#btc loan

[moneyprotocol]

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Borrow Against Bitcoin Securely | Crypto Loans Without Selling BTC | Money Protocol

Looking to unlock the value of your crypto without selling it? Borrow Against Bitcoin with ease using Money Protocol. This platform allows you to get instant liquidity by using your BTC as collateral, helping you access funds while still holding your crypto assets. Whether you need cash for personal or business use, crypto-backed loans offer a flexible and secure solution.

Money Protocol provides a decentralized and transparent way to borrow against Bitcoin with low interest rates and no credit checks. Keep your long-term investment intact while meeting short-term financial needs. With a user-friendly interface and secure blockchain technology, borrowing against Bitcoin has never been easier.

[heliolendingau]

Subsidized vs. Unsubsidized Loans

The topic of student loans is lengthy ground to cover. Among the various facets of these types of loans is the debate between subsidized and unsubsidized. Which one should a student choose? Which one will prove to be more beneficial in the long run?

When choosing a student loan to help you pay for college, the type you decide to take out — whether it be subsidized or unsubsidized — will impact how much you owe after you graduate. Therefore, understanding the differences between the two is important as it will help you determine which is more suitable for you.

Exhibit A: Subsidized

Subsidized loans are specifically for undergraduate students with financial need. It is determined by your attendance cost minus expected family contribution and other types of financial aid. Such examples include scholarships and/or grants. These loans do not accumulate interest during deferment periods or while you are in school half-time at a minimum.

If you qualify for a subsidized loan, they will offer an array of benefits. They provide borrowers with a much lower interest rate than unsubsidized loans typically offer. Moreover, the government pays the interest on them while you are in school. Likewise, during the six-month grace period for repayment after graduation. With that said, subsidized loans are available only to students displaying financial need and they can be used for undergraduate studies.

Exhibit B: Unsubsidized

Unsubsidized loans are for both undergraduate and graduate students. Unlike subsidized loans, they are not based on financial need and are not accompanied by an interest subsidy. These loans accrue interest around the clock, which the borrower has to eventually pay. However, much like subsidized loans, one does not have to start paying off unsubsidized loans until their grace period comes to an end. Only then will interest that has accumulated be capitalized, or added to the principal balance that was originally borrowed.

Unsubsidized loans provide their own share of benefits. As previously mentioned, they can be used for both undergraduate and graduate school. Moreover, there is no qualification requirement for a student to show financial need. While the interest starts accumulating as soon as you take out the loan, it is not mandatory to pay the loans back until you have officially graduated. On top of that, unlike private loans, there are no credit checks when you apply.

Final verdict

Both subsidized and unsubsidized loans have the capacity to help students pay for college. Nevertheless, they must remember that either loan type must eventually be repaid and with interest. One must think long and hard about how much they will need to borrow and which repayment option will work better when it comes to your budget.

https://heliolending.com/

[heliolendingau]

Why is the Crypto Market so Volatile?

It is often said that the crypto market is more unstable, temperamental, and turbulent than other financial markets. This can be both a good and a bad thing, as the crypto market has successfully made plenty of people richer in a relatively small period of time, but it has also caused a lot of people to lose money faster than they would in other markets such as stocks for FOREX. Here are three major reasons why there is such volatility in the crypto market.

Crypto is a new asset class

Compared to other markets, such as stocks, commodities, and fiat, crypto is extremely young. Most other markets have been traded and engaged with for centuries, whereas crypto only existed in 2008 with Bitcoin, and for the most part of crypto’s history, there were only a handful of coins to invest in. It has only been in the last five or so years that there has been such a large plurality of coins and tokens to trade.

The lack of age and experience in the crypto market means that most technical analysis does not work, as there is simply not enough historical data for it to be accurate. This makes for volatility, as only a small handful of traders will try to perform technical analysis right now, and even then there is less chance it will be as successful as with an asset class such as commodities (where we have a vast wealth of knowledge about how it acts as a market).

The crypto markets do not close

Most financial markets have opening and closing times. For instance, most trading does not occur over the weekend, or after 5pm (depending on the country you are in), because the world of trading is usually seen as a 9-to-5 job. In many ways, this shows the sheer age of other markets, as most of them existed before the internet did, and so 24/7 trading was never viable. With that being said, there are still ways to trade traditional assets during weekends and non-work hours, although these trades usually have less liquidity, and so many investors avoid doing so.

The crypto market, however, has no closing times. Everybody is trading on all days, at all hours. The fact that there is no stopping crypto trading means that it becomes more unpredictable, and so it is harder to follow. With traditional markets, a trader can be confident that less value will move after office hours, but with crypto anything goes as liquidity does not disappear on weekends or after hours.

More retail investors

Crypto might be the most open and accessible asset class in the world. People can begin trading instantly and (although it does help) they do not need any knowledge of finance or economics to begin engaging with the market. Additionally, because of the youth of the market, and because of how many people got rich by merely holding onto coins for long enough, there is a lot of money in the market from people who do not have a great deal of trading experience. There are also a ton of crypto traders who are in the market because they know about the technology, rather than know about the economics of it, so the market will not always move in the same way as a market would if it was filled with trained economists (like how FOREX and stocks are).

https://heliolending.com/

[heliolendingau]

Bitcoin Holders Can Now Secure Loans

As of April 18th, those who own any bitcoin can obtain a loan if they need one. As a bonus, they can do so without any of the hassles one may run into when asking a bank for a loan. Some ‘crypto banks’ have even started offering lines of credit to those with digital currencies in their investment portfolios.

People who own cryptocurrencies such as Bitcoin, Ethereum or Ripple are able to pledge their holdings with crypto banks to acquire loans that are roughly 50-60% of the asset value. These loans are accompanied by no specific tenure and repaying them can happen at any time.

The interest rates

You can effortlessly secure crypto loans at a 12-15% interest rate on an annual basis. For comparison’s sake, banks offer personal loans at an interest rate of approximately 12-24% per annum, as well as a 2-3% processing fee. Moreover, to reiterate, you can repay crypto loans anytime because they do not have a specific tenure.

Where can you get these loans?

You can obtain a crypto/Bitcoin backed loan at Helio Lending, https://heliolending.com

Crypto lending market growth

The possible demand for cryptocurrency and banking services working with cryptocurrency is a lot higher than the current. PointPay states that the interest Internet users have shown in purchasing cryptocurrency (like bitcoin and ether) is even higher in certain cases now than it was in 2017.

Nowadays, the lending market in which bitcoin serves as collateral has a value of up to $25 billion. Bitcoin is seen as an opportune subject of collateral due to it being easy to confirm that it is owned. Moreover, there is no requirement for additional assessments of such collateral, as is the case with real estate or other types of property.

https://heliolending.com/

[heliolendingau]

Bitcoin Holders Can Now Secure Loans

As of April 18th, those who own any bitcoin can obtain a loan if they need one. As a bonus, they can do so without any of the hassles one may run into when asking a bank for a loan. Some ‘crypto banks’ have even started offering lines of credit to those with digital currencies in their investment portfolios.

People who own cryptocurrencies such as Bitcoin, Ethereum or Ripple are able to pledge their holdings with crypto banks to acquire loans that are roughly 50-60% of the asset value. These loans are accompanied by no specific tenure and repaying them can happen at any time.

The interest rates

You can effortlessly secure crypto loans at a 12-15% interest rate on an annual basis. For comparison’s sake, banks offer personal loans at an interest rate of approximately 12-24% per annum, as well as a 2-3% processing fee. Moreover, to reiterate, you can repay crypto loans anytime because they do not have a specific tenure.

Where can you get these loans?

You can obtain a crypto/Bitcoin backed loan at Helio Lending, https://heliolending.com

Crypto lending market growth

The possible demand for cryptocurrency and banking services working with cryptocurrency is a lot higher than the current. PointPay states that the interest Internet users have shown in purchasing cryptocurrency (like bitcoin and ether) is even higher in certain cases now than it was in 2017.

Nowadays, the lending market in which bitcoin serves as collateral has a value of up to $25 billion. Bitcoin is seen as an opportune subject of collateral due to it being easy to confirm that it is owned. Moreover, there is no requirement for additional assessments of such collateral, as is the case with real estate or other types of property.

https://heliolending.com/

[heliolendingau]

What is the Grace Period?

“What is the Grace Period?”

When discussing student loans, the chances of the grace period being brought up are quite high. Along with deferment periods, this particular stretch of time is something to be aware of in regards to loans and payments.

What does it entail?

A “grace period” is an established length of time following the due date during which the payment can be made without penalty. These periods – usually lasting 15 days – are often included in contracts for mortgage loans and insurance. Additionally, they allow a borrower or insurance customer to stall the payment for a short time after the due date.

During this period, there are no late fees charged. Moreover, the delay is unable to lead to loan default or contract cancellation. Payments beyond the due date but during the grace period do not result in a black mark being attached to the borrower’s credit report.

When it comes to defining a grace period on a loan, most credit cards do not have grace periods for their monthly payments. A late payment penalty is promptly included following the due date and interest will continue to be compounded on a daily basis.

In regards to credit cards

As mentioned already, there is no requirement for credit card companies to give a grace period. However, there are plenty of credit cards that offer grace periods on purchases.

If your card provides a grace period and you are not currently carrying a balance, then you can avoid paying interest on new acquisitions. That is if you pay your balance in full once the due date rolls around. If you lose your grace period by not fully paying your balance by the due date, you will be charged interest on the balance’s unpaid portion. Additionally, you will be charged interest on purchases in the new billing cycle starting when those purchases are made.

Credit card companies need to establish procedures to ensure the mailing of their bills. Furthermore, their delivery to you is at least 21 days before the payment’s due date.

With credit cards, grace periods will usually only apply to purchase transactions. Using your card to acquire a cash advance or using a check from your card issuer means that you have to start paying interest as of the transaction’s date.

Deferment periods: what’s the difference?

Much like grace periods, a deferment period is when a borrower is not required to make loan payments, often during times of financial hardship. However, unlike grace periods, deferment is typically not automatic. Borrowers have to request or apply for a deferment, as well as provide documentation to explain why they cannot make payments. Oftentimes, loans continue to accumulate interest throughout a deferment. Therefore, during these periods, it would be smart to make any payments that you can.

https://heliolending.com/

[heliolendingau]

HOW CONSENSUS ALGORITHMS AFFECT THE VALUE OF YOUR ASSETS

Consensus algorithms are the lifeblood of all crypto technologies. However, traders and holders generally pay little attention to them as they are considered irrelevant to the price of an asset. But this is not accurate. Consensus algorithms play a huge role in the value of a coin or token. Let’s take a look at how and why this happens, and why you should care.

Consensus Algorithms are all about Trust

Firstly, let’s take a look at what exactly a consensus algorithm is. In a nutshell, they are a process that computers use to agree on how something should be handled. In cryptocurrency, a consensus algorithm is simply a method of adding transactions to a blockchain.

There are dozens of different consensus algorithms in the market, but only two are truly popular: proof-of-work (PoW), and proof-of-stake (PoS). Popular PoW cryptocurrencies are Bitcoin, Litecoin, Dogecoin, and Monero. Popular PoS cryptocurrencies are Polkadot, Cardano, DASH, and Tezos. Ethereum will also soon become PoS after its ETH 2.0 upgrade (scheduled at some point this year or next), however at the moment is PoW.

PoW is the first consensus algorithm to ever be used in the crypto world, first showcased by Bitcoin. This makes it the oldest and most trusted algorithm in the market. Generally, people view PoW coins as more trustworthy because the technology behind them has been more heavily tested and is better understood. Because PoW coins use electricity and computer processing power, a successful PoW project is harder to create, as it requires a reasonable amount of miners who are all dedicating their time, resources, and finances, to help the blockchain run. For this reason, there are fewer PoW scam coins and copycats in the market, as opposed to PoS, which only requires people to lock up their finances onto a blockchain (known as “staking”).

However, PoW is not without its drawbacks. The biggest of which being that it uses a tremendous amount of electricity. Earlier in the year, Elon Musk tweeted that PoW coins utilize far too much power, and are having a negative impact on the environment. When he did this, the price of most PoW coins dropped significantly. This is one reason why Etheruem is switching to PoS.

Experimental Consensus Algorithms

As the industry matures, more and more developers are trying to build projects that stand out from the crowd and distinguish themselves as unique. One way to do this is to engage in newer and more experimental consensus algorithms. For instance, Idena uses a “proof-of-person” blockchain, which is where humans must actively validate the blockchain by actively performing tasks on the blockchain, and Solana created “proof-of-history”, which is an algorithm that uses timestamps to designate changes.

It is hard to evaluate what makes a good consensus algorithm, especially when they are experimental (and if you don’t have a background in computer science). If you choose to invest in coins like this, be vigilant and try to see if there are any documents or scientific papers that have been published focusing on its algorithms. These papers can be tough to navigate, but their conclusions and introductions are often easily digestible. What you should look for is any reason to doubt the strength of these concepts.

A coin with an experimental algorithm may do well in a bull market, but in times of hardship, it could drop like a rock. This is especially true if they launched during a bull market, as their novel aspects will eventually wear off on the public.

Why does this matter (from a lending perspective)?

For starters, bear in mind that the consensus algorithm of a coin oftentimes determines whether a lender will even accept it as collateral. DeFi lending platforms require your coins and tokens to run on a similar blockchain that the project itself runs on. There can be exceptions to this (such as cross-chain projects), but these are mostly still in their early stages of development.

Generally, however, most CeFi lenders can accept coins of any algorithm (but it is best to check with them beforehand). One issue that can sometimes arise is that coins with unusual consensus algorithms can be tricky to store in a cold wallet (which is the norm for services like Helio). Cold storage wallets are usually only made for the most popular consensus algorithms, such as PoW and PoS.

Keep all of this in mind when looking at experimental and unique projects, as the collateralization process can get complex, depending on the underlying technology being used.

https://heliolending.com/2021/09/10/how-consensus-algorithms-affect-the-value-of-your-assets/

[topmarketingtt]

How can you make money work for you?

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Well, the easiest way to increase the value of your assets is to deposit them on a platform like Coin Trust Loan where you receive interest payments.

Let’s say you have a sum of money if you keep them in your wallet you don’t earn anything from them but if you deposited them in a crypto account you would receive interest from them

Let’s talk about cointrustloan.com and see why it is the best way to store value.

Well, because you start earning money from the day you make the deposit, moreover, the platform does not charge any transfer commission or any interest.

There is no minimum balance so you can deposit any amount and withdraw it at any time you want. The minimum deposit period is one day and the maximum period does not exist.

By choosing to deposit your savings in crypto, you are able to protect them from inflation while earning an interest rate that is much higher on cointrustloan.com than anywhere else.

Deposits on thecointrustloan.com are guaranteed by Genesis Capital which is the largest and most stable creditor in the digital assets space.

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