DOGE Reddit Mentions | ChartExchange

Really great questions here:
1. Yes! When you take out a loan with Lantern, the last part of the process is sending your collateral to Lantern's BitGo cold wallet address. We generate unique addresses for each of our clients, so at anytime you can see that your collateral is just sitting there if you copy and paste your unique wallet address into a block explorer. Clients can also add additional collateral to that same address to increase their LTV cushion as you suggested too, since that wallet is assigned to that specific client.
2. The LTV (loan-to-value) ratio we offer varies depending on the collateral type. For BTC, ETH, SOL, we lend up to 50% of the collateral value, for LTC and XRP, we lend up to 40%, and for DOGE, we lend up to 25%. In terms of how LTVs factor into market volatility: as prices go down, the LTV increases, meaning higher risk for your loan. We have margin call (a simple warning that you should probably pay down the loan or add more collateral) at 65% LTV, and at 75% LTV we have the legal right to liquidate. Typically, we will email, call, text, whatever we can do to get in touch with the client before liquidations happen.
To be clear, we do not automatically liquidate collateral at 75%, As long as the borrower is in communication with us, we will work with him/her even if they need a few more days to move funds around to either partially pay down the loan or add additional collateral. However, let's say prices drop further during this grace period and LTV goes up to 85-90% LTV. At that point, we'd have to liquidate a portion of the collateral to protect ourselves.
One thing to watch out for on that note. Some lenders out there charge liquidation fees - where they'll sell off an additional 1-3% as a fee to liquidate you. At Lantern, we don't do that - we think that creates misaligned incentives between the borrower and lender, where the lender is almost incentivized to liquidate you and give you the bare minimum in terms of communication for impending liquidations.
3. For the legal structure, all clients sign a Loan & Security Agreement (LSA) with us before taking out the loan which details out the terms and conditions of the loan. If you'd like, you can see the LSA after creating a Lantern account and going through the loan process. Even if you get to the LSA point, there's no obligation to actually go forward with the loan, so feel free to create an account, even if it's just to check out our lending agreement.
4. This is a good question - we are regulated by the US FinCEN as a Money Services Business. In terms of how borrower collateral is viewed, I will need to ask our lawyer about it first, but generally speaking, I would think that even if there is a temporary freeze in company assets for whatever reason, we have loan agreements that explicitly state that the crypto in our custody via BitGo is there in the context of a loan, and that it belongs to borrowers once they pay back. (Again, will have to get back to you on this after legal counsel).
5 & 6. The insurance we have is from BitGo, which is provided by Lloyd's of London, an insurer of some of the largest companies globally. The $250mm insurance we have provides coverage against loss, theft, and misuse of keys. From what I understand, BitGo maintains separate silos of funds under $250mm of market value at any given time, so that all funds within BitGo cold wallets are essentially fully insured. As we grow our collateral base from loans, we don't anticipate funds not being covered by this policy. You can check out more on BitGo's insurance policy here: [https://www.bitgo.com/solutions/insurance/](https://www.bitgo.com/solutions/insurance/)
7. We're regulated by US FinCEN as well as by state regulators. In Lantern's case, all loans are covered by the collateral in the sense that, Lantern doesn't lend out borrower funds to 3rd parties. If for whatever reason Lantern is forced to shut down, there would be an orderly process where we ask borrowers to repay the loan, and we return the collateral associated with each loan. We don't have any other creditors besides lenders who lend dollars to us to make our loans.

.dark-mode .tg7Hlr{ color: white; background-color: #333333; border: 2px solid white; }.light-mode .tg7Hlr{ color: #333333; background-color: white; border: 2px solid #333333; }DOGEUSDT20250829C104000Dogecoin / Tether USD Aug 29 2025 104000.00 Callcrypto

DOGEUSDT20250829C104000
Dogecoin / Tether USD Aug 29 2025 104000.00 Call
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