What is a Cardano stake pool?

A stake pool is a Cardano network node with a public address that other users can delegate to, and receive rewards. Stake pools are run by a reliable operator: an individual or business with the knowledge and resources to run the node on a consistent basis. ADA holders can delegate to public stake pools if they wish to participate in the protocol and receive rewards, but do not wish to operate a Cardano network node themselves. LEND Pool is a public Cardano stake pool.

What is a stake delegation?

Delegation is the process by which ADA holders delegate the stake associated with their ADA to a stake pool. It allows ADA holders that do not have the skills or desire to run a node to participate in the network and be rewarded in proportion to the amount of stake delegated.

How to stake Cardano (ADA) in LEND Pool?

Delegating your stake will be done within your wallet. It will be as easy as selecting a drop-down. You don’t need to trust our pool, the rewards are distributed by the protocol, not by the pool.
Wallets allow you to find the pool. You just have to search for our ticker LEND. Confirm the delegation with your spending password, a 2 ADA fee has to be paid – Again, no ADA will leave your wallet for staking.

How do I change my delegation from my current stake pool to LEND Pool?

It is quite easy. Just go to the delegation center in your wallet, select your current pool and click “Redelegate”. Just by sure to search for LEND.

How much will I earn staking Cardano (ADA) at LEND Pool?

Annual percentage yield (APY) for staking ADA is 4-6%. This is true for all pools that have enough stake and have a reliable infrastructure to stay online 24/7, such as the LEND Pool.

How long does it take to get rewards?

Rewards for staking at any pool, no matter if big or small, takes 3 to 4 epochs (15 to 20 days).

What is the minimum amount of ADA required to stake?

10 ADAs.

What wallets can I use to delegate?

Daedalus, Yoroi and ADALite will work.

Why not just stake my ADA with a big exchange?

You can. But remember: “Not your keys, not your coins”. Most importantly, the Cardano and the whole ethos of cryptocurrency is promoting decentralization.

Do my ADA gets locked when I delegate (stake) to the LEND Pool?

No. When staking at the LEND Pool (or any other pool), you can spend, transfer, or receive ADA with no limitation. There is no lock-up period.

What does saturation mean?

Saturation is a term used to indicate that a particular stake pool has more stake delegated to it than is ideal for the network. Currently the saturation level is ₳64 million. Once a pool reaches the point of saturation, it will offer diminishing rewards. The LEND Pool is far from being saturated, so your rewards will never suffer.

Is my ADA (Cardano) secure in the LEND Pool?

Your ADAs never leave your wallet! There is no risk of losing your crypto while delegating to a stake pool.

Can I stake form a hardware wallet or a paper wallet?

It is possible to delegate from a hardware wallet, but currently not from a paper wallet.

Which is better: stake or steak?

Clearly stake. Steak is bad for the environment. Stake is more environmental friendly.


Where can I check the stats of LEND Pool?

All stats of our pool can be checked at ADApools.org.

Where is the LEND Pool physically located?

We run the LEND Pool from Santiago, Chile. We use secure and reliable cloud servers. We have a block producing node and a fast geo-dispersed cluster of fast relay nodes.

How reliable is the LEND Pool?

Our servers run enterprise-class distributed hardware and SSD storage for fast and reliable performance. This allows us to guarantee 99.9% uptime 24/7/365, automated backups and resilience in case of natural disasters.

Is LEND Pool a charity?

No. We are not a charity. But we like the idea that every Cardano we earn running the LEND Pool is first used for loans to the unbanked for at least 3 months, before we receive it.

Are you a real doctor?



What is Kiva?

Kiva is a non-profit organization that allows people to lend money to low-income entrepreneurs and students in 80 countries. Kiva gives access to credit to unbanked people, usually with small or no interest.

How does Kiva work?

A borrower applies for a loan, which undergoes through a process of underwriting and approval. Once approved, the loan is posted to Kiva.org for fundraising. Lenders crowdfound the loan in increments of $25 or more. The borrowers then repay the loan, and the lender may use the repayments to fund new loans or withdraw the money. Lenders earn no interest on the loans.

Why does LEND Pool contribute to Kiva?

Cardano and Kiva have the shared vision of banking the unbanked. The number of unbanked people is approximately 1.7 billion, most residing in developing countries. Women are more likely to be unbanked than men. Furthermore, other groups like immigrants and indigenous populations are more likely to lack access to credit and financial services.
We believe that access to credit is key for ensuring equal access to opportunities, economic development and ultimately a more just society.

Will I get less returns because LEND Pool is contributing to Kiva?

No. All the contributions to Kiva are taken exclusively from the pool operator rewards.

Is LEND Pool associated with Kiva?

No, we have no formal agreement with Kiva.

How much of your rewards is sent to Kiva and how do you calculate this?

We are committed to “stake” 100% of all our rewards at Kiva for 3 months (18 epochs). We earn 0% interest on these loans.

How do you calculate your contribution to Kiva?

All pools earn a reward for operating the pool, which is 340 ADAs per epoch and a percentage of the delegation rewards.
In the case of the LEND Pool we add all operating fees + delegation rewards each month (6 epochs) and calculate the dollar value of that amount based on the maximal ADA price of that day checked at Coinmarketcap.com. We keep that amount of money at Kiva for lending for 3 months. The more stake has the pool and the higher the price of Cardano, the higher the amount we keep at Kiva for lending.

How can I check that LEND Pool effectively is sending the rewards to Kiva?

We provide copy of our monthly balance in Kiva. You can also check the LEND Pool page in Kiva.

What happens if the borrower does not return his loan to Kiva?

LEND Pool will absorb the loss. Nevertheless, Kiva borrowers have historically a high repayment rate of approximately 95-97%.

Do Kiva lenders receive interest on Kiva loans?

Individual Kiva lenders (such as LEND Pool) do not receive interest from loans they support on Kiva.

Will you always support Kiva?

The vision of our pool is giving credit to the unbanked and those in need. If in the future a decentralized equivalent to Kiva arises (obviously run on Cardano), we will migrate our support to that decentralized organization in the same terms.

What does “Kiva” mean?

Kiva means “unity” in Swahili.


Who was Cardano, anyway?

Girolamo (Gerolamo) Cardano (1501-1576) was an Italian physician and mathematician. He was a truly Renaissance man with several interests including mathematics, medicine, biology, physics, chemistry, astrology, astronomy, philosophy, literature, and gambling. Among his contributions are the use of negative and imaginary numbers and the Cardan grille, a cryptographic method for sending hidden messages in otherwise innocent letters.

Where can I learn more about Cardano?

Discover Cardano is a great place to start. This Cardano explanation video by Charles Hoskinson is a bit more technical, but a great view.

Cardano or ADA?

Cardano refers to the blockchain. ADA is the native token of Cardano. The name of the token comes from Ada Lovelace (1815-1852), an English mathematician and writer, considered to be the first computer programmer.

Is Charles Hoskinson the real Satoshi Nakamoto?

No. But he knows who Satoshi is.

Stake with LEND POOL

You earn. We lend.


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