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.
Popular market players and selection highlights
-
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.
-
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.
-
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.
