Stratum vs FULY.AI for Bitfinex lending.
Stratum gives you 11 backtested strategies you can read and verify, a paper mode to prove a strategy before you risk a dollar, and a flat monthly fee that never climbs with your balance — all on a withdraw-disabled key that can never move your coins. Both tools are non-custodial and leave your balance in your own Bitfinex account, so the choice is about transparency and proof: strategies you can inspect and replay versus FULY's closed "AI" FBRR/IBRR models, backtest plus paper mode versus no public backtests, and flat pricing versus a subscription tiered by how much capital you lend.
Competitor details are drawn from FULY’s public materials and third-party sources as of 2026 and may change — pricing in particular is tiered and varies by source. Stratum return figures are backtested/modeled, never guaranteed.
Side by side
FULY column reflects FULY’s public materials and third-party sources as of 2026: closed "AI" FBRR/IBRR models, capital-tiered subscription, full zh-Hant/zh-Hans UI, Line notifications, 7 languages, 7-day free trial, and strong Taiwan presence. The “AI” label is FULY’s own marketing and is not independently verifiable; exact pricing tiers vary by source and may change.
When FULY.AI might be the better pick
If you are a Taiwanese lender, FULY is a strong choice: it is the most popular Bitfinex lending bot in Taiwan, with native Traditional Chinese support, Line notifications, and the longest local track record. Stratum offers zh-Hant and zh-Hans too, so if you want transparent backtestable strategies, paper mode, and flat pricing alongside that, Stratum is the more focused fit.
The fee math: flat vs capital-tiered
FULY does not take a percentage of your interest, but its subscription is tiered by how much capital you lend — the bigger your book, the higher the plan. Stratum’s fee is flat and does not climb with your balance. The table below is illustrative: FULY’s tiers vary by source, so the numbers shown are a reasonable reading of reported entry-to-mid pricing, not a quote. The point is the shape, not the cents.
Illustrative only — FULY’s exact tier breakpoints and prices vary by source and may change; Stratum’s tier at each book size is approximate. The takeaway is the shape: a capital-tiered fee rises as your book grows, while a flat fee does not, so flat pricing tends to win as you scale. At small balances the two can be close. Run your own numbers in the APR calculator.
Transparent strategies, not a black box
FULY markets closed "AI" models (FBRR / IBRR) you cannot inspect, with no public backtests. Stratum ships 11 named, backtested strategy algorithms — FRR tracking, rate spreads, maturity ladders, spike catching, and adaptive variants — and lets you replay each on historical Bitfinex funding data, then run paper mode before risking live capital. You can read how each one behaves and tune it yourself.
Browse the 11 strategies →Proof before live, and tax built in
Stratum reconciles earnings to the Bitfinex funding ledger and exports them as CSV, TurboTax TXF (US Schedule B), German Anlage KAP, and PDF. Before any of that, you can backtest and paper-trade a strategy so you see how it behaves before committing real capital. Keys are stored AES-256-GCM encrypted with TOTP 2FA, and any withdraw- or trade-capable key is rejected when you add it.
How Stratum secures keys →Stratum vs FULY.AI FAQ
Is FULY.AI safe?
FULY.AI is non-custodial: it connects through a Bitfinex API key and leaves your coins in your own Bitfinex account, the same custody posture Stratum uses. The practical difference is transparency, not custody — FULY runs closed "AI" models you cannot inspect, while Stratum ships strategies you can read, backtest, and paper-trade first. With either tool you still carry Bitfinex platform risk and crypto market risk.
What are FBRR and IBRR, and can I see how they work?
FBRR and IBRR are FULY’s proprietary "AI" rate-prediction models. They are a black box: there are no public backtests and the strategy logic is not disclosed, so you cannot verify how they behave before committing capital. Stratum takes the opposite approach — 11 named algorithms (FRR tracking, rate spreads, maturity ladders, spike catching, adaptive variants) that you can read, backtest on historical Bitfinex data, and run in paper mode before going live.
Does Stratum take a cut of my earnings?
No. Stratum charges a flat monthly subscription ($9 / $29 / $99) and never takes a percentage of your Bitfinex lending interest. FULY does not take a percentage cut either, but its subscription is tiered by how much capital you lend — so the price climbs as your book grows. Stratum’s flat fee does not move with your balance, which is what makes it cheaper as you scale up.
Can I switch from FULY.AI to Stratum?
Yes. Both are non-custodial, so there is nothing to move on-chain. Create a scoped Bitfinex API key for Stratum (funding enabled, withdrawals disabled), backtest the strategy you want, run it in paper mode to confirm behavior, then stop FULY before turning live offers on. Your funds never leave Bitfinex during the switch.
When is FULY.AI the better choice?
If you are a Taiwanese lender who wants native Traditional Chinese support, Line notifications, and the longest local track record, FULY is a strong fit — it is the most popular Bitfinex lending bot in Taiwan, with native zh-Hant support and an established affiliate-blog ecosystem around it. Stratum offers zh-Hant and zh-Hans as well, so if you also want transparent backtestable strategies, paper mode, and a flat fee that does not climb with your balance, Stratum covers the local languages and adds the depth.
Is Stratum cheaper than FULY.AI?
It depends on your book size. FULY’s subscription is tiered by lending capital, so a small balance may land on a low entry tier (reportedly ≈$5–$23/mo depending on tier and source) while a large balance pays more. Stratum’s flat $9 / $29 / $99 does not climb with your balance, so it tends to win as you scale. At small balances the two can be close — we describe the model rather than claim to be unconditionally cheaper, because FULY’s exact tiers vary by source.
Are Stratum’s returns guaranteed?
No. Every return figure on this site is backtested or modeled, not a live track record. Real out-of-sample funding returns are regime-bound and sit near the prevailing market rate (roughly 8.5–10% APR in our testing). Returns move with the market and are never guaranteed by Stratum or anyone else — and the same caveat applies to any "AI" prediction model.
Try the transparent, flat-fee Bitfinex bot
Keep your coins on Bitfinex, backtest and paper-trade a real strategy first, and pay a flat monthly fee that does not climb with your balance. Coming from FULY? Switching takes about fifteen minutes — and zh-Hant and zh-Hans are both supported.
Competitor details are from FULY’s public materials and third-party sources as of 2026 and may change. Stratum return figures are backtested or modeled, never guaranteed.