Crypto markets move fast and unpredictably. Investors often face a key decision:
Should you sell your coins to get cash, or use those coins as collateral to borrow THB instead?
This article provides a clear comparison to help you choose the right strategy for your financial goals.
Option 1: Selling Your Coins Fast access to cash, but at the cost of future gains
Selling is the most straightforward way to get liquidity, but it comes with hidden trade-offs.
Pros of Selling
- Immediate access to THB
Suitable for urgent expenses - No interest cost
You simply convert your assets into cash - Reduces risk if the market continues to fall
Useful when you intentionally want to cut losses
Cons of Selling
- Your crypto position disappears instantly
You no longer hold the asset - If the price rebounds, you lose potential profit
One of the most common regrets among investors - Trading fees or withdrawal fees apply
- You lose long-term upside, especially on assets with strong growth trends such as BTC or ETH
Option 2: Borrowing THB with Crypto Getting liquidity without reducing your portfolio
This strategy is widely used by professional investors because it unlocks cash while keeping your crypto exposure.
Pros of Borrowing with Crypto
- You continue holding your coins
Your portfolio remains intact - Instant access to liquidity without selling during market dips
- Flexibility to wait for the market to recover before repaying
- Supports long-term financial planning while maintaining crypto exposure
Cons of Borrowing with Crypto
- Monthly interest applies
- Requires managing LTV (Loan-to-Value), especially during high volatility
Professional Investor Summary When should you borrow, and when should you sell?
| Situation | Recommended Action |
| You need quick liquidity but expect the market to recover | Borrow instead of selling |
| You want to cut losses or believe the asset will not continue rising | Sell |
| You want cash but still want to hold long-term positions | Borrow |
| You want to avoid interest and do not expect significant upside | Sell |
Why professionals use this strategy
Institutional investors, hedge funds, and large holders often use crypto-backed loans to preserve their positions while still gaining access to liquidity.
This allows long-term portfolio growth while maintaining cash flow for personal or business needs.
How Liberix makes “Borrow Instead of Sell” easier and safer
Liberix enables you to borrow Thai Baht using your crypto as collateral.
- Fast liquidity
- Retain full exposure to your crypto
- Secure storage with institutional-grade custodian
- Clear, transparent interest and terms
