Lender Comparison
Arch (Standard) vs Unchained
Side-by-side comparison of rates, custody models, and loan terms.
Rate data verified May 25, 2026 · Updated weekly
Arch (Standard) and Unchained side by side
| Arch (Standard) | Unchained | |
|---|---|---|
| APR (min) | 7.25% | 14.18% |
| APR (max) | 10.49% | 14.18% |
| Max LTV | 60% | 50% |
| Min loan | — | — |
| Max loan | No stated max | No stated max |
| Custody model | qualified custodian | multisig collaborative |
| Rehypothecation | No | No |
| Funding speed | — | — |
| States | — | — |
Key differences
On posted APR, Arch (Standard) starts lower (7.25% vs 14.18%); 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 (Standard) uses qualified custodian, Unchained uses multisig collaborative, a meaningful distinction for any borrower who weighs counterparty risk against rate. Arch (Standard) 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 (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 →Unchained
Operating since 2016. Multisig collaborative custody: borrower holds 1 of 3 keys. Non-rehypothecation is verifiable on-chain. $150K–$1M loan range. Rates by consultation; not publicly posted.
Full Unchained 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.