Constant

4.6

Lending

Invest in people and businesses around the world for up to 10% APR. Withdraw anytime! Plus, earn an automatic 4% fixed APY on your cash. All lending is backed by borrower collateral or buy-back guarantee.

Investment risk

Low

Min investment

$10

Target return

4% - 10%

Fees

0%

Overview

Experience multi-market peer-to-peer lending. Invest in people and businesses around the world for up to 10% 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.

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Why Invest

  • Earn up to 10% APR (up to 20x better interest than a CD)
  • Multi-market, global investing backed by collateral
  • Flexible terms of 1 - 6 months and zero fees

How you make money

Constant offers three investment products: 

 

1) Instant Access – earn 4% APY. Instant Access is an anytime-withdrawal investment account that pays 4% APY. Your money funds collateralized lending pools and supplies liquidity to trading exchanges. In return, you earn interest and a cut of trading fees and can withdraw anytime for free. 

 

2) Crypto-backed – earn up to 8% APR Crypto-backed is a secured P2P lending product that pays up 8% APR. Your money funds a lending pool from which up to 200% is collateralized, and borrowers get loans in return for interest. If borrowers default, their collateral is sold to repay you. There is no investment term so you can withdraw at anytime.

 

3) Fixed term – earn 6-7% APR with a fixed term loan. You supply funding to loan originators who have secured borrowers on your behalf. You earn up 7% APY and terms are between 1-6 months. All lending comes with the loan originator’s buy-back guarantee in case of borrower default.

How Constant makes money

They make a slim profit on the difference between the rates earned across various lending and exchange markets and the rate paid to you through Instant Access. They largely generate money from the borrowers of the platform. This includes matching fees, early repayment fees, and and late payment fees.

Is it Safe?

All lending is backed by collateral which protects your investment. Constant has achieved zero investor losses since launch in early 2019. Flex is an investment account, not a bank account, and is not insured. Constant partners with reputable exchanges and lending pools to give you access to a consistent return while spreading risk across multiple platforms. Not all lending is collateralized, so please use caution and diversify. All Crypto-backed investments are up to 200% backed by cryptocurrency collateral. If the borrower defaults or their collateral falls to 110% of your principal and earned interest, it’s sold to repay you. Collateral doesn’t guarantee the return of all your funds in all cases, however, so please use caution and diversify. Loan Originator lending might be secured or unsecured, to businesses or consumers, and you can choose which loans match your risk appetite. In addition, the loan originator will buy back the loan if it defaults for 60 days or more to return your principal and earned profit. Nevertheless, this is not an insurance on your funds, so please use caution.

Things to know

  • You make money onInterest
  • Fees0%
  • Payout frequencyDaily
  • Term of investmentZero
  • LiquidityEasy
  • Open toAll Investors

Company

  • Country availabilityWorldwide
  • Assets under managementUnknown
  • Established2018
  • Mobile ApplicationIOS, Android

Investment Return Calculator

Calculate your estimated return to reach your investment goals.

$

%

years

$

Monthly

Amount invested

$7,000

Total fees

$0

Value after fees

$7,976.22

Any references to past performance, regarding financial markets or otherwise, do not indicate or guarantee future results.

Forward-looking statements, including without limitations investment outcomes and projections, are hypothetical and educational in nature. The results of any hypothetical projections can and may differ from actual investment results had the strategies been deployed in actual securities accounts.

Reviews

4.6
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