When Markets Move, Our Community Shows Up

Hey Lantern Community,

This past week reminded us just how great our users are.

When markets got volatile, we watched our borrowers actively managed their positions. People paid down balances, added collateral, and reached out proactively for guidance. Some closed out loans entirely when it made sense.

This is the behavior that keeps everyone protected. Today, we’ll look at what happened last week and how Lantern users are responding.

But first, market update!

Markets Were Bad Last Week

Markets dumped. That's what they do.

But our borrowers took action:

• Many paid down loan balances (our no-prepayment-penalty structure makes this easy)

• Some added collateral to bring their LTVs down

• A few closed positions entirely to stay conservative

• Others reached out proactively, asking questions

We provided support:

• Our team checked in with clients who don't track prices daily

• We answered every call and email quickly

• We gave clear guidance without pressure

• We worked together to keep everyone safe

The result? Zero panic. Zero liquidations. Just responsible management on both sides.

This is exactly the two-way communication that prevents problems before they start.

This Creates Benefits For Everyone

Our lenders watch borrower behavior closely.

When markets move, and they see borrowers paying down debt and adding collateral, it gives them confidence in the quality of Lantern’s loans.

That confidence translates directly into better rates for you.

Lenders get nervous during volatility. That's natural. But when they see concrete data showing that Lantern borrowers are engaged and responsible, it makes them comfortable supporting lower rates in the future.

You're not only protecting your own position but helping to build a track record that benefits the entire community.

Conservative by Design

We lend at conservative levels precisely because we want to work with responsible borrowers like you.

Our approach:

• Conservative LTV ratios that give you breathing room

• 72-hour margin call windows instead of instant liquidations

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

• Human support when you need it

• Flexible prepayment with zero penalties

With all of these terms, we are creating an environment where smart, engaged borrowers can use leverage responsibly without constant stress.

This week proved it works.

You Are the Community We Built This For

You're engaged. You're prepared. You manage your positions thoughtfully. You communicate when you have questions. You take action when markets move.

This is exactly the kind of behavior we want to encourage.

Some platforms chase volume by lending at risky levels to anyone who shows up. That's not us. We'd rather work with a smaller community of responsible borrowers who understand how to use leverage intelligently.

This week showed that's exactly who we've built.

Want to join a community of responsible crypto investors?

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

Keep managing your positions thoughtfully,

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.