Stack. HODL. Repeat.
With StackWise, you get a portion of your monthly payment back to your crypto wallet in the form of crypto rewards (available in Bitcoin, Ether, or USD Coin).
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What It Is
A loan designed to help you HODL.
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.
Get Started NowThe Original
Crypto-Backed Loan
- Starting from $1,000*
- APRs from 0.52%*
- Terms from 12 to 60 months
- Starting LTV from 20% - 70%
- $0 origination or prepayment fees
*Available rates and terms are subject to change and may vary based on loan amount, qualifications, jurisdiction, and collateral profile. Other terms, conditions, and restrictions may apply.
The Difference
A loan backed by your crypto, not your credit score.
SALT Loan
Traditional Loan
Focused on helping you HODL
No prepayment fees
No origination fees
No impact on your credit score
No borrowing against future income, only against collateral you already own
Loan amount determined by your available crypto collateral
Option to choose stablecoin payouts
Opportunity to grow crypto holdings
Our Loan Products
Choose the loan option that best fits your financial strategy.
Learn More About Our Loan FeaturesOur Process
How do I request a loan?
01
Sign Up And Verify
Create a SALT account and complete identity verification
02
Customize Loan
Select your borrowing preferences and submit your loan application
03
Deposit Collateral
Send assets to your unique, multi-signature SALT collateral wallet
04
Get Funding
Once approved, receive cash, TUSD, or USDC directly to your account
Assets We Accept
Do you hold several cryptocurrencies? Use a combination of them to get a loan and get funds in USD or Stablecoin.
Security & Controls
How We Keep Your Crypto Safe
Fireblocks Partnership
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.
Insurance
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.
Custody Agnostic
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.
Reliable Access to Assets
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.
Don’t just take our word for it,
see what others are saying
"My SALT loans are helping me accomplish my mining goals. We utilized some of the cash flow to add mining equipment at a critical time. By taking out a loan with SALT, we're able to have our cake and eat it, too."
Bill L.
Loan Holder
"It’s extremely easy to apply for a loan. The platform is simple. It’s clean, and there’s not a lot of jargon to comb through, which makes it significantly easier to go through the loan process."
Justin P.
Loan Holder
"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."
Reginald H.
Platform User
FAQs
What else you need to know
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.
We can fund loans as fast as you complete the steps in the application process. The average time to fund a loan is approximately 48 hours
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.
Yes. If the value of your assets appreciates to the point where you have excess collateral on our platform, you may request a withdrawal for any collateral that is not needed to secure your loan. You may also leave the assets on the platform to provide additional security against a market downturn.
Yes. We accept multiple assets as collateral including Bitcoin, Ether, Litecoin, Bitcoin Cash, Paxos, Pax Gold, USD Coin and True USD and you can combine as many collateral types as you’d like to secure your loan. We also accept SALT Tokens as a secondary form of collateral (i.e., you can use SALT Tokens for up to 20 percent of your collateral portfolio, with the other 80 percent made up of our other supported collateral types).
You can redeem SALT Tokens on our platform to reduce your interest rate, pay loan interest, or pay fees. You can also use your SALT Tokens as a secondary collateral type for a crypto-backed loan (SALT Tokens can be used for up to 20 percent of your crypto asset collateral portfolio). To redeem SALT Tokens to get a lower interest rate on your loan, contact our loan servicing team for your custom quote. Please note that the SALT Tokens you redeem through our SALT Token Redemption program will be consumed at origination to lower the interest rate of your loan, or will be consumed if you use SALT Tokens to pay fees or interest. To learn more, see our Token page.
After deposit your blockchain asset collateral may be pledged or otherwise used (“rehypothecated”) in our capital facilities and trusted cryptocurrency derivative markets to facilitate hedging strategies or raise lending capital. SALT regularly monitors such transactions in order to maintain sufficient available capital for purposes of servicing our loans.