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Coinbase Wallet vs MetaMask (2025)

Coinbase Wallet vs MetaMask (2025)

Introduction

In the crypto world, your choice of wallet can significantly impact your experience interacting with digital assets. With the surge in decentralized finance (DeFi), NFTs, and blockchain applications, selecting the right wallet has become more important than ever before.

MetaMask and Coinbase Wallet stand out as two of the most popular options, each with devoted user bases and unique strengths. But which one should you use? This comprehensive comparison dives deep into both wallets, exploring everything from security features to user experience, helping you make an informed decision based on your specific needs.

Understanding Cryptocurrency Hot Wallets

Before we dive into the particulars of MetaMask and Coinbase Wallet, let's clarify what cryptocurrency wallets actually are.

Hot Wallets are digital storage solutions connected to the internet, allowing users to send, receive, and manage their cryptocurrency holdings. Unlike cold wallets (hardware devices like Ledger or Trezor), hot wallets prioritize accessibility and convenience, making them ideal for active traders and DeFi participants.

Modern crypto wallets do far more than just store digital assets. They serve as gateways to decentralized applications (dApps), facilitating interactions with blockchain protocols for trading, lending, borrowing, and more. A good wallet should balance security, ease of use, and functionality—criteria we'll use to evaluate both MetaMask and Coinbase Wallet.

MetaMask

Background and Development

Launched in 2016 by ConsenSys, MetaMask began as an Ethereum-focused browser extension designed to bridge the gap between everyday internet users and the emerging Ethereum ecosystem. What started as a simple way to interact with the Ethereum blockchain has evolved into one of cryptocurrency's most widely-used wallets, boasting millions of active users.

MetaMask's open-source nature has been central to its philosophy from day one. The code is publicly available on GitHub, allowing developers worldwide to review, contribute to, and verify the wallet's security—a feature many crypto purists consider essential.

Key Features and Capabilities

MetaMask's primary strength lies in its deep integration with Ethereum and EVM-compatible blockchains. Here's what makes it stand out:

  • Extensive dApp Browser: MetaMask excels at connecting users to thousands of decentralized applications, functioning as both a wallet and a gateway to the Web3 ecosystem.

  • Custom Network Support: While primarily designed for Ethereum, MetaMask allows users to add custom networks manually, including Binance Smart Chain, Polygon, Avalanche, and other EVM-compatible chains.

  • Built-in Token Swap: MetaMask's swap feature aggregates decentralized exchanges to offer competitive rates, allowing users to trade tokens without leaving the wallet interface.

  • Hardware Wallet Integration: For enhanced security, MetaMask seamlessly connects with popular hardware wallets like Ledger and Trezor, providing an extra layer of protection for your private keys.

  • Portfolio Dapp: MetaMask Portfolio allows users to track their complete cryptocurrency holdings across multiple wallets and exchanges, offering a comprehensive view of their digital asset portfolio.

The user interface, while straightforward for experienced users, can be somewhat technical for beginners. MetaMask's design prioritizes functionality over simplicity, making it better suited for users who already understand basic blockchain concepts like gas fees and network configurations.

Coinbase Wallet

Background and Development

Developed by Coinbase, one of the world's largest cryptocurrency exchanges, Coinbase Wallet launched as a self-custody solution distinct from the company's exchange platform. While many confuse the two products, they serve different purposes: Coinbase Exchange is a centralized trading platform, while Coinbase Wallet is a self-custody wallet where users control their private keys.

Unlike MetaMask, Coinbase Wallet operates with closed-source code. This approach allows Coinbase to implement proprietary security features and maintain a consistent user experience across their product ecosystem.

Core Features and Functionality

Coinbase Wallet distinguishes itself with several notable features:

  • Multi-Chain Support: Unlike MetaMask's Ethereum focus, Coinbase Wallet natively supports multiple blockchains, including Bitcoin, Ethereum, Solana, Dogecoin, and more—no manual configuration required.

  • User-Friendly Interface: Coinbase Wallet offers a clean, intuitive design that appeals to newcomers and experienced users alike, with a mobile-first approach that makes crypto management accessible on the go.

  • Personalized Username: Users can create a unique username (yourname.cb.id) instead of relying on complex alphanumeric addresses, simplifying the sending and receiving process.

  • Cloud Backup Options: Coinbase Wallet supports encrypted backups to Google Drive or iCloud, providing an additional recovery method beyond the traditional seed phrase.

  • Web App Integration: The Coinbase Wallet web app offers a comprehensive view of holdings, NFT management, and trading capabilities for over 2 million tokens.

Many users report that Coinbase Wallet runs more smoothly than MetaMask on both mobile and desktop platforms, with fewer performance issues when handling complex transactions or large portfolios.

Security Comparison: Who Keeps Your Assets Safer?

When it comes to cryptocurrency, security isn't just a feature—it's a fundamental requirement. Both wallets employ different approaches to keeping your assets safe.

MetaMask Security

MetaMask employs several security measures to protect user funds:

  • Local Key Storage: Private keys are stored locally on your device, encrypted and inaccessible without your password.

  • End-to-End Encryption: All sensitive data remains encrypted, protecting your privacy during transactions.

  • Transaction Previews: MetaMask displays previews of all transactions, helping users identify potentially malicious requests before approving them.

  • Hardware Wallet Support: Integration with cold storage solutions like Ledger and Trezor provides an additional security layer for those seeking maximum protection.

However, as a browser extension, MetaMask faces certain vulnerabilities. Phishing attacks targeting MetaMask users are common, with scammers creating fake websites that mimic the wallet's interface to steal credentials. Users must remain vigilant and verify website authenticity before connecting their wallet.

Coinbase Wallet Security

Coinbase Wallet incorporates several security features into its design:

  • Self-Custody Model: Like MetaMask, Coinbase Wallet gives users full control over their private keys.

  • Transaction Previews: All transactions require explicit approval, with detailed previews helping users avoid scams.

  • dApp Blocklists: Coinbase Wallet maintains lists of known malicious applications, warning users before they interact with potentially dangerous smart contracts.

  • Optional Cloud Backup: While controversial among some privacy advocates, the encrypted cloud backup feature provides an important recovery option when seed phrases are lost.

  • Hardware Wallet Integration: Support for Ledger cold wallets adds an extra layer of security for high-value holdings.

Despite these protections, Coinbase Wallet's cloud backup feature introduces potential vulnerabilities if the cloud service is compromised. Users should weigh convenience against the slight increase in attack surface when deciding whether to enable this feature.

Comparing User Experience

The user experience can make or break a wallet's appeal, especially for newcomers to the crypto space.

Setup Process

MetaMask's setup is fairly straightforward but requires understanding concepts like seed phrases and network configuration. First-time users may find the technical terminology intimidating, though the wallet provides adequate guidance throughout the process.

Coinbase Wallet offers a more streamlined setup, with clear instructions and simplified language. The option to backup your recovery phrase to the cloud (encrypted, of course) makes the process less intimidating for crypto newcomers, though purists may prefer the traditional approach of writing down seed phrases physically.

Daily Usage

For day-to-day operations, both wallets have their strengths and weaknesses.

MetaMask excels when interacting with DeFi protocols and dApps, providing seamless connections to the Ethereum ecosystem. The transaction process is transparent, showing gas fees and other details, though this level of information can overwhelm beginners.

Coinbase Wallet provides a cleaner, more intuitive interface for basic operations like sending and receiving crypto. The personalized username feature (yourname.cb.id) simplifies transactions, eliminating the need to copy and paste long addresses. However, some users report that MetaMask offers more granular control over transaction settings, particularly gas fees on Ethereum.

Mobile vs Desktop Experience

Both wallets offer mobile and desktop versions, but the experience differs significantly.

MetaMask's browser extension remains its most powerful form, with the mobile app sometimes feeling like a secondary consideration. Some users report synchronization issues between devices and occasional lag when handling complex DeFi interactions on mobile.

Coinbase Wallet, by contrast, was designed with mobile users in mind. The app provides a smoother experience across devices, with consistent performance and design. The integrated dApp browser works well on smaller screens, making mobile DeFi interactions more accessible.

Feature Comparison Table

Feature

MetaMask

Coinbase Wallet

Open Source

Yes, fully open-source

No, closed source

Blockchain Support

Ethereum and EVM-compatible chains (manual setup required for non-Ethereum networks)

Multi-chain support including Bitcoin, Ethereum, Solana, Dogecoin, and more

User Interface

Functional but technical

Clean, intuitive design

Hardware Wallet Integration

Yes (Ledger, Trezor, Lattice)

Yes (Ledger)

dApp Integration

Extensive, widely supported

Good but less widespread than MetaMask

NFT Support

Yes, full support

Yes, full support with gallery view

Backup Options

Manual backup only

Manual and cloud backup (Google Drive/iCloud)

Customer Support

Community forums and knowledge base

Phone, email, chat, and Help Center

Personalized Username

No

Yes

Portfolio View

Yes, through MetaMask Portfolio

Yes, integrated

Fee Structure Analysis

Cryptocurrency wallet fees can significantly impact your bottom line, especially if you're an active trader or DeFi participant.

Network Fees

Both MetaMask and Coinbase Wallet require users to pay network fees for on-chain transactions. These fees vary by blockchain—Ethereum transactions typically cost more than those on Solana, for example.

Neither wallet controls these fees, though MetaMask provides more options for customizing gas prices on Ethereum, potentially saving money during periods of network congestion. Coinbase Wallet offers less granular control but provides reasonable fee estimates for multiple blockchains.

Swap and Exchange Fees

When using the built-in swap features, fee structures differ significantly:

  • MetaMask Swaps charges a flat 0.875% fee on all transactions, in addition to network fees. This transparent pricing is competitive for smaller swaps but can become costly for larger transactions.

  • Coinbase Wallet's in-app exchange feature applies standard Coinbase fees ranging from 0.05% to 0.60%, depending on the trading pair and volume. This tiered structure can be more economical for frequent traders.

Both wallets aggregate liquidity from multiple decentralized exchanges to offer competitive rates, though independent comparisons suggest MetaMask often finds slightly better prices despite the higher service fee.

Hidden Costs

Be aware of potential hidden costs when using either wallet:

  • Failed Transactions: On Ethereum, failed transactions still incur gas fees. MetaMask's more technical interface may help experienced users avoid these costly errors, while Coinbase Wallet's simpler approach might lead to occasional failures for complex interactions.

  • Slippage Tolerance: Both wallets allow users to set slippage tolerance for swaps, but default settings differ. Setting this too high can result in unfavorable exchange rates, effectively functioning as a hidden cost.

  • Network Switching: When manually adding networks to MetaMask, users must ensure they're selecting the correct network for each transaction to avoid cross-chain complications that may require costly remediation.

Use Case Scenarios

Different crypto users have different needs. Let's examine which wallet suits specific use cases best.

For DeFi Enthusiasts

If you're deeply involved in decentralized finance—staking, yield farming, liquidity providing—MetaMask emerges as the stronger choice. Its widespread adoption means virtually all Ethereum-based DeFi protocols support MetaMask connections, minimizing compatibility issues.

The wallet's detailed transaction information and gas customization options give DeFi power users the control they need when timing critical transactions. Additionally, MetaMask's open-source nature aligns with the philosophical underpinnings of the DeFi movement.

For NFT Collectors

Both wallets support NFT collections, but Coinbase Wallet offers a more visually appealing NFT gallery with better organization tools. The mobile experience for viewing and managing NFTs feels more polished on Coinbase Wallet, with metadata displayed more consistently.

However, MetaMask's wider adoption means some NFT marketplaces may offer deeper integration with it, particularly newer or niche platforms. For serious collectors who use multiple marketplaces, having both wallets might be the optimal approach.

For Beginners

Newcomers to cryptocurrency will likely find Coinbase Wallet more approachable. Its cleaner interface, simplified terminology, and cloud backup options reduce the learning curve significantly. The ability to use human-readable usernames instead of complex addresses also helps prevent costly mistakes when sending crypto for the first time.

Additionally, Coinbase Wallet's seamless connection to Coinbase Exchange provides an easy on-ramp from fiat currency to crypto—an important consideration for beginners who haven't yet established accounts with multiple exchanges.

For Multi-Chain Users

Users who regularly interact with multiple blockchains will appreciate Coinbase Wallet's native support for Bitcoin, Ethereum, Solana, and other non-EVM chains. While MetaMask can be configured to work with EVM-compatible networks, managing truly diverse crypto assets becomes cumbersome.

Coinbase Wallet simplifies the multi-chain experience, allowing users to view and manage all their assets from a single interface without complicated manual network configurations.

This multi-chain flexibility becomes particularly valuable when using services like Arch, which provides loans backed by Bitcoin, Ethereum, Solana, and other cryptocurrencies. Having seamless access to all your crypto assets within the same wallet creates a more fluid experience when leveraging your diverse portfolio as collateral.

For Privacy-Focused Users

Privacy-conscious users may prefer MetaMask's approach. Its open-source code allows security researchers to verify that the wallet isn't collecting unnecessary data, while the lack of cloud backups ensures all sensitive information remains local.

Coinbase Wallet, despite its self-custody model, maintains closer ties to the Coinbase ecosystem, potentially creating more data touchpoints. Those with strong privacy concerns might find MetaMask's more decentralized approach better aligned with their values.

Wallet Integration with Larger Ecosystem

A wallet's value isn't limited to its standalone features—integration with the broader crypto ecosystem matters too.

DeFi and Lending Platform Compatibility

Both wallets connect to various DeFi platforms, but their integration experiences differ slightly. MetaMask's widespread adoption means virtually all Ethereum-based lending protocols recognize and connect seamlessly with it. If you're looking to use your crypto as collateral for loans, platforms like Arch (which specializes in loans backed by Bitcoin and other cryptocurrencies) provide instructions to move collateral easily and securely.

Coinbase Wallet's multi-chain support makes it especially convenient when leveraging different types of assets with lending platforms like Arch, eliminating the need for additional bridges or conversions. This streamlined connection becomes particularly valuable when managing collateralized loans where timing and ease of access can significantly impact your borrowing strategy.

Exchange Connections

Coinbase Wallet enjoys seamless integration with Coinbase Exchange, allowing users to move assets between their exchange account and self-custody wallet with minimal friction. This creates a smooth experience for users who regularly trade on Coinbase.

MetaMask lacks direct integration with any specific exchange, though third-party bridges exist. This neutral stance gives users more flexibility in choosing trading platforms but requires additional steps when moving assets between exchanges and the wallet.

Cross-Platform Syncing

Both wallets offer synchronization between devices, though implementation differs.

MetaMask users can import the same wallet across multiple devices using their seed phrase, but changes to settings and token approvals don't automatically sync between instances. This can create confusion when managing the same wallet on different devices.

Coinbase Wallet provides more consistent cross-device synchronization, with settings and preferences maintaining parity between mobile and desktop versions. The cloud backup feature (optional) further enhances this consistency.

Tax and Regulatory Considerations

Cryptocurrency taxes have become increasingly important as regulatory scrutiny intensifies. Both wallets offer limited built-in tax features, requiring integration with specialized crypto tax software for comprehensive reporting.

Neither MetaMask nor Coinbase Wallet provides automatic tax reporting, though transactions on both platforms can be exported for tax preparation. The IRS and tax authorities worldwide can track blockchain transactions, so proper reporting remains essential regardless of which wallet you choose.

Coinbase Wallet's connection to Coinbase Exchange may provide slight advantages for casual users, as the exchange offers some basic tax reporting features that can complement wallet activity. However, serious investors will need dedicated tax software in either case.

Which Wallet Should You Choose?

After thorough analysis, the "better" wallet ultimately depends on your specific needs and preferences. Here's a decision framework to help you choose:

Choose MetaMask if:

  • You primarily use Ethereum and EVM-compatible chains

  • You value open-source software and community development

  • You're an active DeFi participant who needs granular control

  • You have some technical knowledge and prefer maximum customization

  • You prioritize decentralization and privacy above all else

Choose Coinbase Wallet if:

  • You hold diverse cryptocurrencies across multiple blockchains

  • You're new to crypto or prefer intuitive interfaces

  • You want native support for Bitcoin, Solana, and other non-EVM chains

  • You appreciate the security of cloud backups for recovery phrases

  • You regularly use Coinbase Exchange for trading

Many experienced users maintain both wallets, using MetaMask for deep DeFi interactions and Coinbase Wallet for broader asset management. The wallets can coexist peacefully in your crypto toolkit, each serving different purposes.

Conclusion: Your Wallet, Your Choice

There's no universal winner in the Coinbase Wallet vs MetaMask debate—only the best choice for your individual circumstances. Both wallets offer secure, non-custodial options for managing your digital assets, with different strengths and limitations.

MetaMask's technical depth and extensive dApp integration make it ideal for Ethereum power users, while Coinbase Wallet's intuitive interface and multi-chain support appeal to those seeking simplicity and versatility. As the cryptocurrency landscape continues to evolve, both wallets are likely to remain prominent players, adapting to new blockchain technologies and user needs.

Frequently Asked Questions

Is Coinbase Wallet the same as the Coinbase app?

No, they're different products. The Coinbase app is primarily an exchange where you can buy, sell, and trade cryptocurrency, but your assets are held by Coinbase (custodial). Coinbase Wallet is a self-custody wallet where you control your private keys and have full ownership of your crypto assets.

Can I use both MetaMask and Coinbase Wallet simultaneously?

Yes, many users maintain both wallets for different purposes. You can even import the same wallet address into both applications using your seed phrase, though this practice slightly increases your security exposure.

Which wallet has better security, MetaMask or Coinbase Wallet?

Both wallets offer strong security when used properly. MetaMask's open-source approach allows community verification of its code, while Coinbase Wallet benefits from the security expertise of a major cryptocurrency company. The biggest security risks come from user behavior rather than the wallets themselves.

Can the IRS track transactions on MetaMask and Coinbase Wallet?

Yes, all blockchain transactions are publicly visible and permanent. While wallets themselves are pseudo-anonymous, the IRS and tax authorities can work with blockchain analytics companies to link wallet addresses to individuals, especially when those wallets interact with regulated exchanges.

Do I need a hardware wallet with MetaMask or Coinbase Wallet?

For significant holdings, using a hardware wallet in conjunction with either MetaMask or Coinbase Wallet can be beneficical. Both wallets support Ledger integration, with MetaMask also supporting Trezor and other hardware options.

Which wallet offers better customer support?

Coinbase Wallet generally provides more comprehensive customer support options, including phone, email, and chat support through the broader Coinbase ecosystem. MetaMask relies more heavily on community forums and knowledge base articles, though they do offer support agents for serious issues.

Can I recover my wallet if I lose my seed phrase?

With MetaMask, losing your seed phrase means permanently losing access to your funds—there's no recovery option. Coinbase Wallet offers an optional encrypted cloud backup feature that provides an additional recovery avenue, though enabling this feature requires trusting the security of your cloud storage provider.

Which wallet is better for international users?

Both wallets work globally, but Coinbase Wallet's integration with Coinbase Exchange may be less beneficial in countries where the exchange has limited operations. MetaMask's neutral, exchange-agnostic approach can be advantageous for users in regions with restricted access to major exchanges.

About Arch

Arch is building a next-gen wealth management platform for individuals holding alternative assets. Our flagship product is the crypto-backed loan, which allows you to securely and affordably borrow against your crypto. We also offer access to bank-grade custody, trading and staking services, powered by BitGo.

Disclaimer: This article is for informational purposes only and does not constitute investment advice. Cryptocurrency investments are volatile and risky. Always conduct your own research before making investment decisions.

ChainFi, Inc (dba "Arch Lending" and referred to as "Arch" on this website) is not a bank. 


Loan Services. Crypto backed loans (“Loans”) are offered to U.S. borrowers by ChainFi, Inc. NMLS #2637200. NMLS Consumer Access.


Loan Availability. Loan availability may vary based on jurisdiction. Loans are current not available to U.S. residents of AL, CA, DE, HI, MN, MS, MT, NV, ND, RI, SC, SD, TX, VT, VA, or WA or to U.S. businesses in CA, DC, HI, MT, NV, NM, ND, RI, SD, or VT. We encourage you to contact us to determine if our loans are available in your state.


Loan Agreement. Loans are issued pursuant to a loan agreement between Arch and you. This legally binding document outlines your rights, obligations, interest rates, repayment schedules, potential fees, default consequences, and any other terms and conditions related to your loan. Your loan agreement may contain state-specific provisions. By signing the loan agreement, you acknowledge your acceptance of these terms, so please ensure you understand every aspect before proceeding. 


Interest Rates. Annual interest rates are subject to change and may vary based on loan type, the principal amount requested, and the borrower's jurisdiction of residence. 


Supported Assets. For the latest list of supported assets, refer to our Help Center.


No Financial, Investment or Tax Advice Provided. The information on this website, articles, guides, tools, or communications, is for general informational purposes only. It is not, and should not be construed as, financial, investment, tax, or other professional advice. Arch is not a financial advisor, investment advisor, broker, tax advisor, or accounting firm. We do not provide personalized advice or recommendations for your unique financial situation or goals. You should consult a qualified professional before making any financial, investment or tax decisions. Any examples, hypothetical scenarios, calculator results, or general discussions of financial or tax concepts are for illustration only and don't guarantee specific outcomes or apply to your personal circumstances. By using this website, you acknowledge you are solely responsible for your financial decisions and will seek independent professional advice as needed.


No Guarantee of Offers, Loans, or Returns. Your use or access to this website or platform does not guarantee the availability of any current and/or future offer, promotion, terms, loan, or return. All offers, promotions, terms, and loans are subject to availability and the sole discretion of Arch. We reserve the right to modify or withdraw any offering at any time without prior notice.


State-Specific Disclosures. Additional state-specific disclaimers may apply depending on your location. We encourage you to review all relevant disclaimers and terms carefully before proceeding.

*State of Idaho Disclaimer. In Idaho, ChainFi, Inc is doing business as Arch Lending and does not conduct activity under the name Arch.

ChainFi, Inc (dba "Arch Lending"), 595 Broadway, Floor 4, New York, NY 10012


For general questions, visit our Help Center or use the Intercom chat widget in the bottom right corner of any screen on this website. 


For customer service or complaints, email us at support@archlending.com, or call us toll-free: +1 855-272-4670 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.

© 2025 All Rights Reserved

ChainFi, Inc (dba "Arch Lending" and referred to as "Arch" on this website) is not a bank. 


Loan Services. Crypto backed loans (“Loans”) are offered to U.S. borrowers by ChainFi, Inc. NMLS #2637200. NMLS Consumer Access.


Loan Availability. Loan availability may vary based on jurisdiction. Loans are currently not available to U.S. residents of AL, CA, DE, HI, MN, MS, MT, NV, ND, RI, SC, SD, TX, VT, VA, or WA or to U.S. businesses in CA, DC, HI, MT, NV, NM, ND, RI, SD, or VT. We encourage you to contact us to determine if our loans are available in your state.


Loan Agreement. Loans are issued pursuant to a loan agreement between Arch and you. This legally binding document outlines your rights, obligations, interest rates, repayment schedules, potential fees, default consequences, and any other terms and conditions related to your loan. Your loan agreement may contain state-specific provisions. By signing the loan agreement, you acknowledge your acceptance of these terms, so please ensure you understand every aspect before proceeding. 


Interest Rates. Annual interest rates are subject to change and may vary based on loan type, the principal amount requested, and the borrower's jurisdiction of residence. 


Supported Assets. For the latest list of supported assets, refer to our Help Center.


No Financial, Investment or Tax Advice Provided. The information on this website, articles, guides, tools, or communications, is for general informational purposes only. It is not, and should not be construed as, financial, investment, tax, or other professional advice. Arch is not a financial advisor, investment advisor, broker, tax advisor, or accounting firm. We do not provide personalized advice or recommendations for your unique financial situation or goals. You should consult a qualified professional before making any financial, investment or tax decisions. Any examples, hypothetical scenarios, calculator results, or general discussions of financial or tax concepts are for illustration only and don't guarantee specific outcomes or apply to your personal circumstances. By using this website, you acknowledge you are solely responsible for your financial decisions and will seek independent professional advice as needed.


No Guarantee of Offers, Loans, or Returns. Your use or access to this website or platform does not guarantee the availability of any current and/or future offer, promotion, terms, loan, or return. All offers, promotions, terms, and loans are subject to availability and the sole discretion of Arch. We reserve the right to modify or withdraw any offering at any time without prior notice.


State-Specific Disclosures. Additional state-specific disclaimers may apply depending on your location. We encourage you to review all relevant disclaimers and terms carefully before proceeding.

*State of Idaho Disclaimer. In Idaho, ChainFi, Inc is doing business as Arch Lending and does not conduct activity under the name Arch.

ChainFi, Inc (dba "Arch Lending"), 595 Broadway, Floor 4, New York, NY 10012


For general questions, visit our Help Center or use the Intercom chat widget in the bottom right corner of any screen on this website. 


For customer service or complaints, email us at support@archlending.com, or call us toll-free: +1 855-272-4670 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.

© 2025 All Rights Reserved

ChainFi, Inc (dba "Arch Lending" and referred to as "Arch" on this website) is not a bank. 


Loan Services. Crypto backed loans (“Loans”) are offered to U.S. borrowers by ChainFi, Inc. NMLS #2637200. NMLS Consumer Access.


Loan Availability. Loan availability may vary based on jurisdiction. Loans are currently not available to U.S. residents of AL, CA, DE, HI, MN, MS, MT, NV, ND, RI, SC, SD, TX, VT, VA, or WA or to U.S. businesses in CA, DC, HI, MT, NV, NM, ND, RI, SD, or VT. We encourage you to contact us to determine if our loans are available in your state.


Loan Agreement. Loans are issued pursuant to a loan agreement between Arch and you. This legally binding document outlines your rights, obligations, interest rates, repayment schedules, potential fees, default consequences, and any other terms and conditions related to your loan. Your loan agreement may contain state-specific provisions. By signing the loan agreement, you acknowledge your acceptance of these terms, so please ensure you understand every aspect before proceeding. 


Interest Rates. Annual interest rates are subject to change and may vary based on loan type, the principal amount requested, and the borrower's jurisdiction of residence. 


Supported Assets. For the latest list of supported assets, refer to our Help Center.


No Financial, Investment or Tax Advice Provided. The information on this website, articles, guides, tools, or communications, is for general informational purposes only. It is not, and should not be construed as, financial, investment, tax, or other professional advice. Arch is not a financial advisor, investment advisor, broker, tax advisor, or accounting firm. We do not provide personalized advice or recommendations for your unique financial situation or goals. You should consult a qualified professional before making any financial, investment or tax decisions. Any examples, hypothetical scenarios, calculator results, or general discussions of financial or tax concepts are for illustration only and don't guarantee specific outcomes or apply to your personal circumstances. By using this website, you acknowledge you are solely responsible for your financial decisions and will seek independent professional advice as needed.


No Guarantee of Offers, Loans, or Returns. Your use or access to this website or platform does not guarantee the availability of any current and/or future offer, promotion, terms, loan, or return. All offers, promotions, terms, and loans are subject to availability and the sole discretion of Arch. We reserve the right to modify or withdraw any offering at any time without prior notice.


State-Specific Disclosures. Additional state-specific disclaimers may apply depending on your location. We encourage you to review all relevant disclaimers and terms carefully before proceeding.

*State of Idaho Disclaimer. In Idaho, ChainFi, Inc is doing business as Arch Lending and does not conduct activity under the name Arch.

ChainFi, Inc (dba "Arch Lending"), 595 Broadway, Floor 4, New York, NY 10012


For general questions, visit our Help Center or use the Intercom chat widget in the bottom right corner of any screen on this website. 


For customer service or complaints, email us at support@archlending.com, or call us toll-free: +1 855-272-4670 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.

© 2025 All Rights Reserved