Biggest misconception when it comes to paying interest on Lantern

Hey Lantern Community!

Had a client nearly fall out of his chair yesterday when we told him his monthly payment.

He wanted to borrow $10K against his XRP. Expected something painful—maybe $800+ per month based on traditional loans.

His actual payment with Lantern: $108 per month.

"Wait, that's it?" he asked.

That's it. Forever.

But first, market update!

Here's the math most people miss:

Traditional Bank Loan: $10K at 8% (1 year)

• Monthly payment: $869.88

• What you pay: $66.67 interest + $803.22 principal

Lantern Crypto Loan: $10K at 13%

• Monthly payment: $108.33

• What you pay: $108.33 interest + $0 principal

You pay $761.55 LESS every single month.

"But don't I have to pay it back eventually?"

At the end of your loan term, you can simply refinance and roll it over. Most clients do.

That client I mentioned? He decided to buy XRP with the loan, which has since appreciated by 20% and is now worth $12,000.

His monthly payment is still $108.33.

Why this works (and why banks can't compete):

Banks lend based on your credit

They need to assess your income, debt-to-income ratio, employment history, credit score, and other factors. Then they make you pay back principal because they're taking a risk on YOU.

We lend based on your collateral

Your crypto sits safely with us at all times. No credit checks, no income verification, no employment history. The asset itself backs the loan.

That's why we can offer interest-only payments. Your crypto collateral covers the risk. (Just so that we are clear, we never rehypothecate your collateral or do anything with it. It sits in BitGo’s vault until you are ready to claim it back.)

Also, this is the exact strategy ultra-wealthy individuals use

They borrow against their stock portfolios, real estate, and other appreciating assets. They never sell. They never pay the principal.

Now you can too.

That's why we offer:

• Interest-only payments (keep your cash flow strong)

• No auto-liquidation (we give you time)

• No liquidation fees (we don't profit from your losses)

• Same-day funding (speed to opportunities)

• We're aligned with your success.

Want to see your exact monthly payment?

Text us: (415) 365-0100 or try our calculator: https://lantern.finance/borrow

Until next time,

The Lantern Team

This newsletter is for educational purposes only and does not constitute financial advice. Always consult with your financial advisor before making lending decisions.