GoMining has launched Instant Funds, a new feature that allows digital Bitcoin miner holders to access stablecoin liquidity without selling their mining assets or interrupting their reward generation. The platform lets users lock eligible NFT (non-fungible token) miners as collateral and receive USDT or USDC directly to their GoMining balance, while their miners continue producing Bitcoin rewards in the background.

How Does This Liquidity Feature Work for Miners?

The mechanics of Instant Funds are designed to give miners flexibility without forcing them to exit their positions. Users can access up to 30% of a miner's collateral value while retaining full exposure to ongoing Bitcoin production. Positions start at a minimum of $5 and are capped at $10,000 in aggregate per user, though there is no limit on the number of individual positions someone can open within that overall cap.

Each position runs for 30 days with 0% annual percentage rate (APR), meaning no interest accrues on the borrowed stablecoins. However, GoMining charges an origination fee ranging from 1.5% to 2.5% depending on the user's VIP level when a position opens and at every 30-day renewal. Positions automatically renew unless the user closes them manually.

What Happens If a Position Reaches Liquidation Risk?

The feature includes a defined liquidation mechanism to protect the platform and borrowers. If a position reaches a 60% loan-to-value threshold, it enters a seven-day buyback period during which the user can repay the borrowed funds. Importantly, any Bitcoin mining rewards generated after the position enters buyback, including during the buyback period and any subsequent auction period, are forfeited.

This structure creates a clear incentive for users to manage their positions actively and avoid liquidation, since the cost of losing future mining rewards can exceed the value of the borrowed stablecoins.

Steps to Access Instant Funds on GoMining

• Eligibility Requirements: Digital miners must have energy efficiency of 12 watts per terahash or better, be held in the user's platform wallet, and cannot be listed on GoMining's secondary marketplace or tied to an active Mine Now, Pay Later plan.
• Verification Process: Users must complete KYC (Know Your Customer) Level 1 verification to access Instant Funds, with eligible users in the European Economic Area able to access funds in USDC after completing required verification.
• Position Setup: Once verified, users can lock eligible miners as collateral and receive stablecoin liquidity directly to their GoMining balance while their miners continue generating Bitcoin rewards.

At launch, Instant Funds supports digital miners meeting the energy efficiency threshold, though GoMining stated it plans to expand eligibility over time, making additional miners available for the feature.

The introduction of Instant Funds reflects a broader shift in how mining operations access capital. Rather than forcing miners to choose between holding their assets or liquidating them for cash, this collateral-based borrowing model allows miners to maintain their exposure to Bitcoin production while accessing the liquidity they may need for operational expenses, equipment upgrades, or other business needs. The feature is now available through the GoMining app in supported markets.