In the midst of a prolonged crypto bear market in 2026, miners are facing an increasingly tough choice: sell their hard-mined coins at depressed prices to cover electricity and maintenance costs, or hold on to them and risk running out of capital. To address this dilemma, ViaBTC, one of the world’s leading mining pools, has launched a collateralized lending service specifically designed for miners. The service allows miners to pledge their Proof-of-Work (PoW) tokens — including BTC, LTC, DOGE, and BCH — as collateral and borrow USDT stablecoins, providing immediate liquidity without forcing them to sell their assets.
How ViaBTC’s Lending Model Stands Out
Compared to existing lending options, ViaBTC’s solution is tailored to the unique cash-flow cycles of mining operations. Exchange-based loans are fast but lack flexibility; decentralized lending protocols offer transparency but expose borrowers to fluctuating interest rates; hashrate-backed financing is highly sensitive to price volatility; traditional bank loans involve lengthy approval processes and high documentation requirements. ViaBTC’s offering bridges these gaps with the following key features:
Multi-Crypto Collateral: Miners can pledge a variety of PoW coins. All collateral is automatically converted to USDT equivalent to calculate a unified loan-to-value (LTV) ratio. During volatile markets, a diversified collateral pool helps mitigate the impact of a single coin’s price drop, reducing the urgency to add more collateral or face liquidation.
Real-Time LTV Monitoring: The system categorizes each borrower’s position into three tiers: Safe, Moderate, and Risky. Miners can see at a glance how close they are to the liquidation threshold, enabling proactive risk management. In fast-moving markets, this early warning system is critical.
Auto-Pledge Feature: When the current LTV hits the margin call LTV, the platform automatically transfers assets from the miner’s account balance to the collateral pool, restoring the position to normal levels. This function acts as a safety net, giving miners time to react manually during sudden downturns.
Transparent Pricing and Flexible Repayment
ViaBTC charges a fixed annual interest rate of 9.9%, which is lower than the typical 3%–20% range seen in the crypto lending market. Interest is calculated daily using simple interest: daily interest = outstanding principal × 9.9% / 365. There are no hidden fees or variable rate adjustments.
Importantly, loans have no fixed maturity date. Miners can repay at their own pace, avoiding forced asset sales at unfavorable times. The minimum loan amount is just 50 USDT, with no maximum cap, making it accessible to both small-scale home miners and large industrial operations. The platform also sends margin call alerts via notifications, helping miners stay on top of their positions.
Strategic Value in a Bear Market
By unlocking liquidity from idle crypto assets, ViaBTC’s lending service transforms coins into working capital. Miners can use the borrowed USDT to pay bills, maintain equipment, or even expand hashrate — all while retaining full exposure to future price appreciation. Whether the market is bullish or bearish, the ability to borrow against mined assets offers a vital lifeline. ViaBTC emphasizes that its goal is to help miners sustain operations and avoid forced liquidations, thereby preserving the long-term value of their efforts.
Disclaimer: This article is a sponsored press release and is for informational purposes only. It does not constitute financial advice. Readers should conduct their own research or consult a qualified professional before making any investment decisions.