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**How Your Bitcoin Stays Safe**

**How safe is P2P Bitcoin trading? Hodl Hodl is a P2P Bitcoin trading platform that operates differently from traditional exchanges. The key difference? We never hold your funds. Instead, we use a secure multisig escrow system that keeps you in control of your Bitcoin at all times.**


## What is Escrow?

Escrow is a **P2SH** (Pay-to-Script-Hash) Bitcoin multi-signature address generated specifically for each trade contract. Think of it as a secure lockbox that requires multiple keys to open — no single party can move the funds alone.
At Hodl Hodl, we use a **2-of-3 multisig escrow** system. This means three keys exist for every escrow address, but only two are needed to release the funds:

- One key belongs to the Seller
- One key belongs to the Buyer
- One key belongs to Hodl Hodl

## **How does multisig escrow work?**

![How does multisig escrow work?](https://zrhsczo76h2c.compat.objectstorage.eu-zurich-1.oraclecloud.com/hodlhodl-blog-production-mainnet/hh_multisig_escrow_scheme_5d5ef56ccb.png)

1. Contract Creation — Once a trade contract is started, Hodl Hodl generates a unique multisig escrow Bitcoin address for that specific trade.

2. Seller Deposits Bitcoin — The seller sends Bitcoin from their wallet to the escrow address, where it becomes locked.

3. Buyer Sends Payment — The buyer sends fiat payment to the seller using the agreed payment method.

4. Release from Escrow — Once the seller confirms they've received the payment, they release the Bitcoin from escrow directly to the buyer's wallet address.

## What Happens in a Dispute?

**Both the buyer and the seller can start a dispute. Once a Hodl Hodl administrator reviews and resolves the dispute, they can use the Hodl Hodl key combined with either the buyer's key or the seller's key to release the funds from escrow to the rightful party.**

**This is the power of 2-out-of-3 multisig escrow: it provides a fair resolution mechanism while ensuring no single party has unilateral control.**

## Why Is This Safe?

**The multisig escrow system provides several layers of security:**

**No Third Party Holds Your Funds** — Hodl Hodl cannot move funds from escrow without the seller's signature. Your Bitcoin remains under your control, even while locked in escrow.

**Protection Against Exchange Compromise** — Even if our exchange were to be hacked, your Bitcoin in multisig escrow remains unaffected. The funds can only be moved with the required key signatures.

**Direct P2P Trading** — All trades occur directly between buyers and sellers. The multisig escrow simply provides a trustless mechanism to ensure both parties fulfill their obligations.

**Buyer Protection** — With the 2-of-3 multisig escrow system, buyers aren't left powerless. They hold one of the three keys, giving them recourse if something goes wrong.

**Hodl Hodl's multisig escrow represents the true spirit of Bitcoin: trustless, peer-to-peer transactions where you maintain control of your funds. No custodial risk, no third-party holding your Bitcoin — just secure, direct trading.**

## Further Reading

- [**Trading Bitcoin Security Guide**](https://hodlhodl.com/blog/en/security-guide)
- [**5 Common Myths About Bitcoin - Debunked**](https://hodlhodl.com/blog/en/bitcoin-myths)

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Hodl Hodl Multisig Escrow Explained: Why We Never Hold Your Bitcoin

We are thrilled to have participated in the recent Africa Bitcoin Conference 2025 (ABC), where our team had the opportunity to share our expertise and showcase our commitment to user privacy and security. As a peer-to-peer trading platform, Hodl Hodl is dedicated to providing individuals with the tools and knowledge they need to take control of their financial freedom.

## Workshop: Bitcoin to Self-custody: Anonymous Bitcoin Purchase with Hodl Hodl

Our workshop, led by our CEO and renowned Bitcoin-only educator BTCSessions, was a huge success. Attendees learned **how to buy Bitcoin anonymously** using our platform, ensuring they maintain full control and self-custody of their assets. The step-by-step guide on how to purchase bitcoin anonymously provided a comprehensive understanding of the process, empowering users to protect their identity and financial sovereignty.

## Growing Presence in Africa

We are excited to announce that Hodl Hodl is expanding its presence in Africa, a region that is rapidly embracing Bitcoin and cryptocurrency adoption. Our platform is well-positioned to meet the growing demand for secure, peer-to-peer trading solutions, and we are committed to supporting the local community through education, outreach, and innovation. We believe that Africa has immense potential for Bitcoin adoption, and we are dedicated to playing a key role in this growth.

## Join Our Team in Africa: We're Hiring!

As we continue to grow and expand our services in Africa, we are actively seeking talented individuals to join our team on the continent. We have openings for Community Managers, Developers, and other roles that are passionate about Bitcoin, self-custody, and financial freedom. If you're based in Africa and are interested in being part of a dynamic and innovative company, we invite you to reach out to us at [hr@hodlhodl.com](mailto:hr@hodlhodl.com). We're looking for individuals who share our vision for a more decentralized and financially inclusive Africa, and who are excited to contribute to the growth of the Bitcoin ecosystem on the continent.

If you're passionate about Bitcoin and want to be part of a team that's making a real impact in Africa, we'd love to hear from you.

Thank you to everyone who attended our workshop and stopped to chat with us at the Africa Bitcoin Conference. We look forward to continuing the conversation and exploring ways to work together to promote financial freedom and to advance the adoption of Bitcoin across the African continent! 


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Hodl Hodl Makes a Strong Impression at the Africa Bitcoin Conference: Empowering Users with Self-custodial Anonymous Bitcoin Purchasing

As we close out **2025**, we’re thrilled to reflect on the incredible journey that **Team Hodl Hodl** has been on. From traveling across continents to educate, connect, and collaborate with the global Bitcoin community, to expanding our platform and services, this year marked a period of meaningful growth, learning, and progress.

## Spreading Education and Awareness

Throughout the year, our team actively participated in conferences, meetups, and community events around the world, including:

- Plan B Forum in El Salvador
- Cheatcode in Bedford
- Tuscany Lightning Summit
- Oslo Freedom Forum
- Baltic Honeybadger
- Lugano Plan B Forum
- Labitconf
- Decentralized Democratic Resistance
- Africa Bitcoin Conference

These gatherings gave us invaluable opportunities to share our experience, learn from fellow builders and educators, and connect with people who share a passion for **Bitcoin, self-sovereignty, and financial freedom**. Community remains at the heart of everything we do, and these events continue to inspire and guide our work.

## Expanding Our Platform and Services

2025 was also a year of strong product and ecosystem growth for Hodl Hodl. Our focus remained on accessibility, resilience, and trustless financial tools. Over the past year, we:

- **Expanded global access** by supporting **431 payment methods and 60 currencies**, making it easier for users worldwide to buy and sell Bitcoin.
- **Deepened our reach in the Global South**, with a strong presence in **Latin America** and growing traction across **Africa**, where demand for peer-to-peer financial infrastructure continues to rise.
- **Scaled Lend at Hodl Hodl**, adding support for new blockchains to facilitate loans—unlocking more ways for users to lend and borrow Bitcoin while preserving our commitment to security, transparency, and self-custody.

**Baltic Honeybadger: A Legendary Chapter**

In 2025, we proudly organized the **8th edition of the Baltic Honeybadger conference**. While there won’t be a Baltic Honeybadger in 2026, we’re deeply grateful for the years of collaboration, ideas, and friendships that grew from it. Bringing the Bitcoin community together has been a privilege, and we look forward to supporting other conferences and grassroots initiatives in the year ahead.

**Looking Ahead: Our Roadmap**

As we prepare for the next chapter, our focus remains on building practical, user-first Bitcoin tools. Highlights from our upcoming roadmap include:

- **Layer 2 support via ARKADE integration**, expanding functionality and scalability
- **Mobile app development**, delivering a seamless and secure experience on the go
- **Continued regional expansion**, bringing Hodl Hodl to new markets and communities

At Hodl Hodl, we remain committed to **education, continuous improvement, and principled innovation**. We’re proud of what we achieved in 2025 and excited about what’s ahead in 2026. Thank you to our users, partners, and supporters for being part of this journey with us. 

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2025 in Review: A Year of Growth, Education, and Building at Hodl Hodl

Your security and safety are our top priorities at Hodl Hodl. To help protect your account and trades, we’ve compiled essential platform security guidelines every user should know. Before entering into any contract on the Hodl Hodl trading platform, we strongly recommend reviewing this security trading guide to ensure a safe, secure, and informed trading experience.

## If you are looking to sell BTC

**Send BTC only through escrow**

You should never send BTC anywhere other than the escrow address generated by Hodl Hodl. The details of the escrow address are only shown after both parties have confirmed their payment passwords and the contract status has changed to “Depositing”.

**Never release bitcoin from escrow until you receive the payment**

You should release bitcoin ONLY AFTER you have double-checked that the payment has been received and its amount reflects the amount of the deal.

Remember: The payment part of the contract happens without Hodl Hodl’s involvement. Fiat payment is transferred directly from the buyer to the seller.

NOTE: A payment receipt provided by your counterparty is not a 100% guarantee. You are not safe to continue unless you see the balance of your fiat account reflect the amount of the payment. Do not trust, VERIFY!

**Be aware of reversible payment methods**

Be aware of any risks associated with the payment method you aim to use. Note that some payment methods are riskier than others. For payment methods like “PayPal”, be aware of the risk of the payment being reversed.

## If you are looking to buy BTC

**Do not send the payment until the bitcoin is locked in escrow**

Sending money any earlier is highly insecure. Only after the contract status has changed to “In progress”, are the bitcoin safely locked in escrow, and only then, you are welcome to proceed with the payment.

Note: You are expected to make the payment within the payment window, otherwise, your counterparty will be able to cancel the contract.

**Do not forget to press the “I’ve sent the payment” button after the payment has been made**

You should press the button right after you’ve made the payment. Otherwise, after the payment window runs out, your counterparty will be able to cancel the contract and refund the bitcoin back to himself.

Note: When the button is pressed and the status of the contract has changed to “Paid”, the contract cannot be cancelled.

## General bitcoin security trading rules

**Do not open suspicious links in the contract’s chat**

Hodl Hodl does not generate nor share any links in the contract’s chat. Only open links you are familiar with.

If it seems like the administrator has shared a link, please note that messages from Hodl Hodl’s administrators are highlighted in yellow.

**Set First-trade limit**

As we all know, initiating trades often requires accepting requests from new users, setting a first-trade limit helps reduce potential risk. This feature caps the value of your initial transaction with any new user to the amount you choose. In addition, offers that include first-trade limits tend to be less appealing to fraudulent buyers.

**Protect Your Hodl Hodl Account with Two-Factor Authentication**

Two-factor authentication (2FA) is mandatory for everyone who registers on Hodl Hodl, making account security stronger from the very first login. By adding an extra layer of protection beyond your password, 2FA ensures that only you can access your account, even if your credentials are compromised.

Be sure to securely store your recovery codes when enabling 2FA, as they are essential for regaining access if you ever lose access to your 2FA device.

**Do not enter your account data on any other website**

We would never request your account details anywhere other than on our websites, that is, those with the hodlhodl domain name.

BEWARE of phishing websites looking like Hodl Hodl. If you enter your credentials into a fake site, your account could be compromised and your BTC locked in escrow could be released without your knowledge.

**Never reveal your payment password**

Your payment password is your key to accessing the escrow. You are the sole owner of that key, and no one else, including Hodl Hodl, should know it.

**Communicate only in the contract’s chat**

Avoid texting in Telegram, WhatsApp, etc. In case you require assistance from our side, we would only be able to assess the information in the contract’s chat.

**Pay attention to user’s reputation**

To better protect yourself, always pay attention to the user’s reputation and ratings — they reflect the experience other users have had dealing with this trader in the past.

**Beware of impersonators**

Bad actors may create usernames much like those of your trusted traders trying to confuse you (tiger5rng impersonating tiger5nrg), so you make a payment based on confidence gained in previous trades.

Please report any inappropriate behavior that contradicts any of these rules to support@hodlhodl.com.



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Trading bitcoin security guide

Let’s talk about the next myths about bitcoin.

## Myth 6: “Bitcoin Can Be Turned Off”

Some believe that governments or large corporations could simply “turn off” Bitcoin. Could the government shut down Bitcoin? In reality, Bitcoin can only be shut down if the entire internet and electricity grid worldwide were turned off.

Bitcoin is a decentralized network run by thousands of nodes across the globe. There’s no central server, no single office, and no “off switch.” As long as one computer anywhere in the world remains online, Bitcoin continues to function.

## Myth 7: “It Takes a Lot of Money to Buy Bitcoin”

Many people think they need thousands of dollars to start with Bitcoin. The truth? You can buy a tiny fraction of a Bitcoin — even just a few cents worth.

Bitcoin is divisible up to eight decimal places, meaning you can own 0.00000001 BTC (called one satoshi). If you want to try it out, you don’t need to buy a full Bitcoin — you can start small.

## Myth 8: “The Bitcoin Train Has Already Left”

It’s common to hear, “I’m too late; I should’ve bought it years ago.” But that’s like saying you’re too late to use the internet because websites already exist.

Bitcoin is not a trend — it’s a technological breakthrough in money. The best time to start learning or using it is always now. Just like upgrading a dull knife for a sharper one, adopting better financial technology is never “too late.”

Bitcoin continues to grow, evolve, and be adopted globally — meaning its story is far from over.

## Myth 9: “Bitcoin Is the Same as Other Crypto Projects”

Bitcoin was launched through an open and decentralized process, without pre-mining, venture capital, or a company behind it. Anyone could (and still can) join the network, mine Bitcoin, and contribute improvements.

Today, Bitcoin remains the most decentralized and secure blockchain in the world. There’s no CEO, no marketing department, and no foundation controlling it. Compare that to most new crypto projects, which are often run by small teams, have business plans, and are built for profit — Bitcoin stands apart as open, neutral, and leaderless.

That’s also why central banks, large companies, and even governments are now holding bitcoin on their balance sheets.

## Myth 10: “Bitcoin Is a Bubble with No Real Value”

“Bitcoin has no value,” some say. If that’s true, please — send me five bitcoin right now.

Value doesn’t come from thin air; it comes from what people are willing to exchange for it. Bitcoin’s price is set freely by millions of buyers and sellers around the world — not by any company or government.

Moreover, value is subjective. If you’re in a desert dying of thirst, a bottle of water is worth far more than a kilo of gold. Bitcoin’s value lies in what it offers — a decentralized, censorship-resistant form of money that anyone can hold, transfer, and verify without trusting intermediaries.

## Conclusion

Bitcoin myths often stem from misunderstanding — but with a bit of curiosity, they fall apart quickly. It’s not magic internet money or a passing trend; it’s a global, decentralized network redefining what money can be.

The best way to understand Bitcoin? Start small, learn, and see for yourself why it keeps attracting millions around the world.


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5 More Bitcoin Myths - Debunked


## What is Forced Liquidation?


Forced Liquidation — occurs if the price of bitcoin fluctuates enough to make the LTV ratio rise higher than 90%, and there have been no attempts from the Borrower to either increase the amount of Collateral or partially repay the debt in order to keep the LTV ratio at the required level.

The Borrower will receive 3 margin call notifications prior to a Forced Liquidation. What is margin calling? A margin call occurs when the value of the Collateral falls below the value the Contract requires.

In case the Borrower has not responded, and the LTV ratio has risen higher than 90% — both the Lender and the Borrower will be informed about the start of a Forced Liquidation procedure. In this case, the Contract will be terminated and the Collateral will be transferred to the Lender.

Forced Liquidation can also occur if the Borrower failed to repay the debt. In this case, after the Contract period has ended, and there have been no attempts from the Borrower to repay the debt within 24 hours, Forced Liquidation occurs.

Important things to remember about forced liquidation
### 

### For Lenders:

Even if Forced Liquidation occurs, there is no risk of not receiving your interest, since all loans are over collateralized.

Also note, that in case the contract has been liquidated, **you will receive the debt** (loan amount + interest) **in bitcoin**. So, if you are afraid of bitcoin’s volatility, and a Forced Liquidation occurs, you should monitor the price of bitcoin, and be prepared to convert bitcoin into stablecoins in a timely manner.

### For Borrowers:

In case Forced Liquidation occurs, there will be an additional cost — a Forced Liquidation fee of 5%.

In case the amount locked in the multisig escrow address is greater than the outstanding debt — the difference will be refunded to you.


## Some tips that will help you avoid Forced Liquidation


**1. Set a low LTV ratio**

What is the LTV ratio? The LTV ratio shows the relation between the Loan amount and the value of the Collateral. And in case the value of the Collateral goes down — the LTV ratio goes up, and additional Collateral will be required to balance this ratio.

In general, a higher LTV ratio entails a higher risk of contract liquidation. Thus, lower LTV ratio = more collateral.

**2. Send more BTC to escrow**

Even if you are entering into a contract with 70% LTV you can always protect yourself by purposely sending more collateral to escrow. In this case, even if the price of bitcoin goes down, you will have more time to react.

**3. Monitor the exchange rate**

Keep an eye on the exchange rate, if bitcoin’s price is going down, remember to log into your Hodl Hodl account and check the current LTV ratios of your ongoing contracts.
**
4. Use a valid email address**

When creating an account, sign up with a valid email address, since all of your notifications about your contract statuses and updates will be sent there.

**5. Repay the debt on time or even earlier**

Do not wait until the last moment, remember you can always complete your contract by early repayment.

**6. React if you receive a Margin call**

Increase the Collateral amount or partially repay the debt to keep the LTV ratio at the required level.


That’s it, keep an eye on your LTV ratios and keep hodling!

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HODL: How to avoid Forced Liquidation

**Bitcoin's run above $120,000—reaching new all-time highs above $125,000 in early October 2025—has coincided with a dual security crisis: a sharp rise in violent "wrench attacks" against holders and record-pace digital thefts targeting the broader digital asset ecosystem, with North Korea linked to the year's largest incident.** Chainalysis' mid-year findings show 2025 is on track to surpass prior records for value stolen from services, and that physical attacks rise with bitcoin's forward-looking price trend. Bitcoin's latest price highs were reached on October 5, 2025.

The picture that emerges from public data and primary sources:

- **Physical attacks are surging alongside price.** Chainalysis documents a clear price-attack correlation and says 2025 is "well on track" to exceed prior peak years. An independent analysis reported a **169% increase** in incidents over roughly six and a half months in 2025, drawing on Chainalysis data and [Jameson Lopp's incident log](https://github.com/jlopp/physical-bitcoin-attacks/). Lopp's long-running open database shows dozens of cases in 2025, already eclipsing many prior years.

- **North Korea and the Bybit theft dominate this year's service losses.** On **February 21, 2025**, attackers stole about **401,000 ETH (~$1.5B)** from exchange Bybit. On **February 26**, the [FBI attributed the theft](https://www.ic3.gov/psa/2025/psa250226) to DPRK actors tracked as **TraderTraitor** and published laundering addresses. Chainalysis notes that **Bybit alone accounts for ~69%** of all funds stolen from services year-to-date.

- **Digital theft totals and pace.** [Chainalysis recorded](https://www.chainalysis.com/blog/crypto-crime-mid-year-update-2025/) **$2.17B** stolen from services **through June**—**17% more than 2022** at the same point—and 2025 reached **$2B in 142 days** versus **214** in 2022. September was particularly heavy: CertiK counted **16 incidents above $1M** and about **$156M** in losses, while PeckShield tallied roughly **$127M** using a stricter set. Separate reporting on Q3 indicates centralized services bore the largest share that quarter.

---

## Physical attacks: what the 2025 spike actually shows

- **Correlation with price.** Chainalysis finds a "clear correlation" between wrench-type incidents and a forward-looking moving average of bitcoin's price: as expected future value rises, attacks follow.

- **Geography.** Chainalysis highlights growth in **Eastern Europe**, **MENA**, and **CSAO** (Central, Southern & Eastern Asia and Oceania), while the United States and several G7 economies still account for many incidents. France has seen multiple high-profile cases in 2025 involving kidnappings and severe violence.

- **"One per week" warning.** SatoshiLabs founder **Alena Vránová** told the **Baltic Honeybadger 2025** audience that *"every week, at least one Bitcoiner somewhere in the world is kidnapped, tortured or extorted."* Coverage also noted incidents over amounts as low as ~$6,000 and murders near ~$50,000.

---

## The Bybit catastrophe: attribution, method, and laundering

While Bybit is an altcoin exchange and the stolen assets were Ethereum-based, the incident illustrates the threats facing the entire digital asset space—including Bitcoin holders who use centralized services.

- **Attribution.** The FBI's **February 26** Public Service Announcement formally links the Bybit theft to DPRK's **TraderTraitor** actors, publishes addresses, and warns services to block associated flows. TRM Labs independently mapped overlaps with prior DPRK operations.

- **Probable attack path.** Multiple post-mortems indicate a **supply-chain/UI-level compromise** connected to **Safe{Wallet}** infrastructure, in which malicious code or signer deception redirected a routine cold-to-hot transfer. Safe reported a developer machine compromise tied to one affected account.

- **Laundering speed.** At least **$160M** moved within 48 hours, with hundreds of millions moved within days via swaps and bridges before off-ramps.

- **Shift into BTC.** On **March 20, 2025**, Bybit CEO **Ben Zhou** said **86.29%** of the stolen ETH had been **converted to bitcoin** as part of DPRK laundering.

---

## 2025's theft landscape and evolving methods

- **Totals and pace.** **$2.17B** stolen from services by **June** (mid-year), **17%** ahead of the 2022 pace; 2025 reached **$2B in 142 days** versus **214** in 2022.

- **Target shift.** Exploitation of **human and infrastructure weaknesses** (keys, session tokens, third-party dev environments) continues to outpace pure protocol-level bugs. Personal-wallet compromises represent **~23.35%** of stolen value year-to-date, a marked increase.

- **Unlaundered balances.** Chainalysis estimates **~$8.5B** from personal-wallet thefts and **~$1.28B** from service thefts remain **on-chain and not yet laundered**.

- **North Korea's share.** Separate Q3 tallies indicate **about half** of stolen funds were linked to DPRK-associated activity during the quarter.

- **What launderers pay for speed.** To push funds through quickly, laundering entities paid **~14.5×** the baseline on-chain fee in 2025 versus **~2.58×** in 2021—even as average network fees fell roughly **89%** since 2022.

- **Mixers and OTC.** As sanctions removed prior mixers from play, **YoMix** grew **>5× in 2023**, with **~one-third** of inflows tied to hack-associated wallets, and was adopted by DPRK-linked actors.

---

## DPRK's broader campaign: social engineering and IT-worker infiltration

- **DMM Bitcoin (May 2024) shows the playbook.** An employee at **Ginco** (DMM's wallet software vendor) was lured via a fake **LinkedIn** recruiter into running a malicious **GitHub** "coding test," enabling session-cookie theft and a manipulated wallet operation that moved **4,502.9 BTC**.

- **IT-worker schemes at scale.** On **June 30, 2025**, the [U.S. Justice Department announced](https://www.justice.gov/opa/pr/justice-department-announces-coordinated-nationwide-actions-combat-north-korean-remote) coordinated actions across **16 states**, including searches of **29** laptop-farm locations and seizure of **~200** computers tied to DPRK remote-work revenue operations and related identity theft. U.S. Treasury guidance and sanctions throughout 2023–2025 emphasize that DPRK cyber and IT-worker activity **funds WMD and missile programs**. The **FBI's January 23, 2025** advisory specifically warns of **data-extortion** by discovered DPRK IT workers.

---

## The data-exposure problem

- **Massive leak surface.** Vránová told Baltic Honeybadger attendees that **>80 million** digital-asset user identities are exposed online and **~2.2 million** include home addresses—data criminals can cross-reference with on-chain heuristics to select targets.

- **Structure matters.** Transparent, public-ledger activity is a feature, but when combined with **centralized KYC data leaks**, it creates a targeting map. Chainalysis emphasizes that **operational security**—keeping balances and personal details private—matters as much as device hygiene.

---

## Practical security guidance for Bitcoiners (tiered by amount)

> The goal is to remove single points of failure, reduce coercion risk, and preserve recoverability. This is **not** an endorsement of any custodial platform.

**Under ~$10,000 (spending stack)**
- Use reputable mobile wallets with robust spending controls and 2FA on linked accounts. Consider **Blockstream Green** or **BlueWallet**.
- Basic OPSEC: don't advertise holdings; separate identity from spending; keep device OS up to date.

**~$10,000–$100,000 (savings stack)**
- Prefer hardware signing devices with air-gapped flows and metal backups stored separately. **Trezor**, **[Coldcard](https://coldhodl.com)**, **Ledger** are widely used.
- Consider a simple **2-of-3 multisig** using different vendors for key diversity; distribute backups geographically.

**>$100,000 (vault stack)**
- Move to **multisig setups** to eliminate single-key failure and mitigate coercion risk; distribute keys across jurisdictions where possible.
- **[Debifi](https://debifi.com)** offers non-custodial Bitcoin multisig solutions for high-value holdings.
- Add **time-locks** and **transaction policies** where supported; implement inheritance protocols and out-of-band recovery instructions.
- For public-facing individuals: professional physical-security consultation and home-address privacy hygiene.

**Universal**
- Treat emails/DMs about "job tests," "urgent code reviews," or "wallet updates" as hostile by default. Validate out-of-band. (See DMM/Ginco case above.)
- Separate devices and accounts by role (spend vs. sign vs. browse). Use passphrases and hardware-level PIN delays. Don't keep seed phrases where they can be found under duress.

---

## Industry response

- **TRM Labs' Beacon Network.** In **August 2025**, [TRM Labs launched](https://www.trmlabs.com/resources/blog/trm-labs-launches-beacon-network-the-first-real-time-crypto-crime-response-network) **Beacon Network**, a real-time crime-response system with major exchanges and payment firms to flag and halt tainted flows as they hit participating platforms.

---

## Price context and the security corollary

- Bitcoin set a then-record **above $124,000 on August 14, 2025** and pushed to new highs **above $125,000 on October 5, 2025**.
- Chainalysis' research indicates **wrench-attack activity rises with price and expectations of future price**—a forward-looking effect.

---

## Bottom line

- **Physical risk:** documented, global, and rising with price; vigilance and multisig-based designs are no longer optional.
- **Digital risk:** adversaries increasingly exploit people and infrastructure, not just code; DPRK's TraderTraitor remains the most capable organized threat actor in this space.
- **Mitigation:** mature OPSEC, collaborative custody, and faster cross-industry responses (e.g., Beacon) can materially cut risk—if adopted widely.

> As Bitcoin developer **Jameson Lopp** has long cautioned, when value rises, determined adversaries follow. The task for 2025 and beyond is ensuring user security evolves just as quickly.

Bitcoin's deadly bull run: The 2025 security crisis

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[Bitcoin](https://hodlhodl.com/) has evolved significantly since [Satoshi Nakamoto's 2008 white paper](https://bitcoin.org/bitcoin.pdf), yet misconceptions persist. From accusations of being a pyramid scheme to claims that it's technologically obsolete, Bitcoin remains widely misunderstood. Let's examine five prevalent myths and separate fact from fiction.
![Bitcoin Is a Pyramid Scheme](https://zrhsczo76h2c.compat.objectstorage.eu-zurich-1.oraclecloud.com/hodlhodl-blog-production-mainnet/Bitcoin_Is_a_Pyramid_Scheme2_2f266e01e7.png)

## Myth #1: Bitcoin Is a Pyramid Scheme

Critics frequently claim Bitcoin operates as a financial pyramid where early adopters profit at the expense of newcomers. This fundamentally misunderstands how Bitcoin works.

Pyramid schemes transfer value from new participants to earlier ones without creating genuine utility. They collapse when recruitment slows because they produce nothing of value.

Bitcoin operates differently. It's an [open-source protocol](https://github.com/bitcoin/bitcoin) that enables peer-to-peer value transfer without intermediaries. The network doesn't require continuous recruitment to function. Bitcoin's value derives from its unique properties: fixed supply, censorship resistance, and permissionless access. Anyone can verify the code, run a node, or validate transactions. No central party controls who participates or benefits.

Bitcoin trades openly on global markets with transparent price discovery. Early adopters took substantial risk when Bitcoin had zero established value. Like any scarce asset gold, real estate, or art earlier acquisition at lower prices doesn't constitute a scam.
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## Myth #2: Bitcoin's Protocol Can Be Easily Changed

Some assume Bitcoin can be trivially modified or that copying its code creates equivalent value. Neither is accurate.

Bitcoin runs on a [decentralized network](https://bitnodes.io/) of over 17,000 independently operated nodes that enforce the protocol's rules. Changing Bitcoin's consensus rules requires convincing the vast majority of these node operators to upgrade their software - a process called a hard fork. This isn't something any individual or small group can impose.

The 2017 scaling debate demonstrated this resistance to change. Despite significant corporate and mining pressure, Bitcoin's base layer block size remained at 1MB because node operators rejected the change. The network split instead, creating Bitcoin Cash - a separate project with its own community and significantly lower value.

Yes, anyone can copy Bitcoin's code and launch an alternative. But they cannot copy the network effect, security budget, development talent, or 16+ years of battle-tested reliability. Like chess, you can change the rules, but you'll be playing a different game.
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## Myth #3: 21 Million Bitcoin Isn't Enough Supply

Critics argue Bitcoin's [fixed supply cap of 21 million BTC](https://bitcoin.org/bitcoin.pdf) creates scarcity problems. This ignores Bitcoin's divisibility.

Each bitcoin divides into 100 million units called satoshis (or "sats"). One satoshi represents 0.00000001 BTC. This allows Bitcoin to function at any scale—from billion-dollar settlements to micropayments worth fractions of a cent.

The entire 21 million supply represents 2.1 quadrillion satoshis. If needed, the protocol could add additional decimal places through a soft fork, though current divisibility appears sufficient for the foreseeable future.

The fixed supply isn't a limitation—it's a feature. Unlike fiat currencies subject to arbitrary expansion, Bitcoin's monetary policy is transparent and unchangeable. This predictability is core to its value proposition.
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## Myth #4: Bitcoin Is Obsolete Technology

Detractors claim Bitcoin is slow, outdated, and destined for replacement by "faster" alternatives. This confuses age with obsolescence and misunderstands Bitcoin's design priorities.

Bitcoin intentionally prioritizes security and decentralization over raw throughput. The ~10-minute block time and ~7 transactions per second on the base layer aren't bugs—they're design choices that allow anyone to run a full node on modest hardware, maintaining decentralization.

Bitcoin has proven remarkably resilient. The network has achieved [99.98% uptime](https://www.buybitcoinworldwide.com/bitcoin-uptime/) since 2009, surviving countless predicted "death" events, government hostility, and competition from thousands of alternatives. Time-tested reliability matters for a monetary network.

Bitcoin continues evolving through layer-two solutions:

**Lightning Network** enables instant, low-cost payments through payment channels. **Liquid Network** provides faster settlement for traders and exchanges. **RGB** enables smart contracts and asset issuance on Bitcoin. **ARK** offers improved privacy and scalability through virtual [UTXOs](https://hodlhodl.com/blog/en/mastering-bitcoin-mining-fees#the-role-of-utxos-in-fee-calculation).

These layers add functionality while preserving the base layer's security and decentralization. Simple, robust technologies endure precisely because they solve fundamental problems effectively.
![Governments Can Easily Ban Bitcoin](https://zrhsczo76h2c.compat.objectstorage.eu-zurich-1.oraclecloud.com/hodlhodl-blog-production-mainnet/Governments_Can_Easily_Ban_Bitcoin_1af092925e.png)
## Myth #5: Governments Can Easily Ban Bitcoin

Many assume governments can simply prohibit Bitcoin and eliminate its use. History suggests otherwise.

Bitcoin's architecture makes prohibition difficult to enforce. The network is [decentralized across every continent](https://bitnodes.io/), with no central servers to shut down. Transactions are pseudonymous, and users can exchange bitcoin peer-to-peer without intermediaries.

Several nations have attempted bans-China most prominently. Yet Bitcoin continues operating in these jurisdictions, and citizens still access the network through VPNs and peer-to-peer channels. [Hash rate data](https://www.blockchain.com/explorer/charts/hash-rate) shows the network has only grown stronger despite regulatory hostility.

Meanwhile, other governments are moving toward acceptance. El Salvador adopted bitcoin as [legal tender in 2021](https://www.bbc.com/news/world-latin-america-58382791), and several nations now hold BTC in strategic reserves. The regulatory landscape remains fragmented, but the trend increasingly favors accommodation over prohibition.

Banning Bitcoin doesn't eliminate demand-it drives activity underground and hands competitive advantage to more permissive jurisdictions. Governments increasingly recognize this reality.

## Conclusion

Bitcoin defies simplistic narratives. It's not a pyramid scheme but a neutral protocol for value transfer. It's not easily changed but deliberately resistant to modification. Its fixed supply isn't limiting but deliberately designed. Its technology isn't obsolete but proven reliable. And it's not easily banned but architecturally resistant to censorship.

After 16 years and countless predicted failures, Bitcoin continues operating exactly as designed—permissionless, decentralized, and increasingly difficult to ignore.

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 5 Common Myths About Bitcoin - Debunked

[Hodl Hodl](https://hodlhodl.com/), the global non-custodial marketplace for [Bitcoin-backed lending](https://lend.hodlhodl.com), today announced support for USDT and USDC settlements on Solana and Polygon. The update introduces faster, lower-fee rails for loan payouts and repayments while preserving Hodl Hodl’s Bitcoin-only collateral, self-custody, and multisig escrow model.

## Bitcoin-Only Collateral, Faster Stablecoin Settlement

Collateral on Hodl Hodl remains exclusively Bitcoin. With this release, borrowers and lenders can now settle loans and repayments in USDT or USDC via Solana or Polygon, enabling near-instant transfers with minimal network fees — without compromising the platform’s non-custodial design.

## Meeting Global Demand for Low-Fee, High-Speed Transfers

As Bitcoin-backed lending continues to grow, users increasingly seek cost-efficient, high-throughput settlement. Adding Solana and Polygon offers practical options for cross-border liquidity and operational speed, while the underlying collateral stays verifiable on Bitcoin and secured in multisig escrow.

## Strengthening a Privacy-Preserving, Non-Custodial Model

Hodl Hodl’s escrow contracts ensure neither party relinquishes control of funds during the loan term. The new settlement options expand user choice and efficiency while maintaining the platform’s focus on self-custody, transparency, and sovereignty.

Solana & Polygon Settlements for USDT and USDC

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Lend at Hodl Hodl Adds Solana & Polygon Settlements for USDT and USDC

## A Rare Constant in a Shifting Landscape

Among the growing sprawl of crypto expos and blockchain summits, **Baltic Honeybadger** remains a rare constant. Since its launch, the **Hodl Hodl**-organized conference has carved out a singular niche: no altcoins, no fluff, and no apologies for being Bitcoin-only.

In 2025, that ethos finds a kindred spirit in **[Debifi](https://debifi.com)**, which has stepped in as the event’s main sponsor.

## More Than a Sponsorship

**Debifi**, a platform built from the ground up for **non-custodial, Bitcoin-backed lending**, isn’t merely providing funds. It’s reinforcing the foundation. Through its use of **multisig escrow** and firm stance against **rehypothecation**, Debifi doesn’t just nod to Bitcoin values—it embodies them. It doesn’t trade trust for convenience. It doesn’t blur the lines. It builds where it counts: at the protocol’s edge.

Some might see the sponsorship as a brand play. **Debifi CEO Max Kei** sees something else:

> “Baltic Honeybadger is one of the few events that hasn’t sold out. That matters to us. Supporting it is not a branding exercise - it’s a way to stand with the part of this community that still believes in Bitcoin as it was meant to be: sovereign, secure, and non-negotiable.”

## A Shared Conviction

That clarity of purpose is echoed by **Hodl Hodl CEO Anna**, who sees in Debifi not just a partner, but a parallel:

> “We share a strong relationship with Debifi. Much like Baltic Honeybadger, this product is built by Bitcoiners, for Bitcoiners. Their decision to take the lead this year goes far beyond financial support - it’s a statement of conviction.”

As industry events continue to accommodate the broadest possible denominator -VC-backed tokens, regulatory flirtations, and whatever acronym is trending - **Baltic Honeybadger** stands firm. It doesn’t hedge. It doesn’t pivot. It hosts.

**Riga, Latvia. 2025.**  
Bitcoin isn’t on the sidelines. It’s at the center.
Learn more at [baltichoneybadger.com](https://baltichoneybadger.com)


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Debifi Becomes Main Sponsor of Baltic Honeybadger 2025

Buying bitcoin without identification has become more difficult. Regulations have tightened. Most platforms now demand government ID, facial scans, and access to your financial history. But Hodl Hodl operates differently. It offers peer-to-peer trading, and with it, the possibility of staying anonymous - if you know what you’re doing.

## What Is Hodl Hodl?

[Hodl Hodl is a non-custodial bitcoin exchange](https://hodlhodl.com/). It doesn’t hold funds. It doesn’t collect personal data. Trades are conducted through a two-of-three multisignature escrow system. This design leaves room for privacy, even in a regulatory landscape that discourages it.

## Why Hodl Hodl Still Matters

### Anonymity by Default

There is no identity verification. No biometric scans. No documents. Hodl Hodl doesn’t know who you are, and it doesn’t try to find out. It’s one of the few platforms that still permits users to remain anonymous.

### Versatile Payment Options

Hodl Hodl supports a wide range of payment methods, many of which offer routes to maintain privacy, including:

#### 🪙 Cryptocurrencies & Stablecoins

- [Bitcoin Lightning Network  ](https://lightning.network)
- [Liquid Bitcoin  ](https://liquid.net)
- DAI  
- USD Coin (USDC)  
- [Tether ](https://tether.to/en/)(USDT)  
- Binance USD (BUSD)  
- TrueUSD (TUSD)  
- Strike

#### 🏦 Bank Transfers

- Any national bank  
- SWIFT  
- Wise (formerly TransferWise)  
- N26  
- ZEN  

#### 💳 Cards & Digital Payments

- Revolut  
- Credit card  
- Google Pay  
- Apple Pay  
- Apple Gift Card  
- Paypal  
- Zelle  
- Venmo  
- Skrill  
- Neteller  


Different payment methods carry different levels of privacy risk. Choose accordingly.

### Built-In Escrow Protection

Bitcoin is locked in a multisignature contract. It is only released when both parties agree. Neither the buyer nor the seller can unilaterally take the funds. Hodl Hodl acts only as a dispute mediator.

### Reputation Matters

Each user has a public score based on completed trades. It’s not a gimmick. It helps filter bad actors. It’s your first line of defense.

### A Working Platform

Hodl Hodl has processed tens of thousands of trades since launch. The site is minimalistic. The infrastructure is sound. It does what it says it does.

## How to Use Hodl Hodl
<iframe width="560" height="315" src="https://www.youtube.com/embed/1dbqN5yjHJI" frameborder="0" allowfullscreen></iframe>


### 1. Register

- Visit [hodlhodl.com](https://hodlhodl.com)  
- Create a username  
- Set a password  
- No documents are required

### 2. Find a Seller

- Use filters to choose your preferred payment method  
- Sort by reputation  
- Avoid users with low or zero feedback

### 3. Open a Trade

- Click “Buy”  
- Enter how much bitcoin you want  
- Review the seller’s terms carefully

### 4. Make Payment

- Send the agreed fiat amount using the selected method  
- Mark the trade as “Paid” on the platform

### 5. Receive Bitcoin

- When the seller confirms payment, the escrow releases your bitcoin

## Post-Trade: Protect Your Privacy

### Use Privacy-Preserving Wallets

Withdraw to a CoinJoin-enabled wallet like Samourai or Wasabi. Mix your coins before long-term storage.

### Keep Wallets Separate

Never combine mixed funds with KYC-sourced bitcoin. Don’t reuse addresses. Avoid linking wallets across identities.

### Avoid Unsafe Networks

Always use secure, private connections. No cafés. No shared Wi-Fi.

## Conclusion

In an ecosystem increasingly hostile to financial privacy, Hodl Hodl remains one of the few platforms where anonymity is still viable. It’s not permissionless in theory - it is in practice. Use it with discipline. Understand your risks. And remember: if your identity leaks once, you don’t get to take it back.


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How to Buy Bitcoin Anonymously Using Hodl Hodl (2025 Guide)

## Financial Exclusion: A Systemic Barrier

Access to retail credit in much of the Global South is either limited or entirely absent. This isn’t accidental. It’s the result of structural obstacles that make it nearly impossible for ordinary people to borrow money, even in modest amounts. Whether due to informal employment, weak institutions, or the absence of credit history, millions are shut out of traditional lending systems by design, not chance.

## Informal Work and the Invisibility Problem

The bulk of employment in emerging economies takes place outside formal labor markets. Without payslips or bank-verified income, applicants cannot prove their creditworthiness. This absence of documentation reinforces exclusion: no proof, no loan. No loan, no progress.

## Where Banks Don’t Go

Entire regions exist in a kind of financial vacuum. Brick-and-mortar banks aren’t interested in servicing rural areas where infrastructure is poor, margins are thin, and risks are hard to price. The result: people have no way to access even the most basic financial products.

## Credit History: A Privilege, Not a Right

The concept of credit scoring assumes a person has interacted with the banking system long enough to leave a trace. In emerging markets, millions haven’t. Credit history doesn’t exist in many of these contexts — not because people are risky, but because the system doesn’t register them at all.

## The Bureaucratic Glass Wall

Even when retail banking is present, it often comes wrapped in layers of bureaucracy. Identification requirements, minimum deposits, and complex paperwork create barriers that many find impossible to navigate. Especially in countries where formal documentation itself is hard to come by.

## The Cost of Being Banked

For banks, serving low-income or geographically remote populations is expensive. Each customer costs more to onboard, support, and manage. This cost gets passed on through high interest rates, minimum balances, and fees — or leads to total neglect.

## The Financial Literacy Gap

Even if access were magically granted, the knowledge gap would persist. Most people in these regions have never taken out a loan. Concepts like compound interest or repayment terms are abstract, even intimidating. A misunderstanding here can lead to default — not from recklessness, but from confusion.

## Peer to Peer Lending: A Different Logic

Peer-to-peer lending doesn’t rely on institutional trust. It replaces the credit officer with a marketplace. Individual lenders connect directly with borrowers and negotiate terms. This model reduces overhead, lowers entry barriers, and allows for smaller, more flexible loan amounts.

## Types of Peer to Peer Loans

The P2P model is well-suited to a range of needs: personal loans for medical care, peer lending for education, peer to peer loans for home improvements or emergencies. Loan amounts vary, but the principle remains the same — individuals lending to individuals without going through a bank.

## Why This Matters in the Global South

In places where formal credit is inaccessible, peer to peer platforms offer a back door to inclusion. They allow people to borrow money based on their terms and needs. Peer p2p lending has the potential to build credit reputations outside traditional systems.

## Bitcoin as Collateral: A Game-Changer

Now add Bitcoin to the mix. A digital asset that anyone can acquire and hold, regardless of income, geography, or legal status. Bitcoin doesn’t require permission. It can be saved in tiny increments, secured with a password, and stored outside the reach of corrupt institutions.

## Permissionless, Verifiable, Liquid

What makes Bitcoin uniquely suited for this role is its nature. It’s global. It’s verifiable. It’s liquid. And unlike land deeds or identity documents, it can’t be forged, confiscated, or lost in a flood. As collateral, it’s remarkably efficient. If a borrower defaults, the lender gets their funds back — no courts involved.

## A Decentralized Credit Layer

Bitcoin-backed loans build a decentralized credit layer on top of an open monetary network. That’s not theory. It’s happening. People in Nigeria and Argentina are already borrowing against their Bitcoin to get access to local currency or stablecoins — often without ever touching a bank.

## Peer to Peer Lending Meets Bitcoin

Peer to peer lending, when fused with Bitcoin, becomes self-custodial and borderless. This isn't just fintech. It’s a new infrastructure for credit. No minimum credit score. No business bureau. No need to borrow money from centralized lenders who never show up anyway.

## Hodl Hodl: Infrastructure for the Unbanked

[Hodl Hodl](https://hodlhodl.com/) operates two platforms: a global, non-custodial Bitcoin exchange, and a peer to peer lending marketplace. Both are KYC-free. Both are privacy-preserving. Both are functional in places where the formal banking system is indifferent or broken.

## Bitcoin Lending Without Middlemen

On the Hodl Hodl lending platform, borrowers post Bitcoin as collateral and receive stablecoins or other assets from lenders. Loan amounts, durations, and interest rates are all negotiated directly. In case of default, Bitcoin is released back to the lender via a multisig contract.

## Why Privacy Matters

In underdeveloped markets, privacy isn’t just a luxury — it’s protection. For dissidents, activists, or even ordinary citizens living under authoritarian regimes, financial anonymity can be a matter of personal safety. Hodl Hodl’s refusal to collect personal data is not an oversight. It’s part of the design.

## Transparent Terms, No Prepayment Penalties

Unlike traditional banks, the platform offers simple, transparent fee structures. There are no prepayment penalties, no hidden clauses, no “gotcha” fine print. The loan is what the borrower and lender agree it is. Nothing more, nothing less.

## Incentives Are Aligned

Lenders want their collateral to be safe. Borrowers want to repay their loans and get their Bitcoin back. The system aligns these incentives without relying on external enforcement mechanisms. If the borrower defaults, the lender recovers their capital instantly. If the loan is repaid, both parties walk away better off.

## A Financial System That Starts With the Individual

This isn’t about replacing banks. It’s about bypassing them where they don’t work. P2P lending platforms like Hodl Hodl offer a way to bootstrap credit from the ground up. No central authority required. No need to wait for reforms that never come.

## Economic Resilience Through Self-Sovereignty

For many, Bitcoin-backed peer lending isn’t speculative. It’s survival. It’s a hedge against inflation. It’s a way to access short-term liquidity without selling long-term savings. It’s a method to unlock value from an otherwise static asset.

## The Long Arc of Financial Inclusion

Change in these regions won’t come from development grants or bank-sponsored outreach. It will come from new tools that people can use on their own terms. Peer to peer lending, backed by Bitcoin and facilitated by platforms like Hodl Hodl, is one such tool.

## Conclusion

Bitcoin doesn't just store value. It stores potential. When combined with peer to peer lending, it becomes a tool for economic mobility — especially in places that have historically lacked it. The Hodl Hodl platform isn’t solving all problems. But it’s building a structure where solutions are possible. And in a world where formal credit is still a closed door, that structure is nothing short of revolutionary.


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The Benefits of P2P Lending in Emerging Markets - and How Hodl Hodl Is Helping Make It a Reality

HODL HODL BLOG