APX Lending vs Arch (Deferred)
Side-by-side comparison of rates, custody models, and loan terms.
Rate data verified June 9, 2026 · Updated weekly
APX Lending and Arch (Deferred) side by side
| APX Lending | Arch (Deferred) | |
|---|---|---|
| APR (min) | 9.99% | 8% |
| APR (max) | 11.49% | 10.99% |
| Max LTV | 60% | 60% |
| Min loan | — | — |
| Max loan | No stated max | No stated max |
| Custody model | qualified custodian | qualified custodian |
| Rehypothecation | No | No |
| Funding speed | — | — |
| States | — | — |
Key differences
On posted APR, Arch (Deferred) starts lower (8% vs 9.99%); whether that's the better deal depends on loan size and origination fees, both folded into the effective APR figures in our table above.
About each lender
APX Lending
Regulated crypto-backed lender serving US and Canadian borrowers, with no credit checks and no origination or management fees. Collateral (BTC, ETH) is held in segregated, insured cold storage with BitGo Trust. US loans start at 25,000 dollars with tiered APRs.
Full APX Lending review →Arch (Deferred)
Bitcoin-backed loan with Anchorage Digital qualified custody, segregated wallets, $100M Lloyd's of London insurance, and explicit no-rehypothecation policy. The Deferred Interest variant (launched May 2026) carries no monthly payments, interest accrues to maturity or rolls into the next loan.
Full Arch (Deferred) review →Compare all 15 lenders
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