Bitcoin Forum

Saw pythonista's post, "It's time to earn interest on Bitcoin holdings"  url https://bitcointalk.org/index.php?topic=774109.0
Thought some of you might want to know Chinese exchange markets' movements in this direction.

Holders like me have several choices to invest bitcoins now:
Huobi's BitVC (or YuBiBao in Chinese), OKCoins's BiShengBi, and ChinaBTC's JUA. All of them are from top exchange markets in China.
Personally I recommend ChinaBTC's JUA, at about 0.025% daily interest for current deposit, 1.3~1.4% monthly for fixed deposit (not available now).

URL http://save.jua.com/

In Chinese, JUA(聚阿) means collecting and saving treasures. Now it has more than 30k BTC savings in all.
You can click top corner flag to change the webpage language to English.

For other top exchange markets in China, there are also OKCoin's BiShengBi (Means more btc generated by your saved btc.) But currently it is not open to public.
And HuoBi's BitVC  at about 0.013% daily interest for current deposit.
 
URL https://www.bitvc.com/

PS I don't work for ChinaBTC/Huobi/OKCoin, but I managed to get some btc income everyday last two months without staring at candle sticks charts, or enrolling in a signature campaign and count posts.
Actually the interest rate is not always constant, for example last week BitVC's rate is between 0.0126 and 0.0176.

As a BTC believer, the rise and drop of BTC price is not a big deal for me, as long as my BTC is keep increasing.
I now have income from both JUA and BitVC every day, JUA being easier to use and with higher pay back.

BitVC and JUA also have fixed deposit, with higher interest. But they are only available occasionally, and sold out very fast. The last time of BitVC's fixed deposit (VC finance) the interest rate is 1.2% monthly for 60days, JUA 1.3% monthly for 30days.
On the website I saw many investers IP (partially masked) are from outside China, including Australia, UK, US, Spain, Canada and Thailand. Many invested dozens of bitcoins in BitVC (with 50 btc max limit) and hundreds in JUA.


These markets' movement actually resembles Ma Yun's Alibaba Yu'e Bao, which went viral last year and raised $90 billion in just ten months.


Just to share some opportunities in China. :)






======================
This thread have so many views and replies, much more than pythonista's original post. This is beyond what I expected. So I guess I should finally update it...

[Edit 1]
Why do these websites offer interest while Bitcoin is not inflationary currency?

This is my opinion:
Apart from reasons posted by others, I think another sound one is that if the companies are big and have enough money to burn, they might just want to do this to gain more attraction and users. This is like what many B2C, SNS and IM service providers did when they were in early stages. You might once asked yourself, why are they selling at such a low price, not even covering manufacturing cost?
Loyal users are the most valuable asset to any website/company. When Internet started, the number of clicks is what every website craved for. It is still true now. More loyal users means more trust, reputation, traffic, and eventually more money.

Bitcoin in China is new. But the competition here is fierce.

An early and strong start means huge advantage. Just plain old Matthew Effect.

Take Jua.com for example. The company that owns Jua.com has ChBTC.com (ChinaBTC Exchange),  BW.com (cloud mining) and 8R.com (P2P lending based on BTC mortgage) behind it. BTW, I think those domain names alone cost a fortune. JUA users are more likely to use these services over others just because of trust and convenience.  

Consider Youtube's counterpart in China Youku.com, Twitter' s counterpart weibo.com, and Amazon's counterpart JD.com. These are already very big brands in China for years, and they are still burning VC money and struggle to seize users and the market. I don't think currently there remains much opportunity for new starters to build anything like Youku / Weibo / JD in China and succeed. Admittedly it is still possible, but it's extremely unlikely to happen.

Yes, giving away BTC as interest is a loss of money in the short term. But in the long run, it is hard to say.
If Bitcoin turns out to be a business of decades or even hundreds, this move of offering interest is a brilliant strategy to boost user number and gain reputation, as long as the company behind it is not just scam. This is the homework you should do. It's might be much cheaper than buying TV / Website commercials, or hiring more sales / promoting staff. Meanwhile, users get maximum profit from the company's offers, because in this way there's no middle man.

Additionally, more coins deposited means less coins dumped into exchanges and shorting leverage, which will contribute positively to btc price. Believers and HODLers will surely benefit from this.

So personally I think this way of gaining new users by offering interest is both understandable and justifiable.



[Edit 2]
Many have pointed out that the interest is too high to be true. I don't think that's ridiculously high.
You get 0.025% daily * 365 = 9.125% yearly. That's about 11 BTC generates 1 BTC/year.
For comparison, in China the typical interest of Internet P2P borrowing/lending is 8%~18% yearly.

I did not know, that you can earn interest on bitcoins. ^smile^

So is this like a bank or a loan shark operation? How do they get the money to pay out my interest?

Sounds like very good return for your investment.

Reserved

You have right. This is only ponzi. You can lost all very fast. This site making only for earning money to owner.

right now only chinese exchanges offer interest?

Additional evidence to support the theory that some Chinese exchanges are engaged in fractional reserves.

protip: a bitcoin IOU is inferior to a bitcoin.

As many people say around here if you don't have your own private keys you don't have any bit coin. Bad business practices and outright scams make it tough to trust anyone other than yourself.

Good to know.
This is relatively easy money for us, I'll give it a try for 0.x btc.

OP should also notice/correct the "1.3~1.4% for fixed deposit" is monthly interest not daily. That 0.025% is daily though.

No,  some others in other countries offer as well.

All of the investments carry some level of risk, including bank deposit. I support such kind of investment earning BTC interests, unless you can control you risk and tolerate losing all your investment.

Right, benefit always comes with risk. Totally riskless means no income at all.

really thanks.

Where can i find a list?

Yes, you are right! 1.3~1.4% is for month interest.

Not worth the risk of having your coins vanish because someone is having technical difficulties. "We are having technical issues but are working around the clock to get it back online" = You have been goxxed and made some Chinese scammers rich. 

Who is going to risk all the Bitcoins he have, for the sake of 1% per month interest? The only established player offering interest on Bitcoin holdings is Vircurex, although their rates are not constant. I am having an account there, but I never hold any coins as Vircurex is not a safe holding place. It was hacked multiple times in the past.

Thanks for letting us know but I'll stick with my coins being under my control and not getting pulled in to elaborate scam.  Good luck not getting Gox reloaded for all your coins bud.  I'll be the fool who works and buys/holds his coins while you are praying your not getting backdoor'd by some shady exchange, offering deals that are more then likely to good to be true.

I thought the interest in BitVC was annual?

so, until now, all the exchanges that offer interest can not be trusted?

I've tried earning 'interest' a couple of times. I've failed each time.
They say the best strategy for BTC is 'HODL',  and this should be taken literally as 'HOLD AND DON'T LET GO'.
Anything else is putting your BTC at risk and long before you have gained anything from the interest (as in, your original investment is back in your possession and you're still earning 'interest') your BTC will be gone.

I am going to try this along with holding and other methods like doing loans at BTCjam and so on. Also, at times as well as odd loans here too.
I love bitcoin and trade up from other coins at times into btc and add to my btc balance.

Did some background research... seems that ChinaBTC is ok. Trying 0.5 btc for a start. Will keep you guys posted.

Only safe place to hold long time is your wallet with a backup on an offline computer.. but you never get rich that way (or at least not fast enough lol)

What kind of gains monthly one does expect with that? Im considering 0.5 as well. Im still scared that they run with the money some day, they get seized out of fucking nowhere or "a hacker" (potential inside job betrayer) fucks us up. Gotta risk to win i guess..

With each benefit comes a risk.

0.5 BTC will be my test drive. I'll get 0.025%*0.5 everyday for as long as my coin is there.

I've also researched other interest earning btc websites, www.mycoin.hk for instance, seems not so safe.
But for ChinaBTC (JUA) and Huobi (BitVC), they are probably ok. If they try to run away, their CEO, who are NOT anonymous (actually quite famous in China), and anyone related, will end up in jail.
Thousands of Chinese investers have thrown their coins there. Chinese Gov won't let a scam like this big to happen, not without heavy punishment.

This is one of JUA's previous event (07/2014), a "fixed deposit" one described by OP.
There have been 6 similar events.
The BTCs have been returned to investers, with 1.4% monthly interest paid everyday.


Monthly interest1.40%    Cycle 30day
      23:51:32 1**2 - ฿5.00 ฿3228.99933
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    22:11:21 我**9 1GEZNHu8iR2KpKdrrLZzsS5uPouwnim3i3 ฿0.1389 ฿3124.38901
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    13:55:25 羡**7 - ฿0.01 ฿2022.59432
    12:01:52 q**m - ฿102.39 ฿2022.58432
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    10:54:35 5**m - ฿0.01 ฿1909.76642
    10:52:29 3**m - ฿0.01 ฿1909.75642
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    19:53:41 1**8 - ฿0.23 ฿1489.8973
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    12:29:42 f**m - ฿10.00 ฿1406.8873
    12:27:23 y**m - ฿0.05 ฿1396.8873
    12:20:28 2**m 1ZedUg4QF822Htn12iTnzvNvGnYmCC1Zp ฿20.299 ฿1396.8373
    12:13:06 g**2 - ฿10.00 ฿1376.5383
    12:05:13 b**w - ฿8.15 ฿1366.5383
    12:01:53 1**m - ฿0.44 ฿1358.3883
    11:52:38 q**m - ฿105.50 ฿1357.9483
    11:49:25 小**8 - ฿5.00 ฿1252.4483
    11:48:08 1**2 - ฿4.00 ฿1247.4483
    11:36:08 s**t - ฿0.10 ฿1243.4483
    11:34:56 1**0 - ฿0.50 ฿1243.3483
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    11:14:03 e**1 - ฿0.95 ฿1221.8483
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    11:04:11 1**9 - ฿0.09 ฿1205.8984
    10:53:46 4**m - ฿0.50 ฿1205.8084
    10:52:56 4**m - ฿72.00 ฿1205.3084
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    10:46:29 羡**7 - ฿6.62 ฿1127.7884
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    10:01:01 1**0 1Mtsx1uwauPoq1aZniuvW1Q5L6VucLFU7s ฿100.00 ฿973.5184
    10:00:18 1**6 - ฿20.37 ฿873.5184
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Vircurex is a huge scam, they freeze users accounts all the time without explanation / valid reasoning, and no way to reclaim the coins. Also very poor security.

@BTCduke, seems legit, but how does it work, do you have to send your BTC to an address they give you and that's it? You generate interests monthly?
What benefits would you get getting now vs people getting later? Do you get any extras or will they slow interests for everyone as it keeps growing as BTC becomes more mainstream?

Yes, the website generates an address for each account. It confirmed my recharge after 1 confirmation by bitcoin network.

Interest is calculated and distributed to my account everyday after 12:00 Beijing time.
Both my current deposit and interest earned can be withdrawn any time. I've tried this a couple of times.

I don't see any benefit difference between getting now vs people getting later, all 0.025% for the moment.
But the interest rate CAN fluctuate. My guess is that they would slow interest for everyone as it keeps growing, as BTC becomes more mainstream.

Actually I know that there's only two times JUA raised daily interest to 0.1 and restored back to 0.025.
First time it was the opening of the current deposit service. The second one was to promote the website recently during Mid-Autumn Moon Festival.

This is one problem with bitcoin. It is very difficult to invest your money without taking on serious risks.

Nope, it's calculated based on every 10000 coins per day.

Got my interest last two days, the payment is ok.
Added investment to 2 BTC today. Expected daily interest is 0.0005 BTC.

The chinese bitcoin exchanges do not charge any fees, yet they do have expenses. In my mind this means that they are taking money from customer deposits to pay for their own expenses. The fact they are paying interest on deposits to give incentives to people to keep their bitcoin at the exchange only furthers this theory; I would stay away from chinese exchanges.

Chinese exchanges income

Fiat withdraw fee: ~0.4%
Venture capital by big investers: ~10 million for exchanges like Huobi/Okcoin/BTC China
Fee for futures trading using leverage
Fee for borrowing BTC, this is generally where the interest of deposited coins is from
And others like Ads

.4% is very small and would likely barely reflect the cost their banks charge for sending the money from their bank account.

For the interest, their customers will not necessarily borrow all of the money that is available but interest will be paid on all bitcoin deposited so they would be at a disadvantage from the start with this.

Even if they have money from VC, this does not mean they have money to burn. The VC investors will likely expect them to be profitable so they can ROI on their investment

I don't think top Chinese exchanges are just scams. If they need to rely on taking money from customer deposits to pay for their own expenses, how do exchanges like BTCChina that does not offer bank deposit services survive and thrive?

All exchanges take on customer deposits. This is the money that customers send in order to trade with. Even if the money is not earning interest it is still considered a deposit if it is held at the exchange

I don't think this would coveer the expenses of the exchange. The .4% for withdrawals is likely to prevent people from wanting to take fiat out of the exchange. The interest spread will only be profitable if enough people utilize margin trading. The interest paid on deposits get people to want to keep their bitcoin at the exchange.

As much as this does seem like a good idea I always have my doubts about anything like this and would rather hold the bitcoins myself rather than attempt to do anything like this and end up more than likely being scammed.

Free BTC 4 every1 !!!!Free BTC 4 every1 !!!!Free BTC 4 every1 !!!! :P 8)

Still not convinced, but still want to find a way to create money with 0 effort like rich cunts do. Any ideas?

Provide a bankroll for All-Dice, people are waiting to bet

Interest on bitcoins? You know that they are under no obligation whatsoever to pay you anything, right?

Wow!  Had never thought of that!

1) go back in time
2) invest/mine btc
3) buy houses and rent them
4) create business and pay your workers a missery
5) you are now part of the 1% living the life doing shit nothing

Yeah, check out this infamous thread. https://bitcointalk.org/index.php?topic=621654.0

Just to update my investment status. So far everything is good. Investment added another 1.8 BTC.

After using ChinaBTC's service for a while, I noticed jua.com (for earning BTC/LTC interest), 8r.com (for Mortgage lending), and bw.com (for cloud mining), are all subsites of the exchange. I think those short domain names alone may cost a fortune.
But the i18n of these websites is not very good at the time.

You can get interest on your bitcoins on BitFinex. The rate is usually not that great (around 2% yearly), the rate goes up and down with the demand for shorts.

I have gained a few bitcoins from doing this but during some volatile times.

Your bitcoins are fairly secure since BitFinex has been around a few years and they are making money without any scams. But you have to weigh the risk that you do not hold your own bitcoins in exchange for a very small interest rate. For most it is not worth it. BitFinex could close the doors tomorrow and you'd be screwed.

Way to go, dude! LOL ;D ;D

Invest in small or medium sized companies after you've done your due diligence, and receive dividend payments in BTC. There are no shortcuts.

They're betting that Bitcoin will go down. That's been a good bet for the last 9 months.

No, they are giving people incentives to have bitcoin be on deposit with them. It is widely speculated that they are stealing parts of customer deposits to pay for their expenses and paying interest on customer deposits makes it easier for this to continue for long periods of time

I also had the same concern. So I kept on tracking their cold wallet balance.
Up to now, everything seems normal and legit:
10741.99002001 BTC

https://blockchain.info/address/1CyAr95iiyPMDEfe48NZGQti3BSSwBsUsw
https://blockchain.info/address/1Zz1iN9QaxaiBM735nQLRGxtV46cWqWxT

Bitcoin billionaires should open some free sites to gisome Bitcoin to new users....

1.3 to 1.4 percent per month is quite attractive. That translate to 15 percent per year which is much better than any conventional fd offered by bank. However that still quite a risk to take to trust anyone with your btc

In other words ,you suspect them of being a ponzi.

Not surprising.Anything that offers ridiculous compounding interest  such 0.5%(or higher) daily is most definitely a scam.

Just because they have money in their cold wallet does not mean that they have enough to cover all the customer balances nor that they will not run away when the total customer balances get large enough. All this means is that a lot of other people trust them with their bitcoin

FRACTIONAL RESERVE BITCOIN BANKING?

That sounds like a very bad idea!

That's the reason all the world's fiat currencies are about to go over the cliff.  Do we want bitcoin to follow?

Might as well deposit some of my coins. These days, it's not easy to HODL. Keep me away from selling at this low price.  >:( :'(

Who said it's fractional reserve? Most exchanges have proven their reserves. And their rates are perfectly realistic to me.

It is not a question as to how much the price of bitcoin is, it is a question of the dollar value of all the bitcoin that is controlled by the exchange. If bitcoin is now trading at $300 but an exchange has 10x as much bitcoin in their control then the exchange would make out better by waiting to gain confidence

Which exchanges are among these 'most', and in what manner have the proven their reserves?

I believe the only exchange that has proven it's reserves is coinbase however this was only "proven" to one, trusted person and is not 100% certain their reserves cover all the customer deposits.

How to go back in time?

This is all scams one way or another, don't trust ur bitcoins with funds/loans/contracts etc.
My advice.

I read in the news that most top exchanges from china have proven 100%

For example.
http://coinbrief.net/bitcoin-exchange-okcoin-full-reserves/

Well, this is soo dangerous. If you really want to lend some money and are willing to take a huge risk, you could try lending your FIAT money on Bitfinex. People will lend from you in order to trade with leverage, and the system is supposed to make sure you get you money back, because if their investment is about to fail, it sells the Bitcoins at a certain cutoff point. Every other interest paying service is most likely a Ponzi scheme in my eyes!!!

Investing in BTC is also a big risk, or even a gamble, isn't it?

Maybe it's about time to consider changing to staking where you can get interest for your holding. Seriously with the stash I'm hoarding right now basically can't do anything except sell at a loss. But that also won't convince me to entrust the stash to someone and earn interest.

Everything that has to do with cryptocurrencies is a huge gamble because we are still so early within the game.

So, anyone figure out how to earn BTC interest from a reputable source?

You can earn interest on bitBTC which follows the price of bitcoin.  It's one of Bitshares-X's bitassets, and for some reason they call it 'yield' instead of interest.  It comes from various transaction fees.

Perhaps. But you also expose your stash to a potential hundred percent loss.

If someone else maintains the private key to 'your' Bitcoins, your claim on those Bitcoin is revocable.

1.1 to 1.5 percent per month is quite attractive.

However that still quite a risk to take to trust anyone with your btc

A steady 1% every month? Sounds a little like Madoff... As good as that sounds, I'd rather not do something like that.

I hope it was that high. But it is ~0.75% per month.

Its funny see this kind of ponzi...

At last, the only winner its the owner.

This "interest" is paid by actual borrowers for the privilege of using your money for leverage. The interest rate is also market driven and not paid for directly by the exchange. The exchange also has risk controls in place to prevent potential losses to lenders

Surprised that nobody mentioned this article:

http://www.coindesk.com/coinarch-brings-investment-banking-products-bitcoin/

Many have pointed out that the interest is too high to be true.
Personally I don't think that's ridiculously high.
You get 0.025% daily * 365 = 9.125% yearly. That's about 11 BTC generates 1 BTC/year.
For comparison, in China the typical interest of Internet P2P borrowing/lending is 8%~18% yearly.

I'd rather just hold my coins..n gamble a bit with em'! informative post anyways!

So is it advisable if I invest my coins to a bitcoin betting site?

A friend of mine told me he has more than 20 BTCs in Chinese exchanges to earn interest.

Anyone else have tried their service?

The whole concept of interest makes only sense if you have an inflationary currency. Bitcoin has a fixed maximum monetary supply. So it's wrong to expect interest, unless you assume that fractional reserve banking (essentially fraud) is taking place.

Therefore I advise caution when someone offers interest on Bitcoin deposits without offering a plausible explanation. Why do these exchanges offer interest? Why do they need more deposits?

Apart from reasons posted by others previously, I think another sound reason is that if the company behind these websites are big and have enough money to burn, they might just want to gain more attraction and users. This is like what many B2C, SNS and IM service providers did when they were in early stages. You might once asked yourself, why are they selling at such a low price, not even covering manufacturing cost?
Loyal users are the most valuable asset to any website/company. When Internet started, the number of clicks is what every website craved for. It is still true now. More loyal users means more trust, reputation, traffic, and eventually more money.

Bitcoin in China is new. But the competition here is fierce.

An early and strong start means huge advantage. Just plain old Matthew Effect.

Take Jua.com for example, the company that owns Jua.com has ChBTC.com (ChinaBTC Exchange),  BW.com (cloud mining) and 8R.com (P2P lending based on BTC mortgage) behind it. BTW, I think those domain names alone cost a fortune. JUA users are more likely to use these services over others just because of trust and convenience. 

Yes, giving away BTC as interest is a loss of money in the short term. But in the long run, it is hard to say.
If Bitcoin turns out to be a business of decades or even hundreds, this move of offering interest is a brilliant strategy to boost user number and gain reputation, as long as the company behind it is not just scam. This is the homework you should do.

Consider Youtube's counterpart in China Youku.com, Twitter' s counterpart weibo.com, and Amazon's counterpart JD.com. These are already very big brands in China for years, and they are still burning VC money and struggle to seize users and the market. I don't think currently there remains much opportunity for new starters to build anything like Youku / Weibo / JD in China and succeed. Admittedly it is still possible, but it's extremely unlikely to happen.

Additionally, more coins deposited means less coins dumped into exchanges and shorting leverage, which will contribute positively to btc price. Believers and HODLers will surely benefit from this.

So personally I think this way of gaining new users by offering interest is both understandable and justifiable.

Define invest. If its pure gambling the coins... then not.

If you hold bitcoins dont give them to exchanges or people to earn interest its a scam.

If you want to earn interest you can buy bitbtc using bitshares its decentralized so you hold your keys. You earn interest the longer you hold the more lucrative and you can always go back to btc

Bitcoin is inflationary as additional bitcoin is created every 10 minutes and will continue to be inflationary for a good ~100 years (depending on how quickly the difficulty rises).

The reason that banks are able to pay interest on deposits is because they are able to invest a percentage of deposits in loans to other customers and has nothing to do with the positive level of inflation

I dont think you get how it works.. in the end you have to inflate.. you are creating IOUs for future work.. future work will be paid by future labour, thus creating inflationary environment.

Getting rid of IOUs will mean you pay for what is needed now, thus it is priced in NOW instead of later. Is it a good thing? Might set us back 10 or so years to start, but in the long run certainly more stable option...

The rout cause of inflation is a higher amount of money supply in the economy (although this does not always cause inflation). If there are more bitcoin available to be spent then there is a chance that inflation will occur.

The fact that people are able to receive work in exchange for work later does not in itself cause inflation, plus loans are available in the bitcoin world although the lending market is much less efficient then the fiat based lending market

The borrowing rate for banks is different than the borrowing rate for you and me.. thus banks make the difference.. higher inflation will affect rates thus affect lending rates.

Bitcoin supply is consistent and known but fiat supply is not thus makes for a more less stable environment. The money velocity is used to understand fair market value of the currency based on supply metrics. Based on bitcoin and its volume sold on exchange looks fairly undervalued here.

And its not wrong to expect interest with bitcoin because bitBTC in bitshares makes it possible without any fractional lending or gimmicks.. its just the fees that are accrued over time are paid in interest to holders of assets like bitBTC about 15% per year currently.

Interest on deposits today and crypto interest are totally different.

These two lending markets are not comparable since BANKS DO NOT LOAN OUT RESERVES (http://www.forbes.com/sites/francescoppola/2014/01/21/banks-dont-lend-out-reserves/).

Furthermore, all bank notes are not actually money.

The people are the sponsors (https://groups.yahoo.com/neo/groups/WethePeople_Shareholders/info) of all the money of the society (http://understandingcommerce.weebly.com/money-explained.html).

The real culprit in inflation is an unconstrained central bank. Since central banks are created or enabled by governments, the real culprit in inflation is government. In turn, inflation cannot be controlled unless proper government, which really means proper law, is instituted and respected.

yes bet all in.

Interest would be nice!

Imho those companies are lending these coins themself - for example for margin traders.

Why do you think they are keeping the bitcoins/ burning them for publicity or anything.
If you take a guess, they might be investing with your bitcoin and earning more than they are paying you. Don't you think return more than 10% is possible if you invest carefully.
They even have advantage, they can use bitcoins as they like and don't have to fill any obligations or govt. Regulations.

there alot opf shit talk here , but for any one in the future reading this

atm

BTER.com and MCXnow.com both offer interest on deposit (1%)
it a marking to get user to use their site. they pay a small amount of interest from the fees the exchange make

other then that , you will have to hold POS coin 

Bitusd is the only real choice... And mcxnow.com is not good right now

thanks for pushing more personal view and bullshit ..... BitUSD is not a exchange or bank that pay ...... it just another investment you have to buy into

yes mcxnow has close down , but bter still pay interest on BTC and a few other coins 

While the idea seems nice, I'm not sure if it is actually a smart one. By sending your bitcoins to such a site, you are betting against the possibility that they will not get hacked, "hacked", or turn out to be a scam. I'm not sure if taking such a big risk would be worth it for just a ~10 percent annual gain. If the site disappears with all of its users' funds, then you will lose 100 percent of your initial deposit.

Also, doesn't Bter also offer interest for Bitcoin and altcoins as well? I've never heard of all those other sites mentioned in the OP before but I think Bter is quite trustworthy. That doesn't mean they can't get hacked though. And there is still a non-zero percent chance that they could suddenly disappear without a trace. Heck, I remember when they nearly went bankrupt when a hacker made off with 50 million NXT a couple of months ago. It could happen again.

(That being said, I might put a small fraction of my bitcoins into such sites just for fun. But I definitely wouldn't recommend investing all of your bitcoins there.)

Bitcoin transactions are NOT reversible. When you send coins to an obscure third party to earn "interest", the following risks are all present:

1. They will shut down and disappear with your principal
2. They will slow-pay or no-pay your withdrawals
3. They will get hacked, or claim to have been hacked, and lose all your coins

Also have to ask yourself how any site can fund unrealistic rates (i.e. 2.5% per month) without running a pyramid. Do they have a magic cash machine? Probably not.

The best interest you get is from holding your Bitcoins in your wallet.

Keep them there and enjoy seeing your coins gain value over time.

Which also happens to be the safest solution.

It is the safest option if you secure your wallet well.
Cloudmining is an option too.

I love it how ppl like your self recommend Bullshit and also have HUGE sig with referral links ???????

Participating in a signature is good for Bitcoin and for the forum :)
What is your advice? Invest in just-dice?

Buying cloud mining contracts is generally a -EV investment as the prices are almost always higher then what you can expect to earn if you assume reasonable difficulty increases. Plus you are running the risk the cloud mining company is a ponzi and will run away with your money

I agree with the risk (obviously) but right now the difficulty is stable or decreasing and cloudmining contracts at 0.0011/GHS and low maintenance give a ROI of 30%/month so they will likely ROI (if the companies stay alive)

See my sig for an indication of the price you are paying in return.

True. Most sensible thing to do is just to keep the btc safe and most probably the value will be up someday. For few percent interest, I don't think it's worth the risk to have everything lost.

Just want to say, if you want to leave your bitcoin under your control, be careful, no one can be trusted

Chinese exchanges are rumored to be running on a fractional reserve system and pay interest in order to encourage their customers to hold more bitcoin at their exchange.

The longer you continue to hold your money at those exchanges the greater the chances that you will not be able to withdraw from them on a permanent basis.

1.68% daily interest try this ► https://www.btc-i24.com/connect-sharfudeen

Thats probably a scam scheme. 1% daily guaranteed is highly unlikely to be legit.

If the owners of the third party business are known, they should be afraid of getting sued or chase down.

i'm earning since december -_- it works fine, and their customer support also too good ;)

I wonder what they do to have that big interest, selling drugs or weapons? Sure they got to if it is not ponzi. My advice is to get a hell out of that investments, they will last untill they dont dissapear with coins.

Is this another MyCoin?

Wait? You can earn interest on BitCoin? How is that?

It is ok to invest a small portion of your holdings if you feel like it but you need to understand the risks.

Only if you invest it somewhere. Since its not POS so you can't earn just by keeping it.

How much you can earn there?


The site tommorow will collapsed and you will be scammed :P

Bitfinex also allows you to lend on margin, right?

9% per year?
That is sooo good since they have good gaurantee to provide us

EDIT : assurance not gaurantee
Do they have any gaurantee?

The problem with earning interest is the anonymity of bitcoin control. There was a company advertising on this forum that offered big interested, daily, for savings and they paid as promised for two weeks and then they disappeared...with everyone's holdings. Unless there are links to what holdings are mine and protection for me (or any of us) the interest paying opportunities won't be successful. There's way too much risk.

Do you have money with this firm? How long have you been using them?

It's so tempting but the math just doesn't work out. It HAS TO BE a ponzi scheme. There's nothing this company can do with our bitcoin that will earn them 2% or more per day, enough to pay off what they're promising.

Site still stands and i'm getting my interest finely :P

:D yup still i'm earning my interest.. i'm using this website for the last few months.. my friend got more than 1.5BTC from her 79 referrals only. I  don't know how to upload  pic in this forum for the proof. i think they might not be a ponzi scheme. you may give a try to this website.

yes. You lend to the site and they pay interests.

More details in the finex site

9% per year is not unreasonable in the bitcoin world. If you are giving loans in the lending section, you can easily earn ~10% on a loan that lasts no more then 2 weeks that is secured by collateral

DO NOT HOLD YOUR BTC ON THIRD PARTY EXCHANGES – BE YOUR OWN BANK

https://bitcointalk.org/index.php?topic=945881.msg10358313#msg10358313

Knowing their office and all is pretty good and really helps to ease the tension in mind but there are always chances of hacking , so for just 9% a year , keeping btc in exchange , i think i will pass since i just read this


Nice thread man!

That's a nice way to , you always have collateral more than the value so you always win
I think i shall start a lending service :-\

I'm sure many people here already know this by now but looking back, it seems that I was right to be cautious since Bter recently lost a large chunk of their users' funds due to an unusual cold wallet hack. What happened to Bter could happen to any other exchange or service that claims to hold/invest your bitcoins - whether it be MyBitcoin, inputs.io, Mt. Gox, or the countless cloud mining/ponzi schemes that pop up everyday, etc. Even if a site claims to offer a positive ROI by paying interest, it's highly likely that the actual expected ROI is negative once the possibility of a hack or scam is accounted for. Moral is; Keep your coins off exchanges people!

I'd be caution "investing" my BTC out of my control with someone I do not know. Be careful!

bter was giving interests on bitcoins on their website, now see what happened to it. it is closed up!
so i prefer saving my bitcoins with myself and don't worry about an small interest rate, while accepting the risks

By investing it on a third party website but you have huge risks of losing.

That is wow
but that doesn't leave the fact that there is always a chance to get hacked and to keep our money there , we still can't be sure if they go down big time(hope they don't) , they will be able to get the coins

Yeah I wouldn't trust these if you are considering investing.

yes, that's right. So it has to be very careful, and do some research on. becareful.

If you want a security that is worthwhile to invest in I highly endorse CVFS (CryptoVest Financial Services) - start here - https://bitcointalk.org/index.php?topic=913189.0 (https://bitcointalk.org/index.php?topic=913189.0). To be real, with a bull market on the horizon, just keep what ya got. However, if you have expendable coins that you want to work for you to bring in a steady fiat monthly fund then go to cryptostocks and check out CVFS. They've been reliable on their payments and have perfect customer service and monthly emails and audio messages filling in the shareholders as to what the company is going to do next in the market in terms of funding and the like. The month of March has something special going on to up the fundage. Check it out or get an idea about it.

What can back to the investment so much

I saw Chinese characters, Chinese web links, Chinese this and that. Immediately I think scam. Sorry, not a single one of my coins will EVER be held by anything in China.

If they were, not that I heard about it. Then it was obvious they were planning to get the exchange hacked and claim to have lost it all.

I have read this above:
On my perfect game it is possible and do not think i give it from my poket.
I prefer give $1 to my investors that $1 to adds sites if the return is better.
Why should I give if one give me?(one advertise on my sites)

Yes one can give a loan if sponsors are behind all the bitcoins...and bitcoins are not only bitcoins...because one can exchange them for other ecurrencies.
You can believe me...i'm since over 20 years welknown webmaster for the fun to give away earnt cash.
ok if you ask me if a could live with...it is no...(lol)
But if a webmaster manages his site just for fun and gives what he earn it is possible to earn...

Jua.com is being revised,In the future you'll see a brand new to bitbank.com ;D ;D

Are these investments still viable? I've been burned quite a bit and now I'm sort of skeptical about where to invest the bitcoins I have at this point.

buy litecoin

you are so right.

hold and hold.  dump in offline wallet.

Why litecoin when you can spend that money to buy bitcoin ???
Why don't you suggest trade your litecoin for bitcoin?

well that was a good call before the 4usd pump, a few people could have some made some extra cash this week from the litecoin pump.

What is the point in posting Chinese websites on an English speaking forum? I don't trust it.

Why can't you just translate what the writing says for us so we can atleast understand it?

hey guys im Bruce Wevael a co founder of AnonInvest

our company doesn't offer Interest or compounded interest as such, we do however offer bitcoin investment funds that are manged by professional traders which i believe may appeal to a lot of users posting in this forum

we had initially decided to make these services only available to the TOR network, however we have decided to open our services up to everyone via a tor2web extension
 
our website can be found at http://nurhgwbdqavwybzo.onion.to

if you have any questions fire away or pm me

cheers bruce

This thing looks very very interesting. If we see more bitbanks like this in west, people's trust will get higher.
Lots of people tend to think they can also use their money as investments, funds or interest income. It will help a lot to bitcoin's acceptability.

Mind adding my company to the list? Some info seems to me no longer up-to-date.

If you are a skilled trader, these interests won't tempt you as having your coins with yourself in your own wallet is better than having them even with the most trustworthy people out there, because anyone can turn out scam and you won't be able to sleep in tension of having your coins being stolen.

OP last posted on November 02, 2014. Very unlikely the list will be updated.

OP abandoned this thread?

we need a list where people can rate the trust and that shows interst rate of the various options

I started a similar thread with many sites listed here too. And i was zapped by cryptodevil for promoting scam.

Can crytodevil say anything now?

https://bitcointalk.org/index.php?topic=1479767.msg14916191#msg14916191

An interesting concept.

Bumping this thread for two reasons

1. More awareness of such options

2. I started a similar thread with many sites listed here too. And i was zapped by cryptodevil for promoting scam.

Thanks for the detailed information, I was using traditional p2p lending sites such as btcjam or bitbond for lending bitcoins so far. I would like to try new options for lending and since I am little bit more than average risk taker, I think I should try your suggestions. It would be great if we can use a single site to invest in multiple options in lending (example - 1Broker) where format of investments will have difference.

What is your concept for the avaliation?

perhaps we should start a new topic where we discuss the design of such a topic

i don t trust this chinese exchanges...i preffer to invest/loan/lending on poloniex small revenue but sure to get my bitcoin back