To Hodl or Lend: What is your take?

[Fivestar4everMVP]

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.

[gunhell16]

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.

[Uruhara]

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.

[Cryptomultiplier]

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.

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.

[libert19]

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.

[Latviand]

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.

[woez]

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.

[Sebas.tian]

What is your honest take on bitcoin lending? Too risky, won't try it? Too risky, will give it a try?

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.

[Sayeds56]

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.

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.

[Kakmakr]

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. 

[nur rochid]

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.

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.

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

[Huppercase]

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. 

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.

[bussybuddy]

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.

[Flexystar]

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?

[irhact]

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.

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.

[Iroh]

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.

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.

[Wong Gendheng]

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.

[Paul Pogba]

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.

[wajik-tempe]

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.

[onecall123]

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.