Multi-Currency Lending: Run USD, USDT, and XAUt Bots
One Account Shouldn't Be Limited to One Currency
If you've been using LendPace for automated lending, you've probably had this thought: "I have both USD and USDT in my Bitfinex account — why can't I lend both at the same time?"
The old answer was: you can't. The system could only manage one lending bot at a time, forcing you to choose between USD and USDT. That meant your other funds sat idle, or you had to manually switch — stopping the bot, changing the currency, and restarting every time.
That limitation is now gone.
LendPace's new multi-currency lending feature lets you run up to 3 independent lending bots under a single account, each handling a different currency. No switching, no waiting — all your funds earn interest simultaneously.
How It Works: One Currency, One Bot
The concept is simple: each currency gets its own independent lending bot. Currently supported currencies:
- USD — the most popular funding currency on Bitfinex
- USDT — Tether stablecoin, with high demand and frequent rate fluctuations
- XAUt — Tether Gold, a tokenized gold asset (see our dedicated article for details)
Each bot operates completely independently: its own strategy, on/off state, and lending history. You can run the USD bot on "High Yield" while the USDT bot runs "Quick Fill" — because different currencies have different market characteristics.
The rules are intuitive:
- One bot per currency (no two USD bots competing with each other)
- The number of exchanges you can use depends on your subscription plan: Basic allows 1 exchange, Pro allows 2, VIP allows all 3 exchanges. Within each exchange, you can run all available currencies freely
- All bots share the same API Key — no extra configuration needed
Behind the scenes, the IBRR algorithm automatically adjusts parameters per currency. For example, XAUt's minimum lendable amount is 0.05 (roughly $150 equivalent), while USD/USDT minimum is 150 — you don't need to worry about this, the system handles it for you.
Setup Guide: Start Multi-Currency Lending
All Three Currencies, Ready to Go
Open the Settings page — in the Lending Bots section, you'll see three bot cards already set up: one for USD, one for USDT, and one for XAUt. Each card shows the currency, current status, and strategy.
No need to create bots manually — the system pre-configures all three currencies for you as soon as you add your API key.
Enable a Currency
To start lending a currency, simply flip the toggle switch on its card. The system checks your Bitfinex balance automatically — if you have enough funds (at least 150 USD/USDT, or 0.05 XAUt), the bot starts running immediately.
How many exchanges you can use depends on your plan:
- Basic — 1 exchange
- Pro — up to 2 exchanges
- VIP — all 3 exchanges
Within each exchange, you can run all available currencies at no extra cost. If you've reached your exchange limit, the remaining exchanges will be disabled with a hint message. Upgrade your plan to unlock more exchanges.
Control Each Bot Independently
Each bot card has its own toggle and strategy selector:
- Toggle switch — start or stop independently without affecting other bots
- Change strategy — stop the bot first, then select a different strategy from the dropdown
Dashboard: All Bots at a Glance
The Dashboard has been upgraded too. Instead of a single status card, each bot now has its own card showing currency, running state, and strategy side by side.
The rate overview section automatically uses the first running bot's currency to display IBRR and FRR rates. For example, if your USD and XAUt bots are both running, the rate section shows USD market rates.
On the Lending Records page, the currency filter now includes XAUt, making it easy to view lending history and earnings for each currency separately.
Put Every Dollar to Work
Multi-currency lending solves a practical problem: your Bitfinex account doesn't hold just one asset. Instead of letting funds sit idle or constantly switching manually, let three bots work simultaneously, each optimizing for its own market.
Setup takes less than a minute — open the Settings page, toggle on the currencies you want, and you're done. If you're interested in XAUt gold lending, check out our next article: Earn Passive Income with XAUt Gold Lending.
Frequently Asked Questions
How many currencies can I lend at the same time?
The plan limit is based on exchanges, not currencies. Within any single exchange (e.g., Bitfinex), you can run all available currencies (USD, USDT, and XAUt) freely on every plan. What differs by plan is how many exchanges you can connect: Basic allows 1 exchange, Pro allows 2 exchanges, and VIP allows all 3 exchanges. Each currency still runs its own independent bot with its own strategy.
Do I need a separate API key for each currency?
No. All bots share the same Bitfinex API key. Once your API key is connected, the system automatically creates bot cards for all three currencies. You just need to toggle on the ones you want to activate.
Can I use different strategies for different currencies?
Yes. Each bot operates completely independently. You can run USD on High Yield while USDT runs Quick Fill, because different currencies have different market characteristics and may benefit from different approaches.
What happens if I downgrade my plan while using multiple exchanges?
If you downgrade to a plan with fewer exchange slots, you will need to disconnect the extra exchanges to match your new plan limit. Active loans on bots within disconnected exchanges will continue until their term expires, and your funds remain safely in your exchange account.
