From Miners — For Everyone. An Overview of the Coinhold Savings Service by EMCD - ForkLog: Cryptocurrencies, AI, Singularity, Future

# From Miners — For Everyone. Review of the Coinhold Accumulation Service by EMCD

The last two years have noticeably changed the crypto industry. Fewer people are trying to “catch the wave,” and more are choosing a calmer way to manage their assets. Against this backdrop, the market is shifting towards structured storage options like the Coinhold accumulation service.

In this article, together with the EMCD team, we’ll analyze why this shift is happening, which solutions are becoming popular, and what will shape the new style of interaction with cryptocurrency in 2025.

Slow and Steady Wins the Race

Amid record liquidations in October and declining interest in meme coins, users are increasingly preferring not quick, high-risk trades but more long-term strategies. The annual volume of stablecoin transfers exceeding $50 trillion confirms the growing demand for conservative products.

“The segment of systematic crypto storage with reward accrual is gaining momentum. Here, users have clear terms, a transparent structure, and no external dependencies. Products like Coinhold operate within a unified infrastructure, with predetermined calculation logic visible even before opening a wallet,” EMCD representatives comment.

How a Solution for Miners Became a Tool for a Broader Audience

Originally, Coinhold was created as an infrastructure tool for the EMCD mining pool. Mining rewards were sent to users’ wallets and simply accumulated there.

“Miners needed a secure way to place their mined funds into financial products without relying on external DeFi solutions,” EMCD comments.

According to them, for miners who have already invested in equipment, DeFi protocols appear too risky. Unstable mechanics, liquidity fluctuations, and smart contract vulnerabilities can threaten part of the market participants’ capital within minutes, and they already bear significant operating expenses:

“A single malfunction, hack, or sudden outflow of funds is enough for a user to incur losses. Miners need predictability and control over profitability, so such risks make DeFi an unreliable option for their needs. Ecosystem participants needed a tool that operates within EMCD and is fully controlled by the company’s infrastructure.”

The EMCD team developed a model that automatically distributes mining rewards across tariffs and allows users to receive accruals based on known parameters. The format quickly expanded beyond the mining industry and attracted users seeking additional yield for storing digital assets.

“Today, a significant portion of the Coinhold audience still consists of EMCD miners. This confirms that the product effectively solves the task it was created for, while adapting to a wider audience,” the company notes.

How Coinhold Accrues Yield

The key feature of Coinhold is that it operates exclusively within the EMCD infrastructure.

“Accrual parameters are based on the company’s operational model: pool operation, equipment maintenance, and internal services. The accrual mechanism is built on the real operational logic of the EMCD infrastructure,” project representatives explain.

The service allows you to place:

• Bitcoin (BTC);
• Ethereum (ETH);
• Litecoin (LTC);
• Bitcoin Cash (BCH);
• Tether (USDT);
• USD Coin (USDC);
• Toncoin (TON);
• Dogecoin (DOGE — expected in December).

Coinhold uses two mechanisms to build its calculation model:

1. Daily accrual formation. Accruals are updated daily at a set time. The user can track changes in the app interface.
2. Interest capitalization. Capitalization is provided for all storage models — Fixed, Flexible, and Full Flex — depending on the selected conditions within each tariff. Interest is added to the principal and begins to earn new interest, creating a “snowball” effect.

In some tariffs (for example, Flexible 30 days and Fixed 30 days) there’s no capitalization — accrued payments go directly to the EMCD wallet.

If the asset was in the tariff plan for less than 24 hours, no accruals are made. This prevents manipulation through frequent fund transfers.

Storage Models

Coinhold offers three types of asset storage for different use cases. They differ in terms, rules for early withdrawals, fund availability, and accrual logic. Users can choose a wallet type that suits their needs — from full access to fixed terms.

Source: EMCD, ForkLog.Fixed. An option for long-term cryptocurrency holders (for example, Bitcoin and Ethereum) and those who want more predictable returns. The wallet can be topped up at any time, and withdrawals are available at the end of the term. Early closure is processed via support but in this case, accruals are not retained.

Flexible. Suitable for those who need a term without strict fixation. The wallet can be closed or partially withdrawn at any time. Accrual parameters are fixed at opening.

For all coins, most Flexible tariffs allow users to choose the reward format: withdrawal to the EMCD wallet or capitalization in Coinhold. In 30-day Flexible tariffs, interest is credited only to the EMCD wallet.

Full Flex. A tariff for those who want maximum flexibility. The balance can be topped up, partially withdrawn, or closed at any time. When withdrawing, only the current day’s accruals are lost. You can also set up auto-transfer of interest to the EMCD wallet.

“For a 5,000 USDT deposit for 12 months in the Fixed tariff, you’ll receive about 5,600 USDT at the rate current for November 2025. For deposits of $50 ,000 or more, the yield can be increased upon request to support. For a 5,000 USDT deposit for six months — about 5,300 USDT,” EMCD comments.*

Integration with Mining

Since the product was developed for miners, Coinhold is integrated into the EMCD system:

• automatic transfer of mined coins;
• auto-top-up of the wallet;
• distribution of funds across several tariffs.

This integration allows users to receive both mining rewards and interest on already mined coins simultaneously. Assets begin to generate additional yield immediately after being credited to the balance.

EMCD clarifies a technical limitation: for each coin, you can only open one Coinhold wallet with auto-top-up from mining.

Management in Coinhold

Transfers between the main wallet and Coinhold are free, as are position closures and withdrawals.

Users can:

• top up the Coinhold wallet (if the tariff allows);
• partially withdraw funds;
• manage multiple Coinhold wallets;
• view accrual history.

After scheduled closure of the accumulation wallet, funds are returned to the main balance within seconds. For early Fixed closures, withdrawals take up to a day after contacting support.

How to Open a Deposit in Coinhold

To get started, you need to:

1. Log in to your EMCD account.
2. Go to the Coinhold section.
3. Select a tariff, asset, and term.
4. Enter the amount.
5. Set up auto-top-up if needed.
6. Confirm the opening.

Accruals start in 24 hours. The minimum amount to open Coinhold in USDT and USDC is 10 tokens. The minimum balance is also 10 USDT/USDC — it’s returned when the deposit is closed.

Conclusion

The Coinhold service was originally created for miners but over time has attracted a broader audience. The absence of typical DeFi risks, integration with mining, and transparent accrual logic make it one of the most convenient tools for many users to manage digital assets.

Against the backdrop of growing interest in stable yield, Coinhold and similar solutions are forming a segment of more conservative crypto products aimed at long-term investors.