Help & FAQs / Flow Lending

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Who is Eligible to Participate?

All users from CoinList's supported jurisdictions, except users from the United States.

Users from certain unsupported jurisdictions can still participate but it requires a manual process to execute the loan. For that reason, we require external FLOW lenders to lend a minimum of $50k worth of FLOW. 

If you're in an unsupported jurisdiction and would like to participate, please email 

Other Flow Lending Questions

How is my FLOW being lent out?

Your FLOW is being lent out to trusted FLOW network participants that have successfully onboarded with CoinList. This includes, but is not limited to, FLOW liquidity providers. 

All counterparties must pass KYC/AML and all loans issued are collateralized. 

When will I receive my funds back?

Here is the timeline for the second FLOW Lending Program through CoinList:

October 20th: Lending period opens 

October 28th: Lending period deadline.

October 28th: Loan start date 

November 25th: Principal + interest distributed back into CoinList wallets unless terminated at an earlier date

Lending will be available on a first-come, first-serve basis. Earlier loans will be prioritized over later loans. CoinList may close the loan period early based on lender demand. Once your loan has started, you will not be able to access that FLOW until loan maturity. 

Where will my FLOW be held when they’re not being lent out?

Your FLOW will be held at Finoa Custody, one of CoinList’s verified custodians.

What assets can I use to participate?

To participate, you must lend FLOW to CoinList to participate. If you do not have FLOW and would like to participate, you can purchase FLOW on CoinList or CoinList Pro.

Can I participate with unvested FLOW?

You are only able to participate with vested FLOW in the lending program. If you have additional FLOW that is set to vest before the deadline, you may submit more loans as more FLOW becomes vested. Please visit our Help Center if you have additional questions. 

How much will I earn by participating?

In the second FLOW Lending Program, participants have one option to lend their FLOW: 

Option 1: 28 day loan with no early termination

  • Participants will earn a fixed 12% APY on the principal FLOW lent to CoinList for 28 days, resulting in a fixed net .92% return.

How do I participate in FLOW Lending on CoinList?

Participants have one option to lend their FLOW in FLOW Lending 2:

If you’d like to learn more about FLOW Lending on CoinList, please visit the landing page here:

What is FLOW Lending on CoinList?

FLOW lending on CoinList is a way for you to put your FLOW to work by simply lending your FLOW to CoinList. The FLOW ecosystem is very young and many network participants are in need of FLOW. 

We are currently running the first FLOW Lending Program through CoinList. Participants have one option to lend their FLOW: 

1. A 28-day loan with no early termination. Participants will earn a fixed 12% APY for 28 days – a net .92% return.

The second lending period opened up on October 20th and is now closed.

Participants who lend their FLOW for will receive their principal + accumulated interest denominated in FLOW back into their CoinList wallets at the end of the loan term. 

The loan start date for all loans in the first lending program will be October 28th. Once all loans are deployed, you'll be able to track your loan with the loan dashboard in your CoinList FLOW wallet. 

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