Term Finance Limited review

The list is short and familiar: wBTC, wETH and USDC. The repos on the protocol run against these assets, so a long-tail token is not something you can park here. If breadth matters more than a fixed end date, an exchange such as Bit2Me, with BTC, ETH and B2M, covers a longer list.

Custody is non custodial, so the position stays under your own control for the whole period rather than on a platform balance. That is the main point in favour of Term Finance, and it also means the position cannot be turned into cash while it is open. Every term is Fixed-term, non-callable until maturity, so plan around the end date.

Not early. Positions are Fixed-term, non-callable until maturity, so funds stay committed until the term ends. That suits savers who know they will not need the money, and it does not suit anyone reacting to market moves mid-term. Choose a term length you can genuinely leave alone before opening a position.

Support runs on help centre and community, so help means reading documentation or asking other users. Help centres are common in this category, offered by 83.2% of earn listings, but a direct contact line would suit anyone running an open position alone. Keep your own record of terms and dates.

The company is based in the US and was founded in 2022, so it is a relatively young operation outside Europe. Age matters in fixed-term lending, since counterparty and smart contract risk both build up over the life of a position. Read the terms before committing funds.

Only 7.1% of earn listings are self-custody, while 53.2% are custodial, so Term Finance sits in a small group on the custody side. The trade-off is flexibility: fixed terms and self-custody mean less freedom to move funds on short notice. Custody here is non custodial.

bunq Crypto Spain covers TAO, ADA and TIA across many chains, and Bit2Me covers BTC, ETH and B2M. Those suit people who want breadth rather than a repo with a set end date. VaultLeap goes the other way, with USDC, keeping the choice to a single stablecoin.

USDC and USDT are both in wBTC, wETH and USDC, so stablecoin savers can use the same fixed terms as crypto holders. The gain is a known maturity date rather than a variable balance, and the commitment is real: Fixed-term, non-callable until maturity. Anyone who may need the cash sooner should look at a product without a term first.