Incentive to hold US coin (4)

I believe the answer is:

cent

'us coin' is the definition.
(cents make up the US dollar)

'incentive to hold' is the wordplay.
'to hold' indicates a hidden word (I've seen 'holding' mean this).
'CENT' is hidden within 'incentive'.

(Other definitions for cent that I've seen before include "Part of a dollar" , "One hundreth of a dollar" , "One 100th of a dollar" , "Fractional monetary unit" , "change from Colorado!" .)

I've seen this clue in The Mirror.

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