Rates
Live Bitfinex funding rates with trends and stats
Recently, the top half of EarnUSD lenders earned about 12.1% APR on USD and 11.3% APR on USDT — daily average, after Bitfinex fees. Live FRR and 24-hour trends are below.
Top 50% lenders daily earnings
Median-to-95th percentile daily interest of EarnUSD members, after Bitfinex fees. Reflects what active lenders actually earned — not market FRR.
13.78%
Avg
10.20·22.14min / max
13.00%
Avg
5.54·29.68min / max
0.2050%
Avg
0.0366·1.9848min / max
- BTC
- USD
- USDT
2025-07-06 → 2026-07-06
24-hour rate trends
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FAQ
What is the current Bitfinex lending rate?
This page shows live FRR and order-book rates from Bitfinex. Rates move in real time with supply and demand, so check back for the latest figure.
What is FRR (Flash Return Rate)?
FRR is Bitfinex's live market-average lending rate — the volume-weighted average of active fixed-rate offers. Set an offer to FRR and your rate tracks the market automatically.
Why do lending rates change so much?
Rates are set by supply and demand for margin funding. When many traders want to borrow (often in volatile markets), rates spike; when demand is low, rates fall.