Arch vs Lava:
Why Arch is the
Better Choice for Bitcoin-Backed Loans
Arch vs Lava
Arch vs Lava:
Why Arch is the
Better Choice for Bitcoin-Backed Loans
3 reasons borrowers
prefer Arch to Lava
3 reasons borrowers
prefer Arch to Lava
3 reasons borrowers
prefer Arch to Lava
Assets held in insured, qualified, bankruptcy remote custody
Arch holds all customer collateral with federally regulated custodian Anchorage in bank grade custody with insurance. Assets are bankruptcy remote from Arch and Anchorage.
Lava markets a self-custody model and its Terms state the company holds no custody or liability over user wallets. Their site does not list US lending licenses, and public reporting has raised questions about whether loan flows involve custodial movement.
Regulated credit you can rely on
Arch is a US lender (NMLS # #2637200) that issues consumer loans under state law, with required disclosures and enforceable loan agreements. Clear terms and transparent practices have earned excellent Trustpilot reviews.
Lava describes its product as an interface to a protocol intended for business use, with disputes governed in the Cayman Islands. If jurisdiction, consumer protections, and contract enforceability matter, Arch is the clear winner.
Higher LTV, more capital from the same BTC
Borrow up to 60% LTV for up to 12 months with Arch starting at 9.5% APR. At the end of 12 months, you can roll your loan over in 1 click to continue borrowing.
Lava caps LTV at 50% for its loans. A lower LTV = less working capital, more coins locked.
vs.
Bitcoin line of credit (BLOC) functionality
Bitcoin line of credit (BLOC) functionality
Accepts crypto collateral beyond BTC (ETH, SOL)
Accepts crypto collateral beyond BTC (ETH, SOL)
Offers consumer crypto‐backed loans with clear legal disclosures
Offers consumer crypto‐backed loans with clear legal disclosures
Assets held in insured, qualified, bankruptcy remote custody
Assets held in insured, qualified, bankruptcy remote custody
Collateral return as BTC price appreciates
Collateral return as BTC price appreciates
Loan to Value (LTV)
Loan to Value (LTV)
up to 60%
up to 60%
up to 50%
up to 50%
One click loan rollover at the end of term
One click loan rollover at the end of term
Free white glove customer service with live chat, phone, and video calls
What Arch customers are saying
What Arch customers are saying
What Arch customers are saying
The Arch
Difference
At Arch, Trust and Security are fundamental to our business. We're dedicated to creating enduring financial solutions for the next generation of investors.
Trust
Our business model does not involve the use of your assets. They are stored in secure custody and returned at the end of your loan.
Security
Your collateral is stored securely with Anchorage, a leading custodian and federally chartered bank, in cold custody with top security practices.
The Arch
Difference
At Arch, Trust and Security are fundamental to our business. We're dedicated to creating enduring financial solutions for the next generation of investors.
Trust
Our business model does not involve the use of your assets. They are stored in secure custody and returned at the end of your loan.
Security
Your collateral is stored securely with Anchorage, a leading custodian and federally chartered bank, in cold custody with top security practices.
The Arch
Difference
At Arch, Trust and Security are fundamental to our business. We're dedicated to creating enduring financial solutions for the next generation of investors.
Trust
Our business model does not involve the use of your assets. They are stored in secure custody and returned at the end of your loan.
Security
Your collateral is stored securely with Anchorage, a leading custodian and federally chartered bank, in cold custody with top security practices.
The Arch
Difference
At Arch, Trust and Security are fundamental to our business. We're dedicated to creating enduring financial solutions for the next generation of investors.
Trust
Our business model does not involve the use of your assets. They are stored in secure custody and returned at the end of your loan.
Security
Your collateral is stored securely with Anchorage, a leading custodian and federally chartered bank, in cold custody with top security practices.
The Arch
Difference
At Arch, Trust and Security are fundamental to our business. We're dedicated to creating enduring financial solutions for the next generation of investors.
Trust
Our business model does not involve the use of your assets. They are stored in secure custody and returned at the end of your loan.
Security
Your collateral is stored securely with Anchorage, a leading custodian and federally chartered bank, in cold custody with top security practices.
See what you
See what you
See what you
can borrow
can borrow
can borrow
Get liquidity for investments, debt consolidation and expenses.
Ready to get started?
Ready to get started?
Ready to get started?
Ready to get started?
Ready to get started?
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, 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 (License Number: RRL-11362).
Michigan: ChainFi, Inc (dba Arch Lending) holds a Michigan Regulatory Loan License
License Number: RL-0026469
Effective Date: February 28, 2025
Regulator: Michigan Department of Insurance and Financial Services
Address: 530 W Allegan St. 7th Floor, Lansing, MI 48933
Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)
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: +1 877 665 4759 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, 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 (License Number: RRL-11362).
Michigan: ChainFi, Inc (dba Arch Lending) holds a Michigan Regulatory Loan License
License Number: RL-0026469
Effective Date: February 28, 2025
Regulator: Michigan Department of Insurance and Financial Services
Address: 530 W Allegan St. 7th Floor, Lansing, MI 48933
Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)
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: +1 877 665 4759 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, 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 (License Number: RRL-11362).
Michigan: ChainFi, Inc (dba Arch Lending) holds a Michigan Regulatory Loan License
License Number: RL-0026469
Effective Date: February 28, 2025
Regulator: Michigan Department of Insurance and Financial Services
Address: 530 W Allegan St. 7th Floor, Lansing, MI 48933
Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)
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: +1 877 665 4759 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, 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 (License Number: RRL-11362).
Michigan: ChainFi, Inc (dba Arch Lending) holds a Michigan Regulatory Loan License
License Number: RL-0026469
Effective Date: February 28, 2025
Regulator: Michigan Department of Insurance and Financial Services
Address: 530 W Allegan St. 7th Floor, Lansing, MI 48933
Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)
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: +1 877 665 4759 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, 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 (License Number: RRL-11362).
Michigan: ChainFi, Inc (dba Arch Lending) holds a Michigan Regulatory Loan License
License Number: RL-0026469
Effective Date: February 28, 2025
Regulator: Michigan Department of Insurance and Financial Services
Address: 530 W Allegan St. 7th Floor, Lansing, MI 48933
Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)
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: +1 877 665 4759 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, 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 (License Number: RRL-11362).
Michigan: ChainFi, Inc (dba Arch Lending) holds a Michigan Regulatory Loan License
License Number: RL-0026469
Effective Date: February 28, 2025
Regulator: Michigan Department of Insurance and Financial Services
Address: 530 W Allegan St. 7th Floor, Lansing, MI 48933
Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)
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: +1 877 665 4759 between Monday-Friday from 9am-7pm ET and Saturday-Sunday from 10am-5pm ET.
© 2025 All Rights Reserved