Does Arch rehypothecate collateral?

Never. Zero-rehypothecation policy. Your crypto is not lent, staked, or used for any purpose.

What if Arch goes bankrupt?

Your collateral is held by Anchorage Digital in a bankruptcy-remote structure. Arch cannot access or claim your assets in any corporate event.

What custody standard do you use?

Qualified custody via Anchorage Digital, an OCC-chartered national trust bank with SOC 2 Type II certification.

Arch* now offers loans starting at 7.25% APR – configure yours today

Trust & Safety

How Arch protects borrowers

Q: Is my collateral insured?

$100M coverage through Lloyd's of London, protecting against theft, hacking, and internal fraud.

Arch Lending is built on transparency, custody with a qualified custodian, and regulatory compliance. Licensed under NMLS #2637200, with custody by Anchorage Digital and $100M Lloyd's of London insurance.

Zero rehypothecation, ever Your crypto is never lent, staked, traded, or used for any purpose other than securing your loan. This isn't a policy that can change; it's fundamental to how Arch operates.

Qualified custodian Anchorage Digital is the only federally chartered digital asset bank in the U.S., regulated by the OCC, with SOC 2 Type II certification and institutional-grade cold storage with MPC keys.

$100M insurance Anchorage Digital maintains comprehensive coverage through Lloyd's of London, protecting against theft, hacking, and internal fraud, in addition to operational safeguards.

Bankruptcy-remote Your collateral is legally separated from Arch's corporate assets and held by Anchorage Digital. In any corporate event, your crypto is not part of Arch's estate or claimable by creditors.

Regulatory compliance Arch Lending operates under NMLS #2637200 and lends in 45 U.S. states under state lending licenses or applicable exemptions. Anchorage Digital is regulated by the OCC as a national trust bank.

Backed by leading investors Morgan Creek Digital, Castle Island Ventures, Galaxy Ventures, BitGo Ventures, and Alumni Ventures have invested in Arch's mission to build the most trusted crypto lending platform.

Operational safeguards

Multi-party transfer approval

Every collateral transfer requires approval from multiple authorized Arch team members, verified through video authentication and validated by Anchorage Digital.

Continuous security testing

Regular penetration testing and an active bug bounty program for security researchers. Our systems are continuously monitored, audited, and updated against threats.

On-chain verification

We offer segregated wallets for borrowers with loans over $100K, with block explorer links to verify their collateral on-chain.

LTV level
≤ 60%
Status
Healthy
Action Required
No action needed
LTV level
65%
Status
Warning
Action Required
Notification sent; consider adding collateral
LTV level
70%
Status
Margin Call
Action Required
24-hour cure window to add collateral or partially repay
LTV level
80%
Status
Partial Liquidation
Action Required
Minimum collateral sold to restore healthy LTV

LTV Level	Status	Action Required
≤ 60%	Healthy	No action needed
65%	Warning	Notification sent; consider adding collateral
70%	Margin Call	24-hour cure window to add collateral or partially repay
80%	Partial Liquidation	Minimum collateral sold to restore healthy LTV