Crypto-backed lending,side by side.
Most lenders quote a single rate and hope you don't read the rest. We laid it all out: assets, custody, support, what happens when the market moves, so you can pick the one that actually fits.
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·Lanternvs·Lanternvs·Lanternvs·Lanternvs·Lanternvs·Lanternvs·Lanternvs·Three things competitors quietly skip. We don't.
Your collateral, untouched.
Every coin sits in BitGo insured cold storage. We never lend it or trade it.
13 supported assets.
Borrow against the coin you actually hold.
72 hours
Three full days to respond to a margin call. Most platforms don't give you anything.
Real humans. Including video.
Email, phone, text, and 1:1 video with a specialist. Real humans, never a bot.
See how Lantern compares.
VSInstitutional BTC, ETH, XRP & SOL loans via Anchorage custody.
- 13 collateral assets vs 4
- Zero liquidation penalty vs 2%
- 72-hour grace period vs 24 hours
VSDeFi loans via Morpho on Base. Instant USDC disbursement.
- Insured cold storage vs smart contract
- 72-hour grace period vs none
- Zero liquidation penalty vs 4.38%
VSInstant crypto loans on 300+ assets. No credit checks required.
- BitGo insured cold storage
- 72-hour grace period vs none
- From 8% APR vs 12%+
VSBlockchain-powered lending. Up to 75% LTV, same-day approval.
- 13 assets vs 3
- Zero liquidation penalty vs 1.5%
- BitGo insured cold storage
VSBitcoin-focused loans. Globally available, Cayman-incorporated.
- 13 assets vs BTC only
- From 8% APR vs 11.49%+
- 72-hour grace period
VSInstant crypto credit lines from 2.9% APR on 13 assets.
- BitGo insured cold storage
- 72-hour grace period vs none
- US-based vs Switzerland
Every lender, every dimension that matters.
YOUR PICK  | | | | | | | | |
|---|---|---|---|---|---|---|---|---|
| Starting rate | From 8% APR | 9–12% APR | ~5–7% variable APR | 12–14% APR | From 9.999% APR | From 11.49% APR | From 2.9% APR | From 12% APR |
| Max LTV | Up to 50% | Up to 60% | Up to 75% | Up to 90% | Up to 75% | Up to 50% | Up to 50% | Up to 50% |
| Supported assets | 13 assets | 4 assets | 6 assets | 300+ assets | 3 assets | 1 asset | 13 assets | 1 asset |
| Support channels | Email · Phone & text · 1:1 Video | Help center · Email | AI chatbot · Email | Email · Phone | Email · Chat | Email · Chat · Phone | ||
| Grace period | 72 hours | 24 hours | None (on-chain liquidation) | None (autoliquidation) | 24 hours | None | None | 72 hours |
| Liquidation penalty | None | 2% | 4.38% | None | 1.5% | 0.50% spread | None (0.26% repay fee) | 0.99% |
| Custody model | BitGo cold storage | Anchorage Digital | Morpho smart contract | Not disclosed | Self-custody MPC | Institutional (undisclosed) | Ledger Vault + Fireblocks | Multisig vaults (self-custody) |
| Headquartered | Las Vegas, NV | New York, NY | San Francisco, CA | Not disclosed | San Francisco, CA | Grand Cayman | Zug, Switzerland | Chicago, IL |
Figures as of May 2026. Rates are starting APRs and vary by jurisdiction, term, and creditworthiness. Review each provider's current terms before borrowing.
We never lend out,
trade or speculate on
your collateral.
Your assets sit in BitGo's insured cold storage for the life of the loan and are returned in full at repayment. Audited, segregated, offline.
US-incorporated
Delaware, USA, regulated under US lending law.
72-hour grace period
Three full days before any liquidation begins.
Zero liquidation penalty
We don't charge any liquidation fees.
Ready when you are