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.

总部位于美国的加密贷款人灯笼财务将其贷款产品阵容扩展到包括XRP和Dogecoin（Doge），以迎合新的借贷选项的忽视较高的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.

这家初创公司正在迅速在贷款空间中以其速度和效率引起关注，它将开始提供由两个Altcoins支持的贷款，这是散户投资者的两个最广泛持有的硬币。

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.

新产品允许用户以13％的年百分比（APR）以及2％的前期发起费用借用加密货币价值的25％。这些贷款可以直接在美元借入借款人的银行帐户中发放，这反映了Lantern对简单性和依从性的依从性而言。

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.

这一举动是灯笼策略的一部分，即为坐在比特币和Defi生态系统之外的加密货币持有人提供更广泛的战略 - 尽管在主要山寨币中担任过庞大的职位，但他们经常缺乏借贷工具的投资者。

“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.

“虽然大多数贷款平台都坚持使用BTC和ETH，但XRP和Doge等资产持有人的需求量很大，” Lantern的联合创始人兼首席执行官Jung说。

“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.”

“我们正在建立基础架构来支持全面的加密货币抵押品，这不是我们最容易承保的。我们的目标是创建一个满足加密社区各种需求的贷款平台。”

Key Loan Terms:

关键贷款条款：

Supported collateral: XRP, DOGE

支持的抵押品：XRP，Doge

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

贷款价值（LTV）：最高25％

APR: 13%

4月：13％

Origination Fee: 2% upfront

发起费：前期2％

Term: 12 months

期限：12个月

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

贷款支出：USD连接到客户的银行帐户或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.

该公司表示，这些条款是为希望在不出售加密货币的情况下寻求流动性的长期持有人而设计的。

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

那些有兴趣的人可以申请贷款或在灯笼金融网站上了解更多信息。

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.

该公司最近筹集了100万美元的预种植回合，将这一扩展视为其更广泛的使命的一部分，即为普通的加密投资者带来更多的功能和财务自由。

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

与2022年贷款危机期间崩溃的竞争对手不同，灯笼强调透明度，风险纪律，而不是重新贷款客户资产。

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

“许多XRP和DOGE持有人仍然记得Blockfi和Celsius发生了什么，” Lantern的联合创始人兼CTO Deegii Altangerel说。

"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."

“我们也是那些也损失了这些平台资金的人之一，这些经验塑造了我们整个产品方法。我们希望提供安全，可靠和高效的贷款服务，将客户放在首位。”

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

该团队说，随着XRP和Doge的现场，更多由Altcoin支持的贷款支持在路线图上。

"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.

金说：“我们的长期愿景是提供全套加密贷款产品，并提供广泛的加密资产来借贷。”

"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."

“在我们继续扩大产品产品并为加密社区提供更多价值时，对这些资产的支持只是朝这个方向迈出的又一步。”