EarnUSD

Lending Bot Tutorial

Understand the pros and cons of different lending strategies and recommended parameter settings to help you make the best lending decisions.
Set at least 1 reserve order to enable real-time high-interest order placement.
The maximum limit per order is 20 entries; funds exceeding 20 entries will achieve the effect of spreading interest rates across different time periods.

Quick Lending

Pros & ConsConcentrated order timing, may miss high interest rates
Orders per Batch20 orders
Reserve Orders0 orders
Lending Period2 days
Speed StrategyQuick Lending
Incremental Lending0%

“I like to see quick results and don't want my funds to sit idle for too long. Even if the interest rate isn't the highest, I'm satisfied as long as the funds can flow quickly.”

Suitable for:

  • Those who prefer short-term investments and value fund liquidity
  • Those who don't mind missing high interest rates as long as funds can operate quickly

Batch Lending👍 Recommended

Pros & ConsDispersed order timing, can capture different interest rates
Orders per BatchOver 100 orders
Reserve Orders1–5 orders
Lending Period30 – 120 days
Speed StrategySlow High-Interest
Incremental Lending0.5%

“I believe in the importance of risk diversification and am willing to wait patiently to find the best position for my funds at different interest rates.”

Suitable for:

  • Those who focus on risk diversification and are willing to hold long-term
  • Those who want their funds to achieve average returns at different interest rates

High-Interest👍 Recommended

Pros & ConsOrders gradually become long-term, locking in high interest rates
Orders per Batch50 orders
Reserve Orders5–10 orders
Lending Period30 – 120 days
Speed StrategySlow High-Interest
Incremental Lending0.2%

“I want to find a balance between stability and high returns, willing to lock in high interest rates for some funds while maintaining flexibility.”

Suitable for:

  • Investors seeking balance between returns and flexibility
  • Those willing to lock in high interest rates for some funds while keeping others liquid

Long-term Only

Pros & ConsConcentrated order timing, very slow — may lock in sub-optimal rates
Orders per Batch20–50 orders
Reserve Orders20 orders
Lending Period120 days
Speed StrategySlow High-Interest
Incremental Lending0.2%

“I'm not in a hurry to use these funds and am willing to lock in high interest rates long-term to pursue maximum returns.”

Suitable for:

  • Investors with longer fund idle periods who pursue high returns
  • Those who don't mind long-term fund locking and value high interest rate returns

Ready to configure your bot?

Open Bot configuration →