Instant loans without selling your assets

No. Crypto-backed loans require no credit check, no income verification, and no hard credit pull. We verify your identity, not your credit score.

Most borrowers receive funds the same business day after collateral is confirmed on chain.

Arch offers crypto-backed loans starting from $5,000 for eligible borrowers, with minimum loan amounts varying by collateral asset and jurisdiction.

The minimum depends on which asset you use as collateral:

• Bitcoin (BTC): From $5,000
• Ethereum (ETH): From $5,000
• Solana (SOL): From $5,000
• XRP: From $25,000
• Pax Gold (PAXG): $250,000
• Tether Gold (XAUT): $250,000

Your borrowing capacity also depends on the value of your collateral and its permitted loan-to-value (LTV) ratio. For example, at 60% LTV, a $5,000 Bitcoin-backed loan would require approximately $8,334 in BTC collateral.

Minimums may vary by jurisdiction and borrower eligibility. You can select your asset and location in the Arch loan calculator to see the amount available to you before applying.

The amount of collateral you need depends on the asset you're borrowing against, your loan amount and your starting loan-to-value (LTV) ratio.

LTV measures your outstanding loan principal as a percentage of the market value of your collateral. A higher starting LTV lets you borrow more against the same amount of collateral, but leaves less room for price movements before a margin call.

Arch's maximum starting LTVs vary by asset:

• Bitcoin (BTC): 60%
• Ethereum (ETH): 55%
• Solana (SOL): 45%
• XRP: 45%
• Pax Gold (PAXG): 75%
• Tether Gold (XAUT): 75%

For example, if you deposit $100,000 worth of Bitcoin, you could borrow up to $60,000 at 60% LTV. The same collateral value in Ethereum would support up to $55,000 at 55% LTV, while PAXG or XAUT could support up to $75,000 at 75% LTV. You can also choose to borrow at a lower LTV, leaving a larger buffer against collateral price declines.

Use the Arch loan calculator to see how much you can borrow against your holdings and review your margin call and liquidation thresholds before taking out a loan. All loans are subject to eligibility and applicable terms.

Arch accepts six assets as collateral for crypto-backed loans: Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP, Pax Gold (PAXG) and Tether Gold (XAUT).

You can borrow against your holdings without selling them, giving you access to liquidity while retaining exposure to the underlying asset.

Each asset has its own borrowing terms, including minimum loan amounts, loan-to-value (LTV) ratios and margin call thresholds. PAXG and XAUT are gold-backed tokens, allowing eligible holders to borrow against tokenized gold as well as cryptocurrency.

All loans are subject to eligibility requirements and collateral approval. Visit the relevant asset-backed loan page to review its current rates, terms and requirements.

Yes. Arch works with you to settle your current loan, so you don't need to repay it out of pocket or come up with more collateral.

Individuals in 44 U.S. states and territories can borrow. Businesses and trusts are eligible in most U.S. states and internationally. No credit history is required.

With beneficiary planning, you can name a successor who can request to take over your loans if you pass away or are no longer able to manage them. A one-time $1,000 fee covers every loan on your account. Without a named successor, your estate has to keep the loan current or it can go into default.

Rates are tiered by loan size and vary by collateral type. For BTC, ETH, and SOL loans over $5M, rates start as low as 7.25% APR (custom quote — reach out for pricing); under $250K, the interest rate is 9.00% with a 1.49% origination fee (10.49% APR). Both decrease in larger tiers, and other assets have dedicated tiers on their own pages. All rates are fixed for the duration of the loan.

Loan terms range from 1 to 12 months. All loans are interest-only with the full principal due at maturity, or you can refinance into a new loan.

Yes. When your collateral appreciates and your LTV drops below the release threshold, you can draw additional cash up to your maximum LTV. A blended interest rate is applied and the origination fee is only charged on the incremental amount.

Yes. A rollover option appears within 3 months of maturity. Select a new term up to 12 months with no principal repayment required. The interest rate updates to the prevailing rate at rollover.

Your collateral is held by Anchorage Digital, the first federally chartered crypto bank in the U.S., regulated by the OCC. Assets are stored in cold storage with multi-party computation (MPC) key management.

Never. Your crypto is never traded, lent out, or used as collateral by Arch. Your collateral is held under segregated custody by Anchorage Digital, our qualified custodian.

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

If the market value of your collateral falls, your loan-to-value (LTV) ratio increases. Arch monitors your LTV and provides alerts as it approaches key thresholds, giving you an opportunity to take action before liquidation.

When your LTV reaches the margin call threshold, you have 24 hours to restore it to the required level by adding collateral or repaying part of your outstanding loan principal. Your Arch dashboard shows how much action is needed.

If you do not resolve the margin call within the permitted period, Arch may sell a portion of your collateral to reduce your outstanding loan balance and restore your LTV to the required level. If your LTV reaches the liquidation threshold before the 24-hour period ends, partial liquidation can occur immediately.

Yes. There are no prepayment penalties. You can repay your loan at any time without any additional fees.

We accept USDC (on Ethereum or Polygon), wire transfer, ACH, or autopay via connected bank account through Plaid.

Once your loan is fully repaid, your collateral is released and returned to your specified wallet address. You can also release excess collateral when your LTV falls below the release threshold.