Lender Comparison
Arch (Deferred) vs Arch (Standard)
Side-by-side comparison of rates, custody models, and loan terms.
Rate data verified May 23, 2026 · Updated weekly
Arch (Deferred) and Arch (Standard) side by side
| Arch (Deferred) | Arch (Standard) | |
|---|---|---|
| APR (min) | 8% | 7.25% |
| APR (max) | 10.99% | 10.49% |
| 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 (Standard) starts lower (7.25% vs 8%); 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
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 →Arch (Standard)
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.
Full Arch (Standard) review →Compare all 15 lenders
Filter by loan amount, BTC holdings, state, and custody preference.
Open comparison tool →borrowonbitcoin.com is a comparison publisher, not a lender or financial advisor. Data verified weekly. Full disclosures.