Arch Lending

Crypto Loans
Updated Edited by George Ong
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Arch Lending Overview

Key facts

Product Name
Arch Lending
Release Date
2022
Website
archlending.com
Service model
centralized
Product status
available
Collateral & debt
BTC, ETH, SOL, XRP, PAX Gold (PAXG), Tether Gold (XAUT); Debt currency: USD or USDC
Borrowing rate
10.49–10.99% apr / annual; fixed; Fixed · 12-month BTC/ETH/SOL under $250,000 · 10.49% APR monthly / 10.99% APR deferred

Additional details

Offer scope
Arch Crypto-Backed Loan; Consumer crypto-backed loan for eligible US individuals, one collateral type per loan, for up to 12 months. The headline rate is the 12-month BTC, ETH, or SOL tier below $250,000.
Amount & term
From $5,000 · Asset/state minimums · Up to 12 months; Loan structure: Term loan; Minimum: USD or USDC 5000; Maximum: Individual quote required; From $5,000 · Asset/state minimums
LTV & liquidation
Asset-specific LTV · Partial sales · Uncured call, late interest. BTC starts at up to 60% LTV, with a margin call at 70% and partial liquidation at 80%. ETH 55%, SOL/XRP 45%, gold tokens 75% starting LTV.; Maximum initial LTV: 60%
Fees
Origination · Collateral-sale fees · Late fees may apply
Repayment
Monthly interest or deferred · Early payoff
Availability
8 states excluded · Check HI, MD, SC; KYC: Required; Credit check: Not required
Payout
Bank/USDC · Same-day processing estimate
Custody
Anchorage Digital · No-reuse policy

Arch Lending Review

Arch Lending

Crypto Loans

7.4 Good

Arch Lending sets a fixed interest rate at origination and lets you adjust the balance through repayments or extra borrowing. Those changes still have costs and deadlines. An upsize keeps the original maturity date, and rollover can add a fee to the new debt without sending you more cash.

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Arch Lending About

Arch Lending is the trading name of ChainFi, Inc., a US nonbank lender founded in 2022. It offers fixed-rate loans of up to 12 months in US dollars or USD Coin (USDC) against BTC, ETH, SOL, XRP, PAX Gold, or Tether Gold, with identity checks but no credit-bureau check.

For 12-month loans below $250,000 backed by BTC, ETH, or SOL, Arch advertises 10.49% APR with monthly interest, and the origination fee comes out of the payout. Loans start at $5,000, and the maximum starting LTV is 60% for BTC.

Anchorage Digital holds the collateral, which Arch states is not lent, staked, or reused. A margin call gives up to 24 hours to respond, though reaching 80% LTV on BTC can trigger a partial sale sooner. Arch does not lend to individuals in eight US states.

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