Arch Drops Top-Tier APR to 7.25%

Q2 2026 rate update

For years, crypto-backed lending has had a credibility problem. Rates were opaque, and pricing was negotiated behind closed doors.

Last quarter, Arch published the first transparent, size-based rate table in the category. The thesis was that clear pricing would build trust, and that trust would compound into scale. That thesis is holding.

Today we are extending it. Arch is dropping its published rates across every size band and simplifying the structure at the top.

Crypto-Backed Loans (BTC, ETH, SOL)

The new lowest APR is starting from 7.25% on the largest deals — a 124 basis point reduction from the prior 8.49% floor. Smaller loan sizes have been repriced as well. Loans under $250K go from 11.84% APR to 10.49% APR, a 135 basis point cut.

All loans remain structured as 12-month terms with auto-rollover at maturity. There are no lockups and no prepayment penalties once a loan is open.

As our loan book grows, our cost of capital decreases. Instead of pocketing the spread, we pass it through. The simplified $5M+ tier reflects the actual cost curve at scale and the demand profile we have seen from family offices, treasuries, and funds since the prior update. Large positions are best priced individually rather than slotted into a fixed band. State lending rules continue to apply and promotional codes remain active.

This is the lowest published rate in our industry. Reach out and we will quote your size directly.

Loan Size	Monthly-Pay APR	Deferred Interest APR	Origination
< $250K	10.49%	10.99%	1.49%
$250K – $750K	9.99%	10.49%	1.49%
$750K – $2M	8.99%	9.49%	0.99%
$2M – $5M	8.24%	8.74%	0.49%
> $5M	Starting from 7.25%	Starting from 8.00%	Custom

Get Started

New rates are live today. They apply to new originations, upsizes, and rollovers only. To configure a loan or talk to our team about a structured size, schedule a call.