Lending
Lend out the crypto you hold and receive interest on a regular basis. KLF HONGKONG Lending is a simple, easy-to-understand way to grow your assets.
Turn idle assets into working assets
Crypto lending means lending out the assets you hold for a set period and receiving interest in return.
Much like interest on a bank deposit, it lets you make use of assets sitting idle in your wallet. It centers on the price-stable stablecoin USDT, making it approachable even for beginners.
* Specific terms such as rates and minimums will be published once finalized.
How it works
From lending out to receiving interest — done in four steps.
Choose an asset
Select the crypto to lend (such as USDT) and the amount.
Choose a term
Pick a term such as 1, 3 or 12 months.
Lend it out
Once you apply, lending begins and interest starts to accrue.
Receive interest
At maturity, your principal and interest are returned to your wallet.
Benefits of lending
Steady interest income
Earn interest regularly while limiting exposure to price swings.
Simple to use
Just choose an amount and a term — no expertise required.
Flexible plans
Select the term and currency that fit your goals.
Clear rates
Check the rate and estimated interest before you lend.
Managed framework
Operated with collateral and risk-management measures in place.
Smooth integration
Lend assets straight from your wallet.
How the plans work
Plans with selectable terms. Specific rates and minimums will be published once finalized.
| Currency | Term | Est. APR | Minimum |
|---|---|---|---|
| USDT | Short-term | Coming soon | Coming soon |
| USDT | Mid-term | Coming soon | Coming soon |
| USDT | Long-term | Coming soon | Coming soon |
| BTC / ETH | Planned | Coming soon | Coming soon |
* Specific terms such as rates and minimums are being finalized and will be published here. Rates do not guarantee future results and may change with market conditions.
How interest is calculated
The interest you receive is worked out with this simple formula.
* At application, an estimate based on the applicable rate and lending days is shown. Actual interest is returned with your principal at maturity (compounding not included).
Understand the risks clearly
Lending earns interest but carries some risks. KLF HONGKONG works to manage collateral and counterparties, but not all risk can be eliminated.
- Assets generally cannot be withdrawn during the lending term
- Valuations change with the price of the crypto itself
- Rates and terms may change if markets move sharply
Key risks
- Price risk: the market price of crypto may fall.
- Liquidity risk: withdrawals are restricted during the term.
- Credit risk: risks arising from borrowers or the platform.
A leading stablecoin pegged to the US dollar
A digital currency built for price stability
USDT (Tether) is the leading “stablecoin,” designed to track the value of the US dollar.
Designed to hold a value of roughly 1 USDT ≈ 1 USD, it fluctuates far less than Bitcoin and the like — well suited to lending for those who want interest with limited price risk.
Service overview
The main terms of the lending service.
| Item | Details |
|---|---|
| Currencies | USDT and other crypto assets |
| Term | Short / mid / long, etc. (selectable) |
| Minimum | Coming soon (varies by asset) |
| Interest calc. | Amount × est. APR × days ÷ 365 |
| Interest paid | Returned with principal at maturity |
| Early exit | Generally not allowed during the term |
| Eligibility | All verified customers |
* Details are illustrative; actual specifications and supported currencies may change.
Frequently asked questions
Start growing your assets with lending
Opening an account is free. Create an account and see which assets you can lend.