# FalconLend.ai

> FalconLend.ai automates funding (lending) on Bitfinex. Your funds stay in your own account and the platform has no withdrawal access.

- URL: https://falconlend.ai/en/
- Updated: 2026-10-16

FalconLend.ai automates funding (lending) on Bitfinex. Your funds stay in your own account — the platform has no withdrawal access. Returns and principal are not guaranteed.

## Features

- **You keep custody**: Funds stay in your own exchange account. The platform only helps execute lending, with no withdrawal or transfer access.
- **Over-collateralized**: Borrowers post collateral worth more than the loan, reducing (not eliminating) the risk of loss from default.
- **Automated lending**: Set it once; the system places funding orders by your strategy — no daily monitoring needed.
- **Transparent**: Returns float with market rates, shown clearly in the calculator. No guaranteed-return claims.

## Get started in three steps

1. **Deposit to the exchange**: Deposit funds into your own Bitfinex account ([deposit guides](https://falconlend.ai/en/deposit/)).
2. **Choose a plan**: Pick the plan that fits your capital ([plans](https://falconlend.ai/en/plans.md)).
3. **Set API key & strategy**: Connect your Bitfinex API key, choose a lending strategy, and start earning passively.

## Related pages

- [Security](https://falconlend.ai/en/security.md)
- [Calculator](https://falconlend.ai/en/calculator.md)
- [FAQ](https://falconlend.ai/en/faq/)

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## Risk Disclosure

1. **Rate volatility**: Funding rates float with market supply and demand; there is no fixed or guaranteed return. You can set a "minimum lending rate," but setting it too high may leave funds idle and unlent, lowering your effective APR.
2. **Exchange / platform risk**: Your funds are held at a third-party exchange (e.g., Bitfinex). Insolvency, hacks, frozen withdrawals, or regulatory changes could cause loss or make funds unrecoverable — outside this platform’s control.
3. **Crypto price volatility**: If collateral value drops sharply, default losses can still occur under extreme conditions.
4. **Liquidity risk**: In quiet markets, funds may not be lent out or may not be redeemable immediately.
5. **Smart contract / technical risk**: System errors, downtime, and operational mistakes can occur.
6. **Regulatory risk**: Crypto regulation in Taiwan and the US continues to evolve and may affect the service or your taxes.
7. **Tax responsibility**: Reporting lending income is your own responsibility.
8. **Platform service risk**: The platform only helps execute lending; if the service is interrupted, you must manage your positions yourself.

**Important:**

This site is for informational purposes only and is **not investment or financial advice**. Lending **does not guarantee principal or returns**; it is not a deposit and is not insured, and past performance does not indicate future results. 

Please read Bitfinex’s public disclosures and assess the risks yourself before lending, or consult a professional. 

We make a good-faith effort to keep information up to date, but markets change quickly; if anything differs from a third-party platform’s announcements, the third-party platform prevails. 

FalconLend’s official social accounts are for sharing information only. We will never message you first, or ask for your API keys, passwords, or any transfer. Beware of impersonators.

Full page: https://falconlend.ai/en/risk/