To Hodl or Lend: What is your take?

[Lorence.xD]

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.

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.

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[dansus021]

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

[Ayers]

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.

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 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.

[CarnagexD]

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

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

[S A KHAIR]

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

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.

[uneng]

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.

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.

[sana54210]

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?

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.

[Nwada001]

Hodling in best strategy in a sense that you have full control over your holdings.

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.

Lendin is fine if your loan is backed by some smart contract.

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.

Real world loans doesn't go well in most cases as its now on lender to return or not.

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.

[goinmerry]

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?

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.

[GideonGono]

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".

[loopes]

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.

[Blowon]

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.

[dansus021]

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

yeah everything has its own risk including we live on earth is just a risk  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?

 

[xSkylarx]

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

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.

 
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.

[19Nov16]

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.

[Swordsoffreedom]

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.

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.

[G_Besar]

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.

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.

[bluebit25]

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.

[Desmong]

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.

[slapper]

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?

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.

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!