Arch (Standard) 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.
Rate data verified May 23, 2026 · Updated weekly
What Arch (Standard) 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. Arch now publishes two payment structures: the Monthly Payment product reviewed here and a separate Deferred Interest variant launched May 2026 (see Arch (Deferred)).
APR is all-in: origination fees are baked into the quoted rate rather than charged on top. For the Monthly Payment product, APR runs 10.49% (<$250K), 9.99% ($250K–$750K), 8.99% ($750K–$2M), 8.24% ($2M–$5M), and from 7.25% on custom-quoted $5M+ deals. The origination fee tiers down with loan size — 1.49% under $750K, 0.99% from $750K–$2M, 0.49% from $2M–$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. Borrowers who prefer no monthly cashflow during the term can choose the Deferred Interest variant at a ~50 bps APR premium. 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 (Standard) Compares
Arch (Standard) is one of several options in the Bitcoin loan market. Borrowers often compare it alongside Arch (Deferred), Ledn, 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 (Standard) safe to borrow against Bitcoin?
Arch (Standard) is operating since 2023. Your collateral is handled via qualified third-party custodian. Arch (Standard) 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 (Standard) charge?
Arch (Standard) charges 7.25%–10.49% APR. Monthly Payment product. APR is all-in (interest + origination fee). Tiered by loan size: 10.49% (<$250K) · 9.99% ($250K–$750K) · 8.99% ($750K–$2M) · 8.24% ($2M–$5M) · 7.25%+ ($5M+, custom). Origination fee is also tiered: 1.49% (<$750K), 0.99% ($750K–$2M), 0.49% ($2M–$5M). Arch also offers a Deferred Interest variant at a ~50 bps APR premium — see Arch (Deferred). There is a 1.49% origination fee.
Does Arch (Standard) rehypothecate my Bitcoin?
No — Arch (Standard) 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 (Standard) serve?
Arch (Standard) 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 (Standard) before applying, as state coverage can change.
How fast does Arch (Standard) fund loans?
Arch (Standard) 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 (Standard) 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 (Standard) before signing any loan agreement.
How does Arch (Standard) compare to other Bitcoin loan lenders?
To see Arch (Standard) 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.
Key Terms
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