Case summary
What happened
GMO Coin Lending Basic remains active in 2026, with first-party recruitment notices confirming continued intake for selected assets and terms subject to capacity. First-party records show the predecessor '貸暗号資産' service was already operating in June 2020 and underwent course/rate changes effective July 2020, but the reviewed evidence does not establish the exact original launch day. Current product disclosures characterize the transaction as a crypto-asset consumption loan, state that it is not a crypto-asset exchange transaction, state that borrowed assets are not subject to exchange-business segregated-management requirements, and warn that lent assets may not be returned if GMO Coin fails. Published lending rates, course availability and risk/operational statements are issuer terms and claims, not independent evidence of realized returns, guarantees, reserves or solvency.
Customer result
Customer outcome
Not applicable
Contractual maturity/return terms and continued operation do not prove universal realized repayment or solvency. Current first-party disclosures expressly warn that lent assets may not be returned if GMO Coin fails.
- Estimated recovery
- Not applicable
- Repayment started
- —
- Repayment completed
- —
- Confidence
- High
Asset treatment
Terms risk
Platform-owned
Current rates, courses, recruitment capacity and early-termination terms can change. Exchange-business registration and segregated-management rules applicable to exchange transactions must not be presented as principal protection for this separate lending contract.
- Affected product
- GMOコイン 貸暗号資産ベーシック
- Confidence
- High
Current first-party materials characterize GMO Coin Lending Basic as a crypto-asset consumption-loan arrangement and expressly state that the lending transaction is not a crypto-asset exchange transaction and that borrowed assets are not subject to the exchange-business segregated-management requirements. GMO Coin also states that the product is not a deposit or deposit-insurance product and warns that lent assets may not be returned if the company fails. CYA therefore treats the economic structure as platform-owned / borrower-counterparty exposure during the lending term. This does not independently determine legal title or insolvency priority beyond the operator's published terms.
Known unknowns
Uncertainty
First-party materials establish the lending service by June 2020 and current operation in 2026, but do not establish a sufficiently reliable exact original launch date. Current lending rates, asset/term availability, capacity and early-termination terms can change. This record is Basic only; the separate Premium product adds derivative / yen-conversion mechanics and is not silently combined here.
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
1 sources「貸暗号資産」サービス変更のご案内およびお客さま同意のお願い
GMOコイン株式会社 · 2020-06-10
First-party notice proves the predecessor 貸暗号資産 service was already operating by June 2020 and documents course/rate changes effective for lending starting 2020-07-15. It does not establish the original service launch date.
status
1 sources貸暗号資産ベーシック BTC、ZPG、ZPGAG、ZPGPT募集のお知らせ
GMOコイン株式会社 · 2026-05-13
First-party 2026 recruitment notice confirms ongoing Basic lending intake for selected assets and courses and states that recruitment may stop or applications may be cancelled when capacity is exceeded. Advertised annualized rates are current issuer terms, not independently verified realized return.
terms risk
2 sources貸暗号資産ベーシック
GMOコイン株式会社
Current first-party product page describes Basic lending courses and the customer-to-GMO Coin lending arrangement. Current risk disclosures state that the service is not a deposit/deposit-insurance product, characterize the transaction as a crypto-asset consumption loan, warn that lent assets may not be returned if GMO Coin fails, and distinguish the lending transaction from the crypto-asset exchange business and its segregated-management requirements. Published rates and availability are issuer terms, not verified realized returns.
貸暗号資産ベーシックとは?初心者向けに知っておきたいポイントを解説
GMOコイン株式会社 · 2026-07-24
Current first-party explainer describes Basic as lending crypto to GMO Coin for lending fees, notes that asset/course recruitment is intermittent, and states that early termination can forfeit lending fees and may incur a fee. Marketing examples and rates remain issuer illustrations rather than verified customer performance.
No evidence records match the current filters.
Comparative records