Arch (Standard) Review: 2026 Bitcoin Loan Comparison
Rate data verified July 28, 2026 · Verified daily
Up to 0.50% below Arch (Standard)’s standard rate — applied automatically when you start your loan here. No code needed.
Bitcoin-backed loan with Anchorage Digital qualified custody, segregated wallets, $100M Lloyd's of London insurance, and explicit no-rehypothecation policy. Multi-collateral: BTC, ETH, SOL.
Your Arch (Standard) rate
BTC $63,768 · liveEstimate only, at BTC $63,768. Effective APR spreads Arch (Standard)’s 1.49% origination fee over 1 year. No credit pull · Confirm live terms with Arch (Standard).
What you pay, by loan size
| Loan size | Arch (Standard) standard | Your rate via BoB |
|---|---|---|
| Under $250,000 | 10.5% | 9.99% |
| $250,000 – $750,000 | 9.99% | 9.49% |
| $750,000 – $2,000,000 | 8.99% | 8.49% |
| $2,000,000 – $5,000,000 | 8.24% | 7.74% |
| $5,000,000 – $10,000,000 | 7.74% | 7.24% |
| $10,000,000 and above | 7.25% | 6.75% |
Key facts
- Anchorage Digital qualified custody
- $100M Lloyd's of London insurance
- Zero rehypothecation, explicit policy
- Segregated wallets
- $75M raised (2024)
- Multi-collateral: BTC, ETH, SOL
Refinancing
You can roll over or refinance from the dashboard at the end of your term, or any time without a prepayment penalty, at the prevailing rate. The origination fee (0.25%–1.49%, tiered by size) applies again on each new loan.
How Arch (Standard) compares at $100K
| Lender | APR | Max LTV | Rehypothecation | Cure window |
|---|---|---|---|---|
| Arch (Standard) | 10.49% | 60% | No | Yes |
| Arch (Deferred) | 10.99% | 60% | No | Yes |
| Ledn | 11.49% | 50% | No | None stated |
| Figure | 9.76% | 75% | No | None stated |
See all lenders at your loan size →
Arch (Standard) articles & comparisons
Exclusive Bitcoin Loan Rates Through Borrow on Bitcoin
A few lenders now offer discounted Bitcoin-backed loan rates through Borrow on Bitcoin that you will not get going to them directly. Ledn takes up to 0.25% off, and Arch 0.50% off, for borrowers who start here.
Read article →Coinbase vs Arch: Bitcoin Loan Comparison (2026)
Coinbase's DeFi USDC loan vs Arch's low-rate, qualified-custodian dollar loan: rate, LTV, custody, liquidation, and payout compared so you can see which fits.
Read article →Bitcoin Loan Rates June 2026: Where APRs Stand and How to Compare Lenders
Current Bitcoin-backed loan rates for June 2026: the average all-in APR at $100k and 50% LTV across US lenders, plus how borrowing more or at a lower LTV changes your rate.
Read article →Head-to-head comparisons
Frequently asked
Is Arch (Standard) safe to borrow against Bitcoin?
Arch (Standard) is operating since 2023. Your collateral is handled via qualified third-party custodian. Arch (Standard) does not rehypothecate your Bitcoin. Insurance coverage: $100M Lloyd's of London (via Anchorage). As with any Bitcoin-backed loan, review the custody model, liquidation thresholds, and loan terms carefully before borrowing.
What rates does Arch (Standard) charge?
Arch (Standard) charges 7.25%–10.49% APR. Monthly Payment product. APR is all-in (interest + origination fee), tiered by loan size: <$250K 10.49% · $250K-750K 9.99% · $750K-2M 8.99% · $2M-5M 8.24% · $5M-10M 7.74% · $10M+ from 7.25% APR (custom). Origination fee tiered: 1.49% (<$750K), 0.99% ($750K-2M), 0.49% ($2M-10M), 0.25% ($10M+). 60% max LTV. Custody: Anchorage Digital, no rehypothecation, $100M Lloyd's insurance. Deferred Interest variant ~50bps higher (see Arch Deferred). Source: archlending.com/crypto-loans, verified 2026-07-05. There is a 1.49% origination fee.
Does Arch (Standard) rehypothecate my Bitcoin?
No, Arch (Standard) does not rehypothecate your Bitcoin. Your collateral is held via qualified third-party custodian and is not re-lent to other parties.
What states does Arch (Standard) serve?
Arch (Standard) is available in Most states (not CA, DE, HI, MS, MT, NV, ND, RI, SC, TX, VT). Not available in: CA, DE, HI, MS, MT, NV, ND, RI, SC, TX, VT Always confirm current availability directly with Arch (Standard) before applying, as state coverage can change.
How fast does Arch (Standard) fund loans?
Arch (Standard) typically funds within Instant. Loan terms: 1 to 12 months; interest-only; rollover available at maturity. Actual timing may vary based on verification requirements and your specific situation.
What fees does Arch (Standard) charge?
Known fees include: a 1.49% origination fee; a 2% liquidation fee if collateral is sold; 1.5% origination fee + 2.5% liquidation fee; No prepayment penalty. Always request a full fee disclosure from Arch (Standard) before signing any loan agreement.
How does Arch (Standard) compare to other Bitcoin loan lenders?
To see Arch (Standard) side-by-side with every other major Bitcoin loan lender, rates, custody model, LTV, and more, use the free comparison tool at borrowonbitcoin.com. You can sort by APR, LTV, funding speed, or custody model and filter to your state.
Bitcoin loans by state
Which lenders operate where, plus the sell-vs-borrow tax angle for your state: