Overview
FluidTokens is an app for earning interest on the crypto you hold and borrowing against it when you need cash. You can also use it to rent out tokens or NFTs you own, or earn bonus rewards on top of your usual ADA staking. The whole thing is built so your funds stay in your own wallet. Nobody else holds the money. If you're a casual holder looking for passive income, or a more active user who wants short-term cash without selling, you can find a spot here.
FluidTokens launched on Cardano in 2022 and now also runs on Bitcoin. It's built by FT Labs GmbH together with FluidDAO, the community group that votes on decisions, set up in Switzerland. Under one roof, you'll find lending pools for tokens, peer-to-peer loans backed by NFTs, asset rentals, boosted staking, and a fee-payment tool called Aquarium1.
Key Features
- Pick the loan that fits. Multi-pool lending gives you instant loans against tokens. Peer-to-peer lending matches you directly with another person for bigger or longer loans, often backed by NFTs1.
- Set the rules on your own pool. If you'd rather lend, you can create a pool and pick the interest rate, what people can use as a deposit, and who's allowed to borrow. Groups can also use shared wallets that need more than one signature to move funds, useful for treasuries1.
- Turn idle tokens and NFTs into income. You can rent out tokens you're not using, in-game items, or NFT memberships to other people for a fee. Sitting collectibles can start earning instead of just sitting1.
- Boosted staking on top of normal rewards. You can lend out your ADA's staking power to other users, get extra yield, more voting weight in governance, or access to new token launches that reward stakers, all without unstaking. The contracts behind this were checked by an outside security firm called Anastasia Labs2.
- Bitcoin lending without leaving Bitcoin. FluidTokens also runs lending directly on Bitcoin, with support for newer Bitcoin asset types (Ordinals, BRC-20, Runes). Your funds never get wrapped, bridged, or handed to a middleman1.
What to Expect
You open fluidtokens.com and connect a wallet. Cardano wallets like Eternl, Lace, Yoroi, or Nami work for the Cardano side, and Xverse or Unisat work for the Bitcoin side. Once you're in, the dashboard shows your loans, your earnings, and anything you're currently lending or borrowing.
Lending takes a few minutes. You pick a pool, drop in your tokens, and you start earning. Borrowing means choosing what to put up as a deposit from your wallet, picking how much you want to borrow, and accepting the terms you see on screen. If you're doing a peer-to-peer NFT loan, there's an extra step: you list your NFT and wait for someone to fund the offer, the way you'd list an item on a marketplace and wait for a buyer.
The whole system runs on smart contracts that anyone can read, so your funds never get handed to a company. Outside security firms Vacuumlabs and Anastasia Labs have reviewed the lending, rentals, boosted staking, and Aquarium contracts, and the audit reports are published in full23. Tracking sites like DefiLlama publish FluidTokens' numbers next to other Cardano lending apps, so you can compare before putting money in4.
