To Hodl or Lend: What is your take?

[Swordsoffreedom]

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

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.

[1714725200]

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[passwordnow]

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.

[Patrol69]

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.

[smile1218]

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?

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.

[bayu7adi]

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.

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.

[irhact]

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.

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.

[Iadegbola34]

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.

[Maidak]

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.

[serveria.com]

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?

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.

[Asiska02]

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

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.

[Russlenat]

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?

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.

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.

[|MINER|]

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.

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.

[darkangel11]

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?

[serjent05]

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

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.

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.

[stomachgrowls]

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?

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.

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.

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.

[Swordsoffreedom]

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.

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.

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.

[Mauser]

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 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.

[bayu7adi]

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.

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.

[MusaPk]

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.

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.

[TheUltraElite]

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.