SALT Lending — Crypto-Collateralized Cash Loan Platform

SALT Lending is a US crypto-collateral lender founded in 2016 and now operated within a regulated lending and servicing framework that publishes licensing disclosures. Its current materials describe dollar loans backed by bitcoin and selected digital assets, with configurations commonly spanning 30% to 70% initial loan-to-value. Borrowers retain economic exposure to the pledged asset while it remains in the program, but must add collateral or repay if market declines breach maintenance thresholds. SALT states that approval is based primarily on collateral rather than a conventional consumer credit inquiry, and it publishes rate examples and educational comparisons on its site. Available amounts, maturity choices, supported assets, custody arrangements, and state eligibility depend on the specific application and governing agreement. The company has experienced regulatory and restructuring events during its operating history, so users should rely on current licensing, servicing, and collateral disclosures rather than older marketing pages. A borrower should also confirm whether collateral may be deployed, how it is custodied, and which entity originates the loan.