Phoenix Funding

Phoenix Funding automates margin lending offers on Bitfinex, and it runs on your own Windows machine instead of someone else's server.

On Bitfinex you can lend your dollars to margin traders and collect interest. Placing one offer takes two minutes. Keeping offers placed is the problem: rates move constantly, loans return to your wallet at all hours, and what comes back fragments into odd-sized amounts. It is a small task that never finishes.

Every tool I could find that solves this is a cloud service. You hand over an API key, and you pay a monthly fee plus, in most cases, a percentage of your interest, indefinitely. I wanted neither, so I built one that runs locally.

Your API key is encrypted on your own disk and is never transmitted anywhere except to Bitfinex. There is no account to create and no server holding anything of yours. The app cannot trade, cannot use leverage, and cannot withdraw — you create the API key without withdrawal permission, so the credential itself has no path to move funds off the exchange.

One-time purchase. No subscription, no cut of anything.

I deliberately publish no return figures anywhere, including my own. Funding rates move constantly and someone else's result tells you nothing about yours. The site points you at the public market data so you can read the live numbers yourself before deciding whether this is worth your time.