For investors, how should one choose between Bitcoin's long-term advantages and altcoins' short-term gains?
Trump's victory in the U.S. election in early November reignited a long-awaited bull market for the crypto sector, driving Bitcoin to repeatedly break new all-time highs. With Trump recently appointing several crypto-friendly figures to his cabinet and SEC Chair Gary Gensler announcing his resignation, the crypto community has grown increasingly optimistic about the industry’s long-term outlook. As 2025 approaches, many prominent figures in the crypto space are expressing bullish sentiments—Arthur Hayes, for example, predicts that Bitcoin could reach $250,000 by the end of next year.
The arrival of the bull market is also evident in the surge of altcoins. For a prolonged period, altcoins had remained largely stagnant, with most significantly underperforming compared to Bitcoin. Recently, however, they have not only caught up but in some cases outpaced Bitcoin’s gains. According to data from Quantify Crypto, as of November 26, over 180 of the top 200 non-stablecoin cryptocurrencies by market cap posted price increases in the past month, with more than 60 achieving gains of at least 50%. This broad-based strength marks a genuine bull market, creating abundant opportunities for investors to capitalize.
This year, Bitcoin has gained increasing acceptance in mainstream markets, with its attributes as a global long-term store of value and hedge against inflation becoming widely recognized. As a result, many—especially high-net-worth investors—have reached a consensus on holding Bitcoin over the long term. Crypto KOL Phyrex, analyzing on-chain data, noted that during recent Bitcoin price surges, holdings among high-net-worth investors (those owning more than 10 BTC) have been rapidly increasing. Moreover, if Trump fulfills his campaign promise to establish a national Bitcoin strategic reserve, Bitcoin’s safe-haven status would be further enhanced.
At the same time, high-quality altcoins remain an excellent avenue for investors seeking higher returns. Beyond the recent wealth creation seen in new sectors like AI Meme coins, many established projects have also performed strongly. DOGE—the original Meme coin—and legacy assets such as XRP and LTC have all outperformed Bitcoin in terms of 7-day gains. For investors, this raises a key question: should they focus on Bitcoin’s long-term advantages or pursue short-term gains from altcoins?
Recently, cryptocurrency exchange HTX announced the upcoming launch in December of a new flexible, dynamic-interest staking loan product, offering a solution that allows investors to have the best of both worlds. Through HTX’s staking loan service, users can borrow funds at market-driven interest rates while retaining their Bitcoin or other long-term holdings, enabling continued investment and improved capital efficiency to maximize returns. In addition to USDT, the product supports borrowing Bitcoin and Ethereum, giving users greater flexibility.
Lending services have long existed in the crypto industry, with numerous solutions available across both centralized and decentralized platforms. To stand out in a competitive landscape, HTX has equipped its new product with multiple advantages. First, the flexible staking loan product offers high collateralization ratios and charges zero fees, lowering the barrier to entry. Users enjoy full flexibility with instant borrowing and repayment based on their needs. Second, the product imposes no lending limits, capable of meeting the demands of even the highest-net-worth clients. Additionally, the dynamic interest rate mechanism ensures consistently competitive rates across the industry. In short, HTX users can borrow larger amounts at lower costs and with superior flexibility.
To reward user support, HTX has launched a special pre-registration campaign for loan quotas. Users who fill out and submit the
pre-registration form and successfully secure a USDT flexible loan quota will receive a 10% discount on USDT loan interest rates throughout December upon the product’s official launch. Currently, over half of the total 50 million USDT quota has already been reserved—investors with lending needs should act quickly to claim their share of these benefits.
In fact, the strengths of HTX’s flexible staking loan product extend beyond the product itself to the HTX platform as a whole. As one of the industry’s most security-focused exchanges, HTX implements robust security and transparency measures to safeguard all user funds—including collateral. At the same time, HTX offers a diverse range of exchange services catering to various investment needs. For instance, its listing program, guided personally by HTX Global Advisor Justin Sun, has extensive experience identifying high-potential new tokens. Through recent initiatives like the “
Golden Dog Program,” HTX has listed multiple new coins within the past month that have surged over 500%. Another example is the industry-first “
YuBit Vault,” which provides up to 6% annualized yield on idle USDT assets in users’ futures accounts, enhancing both user experience and profitability for traders. Furthermore, HTX demonstrates strong sensitivity to market trends, frequently launching themed campaigns around promising assets—the ongoing “DOGE Mania Month” being a prime example. During the campaign, users trading DOGE have the chance to win additional rewards. As such, users can complete the entire cycle—from borrowing to investing and repayment—all within HTX, streamlining processes while unlocking more profit opportunities.
As 2024 draws to a close, HTX is delivering year-end gifts to users through continuous product optimization and innovation. If this momentum continues, this bull market may become the springboard for HTX’s next phase of growth.