Lantern Finance Launches Loans Backed by Stellar (XLM), Cardano (ADA), and Hedera (HBAR) for U.S.-Based Customers

The crypto lending landscape has been dominated by the same handful of assets for too long.

While Bitcoin and Ethereum grab headlines, sophisticated investors have been diversifying into promising alternatives, only to find their lending options severely limited.

Today, that changes.

Lantern Finance is proud to announce support for three additional crypto assets: Stellar (XLM), Cardano (ADA), and Hedera (HBAR).

Each launches with a 33% loan-to-value ratio and 15% APR.

Why These Assets, Why Now?

Each of these assets attracts investors who understand crypto's long-term potential but aren't day-trading their positions.

They're typically:

• High-net-worth individuals with diversified crypto portfolios

• Business owners looking to optimize capital efficiency

• Long-term believers in specific blockchain technologies

• Investors seeking alternatives to traditional DeFi platforms

These holders want to access liquidity without selling their positions, making them ideal candidates for crypto-backed lending.

The Lending Gap

Here's the critical factor: no other US-based lending platform offers competitive rates on these assets.

While platforms like Nexo might support them internationally, they either don't serve US-based customers or engage in fund rehypothecation—something we explicitly avoid.

This creates a unique opportunity for holders of these assets to access institutional-grade lending services for the first time.

What This Means for Your Portfolio

Diversification Without Dilution

Traditional portfolio rebalancing requires selling appreciated assets, triggering tax events, and reducing exposure to assets you still believe in. Our expanded asset support lets you maintain your XLM, ADA, or HBAR positions while accessing capital for other investments.

Multi-Asset Collateral Strategies

Sophisticated borrowers can now spread risk across multiple crypto assets rather than concentrating everything in Bitcoin or Ethereum.

Access to Untapped Liquidity

Many of our existing clients hold these assets alongside their Bitcoin and Ethereum positions. Now they can activate that dormant capital without complex cross-platform strategies or selling positions.

The Lantern Advantage

Fixed Interest Rates

Unlike DeFi protocols, where rates can spike to 50-80% during market volatility, Lantern offers predictable, fixed rates that allow proper financial planning. Your borrowing costs won't suddenly quadruple because of market dynamics beyond your control.

No Liquidation Fees

We don't profit from liquidating your collateral, so we're incentivized to work with you during market downturns. Many platforms charge 5-15% liquidation fees, making them more likely to liquidate positions aggressively.

72-Hour Margin Call Buffer

If your loan approaches margin call territory, you have three full business days to add collateral or pay down debt. Meanwhile, other platforms liquidate within hours or immediately.

Institutional-Grade Security

Your assets are held in qualified custody, not rehypothecated or lent out to generate additional platform revenue. When you deposit collateral, it stays put until your loan is repaid.

Same-Day Funding

Unlike traditional banking, which can take weeks for asset-backed loans, Lantern can fund approved loans the same day. This speed advantage is crucial for time-sensitive opportunities.

Loan Terms for Stellar (XLM), Cardano (ADA), and Hedera (HBAR)

Each new asset launches with these loan terms:

Loan-to-Value Ratio: 33%

Interest Rates: 15% APR (13% + 2% upfront)

Minimum Loan Amount: $1,000

Loan Terms: 12-month term with no prepayment penalties

Margin Call Threshold: 65% LTV

Liquidation Threshold: 75% LTV

Calculate how much collateral here: https://lantern.finance/borrow

Ready to take out a loan?

Existing Clients

If you're already a Lantern client, log in to your dashboard to explore new borrowing opportunities against your XLM, ADA, or HBAR holdings.

Login here: https://lantern.finance/api/auth/login

New Clients

Ready to access institutional-quality crypto lending? Sign up here: https://lantern.finance/api/auth/signup

Want to talk to a real human?

Feel free to contact the Lantern team today to discuss how XLM, ADA, or HBAR lending can give you access to liquidity while maintaining your long-term crypto exposure.

Email: [email protected]

Call & Text: (415) 365-0100

No tickets. No bots. Just real humans who know what LTV means.

About Lantern Finance: We're the fastest-growing crypto lending platform in the United States, serving sophisticated investors and businesses with institutional-quality lending services. Our borrower-friendly approach, fixed interest rates, and comprehensive risk management have made us the preferred choice for crypto holders seeking professional lending services.

This content is for informational purposes only and does not constitute financial advice. Crypto lending involves risks, including potential loss of collateral. Please consult with qualified financial advisors before making lending decisions.