XLM Collateralized Loans
Borrow against your XLM.
Get instant USD / USDC loans with competitive rates starting at 13%, powered by your XLM holdings. No credit checks, flexible terms, repay anytime.
XLM as Collateral
Secure, Fast, Flexible
- Starting interest rate
- 13%APR
- Loan-to-value
- Up to33%
- Repayment terms
- Flexible
- Borrow
- $1,000
- XLM collateral
- —
- Interest
- $10.83/mo
How it works
How Borrowing Works
Four simple steps to turn your XLM into the cash you need, without selling your assets
- 01
Create an Account
Sign up and verify your identity with our US-based platform in minutes.
- 02
Customize Your Loan
Choose your loan amount and terms based on your XLM holdings.
- 03
Deposit Collateral
Securely deposit your XLM as collateral for your loan.
- 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 XLM 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 XLM 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 XLM
Access USD, USDC or RLUSD liquidity without selling your XLM holdings.
US-Based Company
Direct access to our US-based customer support team by phone and email — no bots, ever.
Terms
XLM 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 33%
- 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 — 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
XLM Loan Calculator
See how much you can borrow against your XLM holdings
01Design your loan
| LTV | Interest rate |
|---|---|
| 0% – 40% | 0% |
Loan to Value (LTV) based on XRP. Rates lock at funding time.
02Loan summary
- 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 · funds wired in 24h
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, BitGoSecure 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 — 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 XLM.
Rates starting at 13%. No credit checks, flexible terms, repay anytime.