Earn or Borrow
NGN
KES
GHS
& rands
Without Selling Your Crypto.
Hold digital assets? Need quick liquidity or want to grow your savings? HODL gives you fast, secure access to financial tools built for your world — no banks, no bridges, no complexity.
Earn or Borrow
NGN
KES
GHS
& rands
Without Selling Your Crypto.
Hold digital assets? Need quick liquidity or want to grow your savings? HODL gives you fast, secure access to financial tools built for your world — no banks, no bridges, no complexity.
Earn or Borrow
NGN
KES
GHS
& rands
Without Selling
Your Crypto.
Hold digital assets? Need quick liquidity or want to grow your savings? HODL gives you fast, secure access to financial tools built for your world — no banks, no bridges, no complexity.
300+
million
people
in
emerging
markets
lack
access
to
credit
or
stable
yield.
Crypto
holders
face
a
similar
challenge
—
forced
to
liquidate
assets
just
to
access
cash.
HODL is the solution: a protocol for instant, secure, local money movement.
300+
million
people
in
emerging
markets
lack
access
to
credit
or
stable
yield.
Crypto
holders
face
a
similar
challenge
—
forced
to
liquidate
assets
just
to
access
cash.
HODL is the solution: a protocol for instant, secure, local money movement.
300+
million
people
in
emerging
markets
lack
access
to
credit
or
stable
yield.
Crypto
holders
face
a
similar
challenge
—
forced
to
liquidate
assets
just
to
access
cash.
HODL is the solution: a protocol for instant, secure, local money movement.
Why Choose HODL?
Why Choose HODL?
Benefits designed to provide a seamless, secure, and accessible experience for all users.
Local First
Built for emerging markets — starting with Nigeria, Kenya,
and Ghana
Dual Access
One simple wallet for both sides of finance: borrow with digital assets, earn with fiat.
Onchain Transparency
Every action is verifiable and trackable onchain, ensuring trust without middlemen.
Fast & Flexible
Borrow or withdraw in minutes — no paperwork, no delays, just access.
Built on trusted infrastructure, with support from the leading protocols and chains.
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For crypto holders: Deposit ETH, USDT or other tokens as collateral and access instant Naira liquidity — no selling, no stress.
Earn in Your Currency
For everyday savers: Deposit local fiat or stables and earn real yield — without needing to trade, stake, or understand DeFi.
Compliant, Transparent, and Onchain
Smart contracts power everything. KYC where it matters. Withdraw anytime. Full control, zero surprises.
Built for Local Markets
From off-ramp support to fiat-first design — every part of HODL is built for the way people use money in emerging markets.
Two Paths. One Simple App.
With HODL, you can earn daily yield or unlock instant liquidity in just a few steps. Fast, clear, and secure — everything happens in one wallet.
Start Earning in 3 Steps
1
Step 1: Fund your vault.
Deposit Fiat from your bank or crypto from your wallet.
2
Step 2: We grow your money.
Funds are routed to on-chain borrowers and high-yield credit instruments.
3
Step 3: Watch your earnings grow.
Track daily yield and withdraw anytime
Two Paths. One Simple App.
With HODL, you can earn daily yield or unlock instant liquidity in just a few steps. Fast, clear, and secure — everything happens in one wallet.
Start Earning in 3 Steps
1
Step 1: Fund your vault.
Deposit Fiat from your bank or crypto from your wallet.
2
Step 2: We grow your money.
Funds are routed to on-chain borrowers and high-yield credit instruments.
3
Step 3: Watch your earnings grow.
Track daily yield and withdraw anytime
Two Paths. One Simple App.
With HODL, you can earn daily yield or unlock instant liquidity in just a few steps. Fast, clear, and secure — everything happens in one wallet.
Start
Earning
in
3
Steps
1
Step 1: Fund your vault.
Deposit Fiat from your bank or crypto from your wallet.
2
Step 2: We grow your money.
Funds are routed to on-chain borrowers and high-yield credit instruments.
3
Step 3: Watch your earnings grow.
Track daily yield and withdraw anytime
What People Are Saying?
Early users and community members love how HODL makes saving and borrowing effortless. Here’s what they’re saying about the experience.
-
“I borrowed in minutes without selling my crypto — and paid back two weeks later.”
Chioma 🇳🇬
“The Earn flow is so smooth I onboarded my mom.”
David 🇳🇬
Project Manager
“Finally, a real use case for stablecoins in Africa.”
Tobi
@0xEkoMiami
-
“I used to sell my USDT just to handle bills. With HODL, I got instant cash and didn’t touch my coins.”
Adebayo O.
Crypto Trader
“Finally, a way to earn stable returns on my Naira without all the usual bank drama. 15% and counting.”
Miriam 🇰🇪
“What took my bank days, HODL did in minutes. It’s a game-changer for anyone with digital assets.”
Kofi 🇬🇭
-
“I’ve tried multiple lending apps. This one’s different — fast, clean, and built for where I live.”
Daniel U 🇳🇬
-
“Didn’t think I could earn yield on stablecoins without jumping through hoops. HODL made it dead simple.”
Fatima 🇰🇪
@0xFahtimaCrypt
-
“Used SOL as collateral, got cNGN in minutes. Repaid a week later and got everything back, to profits, no Stress.”
Patrick 🇬🇭
Onchain Power User
What People Are Saying?
Early users and community members love how HODL makes saving and borrowing effortless. Here’s what they’re saying about the experience.
-
“I borrowed in minutes without selling my crypto — and paid back two weeks later.”
Chioma 🇳🇬
“The Earn flow is so smooth I onboarded my mom.”
David 🇳🇬
Project Manager
“Finally, a real use case for stablecoins in Africa.”
Tobi
@0xEkoMiami
-
“I used to sell my USDT just to handle bills. With HODL, I got instant cash and didn’t touch my coins.”
Adebayo O.
Crypto Trader
“Finally, a way to earn stable returns on my Naira without all the usual bank drama. 15% and counting.”
Miriam 🇰🇪
“What took my bank days, HODL did in minutes. It’s a game-changer for anyone with digital assets.”
Kofi 🇬🇭
-
“I’ve tried multiple lending apps. This one’s different — fast, clean, and built for where I live.”
Daniel U 🇳🇬
-
“Didn’t think I could earn yield on stablecoins without jumping through hoops. HODL made it dead simple.”
Fatima 🇰🇪
@0xFahtimaCrypt
-
“Used SOL as collateral, got cNGN in minutes. Repaid a week later and got everything back, to profits, no Stress.”
Patrick 🇬🇭
Onchain Power User
What People Are Saying?
Early users and community members love how HODL makes saving and borrowing effortless. Here’s what they’re saying about the experience.
-
“I borrowed in minutes without selling my crypto — and paid back two weeks later.”
Chioma 🇳🇬
“The Earn flow is so smooth I onboarded my mom.”
David 🇳🇬
Project Manager
“Finally, a real use case for stablecoins in Africa.”
Tobi
@0xEkoMiami
-
“I used to sell my USDT just to handle bills. With HODL, I got instant cash and didn’t touch my coins.”
Adebayo O.
Crypto Trader
“Finally, a way to earn stable returns on my Naira without all the usual bank drama. 15% and counting.”
Miriam 🇰🇪
“What took my bank days, HODL did in minutes. It’s a game-changer for anyone with digital assets.”
Kofi 🇬🇭
-
“I’ve tried multiple lending apps. This one’s different — fast, clean, and built for where I live.”
Daniel U 🇳🇬
-
“Didn’t think I could earn yield on stablecoins without jumping through hoops. HODL made it dead simple.”
Fatima 🇰🇪
@0xFahtimaCrypt
-
“Used SOL as collateral, got cNGN in minutes. Repaid a week later and got everything back, to profits, no Stress.”
Patrick 🇬🇭
Onchain Power User
Your Questions, Answered
Your Questions, Answered
Your Questions, Answered
Everything you need to know about HODL in one place — security, assets, and more.
Everything you need to know about HODL in one place — security, assets, and more.
Do I need to sell my crypto for cash?
How does borrowing work?
How does earning work?
Is HODL secure?
Do I need KYC to use HODL?
Do I need to sell my crypto for cash?
How does borrowing work?
How does earning work?
Is HODL secure?
Do I need KYC to use HODL?
Do I need to sell my crypto for cash?
How does borrowing work?
How does earning work?
Is HODL secure?
Do I need KYC to use HODL?
Looking for Instant Cash or Steady Yield?
Looking for Instant Cash or Steady Yield?
Looking for Instant Cash or Steady Yield?
Redefining the future of investing solutions
Harness cutting-edge technology built to the highest industry standard, setting a new benchmark for modern investing.
Unlock Liquidity Without Selling
For crypto holders: Deposit ETH, USDT or other tokens as collateral and access instant Naira liquidity — no selling, no stress.
Earn in Your Currency
For everyday savers: Deposit NGN or cNGN and earn real yield — without needing to trade, stake, or understand DeFi.
Compliant, Transparent, and Onchain
Smart contracts power everything. KYC where it matters. Withdraw anytime. Full control, zero surprises.
Built for Local Markets
From off-ramp support to fiat-first design — every part of HODL is built for the way people use money in emerging markets.