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There's some lending happening today with hodlhodl and ledn. Generally the loans are up to 1 year and the interest rates are quite high <15%
This is using BTC as collateral to borrow stablecoins BTW.
The future is anyone's guess. I think there will be less wasteful lending/borrowing. Putting up BTC as collateral will carry high risk so you'd better be sure to make a profitable venture.
sound like a bargain!
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