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Lending Services

Earn a passive return on your cryptoassets with our Lending services combining the power of decentralized finance (DeFi) protocols and centralized platforms (CeFi).

* The APY (Annual Percentage Yield) is given as an indication and is likely to change upwards or downwards over time depending on market developments.

** Lending is a service that involves the risk of partial or total loss of capital. For more information, please consult our FAQ and our Terms and Conditions.

All lending services

LP-000 Lending Stablecoins
Available for deposit & withdrawal
BUSD USDT USDC DAI USDP
Lockup time 24 Hours
4,60 %* APY
LP-001 Lending ETH
Available for deposit & withdrawal
ETH
Lockup time 24 Hours
3,82 %* APY

Description of the offer

Both decentralized finance (DeFi) and centralized finance (CeFi) offer many opportunities for passive returns.

By combining these opportunities, including via lending-borrowing and liquidity providing/yield farming activities on decentralized finance (DeFi) as well as the use of centralized platforms (CeFi), the Lending service as offered by Just Mining allows for the generation of a return on deposited crypto assets.

Frequently asked questions

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How does Just-Mining's lending service work?
When you subscribe to Just Mining's Lending you instruct Just Mining to place your crypto assets on protocols (DeFI), compounders (DeFi) and CeFi platforms listed in the Terms and Conditions.

The selection made by Just-Mining is designed on a risk-based approach and not on a return-based approach. Thus, we do not seek to maintain a fixed performance, we rather seek to maintain a coherent balance between exposure and risk.

Returns are achieved by combining different opportunities, notably through lending-borrowing and liquidity providing/yield farming activities on decentralized finance (DeFi) as well as the use of centralized platforms (CeFi).
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What is a stablecoin?
The term stablecoin refers to a crypto asset issued on the blockchain, whether by a regulated entity, a decentralized autonomous organization (DAO) or a decentralized finance protocol (DeFi). Their value is most often backed by a fiat currency such as the dollar or the euro. In some cases, they may be more tangible assets of traditional finance such as gold, for example.

The parity between the stablecoin and its underlying can be maintained through various mechanisms (collateralization, algorithm ...).
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What is the Peg?
Peg represents the parity established between an asset and its underlying. Notably in the cases of stablecoins backed by the US dollar, it is accepted that one token is equivalent to one dollar.

By extension, the loss of parity that an asset may suffer in relation to its underlying is called de-peg.
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What is the difference between APR and APY?
The APR (Annual Percentage Rate) is the annualized gross interest rate.

The APY (Annual Percentage Yield) is the annualized gross interest rate, adding back compound interest. You can activate compound interest from your lending contract.
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What is a liquidity pool?
A liquidity pool is a reserve of liquidity locked in a smart contract and available to users and protocols of decentralized finance.

These liquidity pools allow, in particular, to ensure exchange, loan and borrowing operations of the funds available on them, at any time and without a trusted third party. They are the central element of the DeFi ecosystem.

Anyone who can contribute liquidity to a pool. He receives in exchange an LP tokens that represents the asset(s) deposited in this pool.
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What are the risks associated with the Lending service?
The main risks to which this service is exposed are the following (non-exhaustive list):

• Counterparty risk related to the failure of DeFi protocols and compounders (decentralized finance) and CeFi platforms (centralized finance).
• Risk related to the use of one of the blockchains
• Risk of volatility of the crypto assets contained in the diversification of the service
• Risk of loss of parity (de-peg) of the cryptoactives contained in the diversification of the service
• Risk related to the liquidity of the cryptoactives
• Risk of loss of funds (including hacking)
• Risk related to the economic and financial environment
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