Lender Comparison
SALT vs Arch (Standard)
Side-by-side comparison of rates, custody models, and loan terms.
Rate data verified May 25, 2026 · Updated weekly
SALT and Arch (Standard) side by side
| SALT | Arch (Standard) | |
|---|---|---|
| APR (min) | 9.95% | 7.25% |
| APR (max) | 14.45% | 10.49% |
| Max LTV | 70% | 60% |
| Min loan | — | — |
| Max loan | No stated max | No stated max |
| Custody model | lender pool rehypothecation | qualified custodian |
| Rehypothecation | Yes | No |
| Funding speed | — | — |
| States | — | — |
Key differences
On posted APR, Arch (Standard) starts lower (7.25% vs 9.95%); 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: SALT uses lender pool rehypothecation, Arch (Standard) uses qualified custodian, a meaningful distinction for any borrower who weighs counterparty risk against rate. SALT rehypothecates collateral (re-lends pledged Bitcoin); Arch (Standard) does not. The latter carries less counterparty risk if the lender becomes insolvent. SALT offers a higher maximum LTV (70% vs 60%), which means more buying power per BTC pledged but a narrower buffer before liquidation if Bitcoin's price falls.
About each lender
SALT
Operating since 2016. APR tiered by LTV: 9.95% at 30% LTV, 10.95% at 50%, 14.45% at 70%. Terms explicitly allow rehypothecation. California DFPI suspended lending license in 2024; SEC fined in 2020 for unregistered ICO; paused withdrawals Nov 2022.
Full SALT 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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