One of the most common ways of increasing your wealth within cryptocurrency world is so-called “HODL” — the process of keeping the assets safe in a wallet until the price appreciates. Easy to remember, hard to execute since it usually takes significantly longer for assets to “pump” than expected. With that said, another question arises: how can you make your digital currencies grow?
This is where cryptocurrency lending appears. It provides lenders with an opportunity to earn interest on their holdings, and helps borrowers to unlock the value of their digital assets by using it as collateral for a loan.
Why should I consider a crypto loan?
Kot smo že omenili, posojila za kripto valute unlock the value of your digital assets by using it as collateral for a loan. If you have a long-term view for your investments and have no intention to sell your assets it allows you to maintain ownership of your funds while gaining access to the liquidity.
In other words, you can use the assets you have (that you do not plan to sell) to release the funds that can be utilized for reinvestments, buying other digital assets or daily purchases.
What is cryptocurrency lending?
Posojanje kriptovalut is an investment form with two main involved parties: the posojilodajalec in Posojilojemalec. The lender provides the assets needed for the loan (usually stablecoins or fiat) at a selected interest rate while the borrower uses cryptocurrency assets as collateral to receive the loan. This collateral can be used later to cover the lender’s potential expenses.
Easy as that — the lender sends the loan, the borrower deposits the collateral and receives the loan.
Kaj so primeri uporabe posojanja kripto?
Posojanje kriptovalut ima več skupnih značilnosti primeri uporabe: reinvesting, short-selling, diversification or daily purchases.
- Ponovno vlaganje - svoja imetja si lahko izposodite pri stabilnokovancih in porabite prejeta sredstva za zlaganje več istih valut, ki jih imate. Ko trg raste, prodate nakopičena sredstva in izplačate posojilo, hkrati pa ohranite dobiček zaradi razlike v ceni (bikov trg Ovitek);
- Kratko prodajna - stabilnokovance si lahko izposodite proti izbranim sredstvom (na primer Bitcoin or Ethereum) in prodajte prejete kriptovalute po trenutnem tečaju. Ko trg upada, kupite enako količino Bitcoina ali Ethereuma ceneje za odplačilo posojila, hkrati pa ohranite dobiček zaradi razlike v ceni (medvedji trg Ovitek);
- diverzifikacija - lahko si izposodite svoje imetje na stabilnokovancih in porabite prejeta sredstva za diverzifikacijo portfelja in nakup več različnih valut;
- Dnevni nakupi - svoja imetja si lahko izposodite pri stabilkovancih, jih zamenjate za fiat in prejeta sredstva porabite za svoje redne potrebe, kot sta najemnina ali potovanje.
How can I start lending my crypto?
To start lending cryptocurrency you should choose the type of lender you would like to work with. There are several different options available:
Platforms and Exchanges
Custodial platforms or exchanges like Binance or Coinbase can provide lending services. These services are centralized and act like a middleman, controlling the agreement between you and the borrower. Before starting working with them and proceeding with lending you would have to send your cryptocurrency to their platform.
Usually these two options require you to create an account first, and pass Poznajte svojo stranko (KYC) procedure, meaning you’d have to provide your private information before proceeding with lending out digital assets.
Decentralizirane finance
Decentralized Finance (DeFi) protocols can also allow you to lend out your cryptocurrencies without a middleman (Sestavljeni or Aave). A smart contract would be used for this case to ensure that lending would be handled correctly. This smart contract will automatically make transactions once certain predetermined requirements are met.
Within these services you would have to send your cryptocurrencies to a smart contract when lending, meaning in exchange you will receive a proof of being the owner of these assets.
On the other hand, DeFi lending is limited to a one blockchain due to the fact that smart contracts are being used. Most often these protocols support only ERC20 tokens (Ethereum blockchain).
Kaj moram imeti v mislih pri posojanju kripto?
Obstaja več parametri kripto posojanja that should be understood and constantly keeped in mind: LTV, APR, loan time frame, liquidation and liquidation price.
- LTV (Posojilo v vrednosti) je razmerje med posojilom in razmerjem zavarovanja s premoženjem. Kar zadeva kriptovalutna posojila, so vedno preobremenjeni kar pomeni, da prejmete le del vrednosti zavarovanja;
- April (Letna obrestna mera) je obrestna mera za celo leto, ki se uporablja za posojilo za kriptovalute;
- Časovni okvir določa, koliko časa imate za poplačilo posojila za kriptovalute;
- Likvidacija je postopek prodaje zavarovanja za kritje stroškov posojilodajalca;
- Likvidacijska cena je cena, ko se zavarovanje prodaja za kritje stroškov posojilodajalca. Določi se pred najemom posojila.
Kakšna so tveganja kriptoposojanja?
Čeprav je kriptoposojanje močno orodje, kot ima vsaka druga finančna dejavnost z njim tesno povezana:
- Vaše zavarovanje ima vedno a likvidacijska cena. Morali bi pozorno spremljati nihanja cen kriptovalut in se tega zavedati. Edini razlog za izgubo zavarovanja s storitvami kriptoposojanja;
- Imejte v mislih LTV razmerje. Na primer, če LTV znaša 30%, to pomeni, da se mora cena Bitcoina, ki se uporablja kot zavarovanje, pred prodajo znižati za 30%;
- Naredite svoje raziskave. Kot katero koli drugo finančno dejavnost je treba tudi kriptoposojanje v celoti razumeti, preden jo preučimo;
- Ne posojajte kriptovalut, ki jih nameravate izplačam kmalu. O posojanju kriptovalut je treba razmišljati srednjeročno ali dolgoročno;
- Ne uporabljajte zelo nestanovitna digitalna sredstva kot zavarovanje (SHIB, SZC razširitev, XRUNE);
- Vse jemljite zmerno kot katero koli drugo finančno dejavnost. Uporabite samo tista sredstva, ki so v redu, da jih lahko izgubite.
CoinRabbit, najlažji način za izposojo kripto
V podjetju CoinRabbit smo ustvarili celovito rešitev, s katero vam nudimo najboljšo izkušnjo posojanja kripto.
Enostaven za uporabo
The process of lending crypto at CoinRabbit is very simple and easy. Literally a few clicks to get your funds. You don’t have to browse through the whole website to learn what to do.
Hitri in drzni
Prejem vašega računa traja manj kot 10 minut USDT/USDC posojilo. Pozabite na čakanje na sredstva več ur.
Brez KYC
We do not identify our clients, we do not know where you are from and who you are. In most cases passing KYC is not needed (required for the cases when the funds can’t pass AML raven varnosti).
V povzetku
Crypto lending solutions became a great tool to adopt any cryptocurrency market conditions, let it be a growing, dumping or stable market and provide new ways of increasing your wealth.
Ponovno premislite your financial activity and choose between bull & bear market loans in Plače da povečate svoje imetje in naredite poljubno nihanje cen bolj priročno.
Ne finančnega nasveta. Naredite svoje raziskave in vzemite vse zmerno.
Posojila, zavarovana s kripto, imajo svoja tveganja, ki jih je treba prevzeti.
Source: https://coinrabbit.io/blog/what-is-crypto-lending-coinrabbit
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