Yield
XMR on Bitfinex
Bitfinex pays 2.05 % APY on Monero (XMR) as a Earn rate. On YieldScope Bitfinex carries a safety grade of D, scored across five risk criteria. Below: where XMR earns more — and where it earns safer.
Yield source: Lending demand
Where else XMR earns
Bitfinex currently has the top XMR rate we track. Here's the rest of the field, ranked by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Bitfinex (this page) | 2.05 % | 🔒 Earn | D |
 CoinEx Earn | 0.08 % | Flexible | D |
Why Bitfinex is graded D
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✗ Regulation
Registered in the British Virgin Islands with no major-market retail licence; blocked in the US and restricted in the UK/Canada. A 2021 NYAG settlement ($18.5M) covered the Tether/Bitfinex misrepresentation of reserves. Source →
- ✗ Proof-of-Reserves
A post-FTX proof-of-reserves (via BitGo, ~$15B estimated) exists, but there is no regular independent third-party audit. Source →
- ✓ Flexible withdrawal
Funding is a peer-to-peer lending market — you can recall unused funds at any time; offered loans return at the end of their (often daily) term. Source →
- ✗ Insurance Fund
No dedicated customer insurance fund for funding/earn balances. Source →
- ✓ Track record (2+ years incident-free)
Operating since 2012, one of the longest-running exchanges. A 2016 hack (~$72M / 120k BTC) was later made whole via a token-based recovery; no comparable breach since. Source →
XMR rate history on Bitfinex
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How XMR yields moved across exchanges
from 2026-06-28 to 2026-07-17
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
This is not an affiliate link. Price for you doesn't change.
How XMR earns on Bitfinex
When you deposit XMR into Bitfinex's earn product you receive 2.05 % APY as a Earn rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. Bitfinex carries a YieldScope safety grade of D, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on XMR move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.