In crypto, timing isn’t just everything — it’s the difference between wealth and regret.
If you’ve ever needed funds fast — for taxes, trading, or just staying afloat — you’ve likely faced the classic dilemma: sell your crypto at a bad price, or scramble for cash elsewhere. But what if there was a third option? One that keeps your Bitcoin intact while unlocking the liquidity you need.
That’s exactly what EMCD’s newest product delivers.
Coinhold OnLock is a smarter way to borrow. Lock your BTC to access instant USDT-backed loans — no selling, no delays, and a simple setup for eligible amounts. It’s not just a loan. It’s a financial strategy.
Why crypto lending is having its moment
As digital assets mature from speculative bets into long-term holdings, the market is shifting. Today’s users — from solo miners to DeFi traders — treat crypto not just as an investment, but as a tool. A source of yield. A funding mechanism. A way to operate with speed and flexibility in an increasingly volatile world.
And yet, most platforms haven’t caught up. DeFi protocols are powerful but complicated. CeFi platforms often have complicated onboarding, slow approvals, and force liquidation thresholds without warning.
What users need is something simple. Something instant. Something safe.
That’s where Coinhold OnLock comes in.
Introducing Coinhold OnLock: borrow without exit
Launched in 2025 by EMCD — one of the top 10 global Bitcoin mining pools — Coinhold OnLock is built for speed, clarity, and control. Users can now lock BTC or USDT as collateral and instantly borrow up to 90% of its value, with no paperwork and no lock-ins.
Here’s how it works in practice.
You open the EMCD Wallet. Select the asset you want to use as collateral. Choose your Loan-to-Value ratio — say, 70%. Confirm the agreed interest rate. Click ‘Borrow’. Your funds arrive within seconds. No approval delay. No waiting for manual review. No bureaucracy.
For loans under $10 000, the process is simplified — just provide your email and set up 2FA.
If the value of your collateral drops, you get notified well before reaching liquidation. And even after the term ends, you still have a five-day grace period to repay or extend the loan — with no penalties.
It’s a system designed not to punish, but to protect.
Real lives, real use cases
The best part? Coinhold OnLock isn’t built for theory. It’s built for life.
Take Nikolai, a solo miner in Kazakhstan. After spotting a bulk discount on new ASIC rigs, he needed $8 000 quickly. Rather than sell his mined BTC — and miss out on future gains — he used Coinhold OnLock to borrow against it. Two weeks later, with higher hashrate rewards kicking in, he repaid the loan early.
Or take Elena, a trader in Madrid. When she spotted an arbitrage window on a USDT pair, she needed $3,000 fast to execute the loop. Instead of selling her long-term crypto, she locked BTC as collateral, borrowed USDT in minutes, and completed the trade — without ever leaving the market.
Or Lucas, a long-term investor in Berlin. Faced with a surprise tax bill, he used Coinhold OnLock to access $5 000 — without triggering a taxable sale. His BTC stayed where it belonged: in his wallet, untouched.
These aren’t exceptions. They’re the new default. In 2025, crypto is capital — and capital should move without friction.
A launch offer worth locking in
To celebrate its debut, EMCD has launched a simple but rewarding campaign: for any loan taken before September 1, 2025, users will get back 5% of the interest they pay, up to 100 USDT.
That means if you borrow and pay $1 000 in interest, you receive $50 back — no forms, no waiting. Just money returned, automatically.
The total reward pool is capped at 10 000 USDT. If demand exceeds that limit, rewards will be distributed proportionally. It’s a way to thank early adopters and fuel healthy liquidity — without destabilizing the platform.
The power of an earning ecosystem
Coinhold OnLock isn’t just about borrowing. It’s about keeping your capital in play — even while it’s locked.
When you take a loan, funds go straight to your EMCD Wallet. From there, you can:
- Move them into Coinhold and start earning with EMCD
- Reinvest in mining equipment, knowing your BTC is still yours
- Or instantly cash out via EMCD’s P2P exchange — with zero platform fees
Using Coinhold? Withdraw first — then unlock liquidity.
While Coinhold and OnLock aren’t yet directly connected, you can still move your savings into your Wallet and borrow against them in just a few clicks. It’s your same EMCD experience — no extra KYC, no banks, just secure loans backed by your BTC.
And here’s the reassuring part: even if the loan isn’t repaid, we don’t take the collateral. After all margin call alerts and grace periods, your BTC is converted to USDT — the borrowed amount and interest are deducted, and the rest is returned to your wallet. In most cases, the only cost is the interest. You keep your capital.
That’s the EMCD way: borrow, earn, store, and convert — all with one account.
Trust isn’t a promise. It’s infrastructure
Crypto lending platforms make a lot of promises. EMCD makes one difference: a real track record.
The company has been operating since 2017 without a single exploit, breach, or user fund loss. That’s not luck — it’s infrastructure.
Collateral is kept in cold storage — fully isolated from online access. All accounts are protected with enforced two-factor authentication. Every transaction is screened in real time under AML and CTF protocols. And for larger loans, enhanced verification ensures legal compliance without compromising user flow.
Most importantly, EMCD controls its full stack. It doesn’t rely on unaudited smart contracts. It doesn’t outsource custody. That means faster response times, tighter risk controls, and one outcome that matters most: your funds stay safe — and available.
Coinhold OnLock: built for holders, not sellers
This isn’t a ‘loan product.’ It’s a liquidity engine for people who believe in their assets — but need breathing room.
Whether you’re:
- A miner scaling operations
- A trader jumping on market momentum
- An investor covering expenses without losing upside
- Or just someone tired of choosing between short-term liquidity and long-term conviction
Coinhold OnLock gives you the middle path.
You don’t need to sell. You don’t need to beg banks. You don’t need to compromise your crypto future.
You just need to lock. And unlock.
Try it today at emcd.io
Disclaimer: Coinhold OnLock loans are provided by EMCD. Liquidation may occur automatically if the LTV reaches 95%. In such cases, only the interest is withheld — the remaining funds are returned to your wallet after converting the collateral.. This product may not be available in certain jurisdictions, including but not limited to the United States, Canada, Singapore, the United Kingdom, the European Economic Area, and other regions where crypto-backed lending is regulated or restricted. Rates, terms, and eligibility requirements may vary depending on your location and the asset used as collateral. Identity verification may be required in certain cases regardless of loan size. This product is not a savings or investment vehicle, and no guarantee of future value or returns is made. Borrow responsibly and consult with a qualified financial advisor in your jurisdiction before using crypto-backed lending products.