How to Take Profits From Crypto Without Selling Using Quartzpay In 2025 (Simplified Guide)

9 min readFeb 18, 2025

How To Take Profit From Crypto Without Selling.

You’ve been investing in crypto for a long time, but you keep missing out on substantial gains from coins that have gone parabolic (e.g., BONK, PNUT or even SOL) due to your inability to HODL (Hold On for Dear Life).

However, this usually happens when you need cash to pay bills, buy groceries, or simply want to take your crypto profit early, only to watch the price double or triple after selling.

What if you had the opportunity to take profits from your crypto investment without actually selling your assets? This way, you can enjoy your crypto profit while still retaining the initial quantity of your crypto asset.

In this article, we’ll explore when and how to take profit from crypto, and also guide you on how to take profits from crypto without selling using Quartzpay.

When To Take Profits From Crypto

Taking profits in crypto is very important for managing risk and ensuring that you maximize gains. But sometimes, it can be difficult to know when to take profits from crypto.

If you want to know the right time to take profit from crypto, here are some key factors you should consider:

Consider Market Cycles

Crypto moves in cycles: bull markets and bear markets.

Bull markets bring exponential gains, while bear markets wipe out unprepared investors.

So, understanding where the market is in its cycle helps you determine when to take profits from crypto.

Here are brief insights:

In a bull market, consider taking partial profits when prices skyrocket to secure gains.
In a bear market, avoid panic selling. Instead, explore ways to hold your assets while accessing cash.

Set Profit Targets

Ensure to set clear price targets and exit strategies in advance. Some common crypto profit target approaches include:

Percentage-based selling: This is when you sell a fixed percentage (e.g., 25%) when an asset hits a predetermined price.

Let’s say you used $100 to invest in $SOL at the market price of $200, which you’re expecting to grow over time. Instead of trying to time the market perfectly, you then decide on a time-based exit strategy where you take profits at regular intervals.

For instance, you could set a plan using these two approaches:

Exit 25% of your holdings every six months if SOL shows steady growth.
Exit completely after three years, regardless of price, to lock in long-term profits.

This approach helps you to prevent emotional decision-making, reduces the risk of holding too long, and ensures you secure profits over time.

Time-based exits: This profit target approach lets you take crypto profits over a set period instead of taking all profit at once.

For instance, if you bought $ETH at $1,500, and your goal is to secure profits without completely selling all your ETH holdings position too early.

With a percentage-based selling strategy, you set predetermined profit targets and sell a portion of your ETH holdings at each level.

Here’s an example:

Sell 20% when ETH reaches $2,000.
Sell 30% when ETH hits $3,000.
Sell 50% when ETH reaches $4,000.

What this strategy does for you is that it ensures that you take profit from your crypto investment at different price points while keeping a portion of your holdings to benefit from future price increases.

It’s a great strategy if you want to avoid regret from selling too early or too late and also balances risk with reward.

How to Take Profit from Crypto

So once you’ve mapped out your take profit strategy; the next thing you'd want to know is how you can take profit from your crypto investment.

Here are two different methods you can use to take profit from crypto:

Centralized Exchange Method

The most common way to take profits is by selling crypto on an exchange. This only applies if you bought the crypto asset on a centralized exchange on spot; what you just have to do is to navigate to the spot trading page and switch to “sell.”

You can as well select the “%” amount of the crypto asset you want to sell.

P.S: We used Bybit exchange in the illustration below.

Decentralized Exchange Method

If you bought a crypto asset on a decentralized exchange (DEX) such as Jupiter exchange or Uniswap, you're required to take profit from crypto through swapping.

So when you've made some profit on your crypto, you can navigate to the AMM Dapp (e.g Jupiter) swap page and convert your crypto to USDC or SOL (the native coin of the Solana Blockchain that Jupiter was built on).

However, if you want to convert your SOL or USDC to fiat currency, you need to send them to a centralized exchange such as Bybit exchange, and sell the USDC or SOL to fiat via P2P or any other methods available on the exchange platform.

P.S: We used Jupiter swap (a leading AMM on Solana) in the illustration below.

Pros And Cons of Using Centralized (Cex) And Decentralized Exchange (Dex) For Taking Profits From Crypto

Using decentralized or centralized exchange methods to take profit from crypto comes with advantages and disadvantages. Let's explore some of the pros and cons below:

Pros and Cons of Using Centralized Exchange (CEX) to Take Profit From Crypto

Pros:

Convenience – Easy to sell on centralized exchanges with a few clicks.
Liquidity – Major exchanges offer high liquidity, ensuring quick transactions.
Fiat Conversion – Directly withdraw profits to a bank account in local currency.
Security (to an extent) – Reputable exchanges have security measures like 2FA and insurance funds.

Cons:

High Transaction Fees – Trading fees and withdrawal charges can eat into profits.
KYC/Regulatory Compliance – Users must complete identity verification, affecting privacy.
Tax Implications – Selling on an exchange often triggers capital gains tax.
Risk of Missed Gains – Once sold, the user loses exposure to potential future price increases.
Custodial Risk – Funds are at risk if the exchange gets hacked or freezes withdrawals.

Pros and Cons of Using Decentralized Exchange (CEX) to Take Profit From Crypto

Pros:

More Privacy – No KYC requirements, which allows for pseudonymous trading.
Lower Fees (Usually) – AMM swaps generally have lower fees than centralized exchanges.
More Control – You hold your private keys, which reduces third-party risks.
Fast & Flexible – Directly swap tokens without withdrawal delays.

Cons:

Fiat Conversion Limitation – To cash out, users must still use a centralized exchange.
Lower Liquidity for Some Assets – Some trading pairs might have lower liquidity; which could lead to slippage.
Smart Contract Risks – Vulnerabilities in DEX smart contracts could lead to losses.
Complex for Beginners – Users need knowledge of wallets, gas fees, and blockchain networks.

This brings us to Quartzpay — a DeFi solution that lets you take profits from crypto without selling, and also allows you to spend your crypto with no hassle.

How To Take Profit From Crypto Without Selling Using Quartzpay

Many crypto investors struggle with a common issue: selling their crypto too early and potentially missing out on future price increases.

Quartzpay solves this problem by enabling users to take profit from crypto without selling, and also allowing them to spend their crypto seamlessly, which helps crypto investors to retain asset ownership while accessing liquidity through crypto-backed loans and a non-custodial Visa card.

What Is Quartzpay?

Quartzpay is a decentralized application (DApp) built on Solana Blockchain that allows crypto holders to borrow against their crypto assets instead of selling.

This means that users can retain ownership of their crypto while accessing stablecoins for real-world spending.

Unlike traditional lending platforms or centralized crypto exchange platforms, Quartzpay is non-custodial, which means users retain full control of their funds without relying on a centralized entity.

The key innovation of Quartzpay is its crypto-backed Visa card, which allows seamless spending of borrowed funds anywhere Visa is accepted; without requiring conversion to fiat.

How Quartzpay Works

Quartzpay provides you with various features and benefits that enables you to take profit from crypto investment without selling, earn passive income on your crypto holdings, and also use your crypto in the real world without liquidating your asset.

Let’s explore some of these features:

Crypto-Backed Lending Instead of Selling

Quartzpay allows users to deposit their crypto assets as collateral and borrow stablecoins (e.g., USDC) without having to sell their crypto holdings.

This allows you to retain full ownership of your crypto, avoid capital gains taxes that come with selling, and continue to benefit from price increases if your crypto appreciates.

Here’s an example:

Let’s say you have $5,000 worth of SOL, but you need $1,500 to cover an expense. Instead of selling, you can borrow against your SOL and still benefit if SOL's price increases in the future.

Quartzpay’s Non-Custodial Visa Card for Seamless Spending

One of Quartzpay’s biggest innovations is its Visa card, which allows users to spend borrowed stablecoins in real life without needing to convert them to fiat manually.

Here’s how It Works:

Borrow USDC using your crypto as collateral, load your Quartzpay Visa card with the borrowed stablecoins, and spend directly anywhere Visa is accepted, without selling your crypto asset.

Here are the key features of the Quartzpay visa card and what makes it a great innovation:

No centralized control – Users remain in control of their assets.
Instant spending – No need to manually cash out crypto first.
Privacy-focused – No lengthy KYC process required for everyday transactions.

Flexible Repayment Options

Unlike traditional loans, Quartzpay offers flexible repayment options that allow you to repay at your convenience, avoid liquidation and penalties for late repayment.

This flexibility ensures that you never have to sell your crypto prematurely just to cover a loan.

Earn Passive Yield on Deposited Crypto

One unique feature of Quartzpay is that it allows you to earn yield while using the platform.

Here’s how It works:

Your deposited crypto earns an estimated 4.18% APY. This yield can help cover loan interest, which reduces your repayment burden.

Simply put, your crypto works for you; instead of sitting idle; it generates income while you spend borrowed funds.

Example Use Case: How to Spend Crypto Without Selling Using Quartzpay

Let’s say you own $100 worth of BONK tokens at a $1.7B market cap. You need $30 to buy groceries, but you don’t want to sell your BONK.

Quartzpay allows you to borrow $30 against your BONK holdings; you can then spend the borrowed funds via Quartzpay’s Visa card.

If BONK’s price rises, you still benefit from the gains, but if the market dips, Quartzpay automatically manages your collateral to reduce risk.

This method allows users to take profit without selling, which keeps you financially flexible while still benefiting from long-term crypto gains.

Key Benefits of Quartzpay

Here are the benefits of using Quartzpay for your crypto investment:

Avoid Selling and Tax Liabilities.
Continue HODLing Long-Term and keep exposure to potential price increases instead of exiting early.
If the market is down, you can borrow stablecoins instead of panic selling.
Spend crypto like fiat via the Quartzpay Visa card.
Passive Income Generation (Deposited crypto earns 6.61% APY) which offsets loan interest.
You maintain full control over your assets, which reduces risks associated with centralized exchanges.

How to Get Started with Quartzpay

Follow the steps below to start using Quartzpay today:

Visit app.quartzpay.io on Phantom or Solflare wallet.
Connect your wallet and create an account, which requires 0.05 SOL for rent (you can reclaim this amount if you ever decide to close your account).
Fund your account and start enjoying Quartzpay benefits.

However, it’s worth noting that Quartz is currently in a beta test phase, so this is the best time to make hay while the sun shines. Join the waitlist now!

Conclusion

Quartzpay revolutionizes the way crypto investors access liquidity without selling their assets.

By combining crypto-backed loans, a non-custodial Visa card, and yield generation, it offers a future-proof financial solution for long-term crypto holders.

Instead of selling assets and missing out on future price growth, Quartzpay allows users to leverage their crypto holdings for real-world spending.

It’s safe to say that Quartzpay is a game-changer for investors who want both liquidity and long-term wealth.

If you’ve been searching for how to take profit from crypto without selling, Quartzpay is the solution.

Quartzpay Official Links