GoMining cut the service fee on its Instant Funds feature on October 30, 2026, to between 2% and 1.5%. The old range was 2.5% to 1.5% for the product, which lets users draw stablecoins against BTC or digital miners.
Key Facts
- GoMining lowered the Instant Funds fee ceiling to 2% from 2.5%, and the 1.5% floor stays the same.
- Active positions switch to the lower fee at their next automatic renewal, according to the company.
- Digital miners pledged as collateral keep mining, and their Bitcoin rewards still go to the owner.
- GoMining says it serves more than 5.7 million users and ranks among the top 10 Bitcoin mining entities by hashrate.
GoMining trims the top of its fee range
Instant Funds gives users on-demand access to USDT or USDC with BTC or digital miners as collateral. Positions run on 30-day terms that renew automatically. GoMining charges a one-time service fee for each term, and the rate depends on the user’s VIP level, according to the company’s announcement.
The new schedule applies to all new positions. Existing positions get recalculated at the lower fee when they next auto-renew, so current users see the cut without opening anything new. The release describes no change to collateral limits or liquidation terms, so the change is about pricing alone.
That renewal structure is why half a percentage point matters. The fee attaches to each 30-day term. A position kept open for a year renews 12 times and pays the charge 12 times. Repeat users feel the change far more than someone who draws once and repays.
Pledged miners keep earning Bitcoin
GoMining’s digital miners are backed by real mining hardware and generate Bitcoin rewards every day, the company said. A miner placed as collateral keeps mining while the position is active, and its rewards keep accruing to its owner.
That detail sets the product apart from most crypto-backed credit. When Coinbase launched USDC loans for UK users in April 2026, borrowers pledged bitcoin, ether or cbETH. GoMining pledges hashrate instead, an asset that keeps paying out while it secures the draw. The company describes itself as one of the first platforms to let retail users access funds this way.
Size limits are modest. A user can receive up to 30% of a digital miner’s value, with draws starting from $5. Funds reach the GoMining balance in about a minute.
Vitalii Dudik, General Manager of Money Services at GoMining said:
Dudik’s title shows where Instant Funds sits. GoMining runs it beside a Visa crypto card, GoBTC Pay for merchants taking on-chain Bitcoin payments, and GoMining Travel for booking hotels with crypto. A miner marketplace completes the set, so digital miners are now an asset users can buy, sell or pledge for stablecoins.
The Bottom Line
The cheaper fee doesn’t change the exposure. Instant Funds carries a risk of collateral liquidation, and GoMining said the terms differ for BTC and digital miners. The announcement leaves several numbers out:
- The maximum share of value available against BTC, since the 30% cap covers miners?
- The value level that triggers liquidation for each collateral type?
- Which VIP levels pay 2% and which pay 1.5%?
- Which regions count as supported, beyond a note that the feature runs in the GoMining app?
Users with an open position may want to confirm their VIP tier and next renewal date. GoMining points them to the full Terms of Use, which set out the liquidation rules, before using the feature.
Every active position now carries a fixed checkpoint. Each reaches the end of its current 30-day term within a month of the change, and the new schedule applies from that renewal.
