BitLending

BitLending is a Japanese crypto lending service run by J-CAM. A user deposits bitcoin, ether, XRP, SOL or a major stablecoin, earns interest monthly, and submits a request to withdraw, with the assets usually returned within a week. Clients are Japanese individuals and companies that want idle positions to produce a return.

The model is custodial lending: pooled assets are lent to trading and market-making firms, interest is set per asset, and term and repayment schedule are written into contracts. Custody runs through Fireblocks multi-party computation wallets, and withdrawals pass key-shard checks and an approval flow. In October 2025 the platform added a corporate account programme, letting a company open an account in its own name with separate reconciliation. Interest accrues daily and posts monthly, early withdrawal settles on actual days held, and periodic reports describe counterparties and collateral.