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Loans secured by your crypto
Use your crypto as collateral
What makes us stand out
Business & personal loans
How to get a loan
Keeping your assets safe
Unlike a traditional loan that takes your credit score into account, a SALT loan is an asset-backed loan in which your cryptoassets act as collateral for your line of credit. Once you pay back your loan, we’ll return your assets to you.
* Not available in all jurisdictions. Please see Borrower Portal for more information.
THE DIFFERENCE
OUR LOAN PRODUCTS
OUR PROCESS
Create a SALT account and complete identity verification
Select your borrowing preferences and submit your loan application
Send assets to your unique, multi-signature SALT collateral wallet
Once approved, receive cash, TUSD, or USDC directly to your account
Do you hold several cryptocurrencies? Use a combination of them to get a loan and get funds in USD or Stablecoin.
SECURITY & CONTROLS
We’ve partnered with Fireblocks– a trusted custody management platform that many top crypto companies rely on for the safe, secure transfer of collateral assets– and are excited about their approach to MPC technology primarily because it means enhanced security for you as well as faster transactions for both SALT and our customers.
Similar to Fireblocks, SALT maintains Cyber Insurance, meaning the company will be covered in the event of cyber-related incidents (e.g. cyber breaches, cyber extortion, technology errors or failures, loss of data assets, etc.) as well as theft of crypto assets resulting from such incidents. Fireblocks’ eCrime Event coverage also covers assets in transit.
We recently announced our new custody agnostic approach, which allows us to distribute risk, enhance security, reduce interest rates, fund loans more swiftly, and focus on expanding our suite of wealth preservation products.
Our custody process and custody partners, like Fireblocks, require multi-user authorization, meaning that access to your assets never hinges on one individual. You can count on us to be available to return your assets.
I am extremely pleased with the support I got. They put an extra effort in to help me get the answers I wanted. I can surely work with a company with such great client service.
Once your loan has been paid back in full, you’ll be able to request a withdrawal to have your assets returned to you. Please note it may take up to 2 business days to process your withdrawal.
If there is a drastic dip in the market and the value of your collateral declines, it will cause your loan-to-value ratio (LTV) to rise. If your LTV reaches our stabilization threshold of 90.91%, we will convert your entire crypto portfolio to stablecoin (USDC) to preserve its value. After stabilization is complete, you may deposit additional collateral or make a payment to reduce your LTV to below 83.33%, at which point you will have the option to re-enter the market. You may request that we convert your portfolio back to its original crypto mix or to another mix or single cryptocurrency of your choice. To learn more about SALT Stabilization visit https://saltlending.com/stabilization.
Use of, access to, and all other policies, restrictions, and limitations governing any pages, links, or content owned by Salt Blockchain Inc. (“SALT”) and/or affiliates provided here is controlled and governed by the documentation, policies, and statements therein. Please see Terms of Use for further information, disclosures, and policies.
Salt Lending LLC: Salt Master Fund II, LLC – NMLS 1711910
Disclaimer
This website contains depictions that are a summary of the process for obtaining a loan and provided for illustrative purposes only. For example a one year $10,000 loan with a rate of 6.00% APR would have 12 scheduled monthly payments of $861. There is no down payment required. Annual percentage rates (APRs) through the website vary. The use or access of the website or platform does not guarantee the availability of any current and/or future offer, promotion, terms, loan, or return. Additional terms, conditions, requirements, suitability, and screenings, among other restrictions, may apply at the sole discretion of SALT. Salt Lending LLC’s loans are issued pursuant to private agreements. You should review the representations and warranties described in the loan agreement.
Borrowing against collateral entails risk and may not be appropriate for your needs. Rates for SALT products are subject to change. Digital currency is not legal tender, is not backed by the United States or any other government, and SALT accounts are not subject to FDIC or SIPC protections.
No Investment Advice
Nothing on this website should be construed as an offer or sale of SALT Tokens, or any endorsement or recommendation regarding any type of digital assets. The information provided on this website does not constitute investment advice, financial advice, trading advice, or any other sort of advice and you should not treat any of the website’s content as such. You are encouraged to conduct your own research and due diligence and to consult your financial, tax or legal advisors before making any investment decisions. Digital assets are highly speculative and the market is largely unregulated. Anyone considering investing in or with digital assets should be prepared to lose their entire investment.
Third Party Information
Third party information, advertisements and hyperlinks on this website, including information about certain secondary exchanges on which the SALT Tokens trade, do not constitute an endorsement, guarantee, warranty, or recommendation in any way by SALT. Your access or use of any such third party services, including purchasing or selling SALT Tokens on a secondary exchange, is at your own risk and SALT will have no liability for any access or use of such services.
Accuracy of Information
Third party information, advertisements and hyperlinks on this website, including information about certain secondary exchanges on which the SALT Tokens trade, do not constitute an endorsement, guarantee, warranty, or recommendation in any way by SALT. Your access or use of any such third party services, including purchasing or selling SALT Tokens on a secondary exchange, is at your own risk and SALT will have no liability for any access or use of such services.
