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Arch Review: 2026 Bitcoin Loan Comparison

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.

What Arch Offers

Arch is a 2023 startup that stores customer Bitcoin with Anchorage Digital — a federally-chartered digital asset bank — and backs the arrangement with $100M in Lloyd's of London insurance. That combination of qualified custody and named insurance coverage is unusual for a lender its age. Arch raised $75M in 2024 and accepts BTC, ETH, and SOL as collateral, though this review covers the Bitcoin-backed loan.

APR is all-in: origination fees are baked into the quoted rate rather than charged on top. For loans under $750K the origination fee is 1.49% and APR runs 9.99–10.49%. Larger loans step down — 8.99% APR ($750K–$2M), 8.24% ($2M–$5M), and custom-quoted for $5M+. A 2.00% liquidation fee applies if Arch sells collateral to cure a margin call. Loans run 1–12 months on an interest-only basis, with rollover available at maturity. Arch funds within one business day.

The tradeoff for that custody quality is a 60% maximum LTV — lower than Salt (70%) or CoinRabbit (90%). High LTVs in this market typically come from lenders that pool or re-lend collateral; Arch explicitly refuses to rehypothecate, which is what makes the Anchorage custody arrangement meaningful. Margin calls allow a 24-hour cure window; any liquidation is partial rather than full-balance. Not available in California, Delaware, Hawaii, Mississippi, Montana, Nevada, North Dakota, Rhode Island, South Carolina, Texas, or Vermont.

Key Facts

  • Anchorage Digital qualified custody
  • $100M Lloyd's of London insurance
  • Zero rehypothecation — explicit policy
  • Segregated wallets
  • $75M raised (2024)
  • Multi-collateral: BTC, ETH, SOL

What to Consider

  • 1.5% origination fee plus 2.5% liquidation fee
  • Not available in CA, DE, MS, MT, NV, ND, RI, VT
  • Company founded 2023

How Arch Compares

Arch is one of several options in the Bitcoin loan market. Borrowers often compare it alongside Ledn, Strike, and Figure. Each lender differs on APR range, custody model, rehypothecation posture, max LTV, and state coverage — factors that matter differently depending on your loan size and how much you care about custody transparency. The side-by-side comparison lets you sort and filter all Bitcoin loan lenders at once.

Frequently Asked Questions

Is Arch safe to borrow against Bitcoin?

Arch is operating since 2023. Your collateral is handled via qualified third-party custodian. Arch does not rehypothecate your Bitcoin. Insurance coverage: $100M Lloyd's of London (via Anchorage). As with any Bitcoin-backed loan, review the custody model, liquidation thresholds, and loan terms carefully before borrowing.

What rates does Arch charge?

Arch charges 7.25%–10.49% APR. APR is all-in (interest + origination fee). Tiered by loan size: 10.49%% (<) · 9.99%% (–) · 8.99%% (–) · 8.24%% (–) · 7.25%%+ (+, custom). Origination fee also tiered: 1.49%% (<), 0.99%% (–), 0.49%% (–). There is a 1.49% origination fee.

Does Arch rehypothecate my Bitcoin?

No — Arch does not rehypothecate your Bitcoin. Your collateral is held via qualified third-party custodian and is not re-lent to other parties.

What states does Arch serve?

Arch is available in Most states (not CA, DE, HI, MS, MT, NV, ND, RI, SC, TX, VT). Not available in: CA, DE, HI, MS, MT, NV, ND, RI, SC, TX, VT Always confirm current availability directly with Arch before applying, as state coverage can change.

How fast does Arch fund loans?

Arch typically funds within Instant. Loan terms: 1 to 12 months; interest-only; rollover available at maturity. Actual timing may vary based on verification requirements and your specific situation.

What fees does Arch charge?

Known fees include: a 1.49% origination fee; a 2% liquidation fee if collateral is sold; 1.5% origination fee + 2.5% liquidation fee; No prepayment penalty. Always request a full fee disclosure from Arch before signing any loan agreement.

How does Arch compare to other Bitcoin loan lenders?

To see Arch side-by-side with every other major Bitcoin loan lender — rates, custody model, LTV, and more — use the free comparison tool at borrowonbitcoin.com. You can sort by APR, LTV, funding speed, or custody model and filter to your state.

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We are not a lender, broker, or registered investment advisor. We may receive compensation from some lenders featured; this does not influence our default ordering or the factual data we publish. Rates and terms are subject to change; verify directly with each lender before applying. Full disclosures.