Your Loan Funds in Less Than 10 Minutes (Even on Weekends)

We've automated our loan funding process.

Borrowers who link a bank account at the payout step now receive their funds within 10 minutes of approval, including nights, weekends, and holidays.

No waiting for business hours.

This runs on the RTP (Real-Time Payments) network, the infrastructure The Clearing House built to move money in real time between U.S. banks.

Over 70% of U.S. bank accounts are already on the network. Chase, Bank of America, Wells Fargo, Citi, and most credit unions are covered.

You can check the full list at The Clearing House's website.

How To Setup RTP

1. Apply for your loan

2. Link your bank account at the payout step

3. Receive your funds within 10 minutes if your bank is on the RTP network

No manual steps and no waiting for someone on our end to push a button.

Notes:

1. USDC payouts are not affected. This update is for bank account payouts only. If you request to receive your loan funds in USDC, nothing changes.

2. Loans above $250,000 will still go through a manual review process for now.

3. Funds will be delivered under standard ACH processing times if your bank is not on the RTP network.

Almost Instant Liquidity Anytime

Picture this: it's Saturday night. Bitcoin is moving. You need liquidity now. Before today, you waited until Monday, which meant you missed the trade.

With RTP-powered funding, your cash lands within 10 minutes. At 2am on a Sunday. While the market is still open.

Ready to borrow? Visit lantern.finance/borrow or call us at (415) 365-0100.