ZenIncome
USD savings, 10× the interest
Maximize your funding returns with intelligent, automated lending strategies
What is ZenIncome?
ZenIncome is an automated Bitfinex lending platform that continuously places USD and USDT funding offers across multiple rate tiers, typically earning 10–15% APR — roughly 30% more than Bitfinex's FRR auto-renew. Funds stay in your own Bitfinex account; the 4.88% service fee applies only to actual earnings. AES-256 encrypted, no annual contract.
Why ZenIncome
Earn 30% More Than Auto-Renew
Algorithm analyzes market depth in real time, placing offers across multiple rate tiers instead of blindly using FRR — achieving higher average rates than auto-renew
Earn While You Sleep
Strategies execute every 2 minutes, 24/7/365. Auto re-places on expiry, auto-grabs when rates spike. You do nothing
Zero Risk to Start, Leave Anytime
No annual contract, no upfront service fees. Only a 4.88% service fee on actual lending interest earned. Not happy? Turn it off anytime — your funds are always yours
FAQ
Common questions about ZenIncome and Bitfinex lending
What is ZenIncome?▾
ZenIncome is an automated Bitfinex lending platform that uses algorithms to optimize your lending rates, keeping your funds working 24/7 to maximize your lending returns.
Why choose ZenIncome?▾
ZenIncome is a 24/7 automated lending strategy platform that continuously tracks market conditions and optimizes your lending rates in real time, keeping your funds performing at their best. We use a "pay only when you earn" model — you're only charged a service fee when you actually receive lending income. No annual fees, no upfront service fees. You can stop anytime with zero commitment.
Who is ZenIncome for?▾
1. Flexible investors — Need to reallocate funds freely? No annual lock-in, pay only when you earn, enter and exit anytime. 2. Large capital holders — No deposit limits. Your funds always stay in your own Bitfinex account, secure and easy to manage. 3. Community leaders & KOLs — Earn generous referral commissions. Add a stable financial service to recommend to your audience with ongoing commission income. 4. Those seeking steady returns — Bitfinex lending has a long track record with annual returns consistently between 10-18%, ideal for those who prefer low-risk passive income.
How do I get started with ZenIncome?▾
Just three steps: 1) Sign in with your Google account 2) Connect your Bitfinex API key (funding permissions only) 3) Create a lending strategy and enable it. The system will automatically start placing lending offers for you. Don't have a Bitfinex account? Sign up free at https://www.bitfinex.com/sign-up?refcode=6zXImPZkn
How does ZenIncome charge?▾
ZenIncome uses a "pay only when you earn" model. Your lending funds always stay in your own Bitfinex account — we never touch your capital. ZenIncome charges a platform service fee: 4.88% of gross daily lending interest, deducted from your pre-loaded ZenIncome service-fee balance only after interest is received. It is not deducted from your Bitfinex account. Bitfinex separately takes its own 15% funding fee from lending interest before the remaining 85% is credited to your Bitfinex account. That is Bitfinex's fee, separate from ZenIncome's service fee. No earnings = no ZenIncome service fee. Top-ups are for paying the platform service fee, not lending capital.
How do I top up?▾
Go to the 'Top Up' page, enter the amount, and follow the instructions to transfer from Bitfinex to the specified address. The system scans every 10 minutes for confirmation. Only Bitfinex transfers are supported — internal transfers are fee-free.
Start Earning Now
Set up in 2 minutes. No credit card required.