Terms at a glance
| Product model | Marketplace |
|---|---|
| Advertised rate | Offer-specific · Peer-negotiated interest |
| Rate conditions | 1.5% borrower origination fee is additional; inspect offer APR and term. |
| Collateral | BTC |
| LTV | Offer / contract specific |
| Term / structure | Agreed in peer-to-peer contract |
| Funding | USDT, USDC, L-BTC or WBTC |
| Collateral model | Bitcoin multisignature escrow |
| Fees | 1.5% origination paid by borrower |
Source: Hodl Hodl documentation. Figures describe the reviewed product, not an offer available to every borrower. See rate-source notes for documented discrepancies.
What to weigh up
Why borrowers consider it
Borrowers can select counterparty offers and contract terms, with Bitcoin held in multisignature escrow.
Tradeoffs and responsibilities
The lender and agreed contract matter. Funding is crypto-to-crypto, and the borrower pays an origination fee plus relevant network costs.
Common questions about Hodl Hodl
These answers cover borrowing costs, collateral and repayment. Eligibility and the signed agreement determine the terms of an actual loan.
What is Hodl Hodl and how does borrowing work?
Lend at Hodl Hodl is a peer-to-peer marketplace for borrowing supported digital assets against Bitcoin collateral.
What rate does Hodl Hodl charge?
The reviewed source shows Offer-specific (peer-negotiated interest). 1.5% borrower origination fee is additional; inspect offer APR and term.
Which collateral can I use with Hodl Hodl?
The documented collateral is BTC. Offer / contract specific. Supported assets and limits must match the specific product and account offer.
Who controls collateral with Hodl Hodl?
The documented model is: Bitcoin multisignature escrow. The lender and agreed contract matter. Funding is crypto-to-crypto, and the borrower pays an origination fee plus relevant network costs.
How long can I borrow and what can I receive?
The documented term or structure is: Agreed in peer-to-peer contract. Funding is described as USDT, USDC, L-BTC or WBTC. Confirm the repayment asset and schedule before borrowing; a crypto payout may require a separate conversion to pay a fiat expense.
What fees should I include in a Hodl Hodl quote?
1.5% origination paid by borrower. Compare net proceeds and the payoff amount on your planned repayment date. Avoid adding a charge twice if it is already included in APR.
Does Hodl Hodl lend fiat directly?
The reviewed lending overview describes crypto-to-crypto loans. Do not assume that a bank transfer is included in the borrowing contract.
Can I lose collateral when borrowing through Hodl Hodl?
Yes. Collateral-price declines, interest accrual or failure to meet repayment obligations can lead to collateral sales under the applicable rules. Custody, counterparty, smart-contract and operational risks depend on the product. Keep a repayment and collateral-management plan; no rate or starting LTV makes a loan risk-free.
Sources and further reading
These answers summarize the dated research used throughout this site. They do not reflect hands-on borrowing tests or a live rate feed. Read the methodology.