Arch (Standard) vs Arch (Deferred)
The same lender, two repayment structures: pay interest as you go, or defer it to the end.
Rates as of June 2026 · Verified weekly · By Michael Song
Arch (Standard)$100k loan, 50% LTV · Max LTV 60%
Arch (Deferred)$100k loan, 50% LTV · Max LTV 60%
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The bottom line
Both are Arch, with Anchorage custody, a 60% max LTV, and the same fee structure, so the real choice is cash flow. Standard carries the lower rate (around 7.25%) and you service interest along the way. Deferred runs a bit higher (around 8.0%) but lets you make no monthly payments, with interest capitalizing to the balance instead. Choose Standard for the lowest cost; choose Deferred if you want zero monthly outlay and can accept a growing balance.
Conditional guidance, not a recommendation. The right pick depends on your loan size, LTV, state, and what you value most. Rates can change; the table below is the live source.
Arch (Standard) vs Arch (Deferred), side by side
| Arch (Standard) | Arch (Deferred) | |
|---|---|---|
| Effective APR$100k loan, 50% LTV, all-in | 10.49% | 10.99% |
| Starting APR | 7.25% | 8% |
| Origination fee | 1.49% | 1.49% |
| Liquidation fee | 2% | 2% |
| Max LTV | 60% | 60% |
| Custody model | Qualified custodian (Anchorage Digital) | Qualified custodian (Anchorage Digital) |
| Rehypothecation | No | No |
| Margin-call cure window | 24 hours | 24 hours |
| Funding speed | Same day to 1 day | Same day to 1 day |
| Minimum loan | $5,000 | $5,000 |
| Maximum loan | No stated maximum | No stated maximum |
| Loan terms | 1 to 12 months; interest-only; rollover available at maturity | 1 to 12 months; deferred interest; settle at maturity or roll accrued interest into a new loan's principal |
| Prepayment | No prepayment penalty | No prepayment penalty. Accrued interest can be settled at any time without penalty. |
| Operating since | 2023 | 2023 |
| Availability | 39 states (excludes 11) | 39 states (excludes 11) |
Rates and fees
On a $100,000 loan at 50% LTV, Arch (Standard) is the cheaper borrow: an all-in effective APR of about 10.49% versus 10.99% at Arch (Deferred), a gap of roughly 0.5 points before fees.
Custody and counterparty risk
Arch (Standard) holds collateral via qualified custodian (Anchorage Digital), while Arch (Deferred) uses qualified custodian (Anchorage Digital). Neither rehypothecates collateral.
Loan terms and flexibility
Arch (Standard) offers 1 to 12 months; interest-only; rollover available at maturity; Arch (Deferred) offers 1 to 12 months; deferred interest; settle at maturity or roll accrued interest into a new loan's principal. Arch (Deferred) can run with no monthly payments, with interest deferring and capitalizing to the balance, while Arch (Standard) expects you to service interest along the way. Neither penalizes early repayment.
Track record and availability
On availability, Arch (Standard) is not available in 11 states, while Arch (Deferred) excludes 11.
Strengths and trade-offs
Arch (Standard)
- Anchorage Digital qualified custody
- $100M Lloyd's of London insurance
- Zero rehypothecation, explicit policy
- Segregated wallets
- $75M raised (2024)
- 1.5% origination fee plus 2.5% liquidation fee
- Not available in CA, DE, MS, MT, NV, ND, RI, VT
- Company founded 2023
Arch (Deferred)
- No monthly payments, interest accrues to maturity
- Option to roll accrued interest into a new loan's principal at renewal
- Anchorage Digital qualified custody
- $100M Lloyd's of London insurance
- Zero rehypothecation, explicit policy
- Carries a ~50 bps APR premium over the Monthly Payment tier; the deferral has a price
- 1.49% origination fee plus 2.00% liquidation fee (origination tiers down at higher loan sizes)
- Not available in 11 states: CA, DE, HI, MS, MT, NV, ND, RI, SC, TX, VT
About each lender
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.
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.
Frequently asked
Is Arch (Standard) or Arch (Deferred) cheaper?
On a $100,000 loan at 50% LTV, Arch (Standard) is cheaper, with an all-in effective APR of about 10.49% versus 10.99%.
Which has lower custody risk, Arch (Standard) or Arch (Deferred)?
Arch (Standard) uses qualified custodian and Arch (Deferred) uses qualified custodian. Neither rehypothecates pledged collateral.
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borrowonbitcoin.com is a comparison publisher, not a lender or financial advisor. Rate data verified June 9, 2026. How we verify rates · Full disclosures.