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Comparing Bitfinex Lending Bots: EarnUSD vs Willy vs FULY (2025 Beginner's Complete Guide)

2025-09-02T16:24:00+08:00·6 min read
Contents

Why do we need lending "robots"?

Manual lending requires constant monitoring of market fluctuations, adjusting interest rates and loan terms, which is both time-consuming and prone to missing opportunities. After Bitfinex announced the discontinuation of Lending Pro in 2024, the general options now are:

  • Manual lending via the Funding page + Auto-renew for automatic renewal; or
  • Using third-party robots for real-time adjustments, splitting orders, and compounding interest to enhance capital utilization.

  1. EarnUSD (Beginner/Convenience-oriented)

    • Simple interface, support for Chinese and English, allows payment via credit card/USDT (PAYUNi/BitfinexPay) and electronic invoices.
    • Checks/executions every 5 minutes. Supports USD, USDT, BTC, and includes a BTC dollar-cost averaging tool.
    • The website provides a robot user manual and real-time lending rate tutorials, making it easy for beginners to understand at a glance.
    • Positioning: Bitfinex automatic lending robot that tracks the market 24/7, intelligently controls rates, and automatically places orders/renews loans.
    • Experience highlights:
    • Suitable for: Beginners who value English support, want to get started quickly, and prefer ongoing interest income.

  2. Willy (Rich community resources and tutorials)

    • Positioning: Bitfinex third-party automatic lending tool with comprehensive community resources and tutorial articles.
    • Key points: Common settings involve lending USD/USDT; after API integration, it can automatically place/cancel orders and renew loans.
    • Entry consideration: The minimum plan is at the "$10,000 USD level," using a personal account for receiving payments.
    • Suitable for: Those who want to use Telegram assistants or prefer its user interface.

  3. FULY (Rich in visual tutorials and interview stories)

    • Positioning: Bitfinex automatic lending robot with detailed beginner tutorials, risk explanations, and practical screenshots available online.
    • Highlights: Rich content; provides suggestions on how beginners can choose plans based on their capital scale.
    • Multi-currency support: Supports USD/USDT and other currencies, but the actual number of currencies that can be activated simultaneously depends on the plan level.
    • Suitable for: Readers who enjoy step-by-step screenshot tutorials and want to see a complete explanation of risk/reward ranges.

Quick comparison table (Key points for beginners)

The table focuses on the three differences that beginners most commonly ask about: update frequency, currency flexibility, and entry threshold/fee structure. Actual details should refer to each official website/pricing page.

Aspect EarnUSD Willy FULY Bitfinex Auto-renew (Official)
Order placement/interest rate check frequency 5 minutes Commonly 15 minutes Commonly 20 minutes Automatically renews, but does not actively re-list at the best market rate
Currency support USD/USDT/BTC USD/USDT USD/USDT + other currencies (depending on the plan) Based on Funding market currencies
Entry/Fees Monthly fee starting at $3, low management fees, Taiwan payment/invoice Monthly fee starting at $22 Monthly fee starting at $23 No monthly fee, but requires manual setup, with the lowest strategy flexibility

Cost comparison of different plans

Based on a $10,000 lending amount:

  • EarnUSD annual fee: 43 USD
  • Willy annual fee: 86 USD
  • FULY annual fee: 92 USD

Assuming an annual profit of 15% on $10,000, the profit is 1500 USD. After deducting the annual fee, the actual profits are:

  • EarnUSD actual profit: 14.57%
  • Willy actual profit: 14.14%
  • FULY actual profit: 14.08%

Based on a $100,000 lending amount:

  • EarnUSD annual fee: 124 USD
  • Willy annual fee: 196 USD
  • FULY annual fee: 200 USD

Assuming an annual profit of 15% on $100,000, the profit is 15,000 USD. After deducting the annual fee, the actual profits are:

  • EarnUSD actual profit: 14.87%
  • Willy actual profit: 14.8%
  • FULY actual profit: 14.8%

Based on a $200,000 lending amount:

  • EarnUSD annual fee: 181 USD
  • Willy annual fee: 396 USD
  • FULY annual fee: 398 USD

Assuming an annual profit of 15% on $200,000, the profit is 15,000 USD. After deducting the annual fee, the actual profits are:

  • EarnUSD actual profit: 14.91%
  • Willy actual profit: 14.8%
  • FULY actual profit: 14.8%

Robot activation speed

  • After funds are deposited into Bitfinex, activating the lending robot for FULY takes a long time before it starts lending, and the lending order information is not updated in real-time.
  • Willy's order placement activation and order information updates are much faster than FULY, resulting in less anxiety.
  • EarnUSD uses a different technology, activating the robot immediately places orders, and the order information is updated in real-time, reducing the waiting period for lending and providing an immediate sense of earning interest.

Trial period comparison

  • FULY and Willy only offer a 7-day trial period, which is a bit unfortunate as you can't see performance before the trial ends.
  • EarnUSD offers a 1-month trial period, allowing me to try different lending strategies, making it more reassuring to subscribe afterward.

Multi-currency lending comparison

  • FULY's entry plan only allows for either USD or USDT; if you want more currencies, you need to upgrade the plan.
  • Willy allows USD and USDT across all plans.
  • EarnUSD offers unlimited plans that include USD, USDT, and BTC.

Loan Execution Cycle

  • Fuly entry plan updates orders every 20 minutes.
  • Willy entry plan updates orders every 15 minutes.
  • EarnUSD unlimited plan updates orders every 5 minutes，and if high-rate orders are available, it updates every 1 minute.。
  • The shorter the update interval for high-interest orders, the easier it is to secure good rates, resulting in better interest performance.

High-Interest Notifications

  • Fuly and Willy entry plans do not provide notifications.
  • Fuly advanced plan uses Telegram notifications.
  • Willy advanced plan uses Email notifications.
  • EarnUSD unlimited plan uses Telegram notifications.
  • The main purpose of high-interest notifications is to remind users that if they have idle funds, they can immediately deposit them into Bitfinex for lending.

Payment Methods

  • Fuly and Willy's monthly fees require quarterly payments at a minimum, which can be a waste for short-term use.
  • EarnUSD has a minimum payment period of one month, allowing users to activate or deactivate their accounts at any time, offering more flexible fund usage.
  • Payments for Fuly and Willy must be made in USDT to the Bitfinex personal account, and users must notify customer service to activate their accounts, which is quite cumbersome.
  • EarnUSD allows payments via credit card and USDT, and activation is immediate upon checkout, making it very convenient.
  • If users want to adjust the lending amount in EarnUSD, they can pay the difference online without consulting customer service, making it instantly usable.

Automatic Logout

  • Fuly and EarnUSD allow long-term login without needing to log in again, which is convenient for users who frequently check orders.
  • Willy will automatically log out after a period of inactivity, making it more troublesome for frequent order checks.

Conclusion

EarnUSD, with its super simple setup, powerful intelligent algorithms, and compound interest features, provides users with a truly worry-free and efficient passive income solution.