XDC Collateralized Loans

    Borrow against your XDC.

    Get instant USD / USDC loans with competitive rates starting at 13%, powered by your XDC holdings. No credit checks, flexible terms, repay anytime.

    Current XDC priceβ€”
    XDC logo

    XDC as Collateral

    Secure, Fast, Flexible

    Starting interest rate
    13%APR
    Loan-to-value
    Up to25%
    Repayment terms
    Flexible
    Example loan
    Borrow
    $1,000
    XDC collateral
    β€”
    Interest
    $10.83/mo

    How it works

    How Borrowing Works

    Four simple steps to turn your XDC into the cash you need, without selling your assets

    1. 01

      Create an Account

      Sign up and verify your identity with our US-based platform in minutes.

    2. 02

      Customize Your Loan

      Choose your loan amount and terms based on your XDC holdings.

    3. 03

      Deposit Collateral

      Securely deposit your XDC as collateral for your loan.

    4. 04

      Get Dollars

      Receive USD, USDC or RLUSD directly to your bank account or crypto wallet.

    Why Lantern

    Why Borrow with Lantern Finance

    Unlock the value of your XDC without selling your position

    • Competitive Rates

      Starting at just 13%, our rates are designed to be transparent and fair.

    • Repay Anytime

      No early repayment penalties, zero liquidation fees, and a 72-hour grace period if you ever receive a margin call.

    • Secure Storage

      Your XDC is held by BitGo, a qualified US custodian, in insured cold storage with up to $250MM in coverage.

    • No Credit Checks

      Your loan approval is based on your collateral, not your credit history.

    • Keep Your XDC

      Access USD, USDC or RLUSD liquidity without selling your XDC holdings.

    • US-Based Company

      Direct access to our US-based customer support team by phone and email β€” no bots, ever.

    Terms

    XDC Loan Terms & Details

    Transparent terms designed to help you make informed borrowing decisions

    Pricing & Limits

    Interest Rates
    Starting at 13% APR, based on loan-to-value ratio, plus 2% upfront fee
    Loan-to-Value (LTV)
    Up to 25%
    Minimum Loan Amount
    $1,000 USD / USDC
    Maximum Loan Amount
    $10,000,000 USD / USDC

    Duration & Repayment

    Loan Duration
    12 months
    Repayment Options
    Interest-only payments with option to prepay any portion at any time to lower outstanding balance
    Early Repayment
    No penalties for early repayment

    Risk Management

    Margin Call Threshold
    Triggered when LTV rises above 65%. You will be notified and given a 72-hour grace period to add collateral or repay principal before any action is taken.
    Liquidation Threshold
    Liquidation may occur if a margin call is not resolved within the grace period. Zero liquidation penalties β€” no additional fees charged by Lantern.

    Custody & Security

    Collateral Storage
    Secure cold storage through BitGo, our qualified custodian, insured up to $250MM

    Design your loan

    XDC Loan Calculator

    See how much you can borrow against your XDC holdings

    01Design your loan

    Collateral type
    Min $1,000
    $1,000$10,000,000
    Collateral neededMin: 1 XRP
    β€”XRP
    Loan to Value Ratio (LTV)Max 40%
    40%
    10%40%
    LTVInterest rate
    0% – 40%0%

    Loan to Value (LTV) based on XRP. Rates lock at funding time.

    02Loan summary

    Loan amount$1,000
    Annual Percentage Rate(2% upfront fee + 0% interest rate)
    2%
    Monthly Interest
    $0.00 / month
    Upfront Fee(taken out of loan amount)
    $20.00

    No credit check Β· funds wired in 24h

    What Our Customers Say

    Join thousands of satisfied borrowers across the United States

    β€œEasy Peasy! I just took out an XRP collateralized loan for a significant amount with Lantern Finance, which really took all of 10 minutes! Incredibly fast and impressive, if I do say so! I initially did it all online, but before pushing the submit button, I spoke to someone just making sure all the β€˜eyes’ were dotted & β€˜Ts’ crossed before submitting. I would highly recommend considering Lantern Finance for those seeking a crypto collateralized loan.”
    GKGarry KerrCustomer review
    β€œEasy process to understand, follow and complete. Since I was able to apply loan for additional purchase of crypto, it gave me a better LTV and I got more than expected. A great experience.”
    GMGMCustomer review
    β€œThe terms are very reasonable and the process was straight forward. This platform is a breath of fresh air and a much needed service in the industry.”
    MBMike BossCustomer review
    β€œExcellent service and communication. The platform and transfer for collateral is seamless. I was very happy with how fast the funding was made available to my personal checking account. The sign up for loan along KYC was just as simple. Thus far, I am very impressed with Lantern services. I did consider obtaining a loan from an Exchange, however, Lantern Finance terms are very reasonable and LTV ratio with grace period offers security from liquidation.”
    KTKT1Customer review
    β€œI have initiated multiple loans on Lantern Finance and the experience has been excellent. The user interface on the platform is very comprehensive, all information about the amount of crypto collateral required for the dollar loan amount, interest charged (very reasonable), is clearly shown; and the interface also shows you the realtime status of your loan LTV, once you submit your collateral and receive your loan. The actual loan is approved and the loan proceeds are released very quickly, in minutes. Finally, Lantern Finance has 5 star customer service, a real, live person will take your call, or return your call in short order, and answer your questions.”
    JWJay WhittierCustomer review
    β€œIt was so simple to do and quite easy to understand. I was a bit hesitant to collateralize my account, but the Loan was approved instantly and funds were deposited into my bank account within 2 minutes. I was relieved. This is legit and I honestly found it unbelievable. This is great for the crypto industry. You can utilize your assets for lending. Hoorah!!!!”
    LLuisCustomer review
    β€œGreat experience, first time visit and loan. My transferred in collateral crypto was confirmed received in about 1 minute. Loan approval given once collateral was activated. 11% is a great rate imo, will pay off some 25% credit cards, and still own my crypto assets. All this done at 1am EST. Excellent.”
    TMThomas F MaherCustomer review
    β€œDrew was the best representative I have ever talked to. He spent all the time I needed to making a profile, transferring assets and getting a loan. I felt like I was at home. I couldn’t believe how nice and welcoming the call was. I absolutely recommend using this platform. I have never felt more safe and secure than I do right now.”
    RSRyan SwansonCustomer review

    Security

    Your Security is Our Priority

    Lantern Finance employs bank-level security to protect your assets

    Insured up to $250MM

    All collateral held by Lantern Finance is fully insured up to $250MM against theft, hacking, and loss, giving you complete peace of mind throughout your loan term

    Learn more about how we safeguard your collateral with our custodian, BitGo
    • Secure Cold Storage

      Your collateral is stored with BitGo, our qualified custodian, with insured cold storage.

    • Fully Regulated

      Our custodian BitGo is publicly traded (Ticker: BTGO), holds an OCC trust charter, and has had zero hacks or thefts since its founding in 2013. Lantern covers all custody costs β€” borrowers pay nothing extra.

    • Transparent Terms

      Clear loan agreements with no hidden fees or surprise charges.

    • 24/7 Monitoring

      Continuous security monitoring and real-time alerts protect your assets.

    FAQ

    Questions, answered.

    Still curious? Call, text or email [email protected] and a real person will get back to you.

    • Lantern Finance is a US-based crypto company focused on offering the lowest rates for crypto-backed loans. Currently, we support the following crypto assets: Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Litecoin (LTC), XRP, Dogecoin (DOGE), Cardano (ADA), Hedera (HBAR), Stellar (XLM), Bitcoin Cash (BCH), SUI, and Chainlink (LINK).

    Borrow against your XDC.

    Rates starting at 13%. No credit checks, flexible terms, repay anytime.