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Saltlending:用你手中的加密货币换取抵押贷款

美国加密贷款服务商SALT(Saltlending)于周三宣布其业务范围新近扩增了20个州。

SALT平台用户可以将持有的比特币、以太坊等数字资产作为抵押获取法币借贷。目前,SALT服务范围已经囊括美国境内包括华盛顿特区在内的35个州。

今天SALT还发布了一款新技术平台,并表示该款平台包括了用于方便借款和快速交易的升级工具,以及一个新的会员忠诚度计划程序。

上个月新就任公司首席执行官的比尔·辛克莱(Bill Sinclair)告诉CoinDesk,SALT公司业务向其它不同州拓展的过程是很复杂的。公司的法律团队一直在与政府监管条规方面的专家合作,确保其提供的贷款服务符合各州的法律规定。

他还表示:

“SALT贷款业务一直并将继续严格遵循各州各地区的借贷相关法律、法规和指导条例要求。”

正因为如此,SALT公司新近获得了康涅狄格州、佛罗里达州、伊利诺斯州、堪萨斯州、德克萨斯州、马里兰州、密歇根州、威斯康星州和缅因州等地的数字货币借贷业务经营资质。

辛克莱说,SALT公司目前正在将现有用户转移到新推出的技术平台上,并补充道,

“我们先从一些重要的社区领袖开始进行转移,然后根据他们的反馈及时对我们技术和设计方面的细微不足进行改进。”

他说:

“推出新系统平台后,第一批获得贷款的借款人来自那些我们之前还未能获准经营借贷业务的地区。在我们还未能将服务拓展到其所属地区时,他们就曾申请过贷款,并一直对我们SALT的贷款业务很感兴趣。”

为了进一步吸引新会员并留住现有客户,这家创业公司于今日还推出了一项会员忠诚度计划。据辛克莱称,这项名为“访问权限证明”的计划通过SALT自身推出的令牌提供SALT平台用户不同等级的会员资格和贷款条件。不同的会员级别要求购买更多的令牌并提供对不同贷款额度的访问。

新客户通过在公司的平台上存入至少一个SALT令牌来成为会员,然后他们可以依托自身令牌多寡来调整他们的贷款利率。

辛克莱说,该公司会继续发展完善其平台,并计划在未来推出小额贷款和合格的金融托管产品;同时不断开拓国际加密贷款市场。他还表示,SALT还将考虑添加新的区块链数字代币以作为有资质的抵押品,并解释道,“随着区块链资产的不断增长和大众化普及,技术支持也需要相应地转变升级。……有很多人可能选择了比特币和以太坊以外的数字货币进行投资,我们需要给这群潜在的客户提供方便大门。这将是未来SALT市场差异化突围战略的一个关键。”

Cryptocurrency-backed loan provider SALT Lending announced it has expanded into 20 new U.S. states on Wednesday.

The firm, which allows users to borrow cash against their cryptocurrency holdings, is now available in 35 states, including Washington D.C.

Also revealed today is a new tech platform for SALT clients, which the firm says includes updated tools for borrowing funds and faster transactions, as well as a new member loyalty program.

The firm's chief executive, Bill Sinclair, who took up his post last month, told CoinDesk that the process of expanding to new states is complicated, and that the company's legal team has been working with regulatory experts to ensure that the loans it provides fall within each state's individual laws.

"SALT loans are and will be structured within the laws, regulations, and guidelines provided by each jurisdiction in which the loan is offered," he said.

As such, the platform is newly available to residents of Connecticut, Florida, Illinois, Kansas, Texas, Maryland, Michigan, Wisconsin and Maine, among others.

The company is currently moving its current users to the new platform, Sinclair said, adding that, for the rebuild, "we started with some key community leaders and worked their feedback into the nuances of our technology."

"The first borrowers to get loans in the new system were those who previously applied in areas in which we were not approved to lend and were still interested in a SALT loan," he said.

To further attract new members and retain existing clients, the startup today also unveiled a new member loyalty program. Called Proof of Access, the scheme lets customers modify their loan conditions using the firm's own token (also called SALT), according to Sinclair

New clients become members by depositing at least one SALT token onto the company's platform, and can then stake their tokens to adjust their loan interest rates.

Sinclair said the firm plans to continue developing its platform, and in the future plans to introduce micro-loans and qualified custody products, alongside international expansion.

SALT will also be looking at adding new blockchain tokens to be used as collateral, he said, explaining:

"As blockchain assets continue to grow in abundance and popularity, technology will need to pivot accordingly. ... Opening doors for our potential borrowers who may have selected different investments than bitcoin and ethereum will be a key differentiator for SALT in the future."


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