Case summary
What happened
BitLending currently operates as a Japanese crypto lending service of 株式会社J-CAM. Current first-party terms state that an individual lending contract is formed when a user sends an eligible crypto asset to the company-designated wallet and the required conditions are met. The company sets the lending-fee rate under the agreement, monthly lending fees are credited into the lent balance, and users generally cannot request return for the first 30 days. After a valid return request, the terms state that the company normally sends the same type and quantity of crypto within seven business days, while also permitting postponement when concentrated return requests or similar conditions make timely return difficult. Public APYs, security controls, asset-deployment descriptions and regulatory-readiness statements are recorded only as issuer claims, not independent proof of realized return, reserves, solvency, guarantees or regulatory approval.
Customer result
Customer outcome
Not applicable
Contractual return mechanics and the continued availability of the service are not evidence of universal realized repayment or solvency. CYA records no adverse platform-wide outcome from the reviewed first-party material and does not infer principal safety from issuer marketing or security statements.
- Estimated recovery
- Not applicable
- Repayment started
- —
- Repayment completed
- —
- Confidence
- High
Asset treatment
Terms risk
Platform-owned
Current terms give the company discretion to set lending-fee rates and permit changes to lending conditions for reasonable reasons. Users generally cannot request return for the first 30 days. Following a valid request, the company states that same-type/same-quantity crypto is normally returned within seven business days, but the terms permit postponement when concentrated return requests or similar circumstances make timely return difficult and permit rejection in specified compliance cases. Current marketing APYs, security controls and investment descriptions are not independent guarantees.
- Affected product
- BitLending
- Confidence
- High
First-party materials expressly characterize the arrangement as crypto lending / a consumption-loan transaction to 株式会社J-CAM. Current terms state that the individual contract forms when the user sends eligible crypto to the company-designated wallet and required conditions are satisfied, and that the company later owes the same type and quantity of crypto. CYA therefore treats the economic structure as platform-owned / borrower-counterparty exposure during the loan, rather than segregated customer custody. This classification does not by itself establish insolvency treatment or legal title beyond the reviewed contract language.
Known unknowns
Uncertainty
The exact original service launch day has not been established from the reviewed first-party material, so launch_date remains unset rather than inferred. Current lending-fee/APY figures and statements concerning cold-wallet/security controls, portfolio construction, asset deployment, risk management and future regulatory compliance are issuer claims and may change. The terms allow lending conditions and rates to change and allow return timing to be postponed in defined circumstances.
Chronology
Historical record
No events yet.
Source record
Evidence dossier
Filter by claim, reliability, source type, and whether evidence is linked to a specific event.
Entity
3 sources運営会社情報｜暗号資産レンディングのビットレンディング
BitLending / 株式会社J-CAM
First-party company profile identifies 株式会社J-CAM as the operator and lists the crypto lending platform BitLending as a company business. It supports identity/operator attribution, not an exact service launch date.
はじめての暗号資産レンディング｜ビットレンディング
BitLending
First-party introduction describes the product as a consumption-loan transaction: BitLending borrows customer crypto for a period and returns the same quantity/equivalent asset plus interest. Current headline rates and security language on this page are issuer claims and are not independently verified performance or protection guarantees.
貸出について
BitLending
Current first-party lending guide documents active BTC, ETH, XRP, SOL, USDT and USDC lending, minimum quantities, lending-fee calculation and monthly crediting. Current published rates are issuer-advertised terms and not verified realized customer returns.
terms risk
1 sources利用規約
BitLending / 株式会社J-CAM
Current first-party terms state that an individual contract forms after an eligible crypto asset is sent to the company-designated wallet and required conditions are met. They allow the company to set lending-fee rates and change lending conditions for reasonable reasons, impose a 30-day initial period before return can be requested, normally require same-type/same-quantity return within seven business days after a valid request, and permit return timing to be postponed when concentrated requests or similar conditions make timely return difficult.
No evidence records match the current filters.
Comparative records