Staking · Review
ActiveFILLiquid Review 2026: Filecoin Staking and Lending
FILLiquid is a Filecoin staking and lending protocol that issues FIT tokens for deposited FIL. Its core idea is clear, but fees, redemption terms, and audit details need closer scrutiny.
By the DappsAtlas editorial team · Updated
DappsAtlas score
5.5/10
Mixed
Our verdict on FILLiquid
5.5/10FILLiquid may suit FIL holders looking for a tokenized deposit and exposure to lending activity tied to Filecoin storage providers. Its main strength is the straightforward FIT receipt-token concept, with the project describing FIT as a record of deposited equity and a route for profit distribution and redemption. The main caveat is the lack of clear public detail on fees, lending terms, and redemption conditions. Audit claims are also difficult to assess, so users should verify the contracts and terms before depositing.
Score breakdown
How FILLiquid scores
- Security
- n/a
- Ease of use
- 4.0/10
- Fees
- n/a
- Features
- 6.0/10
Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.
What is FILLiquid?
FILLiquid is a Filecoin-focused staking and lending protocol. Its described deposit flow mints FIT, a token representing deposited FIL, at a real-time exchange rate. FILLiquid says FIT is used for profit distribution and FIL redemption.
One industry article describes the protocol as lending FIL to storage providers. FIG is also described as a governance token for the ecosystem. The project does not clearly explain lending terms, redemption timing, or how FIG governance works, so users should check the application before depositing.
How FILLiquid works
FILLiquid's core flow is to accept FIL deposits through a smart contract and mint FIT based on a real-time exchange rate. The project describes FIT as proof of the user's equity in deposited FIL, and says it is used for profit distribution and FIL redemption. FIT should not be assumed to be redeemable one-for-one or immediately: the protocol does not clearly publish those terms.
One industry article describes FILLiquid as lending deposited FIL to Filecoin storage providers to generate yield. Lending can expose deposits to borrower, liquidity, and smart-contract risks, and public sources do not set out loan terms or guaranteed returns. FIG is separately described as a governance token, but the details of its governance role are not clear.
4 features
Key features
01
FIL deposits for FIT
Depositing FIL mints FIT according to a real-time exchange rate, with FIT representing the user's deposited equity.
02
Profit distribution and redemption
The protocol describes FIT as a means of distributing profits and redeeming FIL. It does not clearly publish redemption timing or conditions.
03
FIL lending
One industry article describes FILLiquid as lending FIL to Filecoin storage providers to generate yield. Loan terms and expected returns are not clearly published.
04
FIG governance token
FIG is described as a governance token for the FILLiquid ecosystem. Its relationship to FIT and the scope of governance are not clearly detailed.
Pros and cons
What we like
- The protocol describes a clear receipt-token mechanism: FIL deposits mint FIT.
- FIT is intended to support both profit distribution and FIL redemption.
- The protocol is focused on Filecoin and its storage-provider ecosystem.
- FIG is described as a separate governance token.
Watch out for
- FILLiquid does not publish its fees, team details, or clear redemption terms.
- Audit status is unclear: no audits are listed, although one article claims the contracts were audited without naming the auditors.
- FIL deposited in a lending pool carries smart-contract and borrower risks; returns are not guaranteed.
- The FIT token's value depends on its exchange rate and the protocol's ability to process redemptions.
- The project's homepage provides little detail about how the service operates.
FILLiquid fees
FILLiquid has not published a clear fee schedule. Check the application for any deposit, withdrawal, lending, or redemption charges before committing FIL.
Is FILLiquid safe?
Depositing FIL involves smart-contract risk, and lending it to storage providers adds borrower and liquidity risk. No audits are listed for FILLiquid; one 2024 article claimed the contracts had been audited by two security firms but did not name them. Verify any audit reports independently before depositing.
FILLiquid does not clearly publish its team, redemption terms, or licensing status. The project is not a gambling service; users should still check applicable local rules before using crypto products.
5 steps
How to get started with FILLiquid
- 1
Open the FILLiquid application and review its current terms and supported networks.
- 2
Connect a wallet that holds FIL on a supported network.
- 3
Choose the deposit option and review the exchange rate and any displayed charges.
- 4
Deposit only an amount you can afford to leave exposed to smart-contract and lending risks.
- 5
Check that FIT has been credited and review the protocol's current redemption conditions before relying on access to your FIL.
Who FILLiquid is for
FILLiquid is aimed at Filecoin holders who understand the risks of depositing FIL into a smart contract and potentially lending it to storage providers. It is less suitable for people who need clearly defined redemption timing, published fees, or independently verifiable audit details before committing funds.
FILLiquid FAQs
What is FIT in FILLiquid?
FILLiquid describes FIT as proof of equity for users who deposit FIL. The protocol mints FIT based on a real-time exchange rate, and the token is used for profit distribution and FIL redemption.
How does FILLiquid work?
FILLiquid says users can deposit FIL into its smart contract and receive FIT. One industry article describes the protocol as lending FIL to Filecoin storage providers, but loan terms and returns are not published in detail.
Can I redeem FIT for FIL?
The protocol describes FIT as usable for FIL redemption, but it does not clearly publish redemption timing, conditions, or fees. Check the current terms in the application before depositing.
What fees does FILLiquid charge?
FILLiquid's fees are not published. Check the application for any deposit, withdrawal, or other charges before using the protocol.
Does FILLiquid require KYC or have a license?
FILLiquid is a crypto staking and lending service, not a gambling product. Its website does not state a KYC policy or licensing status; check local rules before using crypto services.
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How we checked
Sources
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