CeFi lending · Japan

GMO Coin Lending Basic

Active fixed-term crypto-asset lending product operated by GMOコイン株式会社. Customers lend crypto assets to GMO Coin and receive lending fees under the applicable Basic course and current product rules.

Also known as: GMOコイン 貸暗号資産ベーシック, 貸暗号資産ベーシック, GMO Coin Crypto Lending Basic

Status
Active
Outcome
Not applicable
Confidence
High
Last verified
2026-08-14
Launch
End
Failure reasonUnknown
Events0
Evidence4
Products1

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.

Source: 貸暗号資産ベーシック

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

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Showing 4 of 4 evidence records

Entity

1 sources

status

1 sources

terms risk

2 sources
Official statementHigh

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.

Official statementHigh

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.

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