Today I want to introduce you to an interesting new investment program called Bitconnect Lending. This is part of the BitConnect community platform, and I’ll explain the difference in a bit.

If you want to invest in cryptocurrencies, but also want to avoid the high volatility that comes with it, Bitconnect might be the right thing for you! Why?

  1. Bitconnect Lending offers a steady daily payout of around 1%, meaning you can make use of the compound interest effect by reinvesting your payouts daily!
  2. Bitconnect Lending also comes with a multi leveled referral system, in case you want to spread the word and profit even more.

So keep reading, if this is appealing to you! Or just dive directly into it using my referral link:

What is a Cryptocurrency? It is a digital currency created by using cryptography (hence the very descriptive name) and mainly used for exchange. If you want to know more about cryptocurrencies, please check my blog post.

Business Model

Before I tell you in more detail about the business model, let me clarify a few things regarding the wording first:

  • Bitconnect is the name of the community platform, which has the goal to connect people with investment opportunities and cryptocurrencies.
  • Bitconnect Coin is the cryptocurrency itself, which can be exchanged on their official website or other cryptocurrency exchange platforms.
  • Bitconnect Lending is the term for the lending functionality of the platform, which allows to set aside a specific amount of bitconnect coins and receive a daily profit.

I will focus here on the lending functionality and introduce you to the basic concept behind it. Basically, Bitconnect developed a trading bot that you lend money to. It then uses your invested money to trade. The bot’s trading efficiency is dependent on the volatility of the market – meaning the more the exchange rate of Bitcoin is going up and down, the more profitable it will be. You, the investor, receive a daily profit based on the trading bots results. While writing this it is at 1.07% average (30 days).

So if you are interested in investing in cryptocurrency without actually participating in trading them, this might be for you. Use the following affiliate link:

bitconnect lending banner

For more information about Bitconnect in general, feel free to watch their promotion video:

How to invest?

Basically you have 2 different investment options on the Bitconnect website.

  1. You exchange Bitcoins to Bitconnect Coins and wait for the value of Bitconnect Coins to rise. Then, sell them for a profit.
  2. You use the mentioned lending functionality with the exchanged Bitconnect Coins.

As mentioned earlier I will focus here on the second investment option.

Learn how to actually invest in BitConnect in my step-by-step tutorial here.

So after you exchanged some Bitcoins to Bitconnect Coins you have the following options:

Screenshot – Bitconnect Lending

As you can see on the screenshot it basically offers you 4 different investment options. The 2nd to 4th level offer daily bonus interest. In short: The more you are willing to invest, the shorter the capital is bound and the more bonus interest you will receive per day.


You invest 2,000$ and therefore profit from the benefits of the 2nd level, according to the screenshot above.
This results in 0.10% bonus interest and your investment is locked for 239 days.

Here you can check the average interest rate. While writing this post, the average was at 1.07% (last 30 days).

If we calculate with the 1% average value interest rate plus the 0.10% bonus interest, this results in altogether 1.1% interest rate per day.
This is the equivalent of 22$ profit per day based on the 2,000$ investment.

After the pre-defined 239 days you will receive the 2,000$ back. Just to make this clear, the 2,000$ are locked for the whole duration!
In the end you would have earned 5,258$! (22$ per day multiplied with 239 days). This is a return of investment of 263%! 

Example 2:

Let’s stick to the previous example, but instead of paying your money out, you use the reinvest function. So each day you add the interest on top of your original investment.

So let’s see how that could look like in my Google spreadsheet here.

  • Day 1: 2,000$ -> 22$
  • Day 2: 2,022$ -> 22.22$
  • Day 239: 26,660.00 $

As you can see, 26,660.00$ would be possible by exploiting the compound interest effect! That is massive! But be aware that this amount as well as all previous reinvestments are locked for the duration mentioned above. But if you exploit this effect properly, you can earn some very serious money!

Find a handy explanation + calculator for compound interest here. (In their example they use annual rate, but we have a daily rate. So adjust years to the amount of days, e.g. 239, to get an accurate result.)

If you want to learn how to reinvest and exploit the compound interest effect, check my weekly update with step-by-step guide here.

Deposits & Payouts

The only way to invest is by depositing Bitcoins which need to be exchanged to Bitconnect Coins. If you want to learn how to do that, please check my step-by-step tutorial I wrote.


The minimum amount to invest is 100$.

Payouts are available in your lending wallet. From there you can decide if you want to send them to your wallet or re-invest it to benefit from the compound interest effect.

Affiliate system

This one is the biggest and most deeply leveled referral system I have seen in a while. You can really see that the founders and developers of Bitconnect are interested in having many people in the system to increase the demand.

Look at this:

Bitconnect lending referral system bonus

A 10 level system is huge! Let me roughly try to sketch a picture here for you guys:

  • Level 1: Your referral invests 1,000$ -> You receive 70$ bonus.
  • Level 2: That person refers and from that referral the investment is 2,000$ -> You receive 60$ bonus
  • Level 3: A referral one level deeper: 5,000$ -> You receive: 50$
  • Level 4: Referral investment of 2,000$ -> You receive 20$
  • … until level 10!

I think you get the picture that this is a huge possibility for everyone involved.

My initial investment

Started: 2017 – 06  – 10

Investment: 490$

This will be updated regularly in my weekly blog posts – follow me and make sure to check regularly!

Invest with Max!

If you are now interested to invest in this program, please do not forget the most important rule of ’em all:


In case you want to invest, feel free to use the following affiliate link to Invest with Max! 

bitconnect lending banner

I am also planning a Facebook group, with the following goals:

  • Mentoring and guidance
  • More insights into online investments
  • Discussion about online investments
  • Creating strategies together and discuss them thoroughly
  • Interacting with each other: Asking questions + receiving answers asap.
  • More profitable investments!

On top of that, I will provide you with a Google sheet that allows you to edit the preferred investment amount and interest rate in order to calculate your investment returns by yourself.

So if you are interested in that, just use my referral link for now and I will invite you as soon as the group is live!

Referral link:


In case you are not interested in BitConnect, feel free to take a look at my Portfolio for other investment ideas.



  1. Wow! Seems pretty awesome. Would it be too much to ask you to figure out the return on the minimum level 4 investment of $10,010 with reinvestment at the end of 120 days? Thanks —

    Liked by 1 person

    1. Here is a Google sheet for 10,010 $ and 120 days – I used 0.8 as a more conservative value and simplification.
      Why? Because your initial 10,010 $ will have 0.25 % bonus payout, but all your reinvestments (which mostly are below 1,010 $) will have only the regular interest rate. On top of that, there are unfortunately 0 % days, which will result in obviously no payout to reinvest and slowing down your progress.

      Here you go:


      I want to advise you to not invest all your money in one program. That is very risky. Furthermore, while your initial investment will be released after 120 days, your reinvestments are still locked. 299 days for each reinvestment below 1,010 $.
      So in the google sheet, roughly 15k will be locked away after the 120 days, which would still result in about 150 $ payout every day. In case the program stays with 1% daily payout on average.

      Also, I am planning to create a “Invest with Max!” FB group, where you will be provided with a handy Excel sheet to calculate different scenarios on your own as well as giving people a platform with the following goals:

      – Giving it’s members more insights into online investments
      – Allowing to discuss about online investments
      – Creating strategies together and discuss them thoroughly
      – Interacting with each other: Asking questions + receiving answers
      – More profitable investments!

      You would just need to use my referral link:
      I plan to start with it in about 2 weeks.

      Either way, good luck with your investment and let me know if you have any other questions.



      1. Thanks for the advice and explanations. Seems a bit safer to take out the income rather than reinvesting and seeing much of one’s profit peter out in worthless coins over a period of years. You write this can’t last forever, an unsustainable model. What really is going on here — where is all this value coming from? Is it the derivative froth of a bull market, a train to be gotten off of quickly? Or is it saved by being crypto? Why do they talk about the importance of trust in the community. It’s very attractive but I’d like better to understand it (an inexperienced investor).


      2. Let me try to answer it:
        They claim the value is generated from a trading bot. The more volatile the market, the higher the daily interest rate. But I would be cautious, if someone claims to have such a tool. Maybe they have, maybe they have not. Even if not, you can definitely make nice profits with trading cryptocurrencies – I do. Otherwise, value is definitely generated by more people joining the system and putting money in it.

        Anyway, whenever you consider online investments and something looks very attractive, rather be cautious.

        That being said, for now it works. I will keep you all regularly updated on my BitConnect investment.
        So follow me to stay up to date for this and other investments ideas.



      3. bro you’re awesome — im registered with bitconnect already under a friend but you’ve got some great advice and info up ! ty — any chance you’d be interested in mentoring a team of people ?


        Liked by 1 person

      4. You are very welcome.
        The goal of the Facebook group would be exactly that. Mentoring and educating people, supporting each other and making profits together. Just follow me here and on my social media channels, I will keep you updated as soon as the group is ready.



    1. Hey Mike,

      thank you for asking.
      The initial investment as well as the reinvestments are locked for 120 to 299 days, depending on how high the amount is.

      If you feel uncomfortable with locking your money away for a longer period of time, it is also a valid strategy to just transfer the daily payouts directly to Bitcoins.

      Another strategy could be to make it 50:50 – reinvest 50% of the daily profits and transfer the rest into Bitcoins.

      Depends on you and your risk appetite.



  2. Thanks for a great blog Max! I wonder if you can help me with a query I have. Is there a way to add a sponsor/referal to an account that has been set up without one? If so, how is it done? Many thanks in advance!

    Liked by 1 person

    1. Hey,

      thank you for the kind words and I am glad you like the blog. Make sure to follow me to stay up to date!
      Regarding your question: I do not believe that is possible. It would not be beneficial for them to allow that afterwards. But maybe you can ask their support?
      Let me know, if you find something out!



  3. So I understand bitconnect coins so if I want to invest 1million usd so maxmam is 100000usd right? It’s one time? Can I invest 1million usd ten times?


    1. Hey,

      thank you for your question and interest!
      You are right, 100,000 $ is the maximum you are able to invest in one go, however you are able to make another investment 24 hours later.

      So, yes, according to their website you can do 10 times 100,000 $ – you just need to wait a full day, each time!

      Hope that helps.



    1. Hey,

      thank you for your question.
      You can calculate profits on the BitConnect site here:

      With 10,010 $ you will make roughly 14,000 $ in 120 days. You can obviously increase that amount by exploiting the compound interest effect.
      But your initial investment of 10,010 $ will be locked for 120 days, so you will only be able to withdraw it after the 120 period is over.



      1. when i reinvest daily, are those treated as new lends? you confused me with a couple of your replies. i assumed it works as follows… lend $1500, reinvest daily, then after 239 days get back $1500 plus the $9000-$11000 of compound interest earned.


      2. It is always a separate investment.
        With each reinvestment the system will also tell you the amount of days it will be locked.

        It is at follows:

        10 $ to 1000 $ -> 299 days
        1010 $ to 5000 $ -> 239 days

        And so on.


  4. Thanks for the wonderful blog, just to reiterate if i invest $11000 for reinvesting then i can withdraw my initial investment and total profit at the end of 120 days from the day of my initial investment, is that correct?

    Also you have mentioned about risk of investing more, what is the risk involved with reinvesting option other than i have to wait for 120 days, is there a risk of loosing all money because of any issue of market collapse, can you please explain?


    Liked by 1 person

    1. Hey Syed,

      thank you for your comment.
      Let me explain:
      If you invest 11,000 $ today, this investment will be locked for 120 days, before it gets released. For those 120 days you will receive – on average – 1% interest rate + 0.25 % bonus. So around 130 $ each day. Sometimes more, sometimes less.

      Every day you can decide if you want to reinvest those around 130$ or withdraw it. It would be safer to withdraw it, obviously. It would be riskier but more profitable to reinvest that amount, however.

      I explained the whole compound interest effect here in more detail:

      Be aware: Each reinvestment is also locked, so in that case, the 130 $ would be locked for 299 days.

      Regarding risk: There are a lot of scenarios where you can lose money, e.g. the whole cryptocurrency market collapses, BitConnect goes bankrupt and stops paying out, the interest rate goes further down etc.
      So never invest money you can not afford to lose!



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