EQX Staking Calculator
EQX is a utility token that unlocks better rates and rewards on the EQIFi platform. Staking EQX can earn you up to 25% APY from the platform's lending pools. This calculator helps you estimate your potential earnings based on current platform terms.
Note: Actual APY may vary based on platform activity and token supply. Current market price is approximately $0.001, reflecting the token's 99% drop from launch.
EQX
Your estimated earnings will appear here
EQIFI (EQX) is not just another crypto token-it’s a bridge between traditional banking and decentralized finance. Launched in 2021, EQIFi built a platform that lets users lend, borrow, and earn interest on crypto and fiat, while also offering real bank accounts with Visa cards and SWIFT transfers. But despite its ambitious features, the EQX token has lost over 99% of its initial value since launch. So what’s really going on? Is EQIFi still active? And is EQX worth holding today?
What EQIFi Actually Does
EQIFi isn’t just a DeFi protocol. It’s a licensed neobanking platform operating in 180 countries. Unlike most crypto projects that exist only on blockchain, EQIFi offers actual bank accounts-IBANs in USD, EUR, GBP, SGD, and more. You can send money via SEPA and SWIFT, trade crypto over-the-counter, get a physical Visa card linked to your crypto balance, and take out crypto-backed loans with terms up to 36 months. The platform has already processed over $2.5 billion in loans and payments since launch.The EQX token is the engine behind all of this. It’s not just a speculative asset-it’s a key that unlocks better rates, higher limits, and voting power on the platform. If you’re using EQIFi’s services, holding EQX directly improves your experience.
How EQX Works as a Utility Token
EQX isn’t meant to be held for price gains alone. It’s designed to be used. Here’s how:- Staking rewards: Holders can stake EQX and earn up to 25% APY by providing liquidity to the platform’s lending pools.
- Lower fees: Trading, borrowing, and withdrawing fees drop significantly for EQX holders-sometimes by 30% or more.
- Better loan terms: Your loan-to-value (LTV) ratio increases by up to 15% if you hold EQX. That means you can borrow more against your crypto collateral.
- Priority access: EQX holders get first dibs on EQIBank accounts, which are often capped due to high demand.
- Governance: To vote on new features-like adding a new token or changing interest rates-you need at least 800,000 EQX tokens. That’s a high barrier, but it ensures decisions are made by serious users.
These aren’t theoretical perks. They’re live features on the EQIFi platform. If you’re actively using their banking or DeFi tools, skipping EQX means paying more and getting less.
Token Supply and Market Data (October 2025)
EQX has a fixed total supply of 500 million tokens. As of October 2025, around 75.52 million are in circulation. That’s just 15% of the total supply, meaning there’s still a lot left to be released over time.Market prices vary across exchanges:
- CoinMarketCap: $0.000943
- CoinCodex: $0.001191
- SwapSpace: $0.001179
The market cap sits at roughly $75,000, ranking EQX #4866 by market size. That’s tiny compared to major cryptos-but it’s not unusual for niche DeFi tokens. The 24-hour trading volume is around $20,000, which is low but stable. The 16,670 token holders suggest a small but dedicated community.
The fully diluted valuation (if all 500 million tokens were in circulation) is about $495,000. That’s still under half a million dollars-a far cry from its early hype.
Price History: A Harsh Reality Check
EQX launched with an IDO price of $0.15 on August 5, 2021. Today, it trades below $0.001. That’s a 99.1% drop from its starting point.There was a brief high point in 2022 when EQX hit a 4.97x gain (+397.1%) from its IDO price. But since then, it’s been a steady decline. The 50-day moving average is $0.001253, and the 200-day is $0.001378-both above today’s price. That’s a classic bearish signal: the token is trading below its long-term trend.
Trading volume is low, and sentiment is neutral (Fear & Greed Index: 48). Only 14 out of the last 30 trading days were green-barely above random chance. The token’s volatility is low at 6.56%, which might sound good, but it’s because there’s little buying pressure. No big moves mean no momentum.
Are Price Predictions Realistic?
Some sites predict EQX could reach $0.0029 by 2025 or 2030. Others say it might dip as low as $0.00009 in 2026. These are guesses, not forecasts.Here’s the problem: price predictions for small-cap tokens like EQX are almost always based on hype, not fundamentals. EQIFi’s real value isn’t in its token price-it’s in its $2.5 billion in loan disbursements and its regulatory license from the BVI Financial Services Commission. That’s rare for a DeFi project. Most competitors are unlicensed and get shut down. EQIFi isn’t.
If the platform grows its user base-say, from 16,670 holders to 100,000-demand for EQX could rise. But that depends on whether people actually use the banking services, not just trade the token.
Why EQIFi Stands Out (and Why It’s Struggling)
Most DeFi platforms are just smart contracts with no real-world banking. EQIFi is different. It’s got:- A licensed neobanking license (BVI FSC)
- SWIFT/SEPA bank accounts
- Visa cards
- 36-month crypto loans
- 100+ currency support
That’s a huge advantage. But here’s the catch: most crypto users don’t want a bank account. They want to trade, flip, and moon. EQIFi is trying to sell stability and compliance to a market that loves chaos.
It’s also competing with giants like Revolut, N26, and Crypto.com-all of which offer crypto-linked cards and banking. EQIFi’s edge is its DeFi integration, but that’s not enough to pull in mass adoption.
Who Should Hold EQX Today?
If you’re already using EQIFi’s services-storing fiat, taking out loans, or trading crypto-then holding EQX makes sense. You’re saving money and getting better terms. It’s a utility, not a gamble.If you’re not using the platform, buying EQX is pure speculation. The token has no real demand outside the platform, and the market has punished it for years. Even if EQIFi grows, it will take years for EQX to recover its value.
Early adopters who bought at $0.15 are long gone. The current holders are either long-term believers, low-cost buyers, or people who got it as a reward for using the platform. There’s no retail frenzy here.
Final Verdict: Utility Over Hype
EQIFI (EQX) is not a crypto that will make you rich overnight. It’s a tool for people who want to combine traditional banking with DeFi. The token’s value comes from usage-not speculation.The platform is real. The licenses are valid. The $2.5 billion in transactions prove it’s not a scam. But the token price tells a different story: the market doesn’t believe in its growth potential yet.
Hold EQX if you use EQIFi. Ignore it if you don’t. Don’t buy it hoping for a 10x return. That ship sailed in 2022. The real opportunity now is in using the platform efficiently-and letting the token work for you, not the other way around.
Is EQIFI (EQX) a scam?
No, EQIFI is not a scam. It’s licensed by the BVI Financial Services Commission and has processed over $2.5 billion in loans and payments. The platform offers real banking services, including IBAN accounts, Visa cards, and SWIFT transfers. The EQX token’s low price reflects market sentiment, not fraud.
Can I earn interest with EQX?
Yes. By staking EQX on the EQIFi platform, you can earn up to 25% APY. This reward comes from the platform’s lending pools, where users borrow crypto and pay interest. The more EQX you stake, the higher your share of the interest.
How many EQX tokens are there?
The total supply of EQX is 500 million tokens. As of October 2025, about 75.52 million are in circulation. The rest are reserved for future releases, team allocations, and ecosystem growth.
Where can I buy EQX?
EQX is available on decentralized exchanges like Uniswap and centralized exchanges such as MEXC, Gate.io, and Bitrue. Always check the trading pair (usually EQX/USDT or EQX/ETH) and verify the contract address before buying.
Is EQX a good investment?
Only if you plan to use EQIFi’s services. EQX is not a speculative asset with strong growth potential. Its value is tied to platform usage. If you’re not borrowing, staking, or banking with EQIFi, buying EQX is high-risk and unlikely to pay off.
What’s the difference between EQIFi and DeFi platforms like Aave or Compound?
EQIFi adds real-world banking. While Aave and Compound only handle crypto lending and borrowing, EQIFi lets you hold USD, EUR, or SGD in an IBAN account, get a Visa card, and transfer money via SWIFT-all while integrating with DeFi. It’s a hybrid model, not pure DeFi.
There are 11 Comments
Louise Watson
EQX isn't a coin. It's a key. And keys don't appreciate-they unlock things.
Hold it if you use the bank. Don't hold it if you just want to get rich.
Simple.
Stop gambling.
Start using.
Kevin Mann
Okay but like… WHO EVEN USES THIS?? 😅
I mean, I get it-‘hybrid banking + DeFi’ sounds slick on paper, but who’s actually sitting there like ‘yep, I need a SWIFT transfer from my USDT balance to pay my landlord’? 😂
Meanwhile, Crypto.com gives me a Visa card, 8% APY, and no 800k token barrier to vote on whether I can buy Shiba Inu.
EQIFi’s like that one friend who insists they ‘have a system’ but still lives in their mom’s basement.
Also-99.1% drop? Bro. That’s not a correction. That’s a funeral.
And yet… I still check the price daily. 🤡
Some of us are just addicted to the trainwreck.
Also-25% APY? If that’s real, why isn’t everyone on it? Hmmmm? 😏
Kathy Ruff
Kevin, you’re not wrong-but you’re also missing the point.
EQIFi isn’t for the ‘moon boys.’ It’s for people who want to actually use crypto in real life-paying bills, sending money abroad, getting loans without liquidating their portfolio.
Yes, the token price is trash. But the platform? It’s processing $2.5B. That’s not a rumor. That’s audited data.
Most DeFi projects are code with no license. EQIFi has a financial license. That’s huge.
It’s not going to 10x. But it might survive when everything else collapses.
That’s the real value.
Not hype. Not charts. Just… utility.
And that’s worth something.
Even if it’s quiet.
Nitesh Bandgar
WHY DOES EVERYONE KEEP TALKING ABOUT THE PRICE?? 🤬
EQX IS NOT A GAMBLING TOKEN-IT’S A TOOL, LIKE A SCREWDRIVER!
Would you sell your screwdriver because it didn’t double in value last week? NO!
You’d use it to fix your damn table!
EQIFi is the table. EQX is the screwdriver.
People who bought EQX at $0.15? They’re not stupid-they were early. But now? The smart ones are USING it.
Staking. Lowering fees. Getting better LTV.
Meanwhile, you’re all out here crying because it’s not $100.
Wake up.
The market doesn’t care about your dreams.
It cares about usage.
And EQIFi? It’s USING.
That’s the real moon.
Not price.
USE.
USE.
USE.
And then maybe, just maybe, the price follows.
But you won’t wait. You never do.
That’s why you lose.
Again.
And again.
And again.
Vivian Efthimiopoulou
There’s a quiet revolution happening here-and most people are too busy chasing memes to notice.
EQIFi is one of the very few crypto-native entities that has successfully integrated into the traditional financial infrastructure without compromising decentralization.
It’s not just ‘crypto banking’-it’s banking that understands blockchain.
Imagine being able to take a 36-month loan in ETH, repay in USD, and have your credit history reported to a regulated entity.
That’s not DeFi.
That’s financial evolution.
And EQX is the governance token that ensures this evolution doesn’t get hijacked by speculators.
Yes, the market cap is tiny.
Yes, the volume is low.
But look at the trajectory: no rug pulls. No anonymous teams. No empty whitepapers.
Just a licensed entity, slowly, quietly, building.
It’s the opposite of what crypto was supposed to be.
And maybe… that’s why it’s working.
Not because it’s flashy.
Because it’s responsible.
And responsibility? It’s the rarest commodity in this space.
Don’t buy EQX to get rich.
Buy it to be part of something that actually lasts.
Fred Kärblane
Y’all are overthinking this.
EQIFi is the only DeFi project I’ve seen that actually has real-world KYC, real bank accounts, and real customer support.
Most ‘DeFi banks’ are just Discord bots with a website.
EQIFi? You can call them. They answer. They fix things.
And yes-the token price is a ghost town.
But guess what? That’s not the point.
My buddy used EQIFi to get a $50k crypto-backed loan to buy a rental property.
He didn’t care about EQX price-he cared about the 15% higher LTV because he held it.
He’s making rent every month.
That’s real.
That’s not a chart.
That’s life.
So stop obsessing over price.
Start obsessing over utility.
And if you’re not using it? Then yeah, you’re just a spectator.
And spectators get left behind.
Always do.
Robin Hilton
Let me get this straight: you’re telling me a company based in the British Virgin Islands-with zero U.S. regulation-is offering IBANs, SWIFT, and Visa cards to Americans… and you’re not suspicious?
They’re not licensed by the SEC. Not by FinCEN. Not even by a state-level regulator.
They’re in the BVI. That’s the financial equivalent of a jungle gym.
And you’re calling this ‘legitimate’?
Sorry, but if I see ‘licensed by BVI FSC’ one more time, I’m going to scream.
It’s like saying ‘I’m a doctor’ because I watched House MD.
Real banks? They’re regulated by the Fed, the ECB, the FCA.
Not some offshore shell with a website that says ‘we’re legit.’
EQIFi might be real-but ‘real’ doesn’t mean ‘safe.’
And I’m not putting my money into a crypto bank that couldn’t pass a background check in Ohio.
Grace Huegel
I used to believe in this.
Really.
I staked EQX. I got the card.
I even used it to pay for coffee in Berlin.
It worked.
But then… nothing.
No updates.
No new features.
No marketing.
Just silence.
And now I see the same posts every month.
Same stats.
Same ‘$2.5B processed’.
But no growth.
No traction.
No new users.
Just… the same 16,670 people.
And I feel… used.
Like I was the only one who believed.
And now I’m just… empty.
It’s not the price.
It’s the loneliness.
Of believing in something that doesn’t believe in itself anymore.
Angie Martin-Schwarze
ok so i just bought 10k eqx for like 10 bucks and now im like… wait is this real? like i just spent 10 minutes reading this whole thing and im still not sure if its a scam or a hidden gem or just a ghost… like i think i just got scammed but also maybe i won the lottery?? idk anymore 🤷♀️
Sunidhi Arakere
It’s simple: if you don’t need the banking features, don’t touch EQX.
If you do? Then it’s a no-brainer.
No hype. No noise.
Just use the platform.
Let the token do its job.
And don’t look at the price.
It’s not your business.
It’s the platform’s.
Finn McGinty
Let’s be brutally honest: EQIFi is the crypto equivalent of a 1998 Nokia 3310-clunky, outdated, and utterly unsexy-but somehow, against all odds, it still works.
While everyone else is chasing AI coins and memecoins with 1000% daily swings, EQIFi quietly processes payments, issues loans, and maintains licenses.
There’s no whitepaper with ‘Web3.0 Metaverse Banking DAO’ in the title.
No influencer shilling it on TikTok.
Just… functionality.
And yet, here we are.
Still here.
Still processing.
Still alive.
While every ‘revolutionary’ DeFi project from 2021 is now a dead wallet on Etherscan.
So yes, EQX is down 99%.
But so is the entire crypto market’s credibility.
And EQIFi? It’s the last man standing in a field of corpses.
Not because it’s brilliant.
Because it’s stubborn.
And sometimes, stubbornness is the only thing that survives.
So if you’re looking for a moonshot? Look elsewhere.
If you’re looking for a lifeline? This might be it.
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