# How the test is going so far
Way back on November 6th this account "borrowed" **10,000** GLD tokens. Those tokens converted to Swap.Hive then Swap.LTC and were withdrawn for roughly $100 USD worth of value. That $100 USD converted to $141.12 CAD and was used to buy 7.7 shares of ZWQT ETF (yes my exchange allows fractional shares)

# A simple plan

# The idea is simple.

### Step #1: Take money from Hive. ### Step #2: Invest money off HIVE ### Step #3: Use dividends to repay HIVE

# A little add on
Now my chosen ETF pays 5.32%. In real world Canadian dollars that means $0.67 monthly. Borrowed in Canadian dollars $141.12. That means **17.5 Years** before the dividends will pay off the loan. On paper that looks pretty bad. But what if I use my Hive rewards to pay off the loan faster? Usually Hive rewards come in and they are so small it is hard to know what to do with them. I mean 0.5 Hive is too small to delegate, too small to withdraw and generally gets ignored until it build up. So, most people stake it or let it sit dormant. I just use it to pay back my loan. Two things happen when I do that. * **FIRST** I don't have to think about what to do with my reward AND * **SECOND** Those GLD tokens start making a weekly GLS payment so I increase my return. ![image.png](https://files.peakd.com/file/peakd-hive/gldloan.test/23vsrFxbbgPYxx5o26eqHzn5wK5yk5qgDPHEymtNBWBfwbLYyg64GmfLHdawbHYykdZxs.png) Since November that means I've purchased **5,228** GLD tokens so my loan is over 50% repaid and recently GLD started paying GLS rewards so that will mean the loan gets repair even faster. In addition I've started delegating my HP to @hivebbyftp and that delegation ***also*** gives me GLS rewards every week.

# Repaying the loan makes me regular income
Now most loans charge interest. This loan does not. Most loans you pay back the lender and your money is gone. This loan is not. I'm not giving the 10,000 GLD tokens back to @tergan ... The loan is considered **"Paid"** if I simply buy back 10,000 tokens and hold them. After I am holding 10,000 GLD tokens I hold the tokens AND they make me a regular weekly payment just for holding them. So...By borrowing the money and investing it in real world I get to hold an ETF (mine) and get regular dividends which I invest into HIVE so I increase my HIVE stake over time using dollar cost averaging. My HP has someone to delegate to for regular rewards to help pay off my debt. My liquid HP rewards can be converted into either HP (which I can delegate) or buy GLD going which give me a weekly return so dust has a good place to go. Once the loan is paid? ### Hold the GLD coin for weekly holder rewards OR ### Sell the coin to buy more real world investments and start the process again.

# Something seems off
If it seems unusual that is because it is. It absolutely does not fit **normal** borrow money and pay it back rules. But guess what, normal pay it back rules don't work on Hive. There is simply no way to enforce repayment. If you can't enforce repayment then everything breaks down. @monica-ene mentioned that others have tried Hive Loans and it has always been a bad idea. My idea is simple. I don't "enforce" payment I just make repayment feel like a good place to park your HP or HIVE rewards. ### Let's look from a loan perspective. If I say borrow $100 and pay me back $8/month and pay 10% interest that sounds like a regular loan. If I say borrow $100 ... Put the $100 into **your** bank account ... Get weekly return on **your** bank account balance ... When the $100 is back in **your** bank account the loan is repaid *for as long as you leave it there.* ... And if you want to take out the $100 that's fine, just put it back later ... With no minimum payment as long as you add something every month to ***your*** account. ### Your brain probably says: But the lender never got his money back! And you are right. ***Mostly*** Here's why the borrower doesn't lose but neither does the lender. When you buy GLD tokens you get them from @tergan (or @hiveabbyftp). If you get $10 worth of GLD tokens @tergan buys $10 HBD to back the GLD minted ***and gets 15% on the staked HBD***. The GLD weekly rewards are less than 15% and the difference is how @tergan isn't just giving money away for free. Don't understand it? Don't worry. Let's just say that it is profitable for the loan providers. Easy terms for the borrower and hopefully useful for HIVE in the long term.

# Actual money brought back into Hive
Since November I've also added 1 BTCI coin at $47.30 HBD/USD on Dec 10, 2025 |Date|Value|Stock Ticket|Swap.LTC|Swap.Hive|Hive| |---|---|---|---|---|---| |Feb 20,2026|0.89 CAD|BTCI| |Jan 23, 2026|1.22 CAD|BTCI| |Dec 25, 2025|1.36 CAD|BTCI| |Feb 4, 2026|0.67 CAD|ZWQT| |Jan 6, 2026|0.67 CAD|ZWQT| |Dec 2, 2025|0.67 CAD|ZWQT| |.|.|.|.|.|.| |Feb 23, 2026 Total|**$5.48**||$0.07|58.33|57.898|

# Only a test so far, but would like to loan out small amounts to others
Now I trust me so I have no issues loaning money to myself as a proof of concept. $100 HBD to myself... no problem. Other people? I don't trust them nearly as much. I'm almost 100% positive that most people would take the money and run. Which is why if I loan to others I'd start with a ridiculously small amount of $1 HBD (100 GLD) to start and then then increase it slowly over time. However, that is a topic for my next post :) Still, I'd like to get ideas from @ecohive, @dlmmqb, and @gwajnberg on the idea so far. Of course if I totally confused you with this post let me know so I can clarify for next time :) Thanks everyone.