(13 Reviews)






Invest in people and businesses around the world for up to 12.5% APY. Withdraw anytime! Plus, earn an automatic 4% fixed APY on your cash & certain Cryptos. All lending is backed by borrower collateral or buy-back guarantee.


Auto Track Available

4.5% - 12%

Asset Class Return1Y

#22 Rank

In Lending30d


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Invest in your future with a free $4000 trial and 10 USDT sign-up bonus!

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Experience multi-market peer-to-peer lending. Invest in people and businesses around the world for up to 12.5% APY. Earn across multiple markets, spreading risk and maximizing reward. No investing fees. Free USD withdrawals. 24-7 customer support.

Things to Know

  • You make money on


  • Fees


  • Min Investment


  • Payout frequency


  • Term of investment


  • Target Return

    4% - 12.5%

  • Liquidity


  • Open to

    All Investors

  • Mobile Application

    iOS, Android

Top Perks

  • Earn up to 12.5% APY (up to 20x better interest than a CD)

  • Multi-market, global investing backed by collateral

  • Flexible terms of 0 - 6 months and zero fees

How you make money

MyConstant offers three investment products: 


1) Flex – 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 7% APR. Crypto-backed is a secured P2P lending product that pays up 7% APR. Your money funds a lending pool from which up to 150% is collateralized, and borrowers get loans in return for interest. If borrowers default, their collateral is sold to repay you. You can invest for 1, 3, or 6 month terms.


3) Crypto-lend – earn up to 12.5% APY. Crypto-lend lets you earn 12.5% APY on stablecoins USDT and USDC, as well as 4% APY on Bitcoin (BTC), Ethereum (ETH), Binance Coin (BNB) and 8 other cryptocurrencies by supplying liquidity to lending pools and exchanges. Your interest is paid and compounded every second in the same cryptocurrency you use to invest, and you can withdraw anytime for free.

How MyConstant 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 late payment fees.

Is it safe?

MyConstant has achieved zero investor losses since launch in early 2019. Flex is an investment account, not a bank account, and is not insured. MyConstant 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 150% 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 insurance on your funds, so please use caution.

  • Established


  • Country Available


  • Assets Managed



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Reviews (16)

The worst KYC you can go through


Antonio Jones

Concept great; however, putting money in and getting out merely impossible unless you wire transfer only which is costly due to banking fees. Miscommunications from emails to options on website. Company practically encouraged usage of Zelle to deposit money but Zelle does not support ability of users to send money to companies; only supports sending money between individuals. Company cannot get ACH transfer to work. Overall the company is just too inexperienced and lacks full functionality to serve you customer server wise and for you to move money in and out. The promotion is nice but the kicker is the interest you earn on that $3000 or $4000 trial they deposit cannot be moved out (only can take money out that is $50 or more).



Good interest rates and the site is easy to use. I believe the site and platform will continue to improve.