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Invest in global peer-to-peer (P2P) lending with USD or crypto.

P2P lending allows you to invest in people and businesses around the world for up to 9% 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 app view
MyConstant crypto

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


Reviews 951    Excellent

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

View us on TrustPilot

the transaction was so smooth

the transaction was so smooth, they are really helpful,i can get my deposit right away in my account , thank you myconstant team.

thelahMay 25, 2021

Earn a high APY!

So far, I like the app. I made an initial deposit of $1,000 since my bank charges a $25 wire transfer fee and I was able to get a $15 credit plus the introductory interest which totaled about $7. So I’m down $3...

Chris PerkinsMay 21, 2021

Very good so far

Very good so far

florinMay 16, 2021

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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.
Why invest in MyConstant - Reliable returns
Crypto collateral helps protect your investments from borrower defaults.
Why invest in MyConstant - Free withdrawals
Withdraw any amount in USD for free, straight to your bank account.
Why invest in MyConstant - Flexible terms
Enjoy instant access to your funds or the choice of three fixed terms.
Why invest in MyConstant - 24/7 customer support
No call centres, no automated messages, just real people ready to help you.
Why invest in MyConstant - No credit checks
As long as you have the collateral to back your loan, you’re always approved.

Our products and benefits

Below is a handy comparison chart
of our products and 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
6-9% APR
4% APY
From 6% APR
Interest paid
Every second
At the end of the term
Every second
How does MyConstant P2P lending platform works

How MyConstant 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.
Investors deposit any amount and choose to either Lend USD or Lend Crypto.
Borrowers must put up to 200% of the loan amount in cryptocurrency or a portfolio of cryptocurrencies to obtain the loan.

"Where these interests overlap, new DeFi products emerge, such as cryptobacked lending. You invest (U.S. dollars) or a stablecoin in a borrower who stakes cryptocurrency as collateral and in return receive interest," Roper says.

John Divine
Senior Investing Reporter
US News & World Report writes about MyConstant
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Tech Worm writes about MyConstant
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End The Chain writes about MyConstant

Our Press

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

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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 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).