Arch* now offers loans starting at 8.49% APR - configure yours today

Setting the standard for
Bitcoin-backed loans

Secure loans backed by BTC, ETH and SOL from 8.49% APR. Access USD or USDC funding quickly with collateral held in a qualified custodian and no re-hypothecation.

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Trustpilot

Loans serviced

$0M+

Borrowers serviced

0+

States served

0
How much
will your
unlock?
BTC
USD

Loan Overview

  • Duration up to

    12 months

  • Loan APR

    11.84%

  • Loan-To-Value (LTV)

    Up to 60%

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Lending that is secure, flexible & human

Your collateral stays yours

Strict no‑rehypothecation with Anchorage Digital as a qualified custodian for your valued assets.

Flexible like a line of credit

Upsize as your collateral appreciates. Add or release collateral and extend your term anytime.

White glove support

Available via chat, direct email, phone, and 1:1 video calls. Reach real humans with fast replies.

Start a loan in under 10 minutes

Only four steps exist between you and financial freedom.

11
Choose your terms

Pick your loan amount, collateral type, and LTV.

22
Complete KYC

Verify your identity and complete onboarding — usually takes just a few minutes.

33
Send collateral

Transfer BTC, ETH, or SOL to our qualified custodian.

44
Get funded

Receive USD or USDC in minutes.

How Bitcoin-backed loans work

Borrow without selling
Deposit BTC, ETH, or SOL as collateral and receive a loan in USD or USDC. You keep full ownership and avoid triggering a capital gains tax event.
Learn how loans work
Keep your upside
Selling your Bitcoin means giving up future appreciation and paying capital gains tax. Crypto-backed lending lets you access liquidity while preserving your tax position. Rates start at 8.49% APR .
View our rates
Understand LTV
Loan-to-Value is the ratio of your loan to your collateral's value. Arch uses tiered safeguards: a conservative starting LTV, early notifications, margin calls to top up collateral, and partial liquidations only to restore loan health.
Check your eligibility
Qualified custodian, not smart contract risk.
Your collateral is held by Anchorage Digital, a federally chartered bank, in segregated wallets with zero rehypothecation and $100M Lloyd's of London insurance.
Learn more

Industry-leading security that earns & retains trust

Protected at all times. Your assets are never lent out or rehypothecated, ensuring complete security and control.

Qualified custodian. Collateral is securely held by Anchorage Digital, offering verifiable segregation and robust protections.

Insured. Your assets are covered by $100M Lloyd's of London insurance through Anchorage Digital.

Your personal liquidity toolkit

Upsize and access more cash as your Bitcoin appreciates

Withdraw excess collateral as Bitcoin appreciates

Rollover to extend your loan duration any time in one click

Add more collateral at any time

Defer interest payments till maturity

Prepay anytime with no penalties

Different. By design.

Other Lenders

Industry-leading rates

Transparent rate tiers, starting from 8.49% APR
Opaque, hand shake deals for insiders, with rates as high as 12.75% APR

Qualified custodian

Your collateral is held by Anchorage, a federally chartered digital asset bank.
Second tier custodians or untested smart contract platforms.

No-rehypothecation

We never lend out your crypto. Your Bitcoin stays your Bitcoin.
Pool and lend out your collateral

Bankruptcy-remote

Your collateral is structurally separated from Arch's balance sheet and backup servicers are in place.
Collateral at risk if their business collapses.

Cure window

If prices dip, you get time to add collateral before any liquidation.
Liquidate immediately.

Line-of-credit flexibility

Rollover, upsize, or pay down your loan anytime. No prepayment penalties.
Strict terms.

Legal status

Registered and licensed in the United States.
Foreign registrations or operating without licenses.

Deferred interest

Interest accrues and isn't due till maturity.
Mandatory monthly payments.

Partial liquidation

We only sell just enough collateral to restore a healthy LTV, never your full position.
Full position liquidated in a single move.

Frequently asked questions

Still can't find what you're looking for? Book a call or visit our help center.

Unlock your crypto without selling.

Start a loan now, or book a call if you want to speak with our team

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