Bitcoin Forum

One of the major reasons why bitcoin Enthusiasts hold bitcoin is in anticipation of a price increase that would increase the value of their asset. However, holding your bitcoin requires a patience mixed with strong will. It is the patience to be patient for a long period of time until the price makes a 10%, 20% and so on increase. Strong will not to use it to solve some immediate problem and risk a reduction in your asset. Consequently, not everyone one can wait that is why some decide to learn bitcoin trading so that they can make some quick profit that would also increase their asset holding. Some other become bitcoin lenders. Yes, they use either a centralized or decentralized platform to lend their bitcoin which would be repaid with interest. What is your honest take on bitcoin lending? Too risky, won't try it? Too risky, will give it a try?

It’s is a two way something obviously if everything goes to plan and the debtor doesn’t hang on the money and pays up at the right time then it is good because this time around you will be having a little interest on it and still keeping your coin for the time it took. But the other way is why lending is kinda risky because once the debtor doesn’t pays back it makes you lose your funds. That is why the person been borrowed the money must be a trusted person but even trust can cover for something that is not available.

Although I will say lending might work better I would say having your bitcoin with you might gives you extra freedom to take profit anytime the market might pump up not like the loan that has to payed at a specific time. For example if bitcoin should raise to a certain amount you could just sell of and then buy back after it dumps again, with this you might have earned some profits. But without the bitcoin in your possession you can’t take profit anytime you would like

The common goal of either holding or lending out our asset to people is to make money, if you invest by holding, you're more prone to making more money because you will be on the advantage to make more money in addition especially when the market rises in your favour, if you lend someone, there's a little probability that you may not get your money back on time as at when needed or due, you may have the risk of loosing it value due to inflation, but when you invest you're in charge, when you lend out the recipient is in charge

No lending! Only HODL!

I will never lend my hard earned bitcoins to some unknown faces. Bitcoin lending is a very risky business and I have lost a significant amount of money from a platform called BTCJAM if you remember it.

I will only lend bitcoin if it has securities like banking system. Like credit score checking, having some collateral, address and ID verification and so on. Otherwise it's a very easy job for scammers to run away with my money. I will just rather hold it.

I have a negative attitude towards lending, but this doesn't mean that everyone else should adopt the same tactics of avoiding lending. This is just my choice, due to the fact that I consider these risks to be excessively unjustified. In lending, you will have to give bitcoin (or othrt crypto) into the wrong hands. Giving 100% for the sake of possibly getting 10-20%? I don't know anything dumber. I would be willing to risk 10-20% to get 100%, but certainly not vice versa. With a hodl, sooner or later, capital growth will still happen, and this is inevitable. I prefer to go slowly, but only forward. The pursuit of quick profits (lending) promises big trouble and unnecessary risks - all for the sake of relatively small profits. It's not worth it.

There are many investments out there and it's good to try as much as possible you could if you have the money and nerves.

And talking about risk, the risk is in every business and investment, only that the level is higher than each other, and 'the higher your affinity for risk-taking the better for you,' just make it reasonable.

What I do now is to diversify my portfolio, damn the risk, this is because if one fails many others would still be standing for me. Just today, a company offers me 20% ROI if I could leave my money for a full year as they use it. That, I will still do and still does not stop me from investing in anything reasonable that comes my later comes my way.

And specifically about your question, if I were you, I will divide the money into two and continue to invest in both if their promising returns are truly worth it.

If you are holding your bitcoin in a centralized exchange that offers lending services and you are planning to hold it for a long time no matter how price fluctuates, i can't see any reason not to lend it. But if you are using it as it was meant to use and have self custodity, you might not want to lend it, at least without collateral as that requires ton of trust and you are putting lots of faith to lenders.

I have mad respect for people in the forum lending money for collateral as those act as an alternative for unethical loan sharks and banking services.

If I really want to make money out of anything by lending it out it will not be Bitcoin, I have to use a separate fund to buy Ethereum and stake it or lend it out for some rewards over time, it's true that there is no point holding your coins in your wallet for years when you can make more coins but I just don't like the idea because it's risky.

You can make money fixing your Bitcoin on the Binance exchange, but are you seeing what's going on lately? This is one of the examples that things can go wrong really fast, I will prefer to hold my Bitcoin and use other coins to make yield returns weekly or monthly.

Hodl means holding onto your Bitcoin for the long term, hoping its value will increase. It requires patience and belief in Bitcoin's potential. Lending Bitcoin lets you earn interest on your holdings but carries risks like borrower default. Choosing between Hodl and lend depends on your goals and tolerance for risk. Hodl is passive, while lending requires active involvement.

I chose Hodl alone but I researched and researched lending platforms, understood their requirements, and assessed their reputation because of the possibility of borrower default, platform vulnerability, and market volatility.

To me this feels like speculation on top of speculation, or maybe it could be called leverage. However in terms of trading, which you are effectively doing by renting your bitcoin out, then it might help you to get a long term return from this rather stationary asset. However you always have to look for the downsides or negatives in such trades. If you really think that bitcoin has a bright future then (depending on how long you think it will take to achieve) you might not want to set up a contract where someone can take it away from you if it reaches a certain price. That's how these deals tend to work, people have the option to take them from you if it reaches a presently unrealistic price point.

To hodle is for bitcoin appreciation and to buy is bitcoin depreciation, these are the two major factors that involve in bitcoin investment. You buy when bitcoin is low and hodle it for a long period of time for bitcoin to increase and you sell it.
Those who not good in managing finance can not hodle bitcoin because if anyone wants to make good profit from bitcoin investment, he or she must be will to keep the coins for a very long period of time. Impatient humans can not invest in bitcoin.
Op everyone cannot wait. So they diversify to other means of investment and make fast money to solve some immediate problems.

Lending in general involves a double risk, one of which is the fixed payment term with a guarantee, if you do not pay within the payment term, the guarantee will be liquidated at less than its value, and the second is the interest, which is rising in our current days due to inflation and because of the increase in interest rates.

These risks increase in Bitcoin as the value is very volatile and volatile, and therefore you add another dimension to the factors that currently exist. It is an option that I do not recommend to anyone because you want to borrow in a high-risk investment with slow returns in the short term and the results are not guaranteed in the long term. DCA is the best strategy, it allows you to grow slowly but after a few years you will notice that your assets have increased well.

What kind of platform?

If they are all using non-actual bitcoins, like WBTC or even RBTC, they surely give away all of their bitcoin into somebody else hands. Especially, if they use centralised platforms. There are no returns that are good enough which will make it worth to lends the bitcoins. Bitcoin does not support a flexible smart contract, so any decentralized exchange must be an off-chain platform. We do not know how secure and safe the platforms are, by using them, I'm sure the risk outweigh the returns/interest potentials.

To lend out an asset like bitcoin, what is going to be the collateral? I can't lend my Bitcoin just like that to anyone, lending don't have anything to do with one's reputation, there must be a collateralized asset for anyone to give out my Bitcoin to anyone; and for me to giveout bitcoin, I wouldn't take any altcoins for collateral, they are too risky for collateral because they can easily be liquidated when the market becomes too volatile.

However, with what I have seen in the Forum from lenders who give out bitcoin as loan to other members, it's a very profitable venture from the % profits I have seen in their profits, the profits may be little per individual but when combined as a whole, it's worth something big because they are accumulating more merit and when bullrun comes, they will earn from the profits they make too.

To be very Honest, i am against this lending system where we have to pay interest. I know this system is there from the start but its not moral work or a way for borrowers to take the money and for lenders to earn money on interest. So i will pass that path.

Secondly, you are totally right about patience plus people who are involved in trading but there are other people too. Like me, who are earning BTC by working, those who get paid in BTC in exchange of their services and products. And, if i talk about myself, i never want to withdraw my BTC to fiat even for daily expenses, but still, i have to as it is necessary that's why we are earning money, so what use do they have if we will just save them instead of using them. Even now, i do not want to exit the market but i have to. The point is, holding BTC solely not depends on patience but on the conditions and situations being made for you. If you have left no other choice then you have to sell BTC.

It is risky, I haven't thought about doing Bitcoin lending before now but in the future, I might give it a trial for now, I would rather hold my coin and be checking the trends for the increase rather than trade it or lend.

Regarding earning Bitcoin through work and using it for daily expenses, it is a valid point that many people earn Bitcoin as a form of payment or income. While it is ideal to hold Bitcoin and avoid converting it to fiat, sometimes financial circumstances or an urgent need may require them to convert their Bitcoins into fiat. Anyway, everyone's financial situation is different, and sometimes selling Bitcoin becomes a necessary choice based on personal circumstances and needs. The key is striking a balance between holding for the long term and meeting your immediate financial requirements.

Lending is highly risky and you may lose all the money that you lend if they default and you can't do anything about it, to make it clear you can visit scam accusation board and find loan defaulter and some of them were highly reputed members of bitcointalk so it's unsecured loan with high interest rate. But it's not really a way to keep your patience level, if you can't hold when the prices are swinging then you need to work on yourself about managing your funds instead of giving it to someone else in the name of lending.

Since the market is not easy to analyze, the choice we have now is keep holding Bitcoin for as long as we are going to earn from it. There are people that might not have the patience to hold for a long time because they might have a plan and needing money to execute the plan. If we keep investing without having reserve where we are take money and use to settle our daily bills, we might be forced to go to our holdings and use part of the money to buy or settle whatever we want to us it to do. It is better for us to hold now and profit later when the market is finally on a bullish trend.

The only risk that could only be involved in Bitcoin lending is knowing the capacity of the borrower's ability to pay back your loan at when due without giving an excuse. Because to me, I will prefer to lend my Btc out rather than USDT, so that if when due, the price of Btc happens to increase then you stand to be on profits, but if the price  happens to have fallen then you stand to be at a loss.

So to me, I will prefer taking a USDT loan than a Btc loan, but will love to lend my Btc and not USDT.

Lending has always been a very risky activity, which is why banks put forward so many conditions before giving you any money and why a great deal of the world population has no access to loans at all, so this immediately makes me to discard lending on my mind, now I do not know how to trade and it took me a great deal of time to learn how to do it, but when I consider all the effort I need to do, I prefer to simply hold my coins and obtain profits with almost no effort on my part.

it depends on how your style of investing. if I'd rather take some to make a profit if it's profitable, but if not I'll try to be patient with the hold. but if it is profitable, I will not immediately take all the profits, but gradually so that I can feel how the peak of the bull trend at that time was. next, I think my bitcoins are not enough to invest because there are still lots of profitable coins to invest.

Holding is a more precise decision in my view because while you are holding it gives you a broader domain to play, Simply holding all the time is not a good habit in my view just plays with your mind a specific amount and sell it in the market boom and rebuy whenever you get the healthy correction or average cheap prices. it will benefit you in two means one your value is increasing from time to time and secondly with that value if you are again investing then your total amount of the asset is increasing gradually. It clearly means greater profits and returns.

On lending, I have some strong observations it puts an extra load mentally. Most of the people who are involved in the signature campaigns are also involved in the Lending as well from most of the people I mean the regular ones who have at least some open lending positions active all the time.

It's a business just like any other business that has risk. The risk there is that they might not be able to get paid by the borrower and we've seen that happen for so many of the lenders. I have this in my mind but I guess this isn't the line of business for me.

If I've got a lot of funds and spare moeny that's sufficient to start a lending business, why not? But as of now, it's a no for me.

In real life, it's not that I've lent bitcoin but cash and then many of those people that made themselves look pitiful upon borrowing didn't paid me back so, I've got that experience already and that's why not for now.

And it was hard to trust people online which makes crypto lending more risky than what the banks or any offline lending institution does. That is why only a few people doing this as they can't carry the risk. If I have to find a way of growing my money, I shouldn't do that as well, I'd rather just use my funds for investing potential assets and hold them waiting for the right moment to sell as it was safe at least compared to let people borrowed it and possibly lose them.

If you are trying out to become a lendor or someone who do run a lending business then risks would be always there, there's no such business that there's no risks but i would
say that on this one is pretty high and this is why you would really be setting up those terms on having that collateral which would really be lessening out the risks of huge loss
in case if a certain loan isnt get paid or had defaulted. Surprisingly there are lendors out of this forum does offer that no-collateral loans but of course the qualifications isnt
something that you could really be able to get in.

If you do want or like to be on the safer side of things then you would really be preferring on holding your coins in long term, but its true that there are people who arent that patient
enough on waiting for years just to have that 10-20% kind of increase of their investment and much preferred on getting more. This is why they do really end up on these kind of
options on which i couldnt blame them because if we do really make out calculations then it is really that true that you could really earn more if you do make out such
investment or business decisions connecting to it.

There are people who are not strong decision-keepers, especially when it comes to holding on to and depriving themselves of things that are not necessary but are pleasurable. I'm one of those. Since I know I can't have Bitcoin in my wallet, I have full control over it with the mindset that I can still replace it. If I see something that I actually want to buy, I will refuse to buy it.

Aside from my own Bitcoin, which I gifted myself as a birthday gift, and a few others that I bought on different occasions specifically for holding, I actually find it difficult to save my earned Bitcoin. I learned most of them out. I prefer lending them out knowing that I have them someplace, but I can't actually reach them when I just want to until the due date. Lending out my Bitcoin hodlings actually helps me to save them more, and sometimes it gives me a little interest too from the person who I lend it to. I feel so free with this because it's less of a risk to me since I know who I'm lending them out to, up to his door step, and if anything goes sideways, I can always walk up to the person and demand my Bitcoin back or I take off the collateral as per agreement.

That is how to be profitable in the market, we need to ensure that we take some profits from our trading account before we continue trading. It is very important for us to know when we are ought to leave the market than to keep trading and lose all our profits that we might have used to settle some bills and do some important things. Those who know how to trade and have the experience would never have to keep trading without having rsok management journal at place to guide them how they could trade and earn some good profits from the market without much contemplating.

Well, the first thing is to know your trade.

You can't rush into lending when you've got no idea on how it works. I've seen quite a few Legendary members on the forum offering lending services and though I've never been in the position to take crypto loans and hope not, I am sure they take a lot into consideration like, determining the value of the account, credit score and the known wallet of the user forum wise.
These are some criterias as I sense it possible.

Even with these, am not sure it's a service I'll like to offer. I don't even have that much to give away and not very sure how the services works but, I find if very risky especially due to the nature of cryptocurrencies.

Eitherway is good but depends on what type of an investor you are. Problem with lending your bitcoin is whether it would really be trustworthy or not. It will always give you worries of not being paid, right? 'coz anything could happen. Unlike with just investing and holding wherein no other person or company would be able to make use of your asset and even if it would require you to hold for a long period of time. So maybe, to determine which would be a better way to earn profit, depends on risk tolerance of the investor. Everything has its own risk and as an investor your task is to minimize it as much as possible.

besides, it is hard to trust nowadays. here in the forum, we all know that lenders always check the background of the borrower first before they send. even higher rank members have been rejected depending on their track record. also, better hodl, less headache and you know very well, you still have your funds in case you need it.

I don't know what to think in the future. but for now I feel it's too risky. i prefer to avoid it.

And about being Hodl I don't think it's just about patience. But it also depends on what funds we use to invest in these bitcoins for the long term. If we only use the leftover money every month after we have finished meeting all our life needs and it is money that we really don't need in the near future. then in a situation where money is used like this, someone will be calmer in investing it in bitcoin.

And this is also about our confidence in what we have assessed and analyzed from the potential of bitcoin itself. if we believe bitcoin has a good future. then there is no reason for us to worry about our assets shrinking just because the market is bearish. because we are sure that one day in the longer term eventually bitcoin will give us big profits. financial strength, patience and mentality and trust. that's what we need.

Most lending platforms require the user to hold said funds to cover those losses anyway. Now locking up funds on any exchange or platform has its inherent risks especially as of lately with FTX and other fallouts. I would look to defi or decentralized staking ect.

I am neutral when it comes to Bitcoin lending since I am a person who doesn't want to take advantage of other people's needs, I might not try a lending service because it is too risky for me since I won't be putting any interest if someone borrowed or loan money from me.

Lending money risk can be mitigated by asking for collateral, in case the borrower defaults, the lender will have access to an asset that can cover some if not all the loans defaulted by the borrower.

When taking up some loan on some exchangers on which it is really that common that they would really be asking some coins which does have that 120% more of value of the possible loan amount
on which you couldnt really even assure the safety of those coins for long time or depending on the terms of the repayment that you have chosen. About the risks then its risky on lending someone
randomly on the internet.

It would really be just that right that you would really be asking for some collateral as long it does have value or something valid which is mostly be talking with some top altcoins or simply Bitcoin
on which you could really be able to make deal with. When running a lending business then you would really be needing to take risks if you cant really afford or having no patience on
waiting up for too long before you could gain up 100%. This could be possible on lending but the risks is more than or compared when you do make hold  on.

Lending only gave me trauma even in real life, so I'd rather hodl my Bitcoin than to lend it to someone online that I didn't even know personally which makes it more risky. I think it's good if they always pays back on time, but it'll just gives you stress and frustration if they are not even paying you back. Hodling is much more better since you're at ease knowing that your money is just there, waiting for the bull run and make a lot of profits by patiently waiting.

Yea you can never go wrong with holding. Buying on a weekly or monthly time-frame is always great or buying big dips too.

It is too risky because there's always a possibility that you'll not be repaid to the loan you've given. Lending is solely for people who are willing to take the risk and aware of the consequences if ever the borrower didn't pay. I experienced to be a lender (though it's fiat) many times and got disappointed because some people are never true to their words. So if you can't bear losing your money then lending is not for you.

Due to this I will chose to just hold my Bitcoin rather than to lend it to increase my holdings. Because it's less stress on my part incase worst thing happened. So I think it depends for each of us. But if you want to be a lender it's wise to ask for a valid collateral so you have assurance.

It's a win-win situation.
You will learn how to be patient, and being patient can be applied in all aspects of life. At the same time, while learning it, you have the potential to earn more thru just holding Bitcoins. On the other hand though, 10-20% increase only happens when the bull run starts, and in a normal day, that doesn't happen.

When I'm very impatient, I tried trading way back a few years ago. Ending is I lost all of my Bitcoin.

Too risky, and I will not try it at all.
I don't know, but is there any centralized platform that offers P2P lending? I mean there are some DEX'es out there who have lending feature like AAVE, COMPOUND etc.

I tried lending out Bitcoin to users here already, but one loan default made me a decision not to do it anymore. Yes it wasn't either CEX or DEX, but lending in general isn't worth it for me compare to just holding it, and hoping for the bull run to happen again. Another risk is the collateral that the borrower gives. What if the price of the collateral goes down? You can't force the borrower to pay the Bitcoin as well, so you will lose your money.

Well, I guess if anybody here really wants to lend their money then I guess using DEX'es would be the best choice.

Lending is too risky because there are really instances where you won't get paid back, and now your bitcoin is gone. I haven't tried this bitcoin lending either. I don't see any problem with why holding is difficult for some because you are just holding it. I think the problem with this really is the owner of it, who is too greedy and not patient enough to wait for the price increase because they always want to earn profit overnight. I do prefer holding or trading bitcoin to lending, as I am held accountable for it, unlike lending, over which I have no control.

if asked to choose to hold or lend my bitcoin, I prefer to hold it, even when the loan has collateral and a few percent interest. why is that? because I don't want the assets that I hold to be in the hands of other people, and when I need them, I can't sell or withdraw them directly.

I am a holder, not a lender. indeed it's a win-win, but just imagine when the bitcoin is lent to someone else, meaning we are waiting for it to be returned, while no one can predict the momentum of the bitcoin price. imagine when the bitcoin price rises and your bitcoin is still in someone's hands other? you will lose the momentum to sell it which can generate bigger profits. not to mention that the risk of the lending platform going bankrupt, it also needs to be considered. that's why I prefer to hold it in my wallet.

It's just BS. Bitcoin is already profitable enough in itself to give up your private keys for a small extra percentage of profitability. It's not worth it, it doesn't make any mathematical sense.

The best thing to do with Bitcoin is long term B&H, for at least one cycle, or DCA. When I say minimum one cycle I don't mean sell it all in the next cycle, you can sell a small part of your holdings. On how to accumulate over time and make partial sales at certain times, JayJuanGee has detailed explanations in several forum threads that, in my opinion, are very accurate.

What happens is that the most profitable and safe thing to do is boring, which is not usually liked by eager traders or lenders.

So true. At least with Hodl and storing it in cold Wallet we can feel calm. Because we have kept it pretty good and safe. And keep trying to increase the quantity of our bitcoin holdings by continuing to do DCA regularly. And we don't have to think too much about the fluctuations that occur in the short term because we only focus on the long term. and well it's more convenient to do. and at least our psychological burden is also not too heavy when we invest in the long term (Hodl).

And I also prefer to avoid anything related to borrowing or lending. unless my heart really feels called to help someone.

I believe it's too risky, and you might miss the opportunity to benefit from the skyrocketing price of your Bitcoin. When you lend your Bitcoin, you send the coin to the borrower with the expectation of its return based on agreed-upon terms. However, not all the time are these terms followed due to various circumstances. Therefore, it carries significant risk because while you can potentially make a substantial profit when the price increases by, let's say, 300%, you won't be able to sell it because you've lent it out. It's a matter of managing the risk. It's fine to lend, but it's important not to lend everything you have. Moreover, if it's an unsecured loan, it becomes even riskier on your part.

I don't think it's wise to give bitcoin loans, considering that while we are investing, why not hold it ourselves. in other words, we want a definite profit from the bitcoins that we lend, but we forget one thing, that investing in bitcoins is safe, and no one knows when bitcoin will explode, so it's a shame if we lend our assets to other people. . because if the contract period runs out and we make a profit, of course we will lend it again, until during the bullish period we can't actually sell it, even though we lend it partly, but in my opinion it is also not feasible, because I had the initial intention to invest personally

I believe that bitcoin lending can be an intriguing opportunity for those seeking to maximize their asset holdings. It offers an alternative avenue to generate additional income through interest repayments. However, it's important to carefully assess the associated risks and choose reliable lending platforms. In this regard, I recently came across an interesting article (https://cointelegraph.com/news/will-crypto-remittances-be-the-future-of-global-money-transfers) discussing the future of global money transfers and the potential role of crypto remittances. It sheds light on the advantages of cryptocurrencies, such as faster transactions and lower fees. You might find it insightful too. Feel free to check it out and share your thoughts on how crypto lending could contribute to the evolving financial landscape.

There's no difference either you use Bitcoin or Ethereum, if you stake your coins, it mean you're taking a risk to lose all of your coins. This mean you're still want to stake your coins, but with small amount of money.

You're not making any sense. If the borrower give a valid collateral, you don't need to worry because you can sell it if he can't pay back the loan. Usually the collateral is more valuable or expensive than the amount you lend, so you're making a profit.

Patience is very important for investing. If we cannot be patient with investments then we cannot expect to make profits. We must be patient for certain profits by investing at a certain time. To earn a certain amount of profit, sometimes we may lose some money from our capital, but even if we lose some money from our capital, we have to wait for the profit until we get a certain amount of money and who can wait for this. They are the ones who succeed in the end. And haste can never bring success in business. Rushing is more likely to result in loss than profit as short-cut halving will never bring value for your money.

Any investor's aim is to make a profit from whatever asset they invest in. If I buy Bitcoin and my aim is to make profit in the crypto industry, lending people Bitcoin or any other coins with collateral is something good, and I see it as a means of making profit in the crypto sector like trading,but theproblem with lending coins out is the issue of trust. It is very hard these days to trust people in the cryptocurrency industry, especially when you don't know them personally or have access to where they will be found. Scammers have occupied the internet, and that is where I see lending as a risky service because some people will not pay back. So for this reason, I will prefer to only hold my bitcoin and be patient enough till I meet my profit target.

There are legit company that gives such kind of lend of assets and if you have full trust of it, then it's better to lend than to hold. But if person has a trust issues then better holding the assets is also best of it because you are guaranteed that the assets are safe and sound from our own possessions.

Not just HOLDING. HOLDING AND FORGETTING. LOLz.

This is a strategy I find useful, I'm not saying I have a whole lot but what I have, I do not think about it honestly, all I'm after is how to earn more and hold for whats to come next year during the Bitcoin Halving.

And in the aspect of lending, we're in this together. Truthfully, I'd rather use my bitcoin to stake on three straight draw ( gambling ) rather than lending, at least, I'm damn sure of getting returns ( profits ) or lose. Although, I don't discourage thisto be carried out by whoever that wants too.

Lending is not that bad but it's not safe either, what will happen if you don't get your lent Bitcoin back? What will happen if the platform which you lend through stops working? I would rather store my Bitcoin and HODL for a very long term until I am satisfied and ready to take profits, I will keep buying more Bitcoin and keep instead of trying to find a way that I can earn more Bitcoin through lending.

i will not try it. after all it's too risky for me who has a limit on funds. I prefer to try to manage the money that I currently have. Lending bitcoins with interest is not easy. You need data guarantees and trust regarding the people who will borrow the bitcoins that you have. However, the risk is when you find someone who doesn't care about their own personal data. well, so, I better hold on to the bitcoins that I have. it has many advantages for me, such as learning to invest, saving, learning to make decisions, and others. it makes my skills increase even though sometimes I face the risk.

Yes, lending bitcoins is very risky. Even lending regular money on credit sometimes becomes unprofitable. It would be best if you watched who you could trust—simple strangers, despite the promised interest, I would never risk giving. Yes, I will lend to a friend, but this person is closer than a brother, and I am sure of him. Otherwise, I always remember the saying: "You lend to a friend and receive your debt from the enemy." Moreover, with the volatility of Bitcoin, lending is a thankless task. Besides that, I won’t borrow; you need to learn how to live with the means that a person has, which is why it is crucial to have good patience to save some money, in this example, Bitcoins, to never depend on any debt.

Let's generalize the lending thing in the crypto community. There have been projects that have made their main use case into lending and we've seen that most of them collapsed. If personally I'll go with the lending business and I'll have a budget of my BTC into lending, I'll pass.
It's an headache and painful honestly and even if I haven't done such, imagining of how things will go when you're gonna have hard time asking for the payment of your borrowers seems to be like having no hope and just a discouragement why I've been into this. So honestly, it's hard pass on me if this idea is gonna be brought by someone to me. I'll just leave it to those that has a strong heart and have been into this business for years.

Honestly, I can't lend my bitcoin through any centralized or decentralized exchange unless maybe through this forum.
 I can also lend it to a trusted friend who is a bitcoiner like me. I have a few friends of mine who are bitcoiners. A few times they have requested a loan from me, and I have offered to give them the loan in Bitcoin. It was in their agreement to pay me the exact volume of Bitcoin I lend them, even if the price of Bitcoin goes above the price it was before I loaned it to them.

Apart from that, I really prefer to hold my bitcoin for the long term. There is one advantage of lending for lenders; for example, if you lend 0.05 Bitcoin when the price was $25k and Bitcoin grows to $40k, you have your loaned amount increase in profit even plus the interest rate, but that advantage is a very big disadvantage for the borrower because, if he only needed to spend $1,250 to buy 0.05 Bitcoin when the price was $25k, he will now need to spend $2000 to buy the same 0.05 Bitcoin before he can pay back his loan, and that's only for the amount borrowed; he still needs to cover the loan interest depending on what the interest rate is. That's also the reason why I wouldn't want to take a loan in Bitcoin from anyone.

Cheers 🥂, Dr.Bitcoin_Strange 👺👺

Lending will only make sense when you are paying with the amount of BTC and not with the value it has for the current market price. Let's say you lend someone 1 BTC and after the time is over, they will have to pay you 1.05 BTC. So, even if the price increase or fall, your assets will stay the same. Currently, 1 BTC = $26400 and you will be paid after certain time and the price increase to $28000, You will get less than 1 BTC when they return that to you. And the interest amount will not cover that either if you are looking for to hodl it afterward. Also, if the price falls, you will get more BTC but the one who is giving you back will be in a loss. You will have both advantage and disadvantage. Vice versa for value transfer but opposite.
And not to mention that there are risks of security concern. Not your key, not your coin. And when it is in the hand of others, nothing can be said about it. So I will stay away from it and try to make the best out of DCA or Spot trading.

Of course, it would be a risky option to borrow the existing Bitcoin balance by collateral and use this debt to trade because if the current positions are negative there will be a possibility of non-repayment of this debt and in such a case the balance shown as collateral will be taken in return for the debt. Moreover, in such a case an extra cost will be incurred as the interest on the debt will be paid in addition to the loss of the new transaction.
Giving existing Bitcoin savings as a loan will not be a risky situation because there are many trustable platforms where these transaction(s) can be made. With these platforms you can lend your Bitcoin savings as a loan and get the interest income with the lowest risk.
For this reason it would be more accurate to interpret whether it is risky to perform these transactions depending on which side you are on.

I'm also for "No Lending, Only Hold".

Hold and DCA is the best option at all times, buying from price levels and holding for the long term and then selling in batches with each new high.

As for lending, it is not a good option at all. What will I gain from bitcoin lending? Profit through little interest? Is this the profit you wish for? This is nothing compared to what you can earn from holding bitcoins in the long run. This is of course apart from the other disadvantages of lending.

Well, you are very correct, sir, but it depends on who you are lending to just as you have said. When lending, I think the lender should apply wisdom because the truth is that not every borrower can pay their debt. For instance, if you see a legendary member om the forum who is earning about $120 per week and requests to get a loan of $400 to pay back in two months, I can probably accept to give the loan to the person because I know that in those two months, from his signature campaign, he will be making about $880.

What I am just saying, in essence, is that a loan should be given to someone whom you really know has the source of income to pay it back. For example, I have a friend who I took a loan from for my business; it's been over five months now, although it's a non-collateral and non-interest loan. The agreed period is overdue, but I have been the one begging this guy to take back his money, and he is declining, saying he has no need of the money yet, and he is also afraid not to take the money from me and squander it. So, first, he gave me the loan out of trust, and because he knows I have everything it takes to repay him, that was why I said a lender should apply wisdom when giving out loans. I can never give a loan to someone whom I know fully well is not working, doesn't have any investments, and doesn't have any means of paying me back.

For the parable, yes, I heard that saying too. If you loan money to a friend, some time it will result in quarrels and too many issues before you can get your money back. I asked that question in the past to an economist, and his response was that when giving a loan to a very good friend, it should be done in the presence of two witnesses, and there should be a written and signed agreement stating all your terms should your friend fail to repay the loan. The terms could be that you will forfeit any of his property that is worth your loan value. In such a situation, wisdom should be applied, which is, don't give a loan to a friend who doesn't have any property that is worth your loan value. For example, you give a $10,000 loan to a friend who doesn't even have any property that is worth $2,000.

Giving a non-collateral loan to a stranger should be a decision that the lender has agreed to accept whatever risk it presents. For example, if a trusted friend brought a stranger to you and asked you to give a loan to the person, stating that he, being your trusted friend, would cover the debt if the borrower failed to pay, and you knew fully well that if the stranger didn't pay, you couldn't force your friend to pay it, the best choice would be to decline the loan or give it out and agree to bear the risk of not getting your money back should the stranger decide to run away. perhaps Bitcoin loan is something that can have an disavage effect on the borrower if the price of Bitcoin sees a big uptrend 📈(I talked about it on my first comment).

I personally like the idea of lending as it seems prudent and worth trying to stake Bitcoins on a well reputed and reliable platform that offers attractive staking rewards. However, this practice is also associated with certain degree of risk, as there is no guarantee that your funds are absolutely safe. Furthermore, due to regulatory issues surrounding the crypto currencies platforms, there are many uncertainties as crypto currencies are still evolving and meeting regulatory requirements for staking platforms is challenging. Therefore,it is difficult to find a trusted platform that not only provides attractive staking rewards but also works within regulatory framework.

It depends on your ability to conduct good due diligence on the individuals you lend to or the services that you use to lend. Additionally, it depends on diversification. If you put all of your eggs into one basket, then of course your risk is exponential. If you diversify into some services, some individuals, and place 1/20, 1/50 or 1/100 into each lend, then your risk is much lower. If you are aiming to earn 10%, then you will need 2, 5, or 10 defaults or losses in order to break even. 10 defaults with good due diligence would be difficult.

So overall, my answer is that it's not risky if you know what you are doing. If you aren't wise then you will surely make a loss. I wouldn't recommend it to someone who doesn't have experience or isn't prepared to lose in the beginning. There is a learning curve for everything, even lending!

I will always prefer to hodl than to lend. There are possibilities that bitcoin price can rise beyond the interest you will gain from lending. This will make you lose the gain you would have made from hodling. Lending is a very risky business that I might not have to guts to invest in. I have seen moneylenders lose money not because they are not skillful but because some trusted clients failed to honor agreements.

Debt collection is a skill that needs to be learned. I don't think I have the tact and approach to collect a debt. So I have to stay clear from the business. Finally, my religion forbids giving loans with interest. The tenants of my religion promote giving loans without interest or collateral. I give loans to people without interest or collateral but I also ensure that I give only what I can afford to lose.

You forgot that, as it is incorrect. Although we believe that Bitcoin's price may explode in the future, no investment is completely safe. In fact, Bitcoin is classified as a high-risk investment. Let's be realistic.

The risk is dealing with people you can't trust, and that can be difficult to identify. Even for someone who has been involved in the bitcoin lending business on this forum for years, they occasionally lose money due to default even though they are given some time leeway.
The rule that guarantees almost no risk is actually clear, "no collateral, no loans". I don't know why this rule is slowly being abandoned and choosing to be without collateral for certain members.

Take them to think about many situations need to consider and here are my takes.

Hodl the only thing you can do is to buy bitcoin and await on target time you set before you sell. Although market volatility.is stressful but this is only your main problem if you choose to hodl.

Lending Yeah this is profitable but there are times that a lender lose their money due to some those people which doesn't have any plans to pay their debt. And to bad if the borrowed amount is huge since with that the lending business built might collapsed for this reasons.

You prefer to lend Bitcoin over USDT and are viewing Bitcoin's upside potential as a boon. Bitcoin lending can offer the opportunity to benefit from any price spike during the loan period, which can potentially increase your profits. However, it's important to remember that lending to Bitcoin still carries risks, especially the risk of borrower default. Regardless of whether the loan is in Bitcoin or USDT, the borrower's ability to repay the loan is an important factor in the success of the loan agreement. So if you really can't stand the fluctuations, you should learn to hold assets rather than lend.

I don't really like lending whether it's fiat or bitcoin so hodl and self-custody of your assets all the way. Surrendering control of your BTC or other crypto to these lending platforms in exchange of interest always comes with risks and it doesn't matter if they seem reputable to handle your funds. We should learn lessons from big crypto companies that were "exploited" or filed for bankruptcy.

In certain circumstances, risking one's reputation can be seen as an alternative option for those who have a good reputation. Someone with a high reputation is unlikely to be willing to destroy what they have built over time.

Everyone understands that any accumulation of good deeds you have done over a long period can easily crumble when you commit even a single wrongdoing, including failing to repay a non collateral loan.

Nobody in his right sense of thinking will appreciate lending than having to invest and hodl, but the process or means to this is what many lack as adequately not too good enough, there must be a desire for something, then a pursuit for it, then meeting the requirements for it by giving it all it takes, going through the challenges and finally arriving at the end result, if you don't have today is not the end of the story that you can never possess, start by creating something in form of value and earn from it, such a way or means could be your own opportunity to getting started to have, invest and hodl than lending.

As a small holder, I think it's simple because from the beginning holding Bitcoin was a dream since I knew Bitcoin. When that happened, it wasn't hard for a long time, as if I had an absolutely precious object. Talking about patience is of course the main thing, but to strengthen it all there are always small things that need attention and a commitment to yourself that the bitcoins you currently have need to be looked after properly, always avoiding negative issues like Fud who always tries to shake the grip we, don't obsess over being aggressive because holding bitcoins doesn't need to be in large quantities at once use DCA as an option which for small holders DCA has been an effective way to date. Don't force buying when there are other needs that must be met, always prioritize the basic needs of the family.


Everyone has their own way of enjoying the process of holding bitcoins, and it will be a rewarding experience when Bitcoin reaches the most desired ATH. And one more thing to remember later 10-20 years to come you hold 0.01 btc making the rarest person whose value is definitely very valuable.

Always remember that lending platforms can disappear or go bankrupt. There can also be problems due to regulation or changes in the law. And there is always the risk of defaulting on a loan - life these days is very complicated and full of force majeure.

I also don't like loans or lending to others because this can't be identified properly this will cause problems for me and better focus on bitcoin HODL only.

We are more calm in our own way to get bitcoins generated from DCA than to generate bitcoins from loans and this is small interest especially if you make loans with fiat intentions and prices fall then it will make us lose, I know that my calculation method may be wrong but actually it's not a good thing for me.

Large and small loans will definitely have a few problems, especially if someone fails to pay them, so we have to be prepared for that risk, but I myself don't want to do that.

I would prefer to hold than to lend and that's my own opinion. Lending out your bitcoin is as risky as lending out fiat or other valuables. You would need some sort of assurance that you would be paid back else you would incur a lot of bad debt.
If you could withstand the risk involved in lending your bitcoins, then it could also be profitable in both the long and short run. You could lend out your bitcoins with a certain interest percentage and if all goes well(the lender pays back) you would make a small profit in the short run.
But if you incur bad debts after lending out your coins, then you would have probably wished to have held it.

If I have the patience and are also willing to lend BTC, I might want to do it when bear market is almost over like this time of the cycle where we hit bottom already.

Hitting two birds in one stone, you get interest when they paid and at the same time the value increases as well. But right now I just wanna hold some and trade some.

Cause I ain't someone that wanted to chase people just to pay their lent amount. I can deal with interest and calculation on how to profit off from my lending business. It's much easier now with hodling and I am open to more other income that could potentially make another branch of businesses.
Trading isn't even for me in crypto, but I am okay with trading commodities like the usual buy and sell stuff you see in Facebook.

Just careful in bearish market as many would definitely try to gain BTC then might scam you by defaulting in a loan. If you can do both then good for ya. It's just way too much for me to handle lists of lenders, lol.

I am not a big bitcoin investor. People who engage in bitcoin lending using whatever platform that has been made available to them are people who are big investors in bitcoin. Say they have 1 or more bitcoin. From my understanding and research, bitcoin lending seems to be profitable but then I am not the person to engage in that risk. It is too high risk. What scares me most about bitcoin lending is the volatility. I may end up making no profit because of this. Holding and taking profit no matter how the wait period is fine with me. At least my peace of mind is still intact.

A pretty good point where if one of the factors makes a person think wisely then he will prefer to hold it in the sense that he is in full control of his assets in his own wallet rather than giving loans to other parties just to get interest. However, this perception also depends on each other's thinking because those who have a lot of money in the form of Btc will provide loan services to those in need.

Apart from that, I think one thing that makes us successful in this context is when bitcoin goes up we can sell immediately unlike those who use btc to borrow to other people, of course they will miss the opportunity to sell btc when the price is rising.

Exactly. There’s no assurance that your bitcoin will still be back with its additional interest seeing a lot of people nowadays are dying to own even a portion of bitcoin. So I’ll never take that risk for heaven’s sake. Instead, I’ll just master my investment and continue to hold as long as I can, that way I am completely in charge with my own bitcoin. Hodling will double or triple my bitcoin in due time, that means having high patience is only the key.

I agree because when he lend the money it's either it will be less to the initial value he lend or it will be so much higher for the lender. So I think he should invest it instead or hold it instead. There's no doubt in holding bitcoin, among all coins I rather choose bitcoin to hold even more longer than other. Inflation, volatility will be the problem for lending btc.

Holding bitcoin is great, as you don't have any thing to worry about as long as you hold your bitcoins on a trusted non custodian wallet.
But on the other hand, the ability to lend bitcoin is also another great way to hold, as it automatically offers the holder ability to grow his or her bitcoin easily without the risk of losing it through trading, but in as much as lending is good, it is also one that is not without risk, there is a possibility for the borrower to decide not to pay back the loan, most especially the type of lending that is decentralized and also does not require the borrower to deposit a collateral..

Personally, I will prefer to just hold my bitcoins than lend it, I can only consider lending when and if I've made so much money that maybe losing a couple of hundreds of dollars won't weigh me down or affect my finances in any way.

They have the same risk, that's why the level of lending is higher because if you don't know how to manage money properly, your lending money might end up in vain if I compare it to holding.

As for holding, it seems like there is no risk, but there is still because the only enemy I see here is that if you are not a patient person, it is clear that you cannot be here. That's why, if you buy Bitcoin to hold for a long time, the money you use here should be the extra money you don't need.

Well becoming hodling may indeed be no more complicated than those choosing to trade it in the short term which is. Those of us who do long-term hodling or investing will not be too bothered by technical analyzes and market sentiment in the short term. because we focus on goals and potential that we believe in for the long term.

while those who choose not to become hodling or choose to trade their assets in the short term to increase the quantity of their assets, of course, established market analysis skills are needed. because if you are not proficient in market analysis then it is not a profit that can be obtained but a loss.

For one, lending is also a form of investment.  After all you get the returns with interest and a vote of gratitude for being patient.
It is good to ensure that when lending, it is done properly, by factoring trust into the play. I wouldn't lending my coins/BTC to who I really don't know or best, trust in anyway.

To HoDL is where most people find difficultly because the fear of losing the savings to hackers or scammers or gambling or other vices that may require great control and discipline to make it work.  
I will like to HoDL, at least I don't get to bother anyone to refund my coins or do I bother about market volatilities until am ready to either invest the hodlings, add more coins or withdraw it.

I wouldn't, plus there are few platforms offering original Bitcoin lending and those few tend to be centralized, whereas dex lending platforms are on evm chains, to lend there you must wrap your btc first which in itself is risk.

I have been long debating with myself whether I want to do lending because I do have a considerable amount of bitcoin being hodled but given that there's people out there that will default their loans, I say that it's too risky and I don't think it's worth to do so. Maybe if you really know the person and you have a way to find them so he/she can pay the loan, then at that point the risk is mitigated.

What is your honest opinion about bitcoin loans, I think there is potential for additional income. However, there are risks involved e.g. Default risk, Price volatility that fluctuates significantly when your bitcoins are loaned, it can affect the value of your holdings as well as Regulatory and platform risks where Regulations around cryptocurrencies are still developing In addition, the lending platform that we will use can have own risk, such as security concerns.

Based on what I experienced from other investors that involved in Bitcoin lending some years ago, find it difficult to fulfill their promise and they later changed their personal details that made the lenders to lose their money in that investment because the price of Bitcoin dumped through out the year and the interest of the money increased higher in a way it will be difficult for the borrowers to pay back the interest and the capital. I will never give it a try, because it will not make you to have rest of mind whenever the price of Bitcoin is decreasing in the market than to cause you worry how to get your money back from the people you lend because they will definitely give excuse when the market price continue dumping.

You made a valid point that there is risk involved in both in lending and holding. In lending there is risk that borrower may default which is beyond your control but you can mitigate this risk by selecting a reputable entity having proven track record of repaying loans.

Holding requires intense patience when it comes to investment like Bitcoin, emotionally driven decisions based on daily price fluctuations can lead to impulsive actions that may not align with your long term goals. Overcoming this challenging issue can be achieved by avoiding daily monitoring of investment portfolio.

The problem with lending is this....

If there are a sudden spike in the price and you have borrowed your tokens to someone else, then those coins are inaccessible to you, until the loan are repaid.

Now, on the other hand.... if you hodl your coins, then it is accessible at all times and you can capitalize on all the short-term spikes that might happen on the way to the next ATH.  8)

therefore to hold bitcoin for example we must have tips to gain patience due to high price fluctuations. many people are right holding bitcoin, but in the end gave up. this happened because they could not stand to see high price fluctuations, and experienced a crash, of course in their hearts they thought that if they lost more money, then ending it would be better. even though it was a mistake. whereas with borrowing, of course it will increase our mental burden, can we go through it, of course we have to use careful calculations, before doing it

What if the lending happens in a bear market where the market crash like it wouln't recover again, I think any bitcoin that is borrow in this periof will only favour the borrower, because when they borrow btc and sell for USDT, they will do whatever they have with the bitcoin and when it is time to pay and price of Bitcoin prices crashes, the borrower only need small usdt nto pay back because he will the price crash as advantage to buy Bitcoin price at lower price and if the borrowers are clever trader, they can borrow when the price is low, sell when the price is high and buy back when it is low again to pay back, they will earn more USDT with this strategy.

It still largely depends on one's strategy or goals, Bitcoin lending is a risky investment and should be approached with responsibility and caution. You should thoroughly research the lending platform you are using and assess the risks before deciding to lend Bitcoin. In addition, you also need to limit the loan amount to a safe level to avoid bad situations that may arise. In summary, Bitcoin lending is a risky investment, so if you do not have knowledge and experience, you should limit your participation to avoid losing money and assets.

I think this is going to be individual choice. This is based on how everyone is able to manage their funds when they HODL or lend to someone. Now both of them are opposite sides of one coin and has got their own risks involved. Now there is reason one should start right from the risks involved because that’s what concerns when profiting in the “long run”. When you lend you can already see how risky business it is. When you are in the crypto world there is literally no guarantee to whom you are lending the money. If you checkout forums lending section then there are only some members who has established successful business but having highly volatile collateral and securities can turn this business down at anytime. If you are able to overcome the losses and yet prosper the business in the positive direction. If not then it’s gonna be disastrous business.

Now, imagine the other side where you have set up your favourite hardware wallet. You are putting your savings into it and Bitcoin is sitting just like that. It would profit you if prices are hiking and it will put you into a loss if prices go down.

However, you would be in loss only if you sell your Bitcoin. It’s far better to understand this because Bitcoin could be long term asset saving for you and there is no limit for how long you store them and sell only if you are in profit. That’s entirely in your own hands unlike lending your bitcoins. You see where I am going with this?

Lending Bitcoin is a very big risk, when you lend out your coin instead of just holding it in your wallet, you're giving the individual coming to take the loan an additional income because that individual can use that Bitcoin to make profits that will benefits them while they pay you back the loan amount that would had decreased in value by the time they bring it back. Also if it increase in value it doesn't mean you benefited.

That's because if you had held that bitcoin in your wallet,l you would had still benefit from the increase the Bitcoin received. You also have a risk of losing your Bitcoin to scammer that would run away with your Bitcoin when you agreed on a no collateral loan as forum lenders do.

Holding your bitcoins definitely has less risks than lending them out. People who want to and truly have the will to hold bitcoin will not be tempted to sell whenever they may need fiat for some reason. That’s cause the money used in buying and holding bitcoin won’t hurt their budget in the short or long run.
I would very much prefer to hold my coins than to lend them out. Obviously, lending them out might bring in little profits in the short run, the risks involved are slightly higher in my opinion so holding is preferable.
When buying bitcoin to hold irrespective of how long, do well to have an extra income aside your regular income so you won’t be tempted whenever any unexpected expenses pops up.

Hold in my opinion is safer than lend, as we know that many people are too easy to borrow but it is very difficult to bother, even though he can pay, of course it takes extra patience and time to collect, and I think Hold is certainly better than Lend because we can control full.

I think holding is safer than lending, some sites that promise big rewards when lending have the opportunity to become a scam, there's been a lot of evidence and cases, with holding we can sell whenever we feel profit.

The lending platforms itself may pose dangers. Centralized systems, which connect borrowers and lenders via a third-party middleman, may be vulnerable to hacking or fraud, putting your Bitcoin assets at risk. Although decentralized systems are intended to eliminate reliance on intermediaries, they may nonetheless involve technical and smart contract risks that expose lenders to unanticipated vulnerabilities. Those who prefer a more conservative approach or are concerned about the risks associated with lending Bitcoin may be better off avoiding this activity and focusing on alternative investing options.

If you're someone who believes in the long-term potential of Bitcoin and is willing to hold onto it for an extended period of time, then "Hodling" can be a viable investment strategy. However, if you are open to taking on some risk and want to earn interest on your Bitcoin on every transactions, then lending can offer opportunities to generate passive income. But, I prefer to hold my Bitcoin rather than lend it out because it gives me a sense of security and peace of mind that is necessary for healthy survival.

Of the many cases that have occurred, especially lending sites, it is better to use bitcoin for long-term hold, store bitcoin in a private wallet and sell it when it has a big profit, this is safer and makes us not worry if we lend bitcoin on a site that could be a scam .

It is not that lending is a bad business model, it is definitely a great business model without a doubt but it has never been done professionally in crypto and succeeded. Back in the day we had lending platforms and all of them got hacked or scammed, many people take loans and not pay it back and that has been a common issue for a long time. I think even the decentralized ones has been crashed because people find a loophole in the system, if you give someone money then they will just scam you.

The only logical argument people have is "take 120 dollar collateral in another coin and give 100 dollar loan bitcoin", which is not what a lending is about, you are taking more than what they need, so how are you really helping them to begin with?

Scam site??? I never imagined there would be a scam site that would lend Bitcoins to everyone but only the owner of the scam site you are referring to wants other people's money to take him away. I agree about keeping Bitcoin in a personal wallet in the long term because it can also be an investment for each person in their life, but if you say about a loan on a scam site and it is a Bitcoin loan. I'm a little surprised to hear that because scam sites never give anything to anyone for free except telling everyone to put money in their wallet :D

Despite the regulations regarding Bitcoin and cryptocurrencies that are still developing in various jurisdictions, I only see a growing trend where Bitcoin loans generally have higher interest rates than conventional loans. This reflects the risks faced by lenders in providing access to volatile crypto assets. You need to consider whether this higher interest rate is worth the benefits you get from the loan.

I see lending as a risky activity, and it is preferable to keep your money and generate profits through long-term investment rather than entering into trading or lending. Holding your money can actually be a more passive approach, allowing you to benefit from potential price appreciation over time without the need for active trading or lending activities. But not everyone has the time, interest, or expertise to actively trade or engage in lending, and that's perfectly fine. Choosing a strategy that fits your goals and comfort level is key. So if you decide to explore trading or lending in the future, make sure you have thoroughly researched and understood the risks involved, and consider seeking professional education or guidance in those careers to help you navigate those activities.

If your goal is just to generate profit from your capital, I think holding would be wiser and more ideal than lending. We all know the risk of getting lent and there's a possibility that you won't get paid as some borrowers intentionally or has the habit of not paying their debts. If you seek assurance and if you want to make your funds safer, better invest and hold in a reliable and trusted coin rather than entrusting it in the hands of borrowers. There are already lots of scammers who borrow funds from decentralized and centralized exchanges so you have to be skeptical and choose assurance over a higher profit but has a bigger risk.

Considering the market conditions, I won't be surprised if P2P loaning outside the forum would be a pain. I can imagine plenty of lending businesses around the metropolitan region in my country. As much as I hate interests in lending, well hey if it is for the using crypto, I am all in for it.

Well people would just consider personal loans at that point. Even by using custodial wallet already would be alarming to many people considering that even my experience of getting my wallet wiped out since the team that was behind in supporting the web wallet I use are considering an upgrade for their system. I know they don't have an ill intention, but hey just knowing that anyone could touch your money anytime and they'll know every single transaction you make is just a no-no for me.

I hold my coins and avoid any exchanges or lending platforms. I used to feel like it's important to keep generating bitcoin by constantly putting it at risk: trading it, gambling, lending, investing in shitcoins, now I know better.

Having a lot of wealth stored in bitcoin also helps to make a decision because the more you have the less you feel like risking it. Spend time reading posts by newbies here and you'll see that they all want to make money fast and are willing to risk it all. Long time users, people who were here for 10 years will almost never do that. All of them will tell you to stay calm and hold bitcoin, maybe with some occasional trades if you feel like it.

The first thing is the price of bitcoin is a volatile one.So you can do use of bitcoin to earn money based on the demand and supply of bitcoin.The price is not the stable one,when the market was crash and get in to bear town.Use the dump to buy the bitcoin at cheap price.Because we know the demand for bitcoin increases,but the supply of bitcoin was constant.So when the market back to normal,it was huge chance to earn the good money from it.Quick profits is easy one by using bitcoin as the trading tool.

In my view point bitcoin trading and bitcoin lending is of no much difference as both points to profit making and risk inclusive altogether. While you trade there's a possibility of you losing your coins same with lending, the borrower could abscond with your coin closing down all channels of trace leading to your loss as a lender.  Wether be it lending or trading there is risk and so it all depends on your choice of risk  you would want to take in making profits. Hitherto to this post, I don't ever intend on becoming a bitcoin lender any day.

Lending bitcoin is way more risky and dangerous than lending money. Bitcoin has a very high value, so if the one you lend has lost his source of income all of a sudden, then you can never expect that your bitcoin will still be back. But if you manage your own bitcoin and be more patient to hold it for years, with high determination and discipline that you will eventually reach your goal, then you will grow more bitcoin in your account without even lending it to others. Lending may also be good and profitable but only for those who have secured and stable source of income aside from bitcoin investment alone.

I would definitely do the same on which it would be that non stressing if you do find your coins are really that in good storage and its not something being moved or been traded or been used actively.

Who doesnt really like to earn more? Of course we are really that doing our best to accumulate coins as much as we could but as we do all know that we would be needing to put up so much risks
for us to be able to do so which it is really just that normal. If you cant bare up with the risks then you could always have the option not to take some action and would rather be saving up your
coins and letting it sit on your own non-custodial wallet.

This is really that according into your preference since not all would really be having that kind of risk taking emotion or action to be made but rather they do go stick with much safer side
but its not totally 100% safe since we know that Bitcoin or crypto investment is never been safe in the first place but somewhat does really have that high potential specially if holded up for long term.

Basically I am a holder.
 but on the other hand, this will depend on what kind of person and goal you are. Holding for me is more precious to do because this is for Bitcoin. Something tht is very risky but o  the other hand can be exactky very promising at once. As long as we have the right time to do DCA and make more for holding, it will be exactly worthy, won't it?

There are too many worries around bitcoin lending. Like how would you be able to guarantee that at the end of the loan your bitcoins would be paid to me or how will the lending platform/company make money. What if the company goes under? Obviously they can’t take it for themselves but there is a chance the coins could be lost forever due to human error, malicious intent etc

Maybe the profiting is low, but having the funds with us lets the user be on the safer side. As suggested the risks and process associated with it were big. To lend and get it back from the people around us itself a big tragedy. To lend and get it back online will have lots of risks. When it comes to bitcoin, what we earn through lending can be earned through holding. Maybe there'll be more time required to hold to experience the profit whereas with lending you'll receive revenue on particular time interval.

It's risky, and in my opinion isn't really something that you're in for the profits (unless you're some bitcoin millionaire/billionaire and you can just throw a couple thousand dollars willy-nilly to strangers you met on the internet, granted they have proof of identity or whatever you're asking) but something that you're doing because you wanted to help. I've seen a lot of people in this forum be scammed by people who aren't paying up on what they owe, tons of red flags ensued as you would've guessed. Is this something that they would be willingly doing, all because they wanted the profits? No. They did this because they saw that people needed bitcoin every now and again, and banked on the faith that these people are decent human beings who knows how to pay up debts when the due date comes. It's a risk they are willing to take, and along with it the measly rewards from helping people.

Bitcoin holding for profit is still king, some say you'd have to make your money work or else it's going to die out but in the case of bitcoin, if you don't know shit about the industry it's best to just watch it grow in fiat.

I have never heard the concept of lending or do it, so after reading Op, I thought they were trying to explain staking in another method. This is because in staking you still need to give up your capital for a certain period of time for a percentage interest.
But if lending means to give out all the coins such that you won't see it in your portfolio any more until it is returned, I think it is risky to do.
I won't risk my capital for a little profit. I will better be patient till when bull run comes and the coins will still grow in my hands.

If you really do not know about lending, it simply means you probably don't make use of centralized exchanges, or yet to get familiar with all their features, or lending services like Celsius before they went bankrupt..
Lending is pretty much very popular In the crypto currency industry, staking is also another means through which investors get to earn some interest as well, and is completely different from lending, leading means borrowing your money out completely, to earn some interest when the borrower returns the money...

And yeah, I agree wit you though, I would rather hold my money my self, than lend it out, but I believe one of the reasons why investors lend their asset is because it helps them to hold much longer without having the temptation to sell, you can't possibly want to sell an asset that is not in your possession.

You are right that I do not much about centralized exchanges. I don't honestly know, even the staking I'm.saying about, I haven't done also. I came into the crypto space and embraced bitcoin directly. And with bitcoin you may not get bit returns ad you may desire but one thing is sure that you will have some peace of mind.
I do not mind having to learn about these 1000 means to earn in the crypto world. But my reluctance is that the crypto space itself is a risk. Being in it is risky and going into more other risk may be very bad if not well handled by the person.

Holding bitcoin with no planing is not only need patience but also causing us a uncertain anxiety. This because the investment which they have put is uncertain i mean when it will increase the price then give the desired result. However, I don't think I will interest to try bitcoin lending because in my opinion it violates the principle of bitcoin as a decentralized currency. when I lend my bitcoins to a centralized party then I will lose the essence of decentralization.

All are risky, the higher the return, the higher the risk. Holding takes a long time to make a profit, or you won't even make a profit if you hold the wrong coin. For lending, you may have problems like borrowers not paying or the lending platform crashing, as you mentioned. But if all goes well, you will profit monthly or even daily. Holding, lending or trading are all ways to profit in this market. Each of us has different options according to our needs.

It's much better to have confidence and peace of mind while holding your bitcoins. You'll have not to think of any borrowers who won't pay their loans to you. But you're right that we've got different options and take from these methods. I don't want headaches in lending so, it's best for me to avoid this method and just be content with holding and accumulation when the right time comes. Being patient pays off very well and everyone can speak for their own experiences just as how they've held.

If I am asked or asked to give an opinion about the loan investment, then I will definitely give a negative opinion on the matter. That is, I will never tell you to borrow and invest in Bitcoin. From actual experience, the results of taking loans are never good. There are many people around me who have taken loans and ended up losing their homes. 
Some of them may be very poor or have borrowed money from others to treat their parents or children but later when they are not able to repay the money on time the lenders seize their houses without getting their money and now they are living a very difficult life. I don't want that to happen to you. Do your own hard work and keep aside some money from that hard earned money and invest that amount of money and the investment results will be good for you.

That is true holding bitcoin really requires patience because if you are not patient you might loose what you have invested. There are people that are not patient when it comes in investing they do want to get back their investment the soonest as possible. I don't think i would give it a try it is very risky. Hodling and lending bitcoin have their own disadvantages and it would depends on your target goal and risk tolerance. Hodling strategy has worked well to many investors especially to those who have a lot of patience in waiting for the market to go higher for them to be able to take profit. Lending Bitcoin can provide a steady income through interest payments but this strategy comes with risks including possibility that borrowers had loss of funds due to hacking or other security breaches. As for me i would prefer hodling rather than lending.

If lending money to borrowers poses too much risk, it is advisable to require collateral as a condition so that borrowers cannot escape their obligations and can repay their debts in a timely manner. With this bond, the lending process can be less prone to fraud between both parties.

As for other options not mentioned, you might consider staking. Instead of just storing assets in a wallet and waiting based on price, it is better to engage in staking with the hope of gaining additional assets over time while waiting for the right price to sell. It is suitable for long-term investors.

You don't have to lend to centralized parties like exchange and other websites that lending can be done on before you can lend your Bitcoin, you can lend with decentralized platforms or through P2P. Holding Bitcoin is already a plan, you don't need an extra plans for that. You're certain to receive an increase in value when Bitcoin increase by just holding your Bitcoin in your personal wallets therefore you don't need an extra plan.

When you might need an extra plans is when you want to sell your Bitcoin, you have to plan if you want to sell your entire portfolio or saved some and keep them for more gains in the future. It'll be wrong to sell all your bags unless it's an emergency that needs urgent money.

Honestly, my take on bitcoin lending is that it can be quite risky. While it offers potential interest and an opportunity to increase your asset holding, there's always the chance of default or unforeseen complications. Personally, I wouldn't try it due to the inherent risks involved. It's better to be cautious with your valuable assets.

Granted, lending will bring us interest every month and can help us increase our net worth significantly, but the risks of lending are also great. I also would not choose to lend instead, I accept long term holding. While long-term holdings won't help us increase the ratio of assets, they are safer, and if we hold them long enough, the returns won't be so bad. The higher the profit, the higher the risk, the lower the return, the lower the risk, it depends on the choice of each individual.

I'd definitely HODL. Safer and more profitable in the long run. But please note that I'd change my mind if there would be a new safe way to lend your coins. Unfortunately (or luckily?) Bitcoin transactions can't be reversed and sending them to any custodial wallet/service means you're losing control over your coins and fully depend on the person/entity borrowing from you.

Both ways are risky and have their own advantages and disadvantages. In the market, if you’re to make more money you’ll have to take risk in order to achieve that. Holding a lot of bitcoin to yourself is to your own advantage when the market goes on uptrend, the more you have is the more you’ll gain more profit.

In the case of lending out bitcoin and getting them paid back with interest is  also a welcome idea as there’s certainty of increase in profit if the borrower pays back. If there’s delay in payment, you’ll only reap little profit with the bitcoin when the market goes on uptrend if  the borrower hasn’t paid back yet. The worst case of it is not paying back, it’ll make you lose more capital, a very big decline in trading. Both of them are risky and are worth trying.

Either lending bitcoin as a whole or even a portion of it, for me that is still too risky so I won’t even dare doing like that. It’s much better to lend fiat since the value is lesser unlike bitcoin that even if you lost a portion of it, the amount could be tenfolds to fiat. Instead, I will consider hodling even for 5-10 years. That may be too long but rest assured the value becomes huge and life changing.

There was no comments on the buying Bitcoin in the bearish season. It will be always great to achieve some good profits. And talking about the risk that is every where , where you want to invest there will must risk so no changes on Bitcoin investment. But for gaining quick profit or making some quick money by lending and investment on Bitcoin will never be wise decision. I see that many people are doing this some are lend from bank to invest on bitcoin but I think it will always be better that what you can efford to loose that should be your investment.

I've been holding for over 8 years, so don't expect me to tell you to do anything else, although it's hard when you're new to bitcoin and bought your first batch in the last 12 months.
If it makes you feel any better, bitcoin rewards patience and if you can't handle waiting 2-3 years, you should either fight it, or get rid of the burden before it burns you out.

There's 2 types of people who come to bitcoin.
The first thinks it's easy, they'll go all in and double their money in a year or less and then sell everything at a loss.
The second one thinks the same, but endures the pain and fear. Manages to stay calm and composed and hold until the next bull run.
Which type are you?

Not only needs but wants.  If the person wanted to increase his stash, he can do either trading or lending.  Both is risky but it is dependent on the knowledge of the person.  if a person wanted to have a sure percentage of return, lending is the best thing, though risky than trading, they can mitigate it by asking for collateral before they release the funds.

We know that there are people who would really be fastening up their pace on acquiring bitcoin on which instead of making it that passive, they would really be tending in to do other venture or ways for them to accumulate more.Yes, it is really that understandable that you would really be needing to take up some risks for you to earn more and this is something that would really be entirely be depending on someones risk taking.
There are ones who could really afford on doing so and there are ones who do just simply go to the other side of things which is less that riskier.

Its really that a matter of choice because not all would really be risk takers. This is why it would really be that so optional on which one you would really be taking.Lending is risky but considering getting that 5-10% interest per month into those who do take a loan then it would really be that significant specially if the amount would really be that making up some compounding thing.
So this would always falls down on your own preference when it comes to this choice on which it would really be that basing up on your risk management.

Riskier stake because you need to give your assets to a third party and need to choose a reliable platform, and in this market, no one is trustworthy but ourselves. I don't trust centralized platforms, and let's not forget what happened last year with lending and staking platforms like BlockFi, Celsius...So many lessons for us about leaving assets on centralized platforms whether it's storage or staking, it's all the same. In short, holding is still the safest solution for us.

It's true that all the longterm hodlers of bitcoin don't really make any income with their coins when they just store it their wallets, but they are also not losing any coins. Day trading for shortterm profits is the exact opposite of HODL investing and doesn't really suit most investors. There is a lot of risk involved with day trading, and we also need to spend hours analysing the market. It all comes down to how much return we are looking for, some investors are fine with the longterm profit from holding bitcoins alone. Others are willing to take higher risks in life for the opportunity to achieve higher returns. And then there are the people who are willing to let strangers work with their capital to make a profit from which they participate. This of course also can lead to big losses if the other person makes losses. For me personal lending out my coins is not so interesting and too risky, I prefer to have full control over my portfolio and trade some of my coins myself instead of letting someone else do it. It's similar to all the investment funds where we can give away our money and hope that the fund manager will make a big return for us. Or we invest some time and make our own analysis to trade for our own personal profit.

Embracing an excessively extreme anti-centralized platform stance, in my opinion, is not a wise choice. As long as your life remains intertwined with various centralized platforms, it means you still entrust a part of yourself to others. We are social creatures who rely on others, not just ourselves.

This context also applies to the business world. We will still require the presence of others to generate greater income. It wouldn't hurt to do a little research to find a platform with a solid reputation before deciding to entrust your assets to it.

Hodling in best strategy in a sense that you have full control over your holdings. Lendin is fine if your loan is backed by some smart contract. Real world loans doesn't go well in most cases as its now on lender to return or not. The only down side of Hodling is that it takes time and in case of bitcoin it gives good return. If I have to choose among these two then I would defiantly go for Hodling.

I defenitely keep bitcoin lending as an asset if you consider it like that. But this only remains under your control if you are lending from a platform that you have control over and not signing up on a website and staking your money there to join the lending pool. These sites carry the same risks as exchanges when you use them as your wallet.

I consider the P2P lending done on this forum as something that has a huge potential and while veteran lenders here have already a customer base built there is a rampant spam coming from newbies looking for a quick cash grab, which hurts their business.

Similar to this is the casino bankroll investment which is much lower in recently launched casinos.

Staking though, is something I dont recommend.

Hodling might took a lot of time for you to earn but if you were finding the safest way to not lose money then hodling is for you which is also I prefer. I still find lending not a good idea when it comes to industry even in the real world. Interest is given but the fat that you'll to think about it like " I need to pay my debt " mindset in every payroll. I would rather keep my mental health good than borrow money. Maybe if I see more cases about lending that sucessfully profited a lot then maybe I will reconsider.

I don't know the answer could be a long answer but the simplest version of my opinion would be like this

Lend if you want more money while hodl but it has minimum risk, tho it is considered as a risk. and you need a person to use your money. Default on loans is still a thing and problems like this will never be going away. and most bitcoin lending would be on centralized exchange.

Hodl if you have enough money and can forget the noise of the volatility and the purpose is for really long term not a profit in short term and you dont want to take any risk associated with lending activities

I would also choose to hold if I had to choose between the two because I have never liked to lend or borrow, even in real life. Furthermore, lending has a lot of risks involved, from losing money to losing our relationship or reputation.

But if you are interested in the form of a loan and want a higher level of security, a mortgage loan will be a solution for you. Besides, you should carefully choose the object that you will lend to will also limit some of the risks for you. In any business, there is always a risk, there will be no field that offers high returns and low risks. We need to make trade-offs if we want to achieve more.

Simply having Bitcoin and holding it is a risk in itself. Putting it on loan or getting it into a stake is stacking another risk. It is just a matter of how much can you tolerate with your risk appetite. Also, in my opinion, you are just basically being bored and impatient with profits for holding BTC. Because holding you requires you nothing to do something about it. And you want to do something about it. That is.

If you want to lend it, sure. Just take in mind its duration and credibility to which platform, exchange, or p2p you are going to lend you BTC

Even holding is the simplest, and if you can't do it. You are impatient and want to make a quick profit, and you use bitcoin to lend or stake. Sooner or later, you will take your bitcoins and invest in riskier things, and it is only a matter of time before you lose. Holding is the best and simplest way, we should take advantage of it rather than get rich quickly for a higher risk return.

After the scam scandals in the industry last year involving big platforms of the lending crypto business, many investors have become afraid of this business model and retreated their investments back to personal hardware wallets where they can have total control over their funds. It may be less profitable, since no passive income will be generated, but it's guaranteed to not be 100% scammed, anyway.

I believe lending would be a great opportunity only if there were guarantees for investors in case the platform went bankrupt. Unfortunatelly what we see for real is that authorities stay by the side of the scammers and their lawyers, completely neglecting the side of investors.

This is true, there is no seizing of funds in crypto world like banking and that's why it's a trouble. In the banking world the default rate is very low, and even when it goes high, they just take whatever you own as a response and that's a lot better for them, it's true and it will work. I believe that it's not going to be all that confusing and I think it's going to end up working for people as well. This is why I can't really tell you how it would not happen in the  crypto world because that's all about the law.

If a government allows me to do the same thing, I can open a crypto lending operation as well and lend people crypto, as long as they pay there is no problem and if they don't pay it back then I take their car or home, if that's alright then I can do that. Until we have that right, we can't lend easily in the crypto world.

Holding might be the best when it comes to fund safety, and this all depends on the hodler's spending habits. Many people, like myself, use the lending option because of some kind of personal decision-making problem.

Just like you have said, it's very profitable if you can actually lend out smart. The more you lend out with a little interest attached to it, the more you earn in profit than just holding in your wallet and wating for a bull run before you can calculate your profit. Lending holds a greater risk, but lending smart means you are lending out not just to a trusted person, but the trust will also be attached with a payment guarantee, which will be any form of valuable collateral that will be equal to or even greater than the loan amount. If you are giving out a loan in Bitcoin, it's always advisable for it to be calculated by the number of SATs given out and not the dollar value attached to it to avoid fully regrets.

I disagree with this one. I think lending is an art that is applicable to every form of lending; in fact, in the real world, lending is often preferred by many when it's done the right way because there are more means of recovering the loaned-out amount than there are when you loan it out online. In real life lending, you should always request valid collateral, for which an eyewitness will be involved to insure the authenticity of the collateral, and you can as well have a legal backup. It can only be considered risky if you don't take a proper lending procedure, and the borrower can deny even taking any loan from you if you don't actually have any form of proof to back up your claims.

If the person clearly understands what they are doing, understands and knows very well the risk factors they will face, they can consider lending their Bitcoin holdings as one way to increase their holdings, if they are not into this buy and sell scenario, trading activity or basically, don't want to ride the market volatility.

Of course, there's a risk that's why before considering, make it up to the point that we do realize everything from top to bottom.

If I have to answer it personally, I don't want to consider doing that. I won't jump into other things that I'm not really familiar with. It's better for me to focus instead on trading or doing regular DCAs if my budget can keep up with that.

I prefer to HODL my own coin rather to lend it to someone else, honestly speaking we are all aware that there are times that the borrower would have a hard time paying it up, so what would happen if you really need the money and the borrower really doesn't have the capability of paying it to that certain date?
It is better to have control on your own money and it also contradicts the most used phrase we used to tell the newbies on crypto "Not your keys, not your coin".

when you lend your coin, it does not mean you lend it to some one else directly. but you can use any lending platforms. They will be handle and responsible for the collection of installment the loan from the borrowers. so that if there is a possibility of failure then they will have their own mechanism.

I'm not too sure about loans to invest. investment cannot be determined by time, when we will really benefit from the investment we have planted, while loans are things that we must pay back when the time comes. I don't think this is a balance, if I had to choose I would not even invest with borrowed money because there is also interest to be paid. or better invest with a small amount that we can afford it.

yeah everything has its own risk including we live on earth is just a risk  ;D But Hold is simple thing than lending in my opinion I mean how many platforms nowadays that you can trust after a lot of things happen?

 

 
That is mostly what I noticed with those new investors who want to hold Bitcoin because they want to get rich overnight, which is impossible or possible if you get lucky. ow that people are really impatient, just a simple drop by the Bitcoin newbies are now panicking to sell it immediately, even losing as they are now scared. They really are not thinking long-term; they want the immediate effect and feel it immediately. Those people that are not impatient can really earn a profit. Holding is really the best; you just need to be patient.

Lend is of course a good and profitable option than hold, you could say Lend is almost the same as staking, when I first got to know cryptocurrencies around 2014 I actively lend bitcoin at Poloniex and at that time I could get interest or profit around 7% or even more per 6 months or more than 1% per month.

Centralized exchanges are also an integral part of the market, and we will not be able to separate from them, as long as we are still using fiat, we will still need exchanges to transfer exchange fiat and bitcoin and vice versa. But what I want to say is that we should use them for the right purpose, do not be too dependent and then regret. Exchange is for trading, buying, and selling, not a place for us to put our trust and store our assets. I'm not an extremist and am against CEX because I am using them too, but I also don't want to over-trust or entrust my entire security to them.

Besides looking quite simple, Holding also doesn't have any pressure or mental burden on the owner of his assets because he keeps it in a wallet that is considered very safe from disturbances of things he doesn't want. Running a job by any method and hoping to get rich quick usually won't make someone get rich quicker and some may even have to suffer losses because the risk is too great.

I also never thought there was a work method to get rich quick through any sector in this world because basically everyone who wants to be rich must have enough time to process and must also have certain skills within himself apart from having patience in waiting for results after trying. That is why until now I still prefer holding than risking my assets in any exchange.

There will also be different risks from lending, but this does not mean that they do not bring positive value to investors, which we can sometimes see as a playing field and the competition between issues. Different issues in the market will determine whether investors can survive. Thorough research and making sure you have a good understanding of Bitcoin's liquidity, risks and growth potential are always things to watch out for, and know the risks to limit them, and act responsibly own investment.

Hold would be everyone desire but it is very hard for everyone to hold since our source of income is very different. It is not easy to hold especially for those that are workers earning some amount of money as salary. They might choose to buy coin and discover that they can not hold for long because of daily bills they needed to pay and settles.

Your gaze finds an undervalued crypto corner - lending. Indeed, the crypto realm isn't all rosy, loans being the sticky wicket. I grasp your thought about crypto loans lacking the muscle to take collateral like traditional banks. However, let's duel: Crypto and banks are chalk and cheese. Banks have tangible assets backing them, crypto, none. Here's where smart contracts step in. View them as self-executing deals with the nitty-gritty coded in. Trustless, decentralized, akin to Bitcoin. If programmed adeptly, they could address your concerns. So,bBefore we say goodbye to crypto lending , shall we give these digital contracts a run? Time will judge their efficacy, but in this digital epoch, everything's up for grabs!

Current conditions are difficult to predict, making me prefer to hold rather than lend, as we know that big cases that occur on top exchanges such as FTX are important lessons if we store assets on exchanges, because most of the lend is from exchanges, so we have to be vigilant and hold on more secure wallets.

As much as profits is concerned, I think lending your bitcoin will only put your bitcoin at a risk, since it might not be return to you anymore especially if the person you happen to lend has lost his source of living. That’s why I always stay away from that idea. But with hodling, you know you’re doing it for a profitable purpose, so you will hold your bitcoin as much as you can until you finally take time to sell when you think the price is already reasonable enough to sell.

Online lending, in my opinion, is too dangerous. Consider this: you have one friend who knows you well, and because he has a difficulty, he borrows money from you with interest and promises to pay it back in 1 or 2 months. You want the money back with interest after two months, but because your friend still has a problem, he wants to pay the following time until he can't because the interest keeps increasing. How much more if you're doing it online and don't know the person you're dealing with? That is why some individuals do this with collaterals. I only trust loan services on Bitcointalk because their account should be their collateral, especially those who are well-known in the community.

This is actually right or something the real thing or fact in life on which if you do even have a hard time on asking on paying up those loan of your friend, how much more into those people who are online or which you dont even know? which you do have said the real thing on lending space. Here on this forum on which there are people who are really that getting some loans without collateral on which it do really
raises up the risks but somewhat those users or lendors are really on DT position thats why they are really that confident that on the time that a certain person or use do make out some default loans
then for sure those account would be useless as this would really be red tagged. This is why they are really that have some assurance but in overall it doesnt really remove out such risks
because anytime people would really be running with those loans and not paying them back.

Many things that are difficult to suspect in cryptocurrencies, a market that continues to decline makes us have to be good at looking for income opportunities, it is natural that when there is a small increase, people immediately sell, and in my opinion lend is better than hold because we can get additional income.

That is true to hold bitcoin is one of the major reasons why bitcoin enthusiasts hold it because of the appreciation of the value. It really requires a long patience in hodling a bitcoin regardless of the short term fluctuations of the market. There are a lot of investors who lacks of patience in holding it because they are after of the profit they might get and they would choose to buy and sell it to be able to gain profit. Others do lending also but for me it is really risky because if you are not expert in lending you might also loose your capital used to it. Whether to hodl or lend cryptocurrency it still depends on your investment goals and risk tolerance. Make sure to do research first before trying to do so.

You know the truth, what others here who have not yet accumulated potential altcoins should start now before the bull comes next year. Because once the Bull season arrives most altcoins will also rise even if we say it's just a pump.
But of course, let's choose the one that really has the potential to give us a good profit in the future so that the small amount that we bought is not wasted.

Lending do not guarantee profits especially if the one you trusted to lend your bitcoin suddenly became insolvent that makes him unable to pay. So the risk to lose your bitcoin becomes high instead of just hodling your bitcoin until it reaches your target price to sell. That’s the consequence of impatient people, those who only want to have quick profits and end up lose everything they have.

Lending bitcoin is not actually a bad thing as it may even increase your bitcoin profits in the future, but you should know its risks as well especially that bitcoin do not guarantee price surge all the time due to its high volatility. However, though it’s a good way to increase one’s hodling, but I won’t try to put my bitcoin at risk so instead of trying some attempts of lending, why not grow it on your own account. You can still benefit from it and double your profits if you have patience for long term hodling.

For the safety reason, I agree that it is better to hold our BTC in our private wallets. Lending the BTC on CEX may have a big risk if something happens to the exchange. Moreover, if the profits are rather small from the lending, holding it on wallets must be a better idea. So far, I also prefer to hold my BTC on my wallet than lending it or staking it. Not only about small profits to get, it requires high fees to transfer it from one wallet to another wallet.

It depends on your target. If you plan for a long term investment, holding it on your wallet should be the best decision. But if you only plan for a short term holding, you can lend or staking your Bitcoin. However, for additional income, why you don't trade altcoins? I think trading altcoins should be better than lending Bitcoin, right?

This is one thing to get scared about with these platforms. If you dwell into the history of these bitcoin lending platforms, you'll see that many of them eventually reported filed bankruptcy.

Having that impression with them will make you turn away from any of these types of services even if there's such a promising return upon payment with interest.

Holding isn't going to give you headache at all unless you're too impatient.

When you're prepared to take risk, then you can risk the funds. Lending through trusted services were good, but the interest were very low whereas the same on our own could give better interest, but to gain trust and do the service is a big thing.

When you're ready to lend, better take a step to learn trading which have got the ability to give you better earning. Here also there is risk, but the risk will give you some learning.

Holding is the best choice, but here we can't expect to enjoy profit or an earning on the regular basis. It could take weeks, months and even years. Depending on the growth will be the profit. However the risk is zero as we have our holding.

Even if the description of a lending platform is good, I'd still take precaution on it. We've seen the proclaimed safe platforms have turned into a bankrupt company.

Not just lending platforms but also exchanges.

That's why when someone is into this type of business, you understand the risk and it's not that lite risk but high risk.

All lending platforms worked fine until it went bust and took our assets. I don't believe there are any good lending platforms with what happened to BlockFi, celsius...As for lending, if we are willing to take risks, we can start anytime we want, don't use the word "safe" in lending.
I prefer holding, although it won't give the daily or monthly returns many people get from lending. But I feel safe, and the profit I get back won't lose to anyone.

Everyone thinks different from each other and they have different mind set but I think that lending is more risky because if you don't have any information about the other person you lend your bitcoin then it's something hard for you to earn money and may loss your money which you put into bitcoin.

Holding will be better because it enhances the chances of your success and whenever the price rises you have the opportunity to take your profit and continue your holding through putted amount. Investment is better in my opinion so all those who have more benefit in lending and trading can continue it but I will always prefer Investment and holding.

Yeah, those were good platforms before until they've been busted and filed for bankruptcy.

I also prefer holding.

I don't want to meddle with people that should have known their obligation for the payments. Because this is the number one problem into this business, you will never know the person's attitude towards paying you back.

Unless you've got a lot of screening process in doing so but normally, these people are taking loans from individuals because it's easier and they can charge higher interest rates.

I don’t see it a wrong move to lend your bitcoin especially if you have a lot of it. However, if you only have limited amount of bitcoin, then don’t take some risk lending it to an exchange or to someone who’s capable to pay for it. We’ll never know that exchange will suddenly become insolvent so your bitcoin will be instantly gone like thin air. The reason why I never get tired from hodling because at least they’re safe with me, than to lend and get some interest, and in the end you’ll be surprised you’ve lost your bitcoin in an instant.

That's right guys. Because there are big risks that we must be prepared to accept when we decide to lend our Bitcoins. And the interest received is not commensurate with the risks we face. So I also prefer to hold it and keep it safe in my personal wallet. And avoid storing it on a centralized exchange. Keep accumulating and holding on. that's all I think about if it's for long term investment. and as you said that as long as we hold it we ourselves it is easier for us to sell or take profits when the time comes.

Well it depends on individual’s choice. But as for me, bitcoin is too much precious to lend it even to reputable exchanges but instead, I’ll just hold it and keep it safe in my non-custodial wallet. Because the fact that all centralized exchanges are not safe for keeping your bitcoin, even if you are given some interest of it, then you should not entrust your coins to other wallet knowing once its out from your wallet, your coins will never be yours anymore.

I think this is very deadly to associate myself with especially we women that attaches much emotions to our finances it would be very hard to operate on. I truly respect those that are doing lending and I want to encourage them to add some certain measures to secure their money whenever it's being given out because I know what most people does, after taking loan they disappear you will never see them online for your loan to be repaid. It's better I limits myself with investment and holding of bitcoin at least I can afford to bear the price drop than losing it entirely to the hand of a user who claims to be a cool person.

Yes, make sure to think carefully before making a decision to lend Bitcoin,
the big risks are of course a consideration so don't let us regret what we decide for ourselves,
it's better to keep it yourself in your wallet and it's safer.

That is why it is so important to use only spare money when you want to invest in Bitcoin as well as money you can afford to lose.
Lending our Bitcoins on a centralized or decentralized platform is quite a risky action, the opportunity to lose our investment is wide open, not only the possible profits, I might do the lend but only for a short period not all the time while waiting for the Bitcoin price to go up because the platform can suddenly go down and we lose all our Bitcoins.
Keep it in a self-custodial wallet and continue to buy when you have the opportunity to add to it when there is spare money that can be used, using the DCA method can be an option when we are not like the whales who can immediately buy in large quantities.

Don't lend, you keep holding with your money. If you are holding in Bitcoin with your hard earned money, you can earn more money. And when the market is pumping you can make more money. If you unknowingly lend your money to a scammer, and the scammer runs away with your money, how do you catch the scammer? And how do you get your money back? Then you may not be able to bear this loss. That means you don't put your money at risk by lending it to a stranger. So you continue holding Bitcoin with your hard earned money.

Reading the replies, most of us prefer to just hold rather than lend our Bitcoin. It's understandable since we're just protecting our investment to what's more wise thing to do that won't give us much stress.

Well, lending might be profitable but the risk of not getting back what the borrower owe to you is always there. It's happening in reality so what's more if it's just happened online? Much harder to get your money and worst if you don't know its identity. That's why if you don't want to face such problem, just keep holding your Bitcoin and wait until bullrun so you can gain even it takes time.

If you lend money, it's up to you and I don't see anything wrong with that, especially if the person you're lending your hard-earned money to is someone you trust and know, and there's only a risk when it's someone else and you don't fully know known And of course I won't do that.

The money you lend should also be separate from the money you will use that is only intended for you to buy Bitcoin for long-term and not short-term, so that at least the person you loaned to runs away from you, your Bitcoin is separate from it.

Everyone who invests in Bitcoin has the hope that they will benefit from the investment, but no one thinks like this, that means they are investing in Bitcoin with the thought of everyone, that is, to profit. But investing in Bitcoin by taking a loan in the hope of making this profit is very risky and should never be done. Because investing never guarantees you a profit, only creates the possibility of a profit. Investing by taking loans will act as a very stressful time for you. If you are really interested in investing then you should start investing with whatever amount of money you have then when you have money you can gradually increase your investment but never invest by taking loan.

So far, I still prefer to hold the asset myself rather than lend it. for me, lending has more risk, especially when I don't know people on the internet. Except it might be people I already know and trust. It's just that, I'm more inclined to take advantage of the assets I have at my own risk. for example, if I'm feeling too long with an asset I hold, I might try trading to multiply the asset I own rather than lending it to someone else at interest. Anyway, I'm more comfortable that way.

accumulating bitcoin is not an easy task and everyone cannot afford it because its expensive nature. I think those who cannot accumulate on monthly basis should try to buy once and then don't sell it immediately because longer time holding can give you more benefits.

Storing bitcoin in safe wallet is also very important because these days we don't know that how a hacker steal our bitcoin in a matter of seconds so try to save your bitcoin if you want to hold it for longer period of time.

Be it online or offline, lending will never guarantee profits. Especially if a certain exchange suddenly gets bankrupt, the fact that all centralized exchanges may experience that, then you will never retrieve your bitcoin anymore. It’s like you are putting your hard-earned bitcoin into a waste, and worst is you are not benefiting from it but only the centralized exchange. That’s the reason why I don’t see bitcoin lending a profitable one, and I’ll never advise anyone to resort on that.

One thing with lending bitcoin is that, it's not possible to lend bitcoin without a centralized authority In between the borrower and the lender, and personally, with all I've experienced with centralized platform, it's actually a bad idea to lend your bitcoin out though such a means.

If I become a professional at lending, and have a good amount of bitcoin to start with, I can agree to lend my bitcoin if it's on this forum, but anything outside this forum, I would rather hold my bitcoins and lend it out.