PRESS RELEASE.
While bull markets can be a golden period for miners, bear markets can be just as unforgiving. It’s not uncommon for crypto miners to incur major losses during periods of market volatility. In a typical bear market cycle, miners face the difficult decision to sell their coins to stay afloat or hold on and risk running out of capital as they try to cover mining costs.
However, rather than selling mined cryptocurrencies that could still appreciate as the market recovers, ViaBTC has introduced a new solution to help miners remain operational and profitable. As one of the most established global mining pools, ViaBTC now offers a collateral-pledged loan service designed to support miners in all market conditions. Whether the market is in a bull or bear phase, this feature enables miners to borrow against their crypto holdings and access fast liquidity while maintaining full exposure to future market gains.
Comparing Different Loan Functions in Mining Products
As of 2026, the broader crypto market remains bearish, pushing miners to find ways to stay operational and profitable. While prices decline, mining costs such as electricity, maintenance, and hardware stay the same or even increase. As a result, many miners are turning to loan solutions to access capital without selling their holdings at unfavorable prices.
Among some of the well-known loan models are:
ViaBTC Collateral-Pledged Loan: Miners can pledge their mined Proof of Work coins as collateral to borrow stablecoins from ViaBTC, providing immediate liquidity without interrupting mining operations. This service is specifically designed to help miners cover expenses like electricity and maintenance without selling their coins, allowing them to benefit from the long-term value of their earnings.
Exchange-Based Crypto Loans: Miners can borrow directly against their crypto holdings on centralized exchanges to obtain immediate liquidity. While this loan function is quick and convenient, they are not mining-specific, and there’s less flexibility in loan terms.
Independent Lending Platforms: Some platforms offer flexible loan terms and instant credit lines with high Loan-to-Value (LTV) ratios for select cryptocurrencies. However, these models are also primarily designed for general crypto holders, making them less aligned with the irregular cash-flow patterns of mining operations.
Decentralized Lending Protocols: These protocols allow miners to access loans through smart contracts, eliminating the need for intermediaries. Despite offering transparency and self-custody, these lending systems can be complex to manage and expose miners to fluctuating interest rates.
Hashrate-Backed Financing: This allows miners to secure loans based on expected future mining output rather than existing crypto holdings. While this can support expansion without immediate asset liquidation, the model is highly sensitive to hash price volatility, making repayment riskier during bear markets.
Traditional Bank Loans: Conventional banks allow miners to borrow currency using personal or business credit, but they typically involve lengthy approval times, high interest rates, strict documentation requirements, and are rarely optimized for miners or digital assets.
Why ViaBTC’s Loan Model Stands Out From the Rest
Compared to the lending functions highlighted above, ViaBTC’s collateral-pledged loans stand out because they are purpose-built for miners’ day-to-day operations. The mining pool offers instant loan disbursement, flexible repayment with no fixed maturity, and margin alerts that help miners manage risk.
ViaBTC also aligns with the typical irregular cash flow cycles miners face, allowing them to unlock liquidity from existing assets without disrupting operations or exposing themselves to unnecessary difficulties in volatile, unpredictable market conditions.
How to Leverage ViaBTC’s Loan Features In a Choppy Market
In a typical crypto bear market, the usual trade-off is to sell mined coins to pay bills or hold them and risk running out of capital. However, ViaBTC has broken disrupted this cycle with its collateral-pledge loans, enabling miners to keep their profits in a bull market or preserve their capital during a bear market.
Here are some of the key ViaBTC loan features that help miners navigate a choppy market and stay profitable:
Multi-Coin Collateral: ViaBTC supports multiple cryptocurrencies as collateral assets. This includes popular Proof of Work coins such as BTC, LTC, DOGE, and BCH. All pledged assets are automatically converted to their USDT equivalent to calculate a unified LTV ratio.
In a volatile market: If the price of one coin drops, the diversified collateral loan feature mitigates its impact on miners, reducing the pressure to add more collateral or risk liquidation.
Real-Time LTV Monitoring: This feature tracks each borrower’s current LTV in real time and categorizes the position into three levels: Safe, Moderate, and Risky. This tiered system gives miners a clear picture of their position relative to the loan liquidation threshold.
In a volatile market: The LTV monitoring feature helps miners spot risks early and act before their position becomes critical as prices shift quickly.
Auto-Pledge Feature: ViaBTC offers the Auto-Pledge feature to stabilize loan LTVs. When the ‘Current LTV’ reaches the ‘Margin Call LTV,’ this system automatically transfers assets from the miner’s account balance into the collateral pool, reducing the position back to normal levels.
In a volatile market: Prices can move aggressively within a short window, pushing LTV from safe to risky before a miner has a chance to respond manually. Auto-Pledge steps in automatically to keep positions stable and avoid loan liquidation.
No Fixed Maturity Date: ViaBTC collateral-pledged loans have no fixed maturity date, allowing miners to borrow when they want and repay at their own pace.
In a volatile market: With no fixed maturity date, miners can repay when their cash flow allows rather than being forced to sell assets when a due date arrives at the wrong time.
Fair and Transparent Rates: ViaBTC charges a fixed annual interest rate of 9.9%, which sits below the market average for crypto-collaterized loans, where rates typically range from 3% to over 20% depending on the platform.
In a volatile market: ViaBTC’s fixed rate stays the same, so the cost of staying liquid never adds to the stress.
Simple Daily Interest: ViaBTC has no hidden fees or variable-rate adjustments tied to market conditions on its loans.
Loan interest is calculated daily using a simple formula:
Daily Interest = Outstanding Principal x 9.9% APR/365.
In a volatile market: When revenue is low, a fixed daily rate gives miners a borrowing cost they can plan around, regardless of what the market condition is.
Minimum and Maximum Loan Amounts: ViaBTC’s collateral-pledged loans have a minimum loan amount of 50 USDT and no upper borrowing limit, making them accessible to both small, independent miners and large-scale operations.
In a volatile market: No borrowing ceiling and low entry points mean miners can access capital easily even when markets are strained.
Loan Alerts: ViaBTC sends margin call alerts when LTV exceeds the threshold. These notifications are an early reminder to prevent miners’ loan positions from deteriorating.
In a volatile market: Margin call alerts give miners a direct signal to act at the right time.
Conclusion
Regardless of market conditions, miners who treat their crypto as idle holdings miss out on possible profits. ViaBTC’s collateral-pledged loans turn those assets into working capital, helping miners cover costs, access liquidity, and plan for growth without selling their holdings.
Disclaimer
This article is for informational and educational purposes only and should not constitute financial, investment, or legal advice. Readers should conduct their own research or consult with a qualified professional before making any decisions.
_________________________________________________________________________
Bitcoin.com accepts no responsibility or liability, and shall not be liable, whether directly or indirectly, for any loss, damage, claim, cost, or expense of any kind, whether actual, alleged, or consequential, arising out of or in connection with the use of, or reliance upon, any content, goods, or services referenced in this article. Any reliance placed on such information is strictly at the reader’s own risk.
No Comment! Be the first one.