Arch (Deferred) vs Nexo
Side-by-side comparison of rates, custody models, and loan terms.
Rate data verified June 16, 2026 · Updated weekly
Arch (Deferred) and Nexo side by side
| Arch (Deferred) | Nexo | |
|---|---|---|
| APR (min) | 8% | 17.9% |
| APR (max) | 10.99% | 18.9% |
| Max LTV | 60% | 50% |
| Min loan | — | — |
| Max loan | No stated max | No stated max |
| Custody model | qualified custodian | lender pool |
| Rehypothecation | No | Yes |
| Funding speed | — | — |
| States | — | — |
Key differences
On posted APR, Arch (Deferred) starts lower (8% vs 17.9%); whether that's the better deal depends on loan size and origination fees, both folded into the effective APR figures in our table above. Custody differs: Arch (Deferred) uses qualified custodian, Nexo uses lender pool, a meaningful distinction for any borrower who weighs counterparty risk against rate. Nexo rehypothecates collateral (re-lends pledged Bitcoin); Arch (Deferred) does not. The latter carries less counterparty risk if the lender becomes insolvent. Arch (Deferred) offers a higher maximum LTV (60% vs 50%), which means more buying power per BTC pledged but a narrower buffer before liquidation if Bitcoin's price falls.
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 →Nexo
Nexo offers instant crypto-backed credit lines, letting you borrow against Bitcoin without selling. After a 2022 US exit and a 2023 SEC settlement over its Earn product, Nexo relaunched in the US in February 2026 through regulated partner Bakkt. US-specific credit-line terms had not been separately published as of mid-2026.
Full Nexo review →Compare all 15 lenders
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