HODL lets you borrow fiat against your crypto—no selling, no stress. HODL bridges onchain liquidity to real-world cash through compliant, low-fee infrastructure.
HODL is a liquidity platform that enables users to access local fiat cash without selling their crypto. It bridges onchain liquidity with real-world money through a modular, compliance-aware infrastructure that works globally while adapting to local fiat rails. HODL turns crypto from a passive store of value into usable liquidity for real-life needs, anywhere in the world.
Core Idea
Borrow local fiat (NGN, KES, USD, ZAR, EUR etc) using crypto as collateral
Global access with local currency compatibility
No forced selling, no unnecessary liquidation
Crypto-collateralized fiat borrowing
Multi-currency fiat support
Onchain loan lifecycle management (lock, borrow, repay, release)
Milestone-based and trustee-controlled disbursement flows
Compliance-aware architecture designed for real-world integration
Web2-friendly user experience for global users
Earn: users can deposit supported fiat-pegged tokens to earn real yield, expanding utility beyond borrowing
Low transaction fees enable real-world usage
EVM compatibility for fast, secure deployment
Scalable L2 architecture for global adoption
Not a speculative DeFi app
Not leverage games
Global liquidity infrastructure connecting crypto to real-world money
Vision: Become a global liquidity and yield hub, enabling users to borrow without selling and earn from real yields across native fiat-pegged assets.
Power real, compliant access to capital across borders.
During the hackathon, we focused on delivering a functional, end-to-end MVP rather than a conceptual prototype. We designed and implemented the core crypto-collateralized borrowing flow, built onchain loan lifecycle logic (collateral locking, borrowing, repayment, and release), implemented milestone-based and trustee-controlled disbursement workflows, integrated Mantle for low-fee and scalable execution, and developed a Web2-friendly frontend to simplify onboarding and borrowing. We also defined the architecture for the upcoming Earn feature, enabling users to deposit supported assets and earn real yield. The result is a working foundation that demonstrates HODL’s core value: turning crypto into usable, real-world liquidity without forcing users to sell their assets.
The current focus is on building and validating the product. We are open to incubation grants, ecosystem support, and strategic partnerships to accelerate development post-hackathon.