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 & Cons | Concentrated order timing, may miss high interest rates |
| Orders per Batch | 20 orders |
| Reserve Orders | 0 orders |
| Lending Period | 2 days |
| Speed Strategy | Quick Lending |
| Incremental Lending | 0.2% |
“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 & Cons | Dispersed order timing, can capture different interest rates |
| Orders per Batch | Over 100 orders |
| Reserve Orders | 1–5 orders |
| Lending Period | 30 – 120 days |
| Speed Strategy | Slow High-Interest |
| Incremental Lending | 0.5% |
“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 & Cons | Orders gradually become long-term, locking in high interest rates |
| Orders per Batch | 50 orders |
| Reserve Orders | 5–10 orders |
| Lending Period | 30 – 120 days |
| Speed Strategy | Slow High-Interest |
| Incremental Lending | 0.2% |
“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 & Cons | Concentrated order timing, very slow — may lock in sub-optimal rates |
| Orders per Batch | 20–50 orders |
| Reserve Orders | 20 orders |
| Lending Period | 120 days |
| Speed Strategy | Slow High-Interest |
| Incremental Lending | 0.2% |
“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 → →FAQ
How do I start using EarnUSD?
Three steps: register, connect a Bitfinex API key with lending permission only, then set your parameters and start. Your funds stay in your own Bitfinex account.
Do I need to complete KYC on Bitfinex?
Basic verification (email + phone) is enough if you deposit and withdraw via crypto. Full KYC is only needed for fiat methods.
How long until lending starts?
Once your funds are in the Funding Wallet and the bot is running, offers are placed within minutes and rechecked every 5 minutes.
Is connecting my API key safe?
Yes — use a key with lending permission only (no withdrawal). The bot can place and cancel offers but can never move your funds out of Bitfinex.