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EMCD Coinhold is a crypto savings product built into one of the world's top-10 Bitcoin mining pools. Coinhold pays up to 14% APY on stablecoins and up to 8% APY on mined assets like BTC and LTC, with daily interest accruals and no fees for internal transfers. Founded in 2017, EMCD has grown from a single Bitcoin pool into a full-stack crypto ecosystem serving over 400,000 users across 80+ countries, with zero reported security incidents in its eight-year history.
This EMCD Coinhold review examines every angle of the platform in 2025: interest rates and terms, supported assets, fee structure, security infrastructure, the broader EMCD ecosystem, and how Coinhold compares to competing crypto earning products. Whether you are a miner looking to compound daily rewards or a holder seeking passive yield on idle crypto, this guide provides the specific numbers and analysis you need to make an informed decision.
EMCD Coinhold at a Glance
Before diving into the details, here is a quick overview of the key facts about EMCD and its Coinhold product.
| Feature | Details |
|---|---|
| Platform | EMCD (emcd.io) |
| Founded | 2017 |
| CEO | Michael Jerlis |
| Registered Users | 400,000+ |
| Team Size | 270+ across 27 countries |
| BTC Pool Hashrate | 34.11 EH/s (~2% of Bitcoin network) |
| Coinhold Max APY | Up to 14% (USDT/USDC), up to 8% (BTC/LTC/BCH/ETC) |
| Interest Accrual | Daily, paid out monthly |
| Security Track Record | Zero incidents since 2017 |
| Trustpilot Rating | 4.1/5 (180+ reviews) |
| Supported Coinhold Assets | BTC, LTC, BCH, ETC, USDT, USDC |
| Minimum Deposit (Stablecoins) | 100 USDT or 100 USDC |
| Minimum Deposit (Mining Coins) | No minimum |
| Internal Transfer Fees | $0 (free between EMCD wallet and Coinhold) |
| Awards | Best Mining Pool 2023, 2024, 2025; Best P2P Service 2024 |
| Mobile Apps | iOS (App Store) and Android (Google Play) |
What Is EMCD?
EMCD is a cryptocurrency ecosystem that combines mining, earning, storing, and trading in a single platform. The company launched as a Bitcoin mining pool in 2017 and has since expanded into a comprehensive crypto-fintech platform. EMCD operates one of the world's top-10 Bitcoin mining pools with a hashrate of approximately 34.11 EH/s, contributing roughly 2% of the total Bitcoin network hashrate.
The platform's ecosystem includes four core products: a multi-coin mining pool supporting seven proof-of-work cryptocurrencies, the Coinhold savings wallet with yields up to 14% APY, a multicurrency wallet supporting 14 digital assets, and a peer-to-peer trading service with zero fees. EMCD also offers ancillary services including custom ASIC firmware, a mining hardware shop, hosting services, and a white-label mining pool solution.
Under the leadership of founder and CEO Michael Jerlis, EMCD has grown to a team of over 270 employees distributed across 27 countries. The platform has earned multiple industry awards, including Best Mining Pool at the FinanceFeeds Awards 2025, TerraCrypto Awards 2024, Crypto.ru Awards 2023, and Blockchain Life 2021, as well as Best P2P Service at the Crypto Awards 2024.
How Coinhold Works
Coinhold is EMCD's crypto savings product that functions as an accumulative wallet with structured interest returns. It is not a banking product, staking service, or DeFi protocol. Instead, deposited funds serve as liquidity for internal exchanges within the EMCD ecosystem, which is how the platform generates the yield it pays to Coinhold users.
The mechanics are straightforward: you deposit supported cryptocurrency into a Coinhold wallet, select a term and withdrawal flexibility, and earn daily interest that is credited to your account every 30 days. EMCD reports that Coinhold users have collectively earned over $68 million in returns since the product launched.
Supported Assets and Interest Rates
Coinhold supports six cryptocurrencies across two tiers: mining coins (BTC, LTC, BCH, ETC) and stablecoins (USDT, USDC). Interest rates vary based on the asset type and whether you choose a fixed or flexible term.
| Asset | Fixed Term APY (No Early Withdrawal) | Flexible Term APY (Partial Withdrawal Allowed) |
|---|---|---|
| Bitcoin (BTC) | 6% - 8% | 3% - 6% |
| Litecoin (LTC) | 6% - 8% | 3% - 6% |
| Bitcoin Cash (BCH) | 6% - 8% | 3% - 6% |
| Ethereum Classic (ETC) | 6% - 8% | 3% - 6% |
| Tether (USDT) | 8% - 14% | 5% - 10% |
| USD Coin (USDC) | 8% - 14% | 5% - 10% |
The "+2%" boost mentioned on the Coinhold page applies to fixed-term deposits where you agree to lock funds for the full duration without early withdrawal or closure. This higher rate compensates for the reduced liquidity.
Fixed vs. Flexible Terms
Coinhold offers two distinct account types that represent a clear trade-off between yield and liquidity:
Fixed-term accounts offer higher APY rates but do not allow partial withdrawals or early closure. Your funds are locked until the selected term expires. This option is best suited for long-term holders or miners who do not need immediate access to their earnings.
Flexible-term accounts provide lower APY rates but allow partial withdrawals at any time. Any withdrawal or closure request is processed over a 24-hour period during which the withdrawal amount is frozen. This option works well for users who want to earn yield while maintaining access to their funds.
There is an important operational detail: after any deposit or withdrawal, your Coinhold balance must remain unchanged for 24 hours before interest accrual resumes. This stabilization period prevents users from gaming the system with frequent deposits and withdrawals.
Auto Top-Up From Mining
One of Coinhold's most practical features is the automatic top-up from your EMCD mining account. You can configure a percentage between 1% and 100% of your daily mining rewards to be sent directly to Coinhold. This creates a passive compounding loop: mine cryptocurrency, automatically deposit into Coinhold, earn daily interest on the growing balance, and repeat.
This integration between the mining pool and Coinhold is a key differentiator. Miners on competing pools would need to manually withdraw rewards, transfer them to a separate earning platform, and pay additional network fees in the process. With EMCD, the entire flow is internal and fee-free.
EMCD Mining Pool
Understanding the EMCD mining pool is essential context for evaluating Coinhold, because the two products are deeply integrated. The mining pool is the foundation of the EMCD ecosystem and the primary source of new capital flowing into Coinhold.
Supported Coins and Reward Models
EMCD operates mining pools for seven proof-of-work cryptocurrencies, each using a reward model optimized for that specific blockchain's characteristics.
| Cryptocurrency | Algorithm | Reward Model | Minimum Payout |
|---|---|---|---|
| Bitcoin (BTC) | SHA-256 | FPPS | 0.001 BTC |
| Bitcoin Cash (BCH) | SHA-256 | FPPS | 0.001 BCH |
| Litecoin (LTC) | Scrypt | PPS+ | 0.01 LTC |
| Dash (DASH) | X11 | PPS+ | 0.01 DASH |
| Dogecoin (DOGE) | Scrypt | PPLNS | 1 DOGE |
| Ethereum Classic (ETC) | Etchash | PPLNS | 0.01 ETC |
| Kaspa (KAS) | kHeavyHash | PPLNS | 1 KAS |
The use of different reward models for different coins is a thoughtful design choice. FPPS (Full Pay Per Share) provides the most predictable income for BTC and BCH miners by paying both share value and transaction fees. PPS+ separates share rewards from fee income for slightly more variable but potentially higher returns. PPLNS (Pay-Per-Last-N-Shares) rewards miners based on recent contributions when a block is found, leading to higher but less predictable earnings.
EMCD also supports merged mining, allowing miners to mine Litecoin and Dogecoin simultaneously without splitting hashrate. This dual-mining capability effectively doubles the number of reward streams from a single set of hardware.
Pool Fees and VIP Conditions
The standard EMCD mining pool fee is 1.5% across all coins, which is competitive relative to major pools like Foundry USA (2.0%), F2Pool (2.5%), and Antpool (1.0-4.0%). Notably, EMCD has offered promotional zero-fee mining periods and can reduce the fee to 0% when miners store rewards in Coinhold, effectively subsidizing the pool fee through the Coinhold product.
Miners with high hashrate can negotiate VIP conditions with custom fee structures by contacting EMCD directly. The pool also covers transaction fees during payouts, meaning miners receive their full reward minus only the pool commission.
Mining Infrastructure
EMCD operates mining pool servers across three geographic regions: North America, Europe, and Asia. This global distribution ensures low-latency connections for miners worldwide. Daily payouts are processed between 16:00 and 17:00 GMT+3, and miners can track operations through the EMCD dashboard, a dedicated Telegram bot for real-time alerts, or the Watcher-link monitoring tool that provides worker statistics without requiring full account access.
The platform also provides exclusive custom firmware for Antminer ASIC devices through a partnership with Vnish. This firmware optimizes power consumption, improves hardware stability, enables controlled overclocking, and adds security features including antivirus protection.
EMCD Wallet
The EMCD Wallet is the central hub that connects mining, Coinhold, and P2P trading. It supports 14 digital assets: BTC, BCH, LTC, ETH, ETC, DASH, USDT, USDC, DOGE, TON, AVAX, MATIC, KAS, and NOT. The wallet is available on iOS, Android, and web.
Withdrawal Fees and Processing Times
A standout feature of the EMCD Wallet is fee-free withdrawals for Bitcoin, Bitcoin Cash, and Litecoin to external wallets, processed within 24 hours. For faster processing (approximately 60 minutes), a small fee applies.
| Cryptocurrency | Free Withdrawal (24h) | Fast Withdrawal Fee (~60 min) | Stablecoin Withdrawal Fee (~5 min) |
|---|---|---|---|
| Bitcoin (BTC) | $0 | 0.0005 BTC | N/A |
| Bitcoin Cash (BCH) | $0 | 0.001 BCH | N/A |
| Litecoin (LTC) | $0 | 0.0017 LTC | N/A |
| Tether (USDT) | N/A | N/A | $1.00 |
| USD Coin (USDC) | N/A | N/A | $1.00 |
Transfers between the EMCD Wallet and Coinhold are completely free, with no blockchain fees since both operate within the same internal infrastructure. The wallet also includes a built-in exchanger for converting crypto to fiat currencies (Visa/Mastercard), and users can configure automatic mining withdrawals so rewards flow directly into the wallet without waiting for the standard payout window.
P2P Trading
EMCD's peer-to-peer trading service supports over 90 fiat-crypto pairs with zero trading fees. Users can exchange BTC, BCH, ETH, LTC, USDT, and USDC for fiat currencies including USD, EUR, CNY, AED, VND, IDR, and over ten others. Payment methods include credit/debit cards, bank transfers, SBP, and Raiffeisenbank, with sellers able to specify up to five different payment methods per offer.
The P2P platform includes a dispute resolution system and an "Inactive Mode" feature that automatically unpublishes offers during specified hours, preventing accidental trades when the seller is unavailable. The service won Best P2P at the Crypto Awards 2024.
Security and Trust
Security is where EMCD makes one of its strongest cases. The platform reports zero security incidents since its founding in 2017, which is a notable track record across eight years of operation in an industry plagued by hacks and exploits.
Five-Pillar Security Approach
EMCD employs a holistic five-pillar security framework: identify, protect, detect, respond, and recover. This proactive approach focuses on detecting potential issues before they materialize. Key security measures include:
- Dedicated CISO (Chief Information Security Officer) overseeing all security operations
- CSIRT (Cyber Security Incident Response Team) on permanent standby
- SIRMP (Security Incident Response Management Plan) for rapid reaction
- ISO 27000 compliance for information security management
- AML/CTF compliance with continuous transaction monitoring
- Mandatory two-factor authentication (2FA) for all accounts
- TLS encryption with advanced encryption algorithms
- Hot and cold wallet distribution for asset storage
- Regular independent security audits and penetration testing
The platform's KYC/AML procedures ensure regulatory compliance while its asset management practices classify and protect user funds at the highest level. External services undergo detailed security and privacy evaluations before integration.
How Coinhold Generates Yield
Understanding where yield comes from is critical when evaluating any crypto earning product. EMCD is transparent about this: funds deposited into Coinhold are used as liquidity for internal exchanges within the EMCD ecosystem. This is fundamentally different from platforms that lend user funds to third-party DeFi protocols or invest in high-risk trading strategies.
By keeping funds within its own infrastructure and using distributed storage with custodian services, EMCD reduces counterparty risk. The yield is generated from the spread on internal exchange operations rather than from leveraged trading or external lending, which is a significantly lower-risk model.
EMCD Coinhold Pros and Cons
| Pros | Cons |
|---|---|
| Up to 14% APY on stablecoins, up to 8% on BTC | Limited to 6 supported Coinhold assets |
| Daily interest accruals with monthly payouts | 24-hour stabilization period after deposits/withdrawals |
| Zero fees for internal transfers to/from EMCD wallet | Fixed-term accounts do not allow early withdrawal |
| Auto top-up from mining rewards (1-100%) | Does not support ETH, SOL, or other popular assets |
| Yield sourced from internal liquidity, not DeFi | Ecosystem-centric design encourages staying within EMCD |
| Zero security incidents since 2017 | Pool hashrate smaller than largest global competitors |
| No minimum deposit for mining coins | 100 token minimum for USDT/USDC deposits |
| Integrated with top-10 BTC mining pool | Limited fiat on-ramp options (EMCD Card coming soon) |
How EMCD Coinhold Compares to Alternatives
To put Coinhold's rates in context, here is how it compares to other crypto earning platforms available in 2025.
| Platform | Max BTC APY | Max Stablecoin APY | Supported Earn Assets | Mining Integration | Internal Transfer Fees |
|---|---|---|---|---|---|
| EMCD Coinhold | Up to 8% | Up to 14% | 6 | Yes (top-10 pool) | $0 |
| Nexo | Up to 7% | Up to 14% | 40+ | No | Free (limited) |
| YouHodler | Up to 5% | Up to 12% | 50+ | No | Free (internal) |
| Binance Earn | Up to 3% | Up to 10% | 300+ | Yes (Binance Pool) | $0 |
| Crypto.com Earn | Up to 4% | Up to 8% | 20+ | No | Free (internal) |
| Ledn | Up to 3% | Up to 9% | 4 | No | Free (internal) |
EMCD Coinhold stands out with the highest BTC APY among the platforms compared and matches top competitors on stablecoin yields. Its unique advantage is the direct mining pool integration, which creates a seamless earn-and-compound workflow that no standalone earning platform can replicate. The trade-off is a smaller selection of supported assets compared to broader platforms like Nexo or Binance.
Who Is EMCD Coinhold Best For?
EMCD Coinhold is best suited for three specific user profiles:
Active miners who already operate on the EMCD pool or are considering joining will get the most value from Coinhold. The auto top-up feature and zero internal transfer fees create a frictionless compounding loop that is not available on any competing mining pool.
Long-term BTC holders looking for above-average yield on Bitcoin will find Coinhold's 6-8% BTC APY compelling compared to the 3-5% typically offered by major exchanges and lending platforms.
Stablecoin yield seekers wanting competitive rates without DeFi risk benefit from Coinhold's 8-14% USDT/USDC yields generated through internal liquidity operations rather than external protocol exposure.
Coinhold is less ideal for users who need a wide variety of supported assets, want to earn on ETH or SOL specifically, or prefer fully non-custodial solutions.
How to Get Started With EMCD Coinhold
Setting up a Coinhold account is straightforward and can be completed in a few minutes:
- Create an EMCD account at emcd.io using your email address. Set a strong password and enable mandatory two-factor authentication.
- Fund your EMCD Wallet by depositing supported cryptocurrency or purchasing via the P2P marketplace.
- Open a Coinhold wallet from the Coinhold section. Select your asset, choose between fixed or flexible terms, and enter your deposit amount.
- Configure auto top-up (optional) if you are mining on EMCD. Navigate to mining settings and set the percentage of daily rewards to automatically transfer to Coinhold.
- Monitor your earnings through the EMCD dashboard or mobile app. Interest accrues daily and is paid to your account every 30 days.
For stablecoin deposits, you must maintain a minimum balance of 100 USDT or 100 USDC. Mining coin deposits have no minimum requirement.
Recent Developments and Roadmap
EMCD continues to expand its ecosystem with several notable developments in 2025:
- EMCD Card: A physical and virtual card issued in partnership with a licensed provider, allowing users to spend USDT directly from their EMCD Wallet at any Visa or Mastercard merchant. Users can top up the card from Coinhold rewards or mining income. The card is currently on waitlist.
- Spotlight Launchpad: A platform for launching new token projects with PR, influencer campaigns, and direct access to EMCD's active user base. Coinhold users can reinvest yield into Spotlight projects without leaving the ecosystem.
- Zero-fee mining promotions: EMCD has periodically offered 0% pool fees, and miners who store rewards in Coinhold can effectively reduce their pool fee to 0%.
- Complex mining service: A turnkey mining solution where EMCD handles setup, optimization, and maintenance for non-technical users.
- Continued hashrate growth: The BTC pool has grown from 14 EH/s to over 34 EH/s, reflecting significant infrastructure investment.
EMCD Coinhold Review: Verdict
EMCD Coinhold is a compelling crypto savings product, particularly for users already engaged in proof-of-work mining. Its core strength is the seamless integration between mining, earning, and wallet services within a single ecosystem. The up-to-14% APY on stablecoins and up-to-8% APY on Bitcoin are among the highest available from a centralized platform in 2025, and the transparent yield generation model (internal liquidity rather than DeFi exposure) offers a lower-risk profile than many competitors.
The eight-year track record with zero security incidents, ISO 27000 compliance, and a dedicated cybersecurity team provide meaningful trust signals. The platform's auto top-up feature for miners creates genuine compounding advantages that standalone earning products cannot match.
The main limitations are the narrow selection of supported Coinhold assets (only six coins), the ecosystem-centric design that incentivizes keeping funds within EMCD, and the 24-hour stabilization period that reduces flexibility. Users who need broad asset support or fully decentralized solutions should look elsewhere.
For miners and long-term holders of BTC, LTC, BCH, or stablecoins, EMCD Coinhold delivers strong yields within a well-secured, integrated platform backed by one of the most established mining operations in the industry.
Frequently Asked Questions
What is EMCD Coinhold?
EMCD Coinhold is a crypto savings wallet that pays up to 14% APY on stablecoins (USDT and USDC) and up to 8% APY on mining coins (BTC, LTC, BCH, and ETC). It is built into the EMCD ecosystem, which includes one of the world's top-10 Bitcoin mining pools. Interest accrues daily and is credited to your account every 30 days. Deposited funds are used as liquidity for internal exchanges within EMCD rather than being lent to external DeFi protocols.
Is EMCD Coinhold safe?
EMCD has maintained zero security incidents since its founding in 2017, which spans over eight years of operation. The platform employs a five-pillar security framework, maintains ISO 27000 compliance, requires mandatory 2FA, employs a dedicated CISO and Cyber Security Incident Response Team, and distributes user assets across hot and cold wallets. While no crypto platform can guarantee absolute safety, EMCD's track record and security infrastructure are among the strongest in the industry.
How does Coinhold generate yield?
Coinhold generates yield by using deposited funds as liquidity for internal exchange operations within the EMCD ecosystem. This model is distinct from platforms that lend user funds to third-party DeFi protocols or engage in leveraged trading. The yield comes from the spread on internal transactions, which represents a lower-risk approach to generating returns compared to external lending or DeFi farming strategies.
What is the difference between fixed and flexible Coinhold accounts?
Fixed-term Coinhold accounts offer higher APY rates (up to 14% for stablecoins, up to 8% for mining coins) but do not allow partial withdrawals or early closure. Flexible-term accounts provide lower rates (up to 10% for stablecoins, up to 6% for mining coins) but allow partial withdrawals at any time, with a 24-hour processing period for withdrawal requests. Choose fixed if you do not need access to funds before the term ends, and flexible if you want the option to withdraw early.
Can I automatically send mining rewards to Coinhold?
Yes. EMCD allows miners to configure automatic daily transfers from their mining account to Coinhold. You can set any percentage between 1% and 100% of your daily mining rewards to be automatically deposited into Coinhold. This creates a passive compounding loop where mined cryptocurrency immediately begins earning interest, and the transfer is fee-free since both services operate within the same EMCD infrastructure.
What are the fees for using EMCD Coinhold?
There are no fees for transfers between your EMCD wallet and Coinhold, and no fees for the Coinhold service itself. The only fees in the broader EMCD ecosystem relate to mining pool commissions (starting at 1.5%) and external wallet withdrawals (free for BTC, BCH, and LTC within 24 hours, or a small fee for faster 60-minute processing). Stablecoin withdrawals to external wallets cost $1.00.
What is the minimum deposit for Coinhold?
For stablecoins (USDT and USDC), the minimum Coinhold balance that must be maintained is 100 tokens. For mining coins (BTC, LTC, BCH, and ETC), there is no minimum deposit requirement. This makes Coinhold accessible to miners of all sizes, who can begin earning interest on even small daily payouts.
How does EMCD compare to other mining pools?
EMCD operates a top-10 Bitcoin mining pool with approximately 34.11 EH/s of hashrate, contributing around 2% of the total Bitcoin network. Its standard pool fee of 1.5% is competitive with major pools. Where EMCD differentiates is the integrated ecosystem: miners can automatically compound rewards through Coinhold at up to 8% APY on BTC, use zero-fee P2P trading, and manage everything from a single account. Most competing pools offer only mining services without built-in earning or trading products.
Does EMCD have a mobile app?
Yes. EMCD offers native mobile applications for both iOS (available on the Apple App Store) and Android (available on Google Play). The app provides full access to mining pool management, the EMCD Wallet, Coinhold savings, P2P trading, and real-time monitoring of mining operations. The app maintains a 4.9 rating on app stores.
Is EMCD available in my country?
EMCD operates in over 80 countries worldwide, with mining pool servers located in North America, Europe, and Asia. The platform supports multiple languages and offers 24/7 live support. P2P trading supports over 90 fiat-crypto pairs across currencies including USD, EUR, CNY, AED, VND, and IDR. Availability of specific features may vary by jurisdiction due to local regulations.
