California DFPI Notice click here. Additional Platform Servicing Updates & FAQs click here.

Loans Backed By Crypto

Don't sell your crypto, borrow against it.
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Borrow fiat against your crypto
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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.
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The 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.
Crypto-backed loan dashboardm onitoring loan health and collateral balance on desktop
The Difference

A loan backed by your crypto, not your credit score.

SALT Loan
SALT Loan
Traditional Loan
Traditional Loan
Focused on helping you HODL
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No prepayment fees
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No origination fees
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No impact on your credit score
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No borrowing against future income, only against collateral you already own
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Loan amount determined by your available crypto collateral
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Option to choose stablecoin payouts
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Opportunity to grow crypto holdings
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See How We Stack Up Against Our Competitors

Our Loan Products

Choose the loan option that best fits your financial strategy.
Learn More About Our Loan Features

Business Loan

You can:
    Start a new business
    Fund your company
    Expand your business
Apply NowLearn More

Personal Loan

You can:
    Reinvest your money
    Renovate your home
    Make a big purchase
Apply NowLearn More

Our 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
Apply Now

Assets We Accept

Do you hold several cryptocurrencies? Use a combination of them to get a loan and get funds in USD or Stablecoin.
Photo of crypto assets that we accept as collateral

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.

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
Woman thinking about frequently asked questions

FAQs

What else you need to know
While we will still recognize loan payments, please note that we are not able to process any withdrawals at this time. While our platform will recognize on-chain deposits, we strongly advise against depositing more funds to your account until we have communicated with you about all of the specifics and can assure you of our plans moving forward. Please visit our Platform Servicing Updates and FAQ page for more info.
At this time, new loan originations are paused until further notice. Please visit our Platform Servicing Updates and FAQ page for more info.
Until further notice margin calls, stabilizations, and conversions are disabled. Please visit our Platform Servicing Updates and FAQ page for more info.
At this time, withdrawals are currently paused. Please visit our Platform Servicing Updates and FAQ page for more info.
While our platform will recognize on-chain deposits, we strongly advise against depositing more funds to your account until we have communicated with you about all of the specifics and can assure you of our plans moving forward. Please visit our Platform Servicing Updates and FAQ page for more info.
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.
Don't See Your Question? Contact [email protected]

Ready to unlock the power of your crypto?

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