US-based crypto lender Lantern Finance is expanding its loan product lineup to include XRP and Dogecoin (DOGE), catering to overlooked altcoin holders with new borrowing options.

總部位於美國的加密貸款人燈籠財務將其貸款產品陣容擴展到包括XRP和Dogecoin（Doge），以迎合新的借貸選項的忽視較高的Altcoin持有者。

The startup, which is quickly gaining attention in the lending space for its speed and efficiency, will begin offering loans backed by the two altcoins, two of the most widely held coins by retail investors.

這家初創公司正在迅速在貸款空間中以其速度和效率引起關注，它將開始提供由兩個Altcoins支持的貸款，這是散戶投資者的兩個最廣泛持有的硬幣。

The new offering allows users to borrow up to 25% of their crypto’s value at a 13% annual percentage rate (APR), plus a 2% upfront origination fee. The loans can be disbursed directly in USD to a borrower’s bank account, reflecting Lantern’s focus on simplicity and compliance over DeFi-native complexity.

新產品允許用戶以13％的年百分比（APR）以及2％的前期發起費用借用加密貨幣價值的25％。這些貸款可以直接在美元借入借款人的銀行帳戶中發放，這反映了Lantern對簡單性和依從性的依從性而言。

This move is part of Lantern’s broader strategy to serve crypto holders who sit outside the Bitcoin and DeFi ecosystems—investors who often lack access to borrowing tools despite holding large positions in major altcoins.

這一舉動是燈籠策略的一部分，即為坐在比特幣和Defi生態系統之外的加密貨幣持有人提供更廣泛的戰略 - 儘管在主要山寨幣中擔任過龐大的職位，但他們經常缺乏借貸工具的投資者。

“While most lending platforms stick to BTC and ETH, there’s massive untapped demand among holders of assets like XRP and DOGE,” said Jung Won Kim, co-founder and CEO of Lantern.

“雖然大多數貸款平台都堅持使用BTC和ETH，但XRP和Doge等資產持有人的需求量很大，” Lantern的聯合創始人兼首席執行官Jung說。

“We’re building the infrastructure to support the full spectrum of crypto collateral—not just what’s easiest for us to underwrite. Our goal is to create a lending platform that caters to the diverse needs of the crypto community.”

“我們正在建立基礎架構來支持全面的加密貨幣抵押品，這不是我們最容易承保的。我們的目標是創建一個滿足加密社區各種需求的貸款平台。”

Key Loan Terms:

關鍵貸款條款：

Supported collateral: XRP, DOGE

支持的抵押品：XRP，Doge

Loan-to-Value (LTV): Up to 25%

貸款價值（LTV）：最高25％

APR: 13%

4月：13％

Origination Fee: 2% upfront

發起費：前期2％

Term: 12 months

期限：12個月

Loan disbursement: USD wired to customer’s bank account or USDC stablecoin

貸款支出：USD連接到客戶的銀行帳戶或USDC Stablecoin

The terms are designed for longer-term holders who are looking to access liquidity without selling their crypto, potentially avoiding taxable events and market timing risks, the company says.

該公司表示，這些條款是為希望在不出售加密貨幣的情況下尋求流動性的長期持有人而設計的。

Those interested can apply for a loan or learn more on the website of Lantern Finance.

那些有興趣的人可以申請貸款或在燈籠金融網站上了解更多信息。

The company, which recently raised a $1 million pre-seed round, sees this expansion as part of its broader mission to bring more functionality and financial freedom to the average crypto investor.

該公司最近籌集了100萬美元的預種植回合，將這一擴展視為其更廣泛的使命的一部分，即為普通的加密投資者帶來更多的功能和財務自由。

Unlike competitors that collapsed during the 2022 lending crises, Lantern emphasizes transparency, risk discipline, and not re-lending customer assets.

與2022年貸款危機期間崩潰的競爭對手不同，燈籠強調透明度，風險紀律，而不是重新貸款客戶資產。

"Many XRP and DOGE holders still remember what happened with BlockFi and Celsius," said Deegii Altangerel, co-founder and CTO of Lantern.

“許多XRP和DOGE持有人仍然記得Blockfi和Celsius發生了什麼，” Lantern的聯合創始人兼CTO Deegii Altangerel說。

"We were among those who lost funds to these platforms too—and that experience shaped our entire product approach. We want to offer a safe, reliable, and efficient lending service that puts the customer first."

“我們也是那些也損失了這些平台資金的人之一，這些經驗塑造了我們整個產品方法。我們希望提供安全，可靠和高效的貸款服務，將客戶放在首位。”

With XRP and DOGE now live, the team says more altcoin-backed loan support is on the roadmap.

該團隊說，隨著XRP和Doge的現場，更多由Altcoin支持的貸款支持在路線圖上。

"Our long-term vision is to offer a full-suite of crypto lending products with a wide set of crypto assets to borrow against," Kim said.

金說：“我們的長期願景是提供全套加密貸款產品，並提供廣泛的加密資產來借貸。”

"Adding support for these assets is just one more step in that direction as we continue to expand our product offerings and provide more value to the crypto community."

“在我們繼續擴大產品產品並為加密社區提供更多價值時，對這些資產的支持只是朝這個方向邁出的又一步。”