The comparison · Updated September 2026
See how Lantern stacks up.
Pick a lender. We'll put their published terms next to ours, line by line.
Lanternvs
- APR
- Lantern leads:From 10%
- 10.49%*
- Max LTV
- 50%
- 60%
- Assets
- Lantern leads:16
- 4
- Grace period
- Lantern leads:72 hours
- 24 hours
- Liquidation fee
- Lantern leads:None
- Typically 2%
Arch terms from help.archlending.com, September 2026
Full Lantern vs Arch breakdownFull matrix
Or see all eight at once.
| Lender | APR | Max LTV | Assets | Grace period | Liquidation fee | Custody |
|---|---|---|---|---|---|---|
| Lantern | From 10% | 50%Safer cushion | 16 | 72 hours | None | BitGo cold storage Up to $250M (BitGo Trust) |
| 10.49%* | 60%Higher risk | 4 | 24 hours | Typically 2% | Anchorage Digital $100M Lloyd's of London |
 | Variable | Varies | 9 | None | 4.38% | Morpho smart contract Loan collateral coverage not specified |
 | From 11.95% | 50–90%Higher risk | 350+ | None | 0% advertised | Ownership transfers Not disclosed |
 | From 9.999% | 75%Higher risk | 3 | 48 hours | 2% | Decentralized MPC wallet Not publicly disclosed |
 | 11.49%* | 50% | 1 | None | 0.5% spread | Institutional (undisclosed) Not publicly disclosed |
 | 15.9% | 50% | 30+ | None | 2–3.5% + spread | Service-provider custody Loan-specific coverage not disclosed |
 | 10.5%* | 50% | 1 | 72 hours | None | Strike or capital providers Not disclosed |
- Lantern72 hours
- 24 hours
- None
- None
- 48 hours
- None
- None
- 72 hours
Public sources reviewed September 2026. *Retail BTC pricing for $10K–$15K loans; payment options are noted for each lender. Other advertised rates have separate conditions. Nexo quotes annual interest; Coinbase quotes a variable APR in-app.
Detailed comparisons
Go deeper, one lender at a time.
Every term side by side, with rate tiers, liquidation rules and linked sources.
Beyond the rate
What matters when the market moves.
A lower rate saves you a few dollars a month. The liquidation terms decide whether you keep your crypto.
- Three days to respond to a margin call
- 72h4 of 7 lenders: none
- Most lenders give you no fixed window. Collateral can be sold the moment a threshold is hit.
- No liquidation penalty
- 0%vs up to 4.38%
- If collateral is ever sold, Lantern doesn't add a fee or spread on top of what you've already lost.
- Insured cold storage, never lent out
- $250MBitGo coverage
- Most lenders don't disclose coverage. Your collateral sits with a named, qualified custodian.
Compare, then borrow.
From 10% APR. 72 hours to respond. Insured BitGo custody. Your crypto stays yours.