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Experience multi-market peer-to-peer lending.

Invest in people and businesses around the world for up to 7% APR. All lending is backed by cryptocurrency collateral. Earn across multiple markets, spreading risk and maximizing reward. No investing fees. Free USD withdrawals. 24-7 customer support.

Or borrow against 0+ cryptocurrencies from just 6% APR. Get the cash or crypto you need instantly without having to sell your portfolio. Your crypto is securely stored and returned to you when you repay.

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myconstant.com
MyConstant crypto

Cryptocurrency collateral (held by us or liquidity pool partners) helps protect your investment returns from borrower defaults.

trustPilot

Reviews 835    Excellent
  4.6/5

From great rates to speedy service, learn how we’ve earned our stars.

Great UX and Returns

MyConstant has been a great user experience. They offer the highest returns and their platform is solid with a very easy to use user interface. I also really like the different fun promotions. Keep up the good work!

GjlcardsMar 3, 2021

Couldn't be happier

All loans are backed by collateral, so there's no need to worry about losing your money through defaulting loaners. Their customer support is second to none. Give it a shot with a small amount and see for yourself.

Tony PachecoMar 2, 2021

Excellent service

The service that ye provide is the best in the industry. I find MyConstant to be much better than others like Celsius where you could be waiting a week for a response. Looking forward to many years ahead of working together with ye in the crypto space

Liam FrewenMar 1, 2021


Why it’s better

Unlike traditional P2P platforms that prey on vulnerable borrowers and expect investors to shoulder the risk, MyConstant is designed to protect them both.
Protection
Reliable returns

Crypto collateral helps protect your investments from borrower defaults.

Free withdrawals
Free withdrawals

Withdraw any amount in USD for free, straight to your bank account.

Flexible terms & best rates
Flexible terms

Enjoy instant access to your funds or the choice of three fixed terms.

24/7 customer support
24/7 customer support

No call centres, no automated messages, just real people ready to help you.

No credit checks
No credit checks

As long as you have the collateral to back your loan, you’re always approved.

myconstant.com
You deserve a better rate

The top US banks lend your deposits but keep most of the profits. With us, you keep all the interest you make – up to 7% APR, which is over 20x better interest than a CD.


How it works

MyConstant connects investors with borrowers to do business together. Crypto collateral backs investors’ funds while our custodial partner safely manages the movement of funds and collateral.
How does MyConstant P2P lending platform works
Investors
Investors deposit any amount and choose to either Lend USD or Lend Crypto.
Collateralized borrowers
Borrowers must put up to 200% of the loan amount in cryptocurrency or a portfolio of cryptocurrencies to obtain the loan.

Our products and benefits

Below is a handy comparison chart
of our products and benefits.
INVEST
BORROW
BENEFITS
Instant access
Fixed term
Crypto Lend
Crypto-backed loans
Suitable for
Novice investors, new customers, and those who need access to their money
Experienced investors who can commit to a fixed term for a better rate
Long-term cryptocurrency holders who want to earn a return on their idle assets
Crypto holders who want cash or new coins without selling their existing assets
Interest rate
4% APY
6-7% APR
6% APY
From 6% APR
Interest paid
Every second
At the end of the term
Every second
N/A

We want to make sure that anyone who is considering or ready to make an investment decision — at all hours of the day — can easily access all relevant information to feel secure in making the decision.

Zon Chu
MyConstant CEO
Forbes writes about MyConstant
CoinSpeaker writes about MyConstant
Entrepreneur writes about MyConstant
Inc writes about MyConstant
Hacker Noon writes about MyConstant
Zero Hedge writes about MyConstant
Yahoo finance writes about MyConstant
Techbullion writes about MyConstant
ZyCrypto writes about MyConstant
Tech Worm writes about MyConstant
Block ONOMI writes about MyConstant
End The Chain writes about MyConstant

Our Press

Our high-yield, collateral-backed investments have gotten a lot of press. Click View press below to find out what finance’s most respected publications think about us.


Frequently-asked questions (FAQs)

Here you'll find answers to the most common questions our customers ask. If you can't find your answer here, please email us at hello@myconstant.com and we'll be happy to help you.

P2P lending is where one person lends to another in return for interest, without any third party getting in the way. Unlike bank lending, where the bank lends your deposits and keeps the lion’s share of interest, P2P lending lets you keep all the profits yourself.

On our platform, you also have full control over the term with a choice of anytime withdrawals or 1, 3, and 6-month fixed terms. We differ from other P2P lending platforms in all lending is backed by collateral. In other words, we secure loans with assets that can be sold easily (cryptocurrencies).

New to P2P lending? Here’s what to know before you invest.

MyConstant is a collateral-backed peer-to-peer lending platform. Every loan is backed by collateral of up to 200% of the loan amount, which is sold if borrowers default or if its value falls to a threshold, protecting investors (borrowers keep the loan).

Unlike other platforms, MyConstant pools investor funds into a lending pool or reserve. This means you match instantly, whether you’re a borrower or an investor. We don’t do credit checks and investors can choose instant access investing or one of three fixed terms for our best rates.

As well as providing you with a platform on which to do business, we also believe in giving you the educational resources to reach your financial goals, fast. To learn more, check out our blog.

Discover 11 reasons to invest with MyConstant.

Anyone can participate, as long as you have an internet connection (to use our website) and access to a bank account (to receive a loan or repayment). If you intend to invest fiat (USD), you will also need to pass KYC (Know Your Customer) checks.

How to verify your ID (KYC).

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