance Fund, and the lender gets 85%. Therefore, the amount of interest earnings lenders receive is: (amount lent) * (current lending APY) / 365 / 24 * 85%.

You can redeem your loaned out assets anytime. Any part of your assets that hasn't been lent out will be returned to your account right away. If your assets are already lent out, they'll be credited back to your account at the next hour mark. Note: If there aren't enough assets currently in the pool to cover your redemption, your redemption may be delayed.

Auto-Lend orders are based on the minimum lending APY that you set. Orders are placed daily at 00:30 and 14:30 (UTC+8). You may toggle Auto-Lending on or off from the Currency List. After successful lending, review and redeem orders in Transaction History → Lending List.