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Avoid taxable events and access liquidity with SALT + Uphold

With a loan from SALT, you can keep your crypto and access cash. Uphold members can now leverage their BTC, ETH, USDC, and USDT as collateral to secure flexible loans without selling their assets.*

Here’s What SALT Offers:

  • Loans starting from $5,000
  • Competitive interest rates, with an average savings of 10.50% compared to competitors
  • Flexible terms from 3 to 12 months
  • Loan-to-Value (LTV) ratios from 30%-70%
  • Payouts in USD or stablecoin (can be sent straight to your Uphold account)
  • 1% origination fee (lower than the competition’s typical 1.5%-2%)
  • No prepayment fees
  • Mobile app for loan management and tracking

How Does it Work?

SALT’s platform simplifies securing a loan:

  1. Choose your loan amount, term, and LTV within the SALT platform.
  2. Deposit your crypto collateral—stored in cold storage and comprehensively insured.
  3. Track your collateral in real-time with SALT’s monitoring, which alerts you to any significant market changes.

No income or credit checks are required, so you can access liquidity in as little as 24 hours.

SALT vs. the Competition

Here’s how SALT compares to other crypto-backed lenders:

  • Years in Operation: SALT has 8 years of experience, on par with Unchained and leading over newer players like Ledn (5 years) and Figure (1 year).
  • Stabilization Process: SALT provides Stabilization, which preserves collateral value in case of margin calls, while many competitors liquidate immediately.
  • Collateral Flexibility: SALT allows withdrawals of collateral when your LTV is below the contracted threshold, unlike other lenders that restrict withdrawals.
  • Origination Fee: SALT charges a low 1% origination fee, compared to competitors like Ledn, Unchained, and Figure, which typically charge 1.5%-2%.
  • Interest Rates: SALT offers an average savings of 10.50% on interest rates when compared to its competitors.
  • Mobile App: SALT offers a mobile app, while some competitors, like Ledn and Figure, do not.

Loan Management Made Simple

Once approved, you’ll receive your funds in USD or stablecoin. You can repay using cash or stablecoin, and after full repayment, your crypto collateral is returned.

With SALT, you unlock liquidity while keeping your crypto intact—giving you flexibility and control over your assets.

Want to Get Cash Without Selling Your Crypto?

Ready to leverage your Uphold wallet for a SALT loan? Inquire today to get started.

Uphold is not a lender, loan broker, or loan arranger and is not offering anyone advice or assistance in obtaining a loan.



Uphold Europe Limited, Reg No. 09281410, Registered Office: Eastcastle House, 27/28 Eastcastle Street, London, United Kingdom, W1W 8DH

Uphold (FRN: 938277) is registered with the Financial Conduct Authority (FCA) for AML purposes and complies with the Money Laundering, Terrorist Financing and Transfer for Funds (Information on the Payer).

Uphold is also an EMD agent (FRN: 938277) of Optimus Cards UK Limited (FRN: 902034) which is authorised and regulated by the Financial Conduct Authority to issue e-money pursuant to the Electronic Money Regulations 2011.

Cryptoasset services offered by Uphold Europe Limited are unregulated and not covered by the Financial Services Compensation Scheme as well as the FCA’s consumer protection regulations. Cryptoassets are very high risk and speculative. You should be aware and prepared to potentially lose some or all of your money. You should carefully consider whether trading or holding cryptoassets is suitable for you in light of your financial circumstances. Gains may be subject to Capital Gains Tax and there may be extra charges when paying via credit card from your provider. Geographic restrictions may apply.

Fiat money payments and balances (fiat is another name for traditional currencies, such as GBP, USD and EUR) constitute regulated e-money and payment services. In providing fiat balances, you are being issued with e-money by Optimus and Uphold is acting as its agent. See specific e-money terms. E-money is not a deposit or investment account which means that your e-money will not be protected by the FSCS. Your funds will be held in a designated safeguarding account with a regulated financial institution. E-money will not earn any interest.

Uphold is certified for SOC 2 Type 2, ISO 27001, and PCI DSS, ensuring rigorous control over our information security management systems, data handling, and payment processing practices. Furthermore, we comply with the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and the UK Data Protection Act, underscoring our dedication to protecting the personal data and privacy rights of our global customers.

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