Lender Comparison
Figure vs Arch (Standard)
Side-by-side comparison of rates, custody models, and loan terms.
Rate data verified May 25, 2026 · Updated weekly
Figure and Arch (Standard) side by side
| Figure | Arch (Standard) | |
|---|---|---|
| APR (min) | 9.84% | 7.25% |
| APR (max) | 12.45% | 10.49% |
| Max LTV | 75% | 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 9.84%); whether that's the better deal depends on loan size and origination fees, both folded into the effective APR figures in our table above. Figure offers a higher maximum LTV (75% vs 60%), which means more buying power per BTC pledged but a narrower buffer before liquidation if Bitcoin's price falls.
About each lender
Figure
Publicly traded on Nasdaq (FIGR; $7.6B IPO Sept 2025). Decentralized MPC custody via Figure Markets. No credit check on the crypto-backed loan. Also offers a HELOC product where BTC can be posted in escrow alongside home equity.
Full Figure 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
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