A Bitfinex Lending Pro alternative for margin funding automation.
Bitfinex retired its Lending Pro automation in August 2024. Margin Funding, Auto-Renew, and FRR are still live and free — and Stratum adds book-aware offers, 11 backtested strategies, paper mode, ledger-correct reporting, and tax exports on top, for a flat fee.
What was Bitfinex Lending Pro?
Bitfinex Lending Pro was an automated loan-routing feature that managed margin funding offers on a lender's behalf. Bitfinex retired the Lending Pro automation effective 28 August 2024, leaving the interface view-only until it was removed on 11 September 2024 (per the Bitfinex announcement mirrored by CoinCarp). Importantly, Bitfinex did not stop lending: ordinary Margin Funding, Auto-Renew, and FRR remain live and free today.
So the question for lenders is not whether you can still lend on Bitfinex — you can — but how to automate it well now that the built-in routing is gone. That is the gap Stratum fills, without replacing the free native tools you already have.
Your options now
Bitfinex native (free baseline)
Auto-Renew re-offers returned funds automatically, and FRR (the hourly weighted-average funding rate) gives you a one-rule default. FRR Delta lets you offer at FRR plus or minus an offset. This is free and genuinely keeps your capital lent — it is the right starting point for most lenders.
Stratum (added optimization)
Native FRR refreshes only hourly and follows a single rule. Stratum scans the funding book for the best fillable rate, ladders maturities, splits large balances above the ~$150 minimum, reacts within the hour, and runs 11 backtested algorithms — then adds an earnings ledger, tax exports, paper mode, and multi-account support.
Bitfinex's free FRR and Auto-Renew are a solid baseline and we do not pretend otherwise. Stratum is added optimization plus reporting and tax — useful once manual checking and a single hourly rule stop keeping up with the funding book. See how it works or the APR calculator.
Lending Pro vs Stratum: what you get
Return figures referenced on Stratum are backtested and modeled only — there is no live track record. Modeled out-of-sample results are roughly 8.5–10% APR, regime-bound, and never guaranteed. You keep Bitfinex platform and market risk. Review security and flat-fee pricing before you start.
Set up in four steps
Lending Pro alternative FAQ
What happened to Bitfinex Lending Pro?
Bitfinex retired its Lending Pro automated loan-routing feature effective 28 August 2024, with the interface left view-only until 11 September 2024 (per the Bitfinex announcement mirrored by CoinCarp). Ordinary Margin Funding, Auto-Renew, and FRR were not discontinued — they remain live and free on Bitfinex.
Did Bitfinex stop lending?
No. Bitfinex only retired the Lending Pro automation layer. You can still lend on Bitfinex today: Margin Funding, Auto-Renew, and FRR all work and cost nothing.
What are my options now that Lending Pro is gone?
First, the free native baseline: Auto-Renew re-offers your returned funds and FRR gives a one-rule default rate. If you want more, Stratum adds book-aware offers, maturity ladders, sub-hour repricing, 11 backtested algorithms, an earnings ledger, tax exports, paper mode, and multi-account support — for a flat subscription.
Is Stratum an official Bitfinex Lending Pro replacement?
No. Stratum is independent software, not affiliated with or endorsed by Bitfinex. It connects to Bitfinex only through an API key you create and control, and it covers the same lender workflow Lending Pro automated.
Is Stratum custodial?
No. Stratum is non-custodial. Your funds stay in your own Bitfinex account, and Stratum requires an API key with withdrawals disabled — it inspects the scope at add-time and rejects any key that can withdraw or trade.
What returns can I expect?
Stratum has no live track record, so all return figures are backtested and modeled, never guaranteed. Out-of-sample modeling lands roughly 8.5–10% APR and is regime-bound, meaning real results track the prevailing Bitfinex funding market. You remain exposed to platform and market risk.
Can I keep using Bitfinex native lending alongside Stratum?
Yes. You can pause Stratum, cancel offers, or rely on Bitfinex Auto-Renew and FRR at any time. Stratum is added optimization and reporting, not a replacement for the exchange.
How much does Stratum cost?
Plans are a flat $9–$99 per month with a 0% cut of your lending earnings — never a percentage of what you earn.
Automate Bitfinex funding after Lending Pro.
Add a scoped, withdraw-disabled API key, backtest a strategy, dry-run in paper mode, and go live for a flat fee — while Bitfinex Auto-Renew and FRR stay as your free fallback.