Lend money online to earn up to 20x better interest than a Certificate of deposit (CD).

Earn up to 9% APR by investing in P2P loans to people and businesses around the world. Withdraw anytime for free or invest in a fixed-term loan for the best rates. All lending is backed by cryptocurrency collateral. No fees.

Questions? Let's get on a call.
Set up a time here.
Earn 20x more than a CD
Start investing from just $10
Instant access or fixed terms

*Comparison based on 2020 data from https://www.bankrate.com/banking/cds/cd-rates/

Why lend money online with MyConstant?

Immediate returns
Immediate returns

Start earning interest the moment you deposit.

Flexible terms
Flexible terms

Withdraw anytime or choose from three fixed terms.


All lending is backed by cryptocurrencies that are easy to sell if borrowers default.

How we protect you

No fees
No fees

No fees to invest or withdraw USD.

24/7 customer support
24/7 customer support

Call, email, or message us on social media at any time of the day or night.

How to lend money on MyConstant

Set your own terms
1. Set your own terms

Choose instant access or a fixed term of 30, 60, or 180 days.

The matching algorithm finds borrowers that meet your requirements
2. Deposit your funds

Send your funds via ACH (US) or wire (non-US).

Start earning interest
3. Start earning interest

You earn interest as soon as your funds reach us.

Withdraw or reinvest
4. Withdraw or reinvest

Withdraw anytime (instant access) or at the end of your fixed term for free.

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"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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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 hello@myconstant.com and we'll be happy to help you.

When you invest with us, you first send your funds (either fiat like USD or stablecoins) to our custodial partner Prime Trust, an accredited US financial institution.

Prime Trust then converts your funds to a relevant stablecoin which we then lend on your behalf to collateralized borrowers, liquidity pools, and decentralized exchanges in return for interest.

When you’re ready to withdraw, Prime Trust converts your invested stablecoins back to the relevant currency of your withdrawal request. There is no charge or fees for fiat (USD etc) withdrawals. You’ll keep the interest you earn up to the moment you withdraw your funds.

You can choose our instant access account or invest for a fixed term. Our instant access account has a 24-hour term that’s automatically extended every 24 hours unless you choose to disable the product or withdraw your funds.

All account statements for MyConstant investment products are stated in USD equivalent terms at all times.

First, create your free MyConstant account.

Then, decide whether you need instant access to your money or if you can afford to put it away for 30, 60, or 180 days. (Remember: the longer you invest, the more you earn!)

Once you’ve chosen an amount and term, enter it above and then click “Invest now”. This creates your investment order. The next step is to send us the funds to match your investment order.

If you’re in the US, link your bank account for easy ACH transfers with Plaid.

If you’re outside of the US, the only option is to send a wire.

Instructions for both will be on-screen when you create your deposit order and also in the investment confirmation email we send you.

Then, as soon as your funds reach us, you’ll start earning interest.

If you choose an instant access term, you can withdraw your money and profit at any time for free. Otherwise, you’ll need to wait until the end of your fixed term before you can access your funds or reinvest (if pushed, you can also end your fixed term early on our secondary market).

How to invest in 3 simple steps.

You start earning interest the moment we receive your funds.