Stratum vs Willy for Bitfinex lending.
Stratum gives you 11 backtested strategies you can verify on real Bitfinex funding data, paper mode before you risk a dollar, ledger-correct earnings and tax exports, withdraw-disabled keys, and a flat $9 entry — repricing every 60/30/15 seconds. Both bots are non-custodial, so custody is not the deciding factor; Willy is the established, closed-source alternative, reportedly priced around ~$22/mo with a ~15-minute reprice loop and strong Taiwan support. The question is how much you want to see and tune what your bot does.
Competitor figures are drawn from public sources as of 2026, hedged where they vary, and may change. Stratum return figures are backtested/modeled, never guaranteed.
Side by side
Willy column reflects publicly reported details (a flat subscription around ~$22/mo, a ~15-minute reprice loop, USD/USDT support, a 7-day trial, popular in Taiwan) as of 2026. Exact pricing and cadence vary by source and may change; confirm current figures on Willy’s own channels before deciding.
When Willy might be the better pick
If you already run Willy and rely on its Taiwan-focused support and community, that longer local track record is a real reason to stay — switching always costs a little time. If continuity with a bot you already trust matters more than a faster reprice cadence, verifiable backtested strategies, paper mode, and structured tax exports, Willy is a reasonable pick.
The price math: flat vs flat
Neither Stratum nor Willy takes a percentage of your interest, so this is a straight flat-fee comparison rather than a crossover. The difference is the absolute monthly number and what each plan buys. The table below is illustrative, using Willy’s reported ~$22/mo against Stratum’s published $9/$29/$99 tiers; your annual cost is just twelve times the monthly figure regardless of book size.
Illustrative only — Willy’s ~$22/mo is a public-source figure that may change, and Stratum’s tier depends on the reprice cadence and capacity you want, not on your balance. Because neither bot takes a cut of interest, your book size does not change the monthly fee on either side. Confirm current Willy pricing before deciding.
Transparent strategies, not a black box
Willy’s automation is closed-source — you cannot see how it sets or reprices offers. 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 it in paper mode before risking live capital. You can read how each one behaves and tune it.
Browse the 11 strategies →Reporting 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. If filing matters to you, that is hours saved at year-end. 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 Willy FAQ
Is Willy safe?
Willy is non-custodial: it connects through a Bitfinex API key and leaves your coins in your own Bitfinex account, so it cannot move your funds off the exchange. That is the same custody posture Stratum uses. The difference is key scope discipline — Stratum rejects any withdraw- or trade-capable key when you add it, so a Stratum key is structurally limited to funding. You still carry Bitfinex platform risk and crypto market risk with either tool.
Does Stratum take a cut of my earnings?
No. Stratum charges a flat monthly subscription ($9, $29, or $99 per month) and never takes a percentage of your Bitfinex lending interest. Willy is also a flat subscription (reported at around ~$22/mo), so neither tool skims your interest. The pricing difference is the absolute number: Stratum starts lower at $9/mo, and the plan you pick fixes your reprice cadence rather than your cut.
Can I switch from Willy 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), run Stratum in paper mode to confirm behavior, then turn off Willy before enabling live offers. Your funds never leave Bitfinex during the switch.
When is Willy the better choice?
If you already run Willy and rely on its Taiwan-focused support and community, its longer local track record is a real reason to stay put. Stratum is the better fit if you want a lower flat entry price, a faster reprice option, verifiable backtested strategies, paper mode, and structured tax exports — the things that let you see and control what your capital is doing.
Is Stratum cheaper than Willy?
At the entry tier, yes: Stratum starts at $9/mo versus Willy’s reported ~$22/mo, and neither takes a cut of your interest, so the comparison is just the flat numbers. Stratum’s higher plans ($29 and $99) buy a faster reprice cadence and more capacity, and every tier comes with the 11 backtested strategies, paper mode, ledger-correct reporting, and tax exports — so the flat fee buys real tooling, not just access. Exact Willy pricing comes from public sources and may change, so confirm current numbers before deciding.
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.
Run the backtest, then go live in seconds
Verify the 11 strategies on real Bitfinex funding data, dry-run them in paper mode, then go live on a flat $9/$29/$99 plan with no cut of your earnings and a reprice cadence as fast as 15 seconds. Already on Willy? Switching takes about fifteen minutes.