Lantern Finance Now Accepts XDC (XinFin Digital Contract) as Collateral

Lantern Finance is proud to announce support for XDC (XinFin Digital Contract).

Starting today, you can borrow against your XDC holdings at up to a 25% loan-to-value ratio with the same security and protection you expect from Lantern.

Loan Terms

• Up to 25% LTV

• 13% annual interest + 2% upfront fee

• Borrow from $1,000

XDC is the native asset of the XDC Network. Since its mainnet launch in 2019, XDC network has processed over 801 million transactions and currently holds $717M+ in tokenized real-world assets on-chain.

Why 25% LTV?

XDC is an institutionally supported asset, but like most mid-cap tokens, its liquidity has practical ceilings. We set the LTV at 25% to give our borrowers the most protection possible while still unlocking meaningful capital.

At 25% LTV, XDC would need to drop 61.5% before reaching margin call territory.

That's a substantial buffer.

Same Lantern Protection

These new assets come with the same infrastructure that's kept our borrowers safe:

• BitGo cold storage: Your collateral sits in institutional-grade custody with $250M insurance coverage.

• 72-hour grace period: If you hit a margin call, you get three days to add collateral or pay down debt.

• No liquidation fees: We don't profit from your bad days. Our revenue comes from interest payments, not from liquidating your positions.

Here’s our updated margin call and liquidation policy: https://lantern.finance/blog/changes-to-our-margin-call-and-liquidation-policy

How It Works

1. Deposit your XDC as collateral

2. Receive up to 25% of its value in USDC or USD

3. Pay interest-only monthly payments (13% annually)

4. Get your crypto back when you repay the loan

Your collateral stays in BitGo custody the entire time.

Same-day funding to banks is available for applications submitted before 3 PM ET on weekdays. With USDC, you can expect your funds to arrive on nights and weekends as well.

Borrow against your XDC here: https://lantern.finance/borrow