CoinDepo

What CoinDepo does

CoinDepo is a digital asset financial services platform founded in 2021 that operates compound-interest earning accounts, an Instant Credit Line, and a forthcoming Crypto Credit Card for retail crypto holders across 220+ jurisdictions. Its core product is the Earn service, offering up to 23% APR on stablecoins and 18% on major cryptocurrencies, funded by a diversified set of yield sources (lending, market-making, and DeFi protocols) that delivered a 25.1% weighted average portfolio return annualized as of Q1 2026. The Instant Credit Line extends loans without a separate collateral account, advertised as having a negative effective annual rate relative to standard market loans, and the Crypto Credit Card (launching 2026) will offer up to 8% cashback. Underlying infrastructure includes Fireblocks institutional custody, SOC 2 and ISO 27001/27701 certifications, third-party insurance, and audited reserves.

The company is headquartered in Panama City with a Singapore head office established in 2024 and regional offices in London, Dubai, Poland, and El Salvador; regulatory registrations include Bermuda (DABA), El Salvador (BSP), Poland (KRS), and an EU VASP license in progress. As of Q1 2026, CoinDepo reported $228.1M in assets under management, 107,953 active users, $13.69M in gross investment income, and $1.1M in net operating income for the quarter. Its revenue model is a spread operation: CoinDepo earns 25.1% on its portfolio and pays an average 15.8% APR to depositors, capturing the ~9.3% difference on AUM plus ancillary fees. Distribution is community/referral-driven, supplemented by the COINDEPO token, which grants governance rights, yield boosts, loan discounts, and is subject to a quarterly buyback/burn funded from gross investment income.

Name

CoinDepo

Legal name

CoinDepo CORP

Website

https://coindepo.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

CoinDepo is a digital asset financial services platform offering compound-interest earning accounts, an instant credit line, and a forthcoming crypto credit card to retail crypto holders across 220+ jurisdictions.

Ownership category

akta.pro rank

Product category

Digital Asset Financial Services

NAICS

Credit Card Issuing (52221), Credit Card Issuing (522210), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Finance Services (6199), Personal Credit Institutions (6141), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Crypto Borrowing & Margin Credit Facilities (FSADAFAC)

akta.pro secondary industries

Unsecured / Under-Collateralized Crypto Credit (FSADAFAI), Crypto-Backed Consumer Loans (Secured) (FSADAFAG), Decentralized Lending Protocols (DeFi Money Markets) (FSADAFAB)

Keywords

• Crypto interest accounts
• Crypto-backed lending
• Digital asset yield
• Instant credit line
• Crypto credit card

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Technology or R&D, Infrastructure, Personnel, Marketing or Sales

Revenue model

1. Loan Interest: Interest charged on crypto loans issued through the Instant Credit Line. Interest is paid monthly on the 5th based on the previous month's loan balance.
2. Deposit and Withdrawal Fees: Fixed fees for adding and withdrawing assets from the Credit Pool.
3. Conversion Fee: Fixed conversion fee for using the Instant Swap feature to exchange between supported assets.
4. Listing Fee: Fees charged for listing tokens of new projects on CoinDepo for Pre-sales.
5. Origination Fee: Commission for processing and issuing loans.
6. Crypto Card Interest: Interest charged on credit line usage for the CoinDepo Crypto Credit Card (launching 2026).
7. Portfolio Investment Returns: Gross investment income from deploying client deposits across overcollateralized lending (29.2% return), microcredit programs (33.0%), stablecoin yield strategies (14.7%), real-world assets (18.7%), market-neutral trading (19.2%), DeFi pools (16.8%), and exchange liquidity pools (16.2%). Weighted average portfolio return: 25.1% annualized.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels10 records

Core offering

CoinDepo provides crypto and stablecoin financial services through three core products: compound interest "Earn" accounts supporting 30+ assets with daily-to-annual flexible terms, an Instant Credit Line allowing borrowing up to 50% LTV without a separate collateral account, and an upcoming CoinDepo Crypto Credit Card. Users deposit digital assets into yield-generating accounts and may optionally borrow against them; CoinDepo deploys deposits across overcollateralized lending, microcredit, stablecoin yield, real-world assets, market-neutral trading, exchange liquidity, and DeFi pools to generate returns.

Differentiator

Problem solved

Functional benefit

Products and services

• Earn (Compound Interest Accounts) Compound interest accounts for 30+ crypto and stablecoin assets with six term tiers (Daily, Weekly, Monthly, Quarterly, Semi-annual, Annual) and flexible withdrawal on daily-compounding accounts. For retail individuals, VIPs, and institutional clients seeking yield on idle digital assets.
• Borrow — Instant Credit Line Without Collateral Account Instant crypto-backed credit line allowing users to borrow up to 50% LTV while deposited assets remain in Earn accounts and continue earning compound interest, producing a negative effective annual rate. For crypto holders who want liquidity without selling assets.
• CoinDepo Crypto Credit Card Physical, virtual, and metal crypto credit cards offering up to 8% unlimited crypto cashback credited to Earn accounts, with no origination, monthly, annual, or inactivity fees and an integrated collateral-free credit line. For crypto holders wanting everyday spending power without selling assets.
• VIP & Institutional Solutions Tailored compound interest accounts, customized interest rates and terms, institutional credit lines, KYB onboarding for legal entities, and personalized 24/7 account management. For high-net-worth individuals (minimum $250,000 portfolio balance) and corporate/institutional clients (minimum $100,000 in funding).
• COINDEPO Token Native ERC-20 utility token providing tiered Earn interest boosts (up to +5% APR), loan rate discounts (up to -3%), and DAO governance voting rights based on token share in portfolio (0-4.99%, 5-9.99%, 10-14.99%, 15%+). For token holders participating in platform governance, charity pool direction, and earning bonus yield.

Quantifiable outcome

• AUM grew to $228.1M (+5% QoQ) during severe crypto market correction (Q1 2026)
• +5 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature8 records

Partnerships

15 partnerships are on record, tiered core, minor and strategic.

• FireblockscoreTechnology or IntegrationInstitutional custody infrastructure partner providing digital asset custody services. Uses MPC-CMP multi-cloud security, SGX hardware encryption, Policy Engine, and Fireblocks Network settlement layer. Fireblocks is SOC 2 Type II certified and provides full asset insurance for storage, transfer, and E&O.
• CertiKcoreTechnology or IntegrationSmart contract security audit partner. CertiK Skynet provides ongoing monitoring of platform security practices. CertiK Bug Bounty Program launched to identify vulnerabilities. Audited smart contracts and platform security.
• HackencoreTechnology or IntegrationCybersecurity audit partner providing external review of platform security practices. Completed comprehensive security audit of CoinDepo platform.
• MEXCminorChannel Partner/ Reseller/ DistributorExchange listing partner for COINDEPO token trading.
• BingXminorChannel Partner/ Reseller/ DistributorExchange listing partner for COINDEPO token trading.
• WeexminorChannel Partner/ Reseller/ DistributorExchange listing partner for COINDEPO token trading.
• BitMartminorChannel Partner/ Reseller/ DistributorExchange listing partner for COINDEPO token trading.
• Pionex GlobalminorChannel Partner/ Reseller/ DistributorExchange listing partner for COINDEPO token trading.
• Pionex USminorChannel Partner/ Reseller/ DistributorExchange listing partner for COINDEPO token trading.
• DAMARK Charity FoundationstrategicStrategic or Co-development PartnerCharity partnership supporting educational programs in South Africa for children aged 5-17. Provides life-changing opportunities and access to education. Active since 2024 with ongoing donations and visits.
• GiveDirectlystrategicStrategic or Co-development PartnerDirect aid charity partnership providing unconditional cash transfers to families in Rwanda. Enables transparent, community-driven charitable impact. Multiple donation cycles and visits documented.
• World Child CancerstrategicStrategic or Co-development PartnerCharity partnership supporting children with cancer and their families. Part of CoinDepo's community-driven charitable initiatives.
• Baptiste & Co. Law FirmminorImplementation/ SI/ Consulting PartnerLegal counsel providing regulatory and compliance advisory services.
• SuisseBaseminorImplementation/ SI/ Consulting PartnerSwiss-based advisory for regulatory and banking relationships.
• Enzaro TechstrategicStrategic or Co-development PartnerStrategic collaboration to support distributed energy infrastructure in Europe. Partnership announced to develop sustainable infrastructure projects.

Scale indicators13 records

Recent moves12 records

Expansion highlights6 records

Broad incumbents

• Coinbase: Public US-listed crypto exchange with staking rewards, Coinbase Card, and institutional custody. Comparable as a broad CeFi incumbent offering yield, lending, and card products — but with very different scale, regulatory positioning, and US-centric footprint.
• Crypto.com: Large CeFi incumbent offering Crypto Earn, Crypto Credit, and the Visa MCO/CRC card across consumer and institutional segments. Overlaps with CoinDepo on all three product lines but at much greater scale with proprietary CRO token economics.
• Binance: Largest global crypto exchange with Binance Earn (Simple Earn, Liquid Swap, Launchpool), Binance Card, and institutional services. Overlaps with CoinDepo's earn + card product strategy but at vastly greater scale and brand recognition.

Direct peers

• Aave: Leading DeFi money market protocol enabling overcollateralized crypto lending and borrowing. Comparable to CoinDepo's DeFi component and overcollateralized lending mechanism, though non-custodial and without CoinDepo's earn/spend wrapper.
• Ledn: CeFi platform focused on crypto-backed lending (BTC and USDC) with interest-bearing savings accounts. Comparable to CoinDepo in its conservative overcollateralized lending model and retail-plus-institutional positioning.
• Nexo: CeFi platform offering crypto earn accounts and crypto-backed credit lines with flexible terms, targeting both retail and institutional clients. Most directly comparable to CoinDepo's earn + borrow product suite, with similar LTV ratios and institutional VIP desks.
• Compound: Pioneer DeFi lending protocol for algorithmic, overcollateralized crypto lending markets. Directly comparable to CoinDepo's underlying CeFi+DeFi hybrid architecture and compound-interest-style yield generation.
• YouHodler: CeFi platform combining crypto yield accounts, crypto-backed loans, and a multi-currency crypto card. Closely mirrors CoinDepo's three-product strategy (earn, borrow, spend) with similar stablecoin/BTC/ETH yield tiers.

Emerging players

• MakerDAO (Sky): Decentralized protocol for crypto-collateralized debt positions (DAI/USDS issuance against ETH and other assets). Comparable to CoinDepo on the overcollateralized-lending mechanism but operates as a non-custodial DeFi CDP rather than a CeFi earn/borrow product.

Others

• Tether (Bitfinex): Issuer of the largest fiat-backed stablecoin (USDT) used across CoinDepo's deposit products. Adjacent infrastructure provider rather than a direct competitor, but central to the stablecoin yield ecosystem in which CoinDepo operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/DepoCoin

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CoinDepo