Arch (Standard) vs CoinRabbit
The lowest-rate option in our set against the highest maximum LTV.
Rates as of July 2026 · Verified weekly · By Borrow on Bitcoin
Arch (Standard)Exclusive rate
$100k loan, 50% LTV · Max LTV 60%
CoinRabbit$100k loan, 50% LTV · Max LTV 90%
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The bottom line
They sit at opposite ends. Arch (Standard) is built for cost and safety: a starting rate near 7.25% and Anchorage qualified custody, with a 60% LTV cap. CoinRabbit prices higher (around 11.95%) but allows up to 90% LTV with no origination or liquidation fee and fast, flexible funding, holding collateral itself. Choose Arch for the rate and custody; choose CoinRabbit if you need maximum borrowing power per coin and value speed over price.
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 CoinRabbit, side by side
| Arch (Standard) | CoinRabbit | |
|---|---|---|
| Effective APR$100k loan, 50% LTV, all-in | 10.49% | 16.8% |
| Starting APR | 7.25% | 11.95% |
| Origination fee | 1.49% | None |
| Liquidation fee | 2% | None |
| Max LTV | 60% | 90% |
| Custody model | Qualified custodian (Anchorage Digital) | Lender-held |
| Rehypothecation | No | No |
| Margin-call cure window | 24 hours | No formal window |
| Funding speed | Same day to 1 day | Same day to 1 day |
| Minimum loan | $5,000 | $100 |
| Maximum loan | No stated maximum | No stated maximum |
| Loan terms | 1 to 12 months; interest-only; rollover available at maturity | Open-ended (no fixed maturity date) by default; 30-day fixed-term option available at reduced rate |
| Prepayment | No prepayment penalty | No prepayment penalties. Repay in full or partial at any time with no fixed schedule. |
| Operating since | 2023 | 2020 |
| Availability | 39 states (excludes 11) | All 50 states |
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 16.8% at CoinRabbit, a gap of roughly 6.31 points before fees. CoinRabbit charges no origination fee; Arch (Standard) adds 1.49% up front, which matters most on shorter terms. If a position is liquidated, CoinRabbit charges the smaller penalty (0% vs 2%).
Custody and counterparty risk
Arch (Standard) holds collateral via qualified custodian (Anchorage Digital), while CoinRabbit uses lender-held. Neither rehypothecates collateral.
Loan terms and flexibility
Arch (Standard) offers 1 to 12 months; interest-only; rollover available at maturity; CoinRabbit offers open-ended (no fixed maturity date) by default; 30-day fixed-term option available at reduced rate. On a margin call, Arch (Standard) gives a 24-hour cure window and CoinRabbit gives no formal cure window, the time you have to add collateral or repay before a forced sale.
Leverage, limits, and speed
CoinRabbit allows the higher maximum LTV (90% vs 60%), so you can borrow more per Bitcoin, at the cost of a thinner buffer before a margin call if the price falls. Minimums differ: $5,000 at Arch (Standard) versus $100 at CoinRabbit.
Track record and availability
CoinRabbit has the longer history, operating since 2020 versus 2023. On availability, Arch (Standard) is not available in 11 states, while CoinRabbit covers all 50 states.
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
CoinRabbit
- $100 minimum loan
- ~10 minute funding
- 350+ collateral assets supported
- Available globally
- $1.45B+ originated
- Specific qualified custodian not publicly disclosed
- No state-by-state US breakdown available
- Non-rehypothecation is claimed but not third-party verifiable
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.
CoinRabbit
Operating since November 2020. $1.45B+ originated. Low $100 minimum loan, ~10 minute funding, 350+ collateral assets supported. Specific qualified custodian not disclosed publicly.
Frequently asked
Is Arch (Standard) or CoinRabbit cheaper?
On a $100,000 loan at 50% LTV, Arch (Standard) is cheaper, with an all-in effective APR of about 10.49% versus 16.8%. CoinRabbit also charges no origination fee, while Arch (Standard) adds 1.49% up front.
Which has lower custody risk, Arch (Standard) or CoinRabbit?
Arch (Standard) uses qualified custodian and CoinRabbit uses lender-held. Neither rehypothecates pledged collateral.
Can I borrow more with Arch (Standard) or CoinRabbit?
CoinRabbit allows the higher maximum LTV (90% versus 60%), so you can borrow more per Bitcoin pledged. The trade-off is a thinner buffer before a margin call if Bitcoin's price drops.
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borrowonbitcoin.com is a comparison publisher, not a lender or financial advisor. Rate data verified July 10, 2026. How we verify rates · Full disclosures.