Yield
Lune.fi
Is Lune.fi safe? It scores F on our five safety checks, passing 0 of 5 — ; not passed: Regulation, Proof-of-Reserves, Flexible withdrawal, Insurance Fund, Track record (2+ years incident-free). Every check below cites the evidence behind it and links its source.
Why this grade
- ✗ Regulation
No license or registration anywhere — neither in the platform's own materials nor in independent reviews. The legal entity is undisclosed, the team anonymous, and there is no KYC. Reviews cite the Grenadines as headquarters — with no supporting document whatsoever. Source 1 → Source 2 →
- ✗ Proof-of-Reserves
Proof-of-reserves is mentioned nowhere. The claimed "continuous security audits" come with no auditor name and not a single published report. The TVL and trading volumes that supposedly fund the yield are undisclosed. Source →
- ✗ Flexible withdrawal
Top rates require a 360-day pool; early exit returns only the principal and forfeits ALL accrued interest. That is not flexible withdrawal — it is a one-year lock with a penalty equal to the entire yield. Source →
- ✗ Insurance Fund
No deposit insurance — the platform itself admits there is no FDIC-style protection and no insurance fund. The Fireblocks/Safe Wallet mentions are marketing claims with no independent verification. Source →
- ✗ Track record (2+ years incident-free)
No verifiable history: no independent press, no public metrics, not a single Reddit thread. The economics of 29.5% on stables "from 0.4–5.9% swap fees" do not publicly add up — the same unexplained-yield pattern Anchor (−100%, 2022) and Celsius (bankrupt, 2022) showed before collapsing. Source 1 → Source 2 →
Incidents we count
Known incidents
No known incidents in the past 2 years
All Lune.fi products
Yield products
as of Jul 28, 2026| Product | Rate | Type | Lock | |
|---|---|---|---|---|
| USDC | 29.5 % | locked | ⏳ 360 days | Open Lune.fi → |
| USDT | 29.5 % | locked | ⏳ 360 days | Open Lune.fi → |
| BTC | 21.5 % | locked | ⏳ 360 days | Open Lune.fi → |
| ETH | 21.5 % | locked | ⏳ 360 days | Open Lune.fi → |
What would Lune.fi pay you?
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.
How yields have moved
Source: daily snapshots via exchange API · accumulating since YieldScope launch
Paid placement · price for you doesn't change · we earn a share per click via the Bitcompare ad network
Compare Lune.fi with others
Asset-by-asset rates and risk grades