{"version":1,"id":"coindepo","title":"CoinDepo","summary":"CoinDepo is a fintech company that provides cryptocurrency and stablecoin deposit, lending, and borrowing products through a digital-asset platform.","content":"**CoinDepo** is a [digital asset](https://iq.wiki/wiki/digital-assets) financial services platform offering [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) and [stablecoin](https://iq.wiki/wiki/stablecoin) deposit products, lending services, and borrowing options. Its ecosystem includes the COINDEPO [utility](https://iq.wiki/wiki/utility-token) and [governance token](https://iq.wiki/wiki/governance-tokens), which provides holders with platform-related benefits and participation in selected governance decisions. [\\[2\\]](#cite-id-ya9uuk8et7) \n\n## Overview\n\nCoinDepo is a [digital asset](https://iq.wiki/wiki/digital-assets) financial services platform that offers [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) and [stablecoin](https://iq.wiki/wiki/stablecoin) lending, including loans that do not require borrowers to deposit [collateral](https://iq.wiki/wiki/collateral) into a dedicated [collateral](https://iq.wiki/wiki/collateral) account, and [crypto](https://iq.wiki/wiki/cryptocurrency) deposit products that pay compound interest. The platform works with microfinance providers in emerging markets to support its lending operations and offers yield-generating programs for [liquidity providers](https://iq.wiki/wiki/liquidity-providers). Its borrower approval process includes [know-your-customer (KYC)](https://iq.wiki/wiki/know-your-customer-kyc) and [anti-money laundering (AML)](https://iq.wiki/wiki/anti-money-laundering-aml) checks, with an independent review process involving auditors and guarantors. CoinDepo also uses a loan overcollateralization mechanism in which guarantors provide additional liquidity support for loans, aiming to reduce credit and counterparty risks for [liquidity providers](https://iq.wiki/wiki/liquidity-providers). The platform has also described plans to combine [centralized finance (CeFi)](https://iq.wiki/wiki/cefi-centralized-finance) and [decentralized finance (DeFi)](https://iq.wiki/wiki/defi) lending services in a unified credit protocol. [\\[2\\]](#cite-id-ya9uuk8et7) \n\n![](https://ipfs.everipedia.org/ipfs/QmaTS1Ed9admgdvP6jcDKxSwFtdpNqyjNNRtdUJm7DRTV2)\n\n## Features\n\n### Earn\n\nCoinDepo Earn is a [digital asset](https://iq.wiki/wiki/digital-assets) yield product that allows users to deposit [cryptocurrencies](https://iq.wiki/wiki/cryptocurrency), [stablecoins](https://iq.wiki/wiki/stablecoin), and gold-backed assets into interest-bearing accounts with terms ranging from daily to annual. The platform offers compound interest on assets including [Bitcoin (BTC)](https://iq.wiki/wiki/bitcoin-btc), [Ethereum (ETH)](https://iq.wiki/wiki/ethereum), [USDT](https://iq.wiki/wiki/tether), [USDC](https://iq.wiki/wiki/usdc), [XRP](https://iq.wiki/wiki/xrp), and [SOL](https://iq.wiki/wiki/solana-sol), with rates varying by asset and account term. Users can withdraw their assets without a fixed lock-up period and borrow against their Earn portfolios while their deposits continue generating interest. CoinDepo's asset protection measures include [Fireblocks](https://iq.wiki/wiki/fireblocks) custody infrastructure, custodial insurance, independent security audits, two-factor authentication, withdrawal safeguards, and liquidity reserves. The product also connects with CoinDepo’s broader ecosystem, offering additional benefits to token holders, including potentially higher earning rates and lower borrowing rates. [\\[4\\]](#cite-id-u5xl39dkzs) \n\n### Instant Credit Line\n\nCoinDepo Instant Credit Line is a [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) lending product that allows users to borrow [cryptocurrencies](https://iq.wiki/wiki/cryptocurrency) and [stablecoins](https://iq.wiki/wiki/stablecoin) without transferring their assets into a separate collateral account. Borrowers can access a revolving credit line with a maximum loan-to-value (LTV) ratio of 50%, withdraw or spend borrowed funds, and repay loans partially or in full at any time. Assets held in CoinDepo compound interest accounts continue to accrue interest while serving as [collateral](https://iq.wiki/wiki/collateral) for the credit line, with the effective borrowing cost calculated by comparing loan interest against the interest earned on the portfolio. The service supports multiple [cryptocurrencies](https://iq.wiki/wiki/cryptocurrency) and [stablecoins](https://iq.wiki/wiki/stablecoin) and includes real-time LTV monitoring, notifications at specified margin-call thresholds, and partial liquidation if the LTV reaches the stated 80% limit. The product does not require credit checks or origination fees, and that interest on the credit line is payable monthly. [\\[3\\]](#cite-id-w5s2b3ja63) \n\n## Token\n\nCOINDEPO is the [utility](https://iq.wiki/wiki/utility-token) and [governance token](https://iq.wiki/wiki/governance-tokens) of the CoinDepo ecosystem, providing holders with access to platform benefits and participation in selected governance decisions. Token holders may receive increased [annual percentage rates (APR)](https://iq.wiki/wiki/annual-percentage-rate-apr) on asset deposits, reduced borrowing rates, and enhanced returns on COINDEPO deposits, with benefits depending on the platform’s terms. The token also supports community initiatives and charity programs, with 3% of tokens reserved for charity. [\\[5\\]](#cite-id-62hmlbf8lo) \n\n### Tokenomics\n\nCOINDEPO has a total supply of 1B tokens and has the following allocation: [\\[5\\]](#cite-id-62hmlbf8lo) \n\n* **Community**: 40%\n* **Private/Pre-sale**: 20%\n* **Market Release**: 20%\n* **Team**: 12%\n* **Marketing & Promotions**: 5%\n* **Charity Reserve**: 3%\n\n## Partnerships\n\n* [Fireblocks](https://iq.wiki/wiki/fireblocks)\n* [Binance](https://iq.wiki/wiki/binance)\n* [MEXC](https://iq.wiki/wiki/mexc)\n* [BingX](https://iq.wiki/wiki/bingx)\n* [WEEX](https://iq.wiki/wiki/weex)\n* [Certik](https://iq.wiki/wiki/certik)\n* [Hacken](https://iq.wiki/wiki/hacken)\n* Ledger\n* [CoinMarketCap](https://iq.wiki/wiki/coinmarketcap)\n* Pionex\n* [BitMart](https://iq.wiki/wiki/bitmart)\n* [MetaMask](https://iq.wiki/wiki/metamask)\n* [Uniswap](https://iq.wiki/wiki/uniswap)\n* [SushiSwap](https://iq.wiki/wiki/sushiswap)\n* [PancakeSwap](https://iq.wiki/wiki/pancakeswap)\n* [Arbitrum](https://iq.wiki/wiki/arbitrum)\n* [Optimism](https://iq.wiki/wiki/optimism)\n* [Base](https://iq.wiki/wiki/base)\n* [Simplex](https://iq.wiki/wiki/simplex-chat)\n* [MoonPay](https://iq.wiki/wiki/moonpay)\n* Transak\n* Banxa\n* SuisseBase\n* [Ramp](https://iq.wiki/wiki/ramp-network)\n* [Ethereum](https://iq.wiki/wiki/ethereum)\n* [Tron](https://iq.wiki/wiki/tron)\n* [BNB Chain](https://iq.wiki/wiki/binance-smart-chain)\n* [Solana](https://iq.wiki/wiki/solana)\n","categories":[{"id":"projects-and-protocols","title":"projects-and-protocols"}],"tags":[{"id":"DeFi"},{"id":"Infrastructure"},{"id":"Payments"}],"images":[{"id":"Qmf9SpgN9XiGQT3Xc3KHpDerBaz8j9Y6QhwE2LwDdqXXF2","type":"image/jpeg, image/png"}],"media":[{"id":"QmaTS1Ed9admgdvP6jcDKxSwFtdpNqyjNNRtdUJm7DRTV2","name":"KO2VKul67Q4Sbajf.png","source":"IPFS_IMG","thumbnail":"QmaTS1Ed9admgdvP6jcDKxSwFtdpNqyjNNRtdUJm7DRTV2","caption":""}],"metadata":[{"id":"rootdata_profile","value":"https://www.rootdata.com/Projects/detail/CoinDepo?k=MTQ4MzY="},{"id":"website","value":"https://coindepo.com/"},{"id":"twitter_profile","value":"https://x.com/DepoCoin"},{"id":"medium_profile","value":"https://medium.com/@coindepo"},{"id":"discord_profile","value":"https://discord.gg/4zBm8YDJ"},{"id":"telegram_profile","value":"https://t.me/coin_depo"},{"id":"youtube_profile","value":"https://www.youtube.com/@CoinDepo_SmartProfit"},{"id":"references","value":"[{\"id\":\"6p80v9fplt\",\"url\":\"https://coinmarketcap.com/currencies/coindepo/\",\"description\":\"CoinDepo profile\",\"timestamp\":1792420883418},{\"id\":\"ya9uuk8et7\",\"url\":\"https://coindepo.com/company/about-us\",\"description\":\"Company overview\",\"timestamp\":1792420883418},{\"id\":\"w5s2b3ja63\",\"url\":\"https://coindepo.com/products/borrow-new\",\"description\":\"Instant Credit Line\",\"timestamp\":1792420883418},{\"id\":\"u5xl39dkzs\",\"url\":\"https://coindepo.com/products/earn\",\"description\":\"CoinDepo Earn\",\"timestamp\":1792420883419},{\"id\":\"62hmlbf8lo\",\"url\":\"https://coindepo.com/token\",\"description\":\"COINDEPO token information\",\"timestamp\":1792420883419}]"},{"id":"main-image-origin","value":"{\"imageId\":\"Qmf9SpgN9XiGQT3Xc3KHpDerBaz8j9Y6QhwE2LwDdqXXF2\",\"originalId\":\"QmfMkRfSV4sdpDTiVJC27ZoLGgAjpoaU79xQbUkpfxX9Gq\"}"},{"id":"previous_cid","value":"Qma3zEUA7oNTDfr74zyRrK6h3MEb7AhHHB1RD5UntbCMPj"},{"id":"commit-message","value":"Make minor edits to the CoinDepo wiki"},{"id":"previous_cid","value":"Qma3zEUA7oNTDfr74zyRrK6h3MEb7AhHHB1RD5UntbCMPj"}],"events":[{"type":"CREATED","title":"CoinDepo founded","date":"2021-01-01","description":"CoinDepo was founded as a centralized crypto platform.","link":"https://coindepo.com/company/about-us","multiDateStart":null,"multiDateEnd":null,"id":"f0fafafe-ffbe-42e0-ace7-0e6212c43a00"}],"linkedWikis":{"founders":[],"blockchains":[],"speakers":[]},"user":{"id":"0x8af7a19a26d8fbc48defb35aefb15ec8c407f889"},"author":{"id":"0xacb6c5AD52b8f605299B0d774CE97F26e3DB80c2"},"language":"en","operator":{"id":"0xacb6c5AD52b8f605299B0d774CE97F26e3DB80c2"}}