We lend out responsibly from our community’s pool of assets. This means that we only do collateralized loans, and your coins are never “locked up” and you can withdraw at any time.
This being said, we get it, this sounds crazy. Keeping assets locked in one place may be the safest, but it’s not the smartest. Celsius is allowing the 99% to access the tools to earn a passive income previously held for the 1%. By lending out from our community’s pool, we are operating the same way any old-school financial institution would (plus most crypto exchanges and hot wallets). The difference is that instead of keeping the profits for ourselves and our shareholders, we distribute it to our community.