Bitfinex margin funding: matching, interest and getting funds back

Bitfinex margin funding matches lenders with borrowers. Interest depends on actual borrowing; placing an offer does not itself generate lending income.

From offer to repayment

Prepare eligible funds in the Funding Wallet, choose amount, rate and duration, then submit an offer. Compatible demand may fill all or part of it. The borrowed portion earns interest under the applicable rules until repayment or expiry.

The published minimum offer is USD 150 equivalent. Terms and asset restrictions depend on the current market. Funding offers commonly use 2–120 days, but borrowers can repay earlier, so the requested term is not guaranteed earning time.

Interest and fees

The standard published funding fee is 15% of interest, or 18% for hidden offers, with possible applicable discounts. Check your actual fee. Do not deduct it again from ledger interest that is already net.

A daily rate of 0.02% converts to 7.30% simple APR using 365 days. This conversion does not promise the same rate or full utilization for a year.

When funds become available

Unfilled offers can be cancelled. A lender cannot freely recall an active loan; funds return on repayment or expiry. Stopping a third-party bot does not change the exchange’s loan rules.