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

Instant loans without selling your assets

Access cash from your BTC, ETH, and SOL starting at 7.25% APR. Get USD or USDC funded with custody by qualified custodian Anchorage Digital and zero rehypothecation.

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Futuristic Bitcoin

Loans serviced

$0M+

Borrowers serviced

0+

States served

0
How much
will your
unlock?
BTC
USD

Loan Overview

  • Duration up to

    12 months

  • Loan APR

    10.49%

  • Loan-To-Value (LTV)

    Up to 60%

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Clear terms, no gotchas & real humans

Your collateral stays yours

Strict no‑rehypothecation with Anchorage Digital as a qualified custodian for your valued assets.

Flexible like a line of credit

Upsize as your collateral appreciates. Add or release collateral and extend your term anytime.

White glove support

Available via chat, direct email, phone, and 1:1 video calls. Reach real humans with fast replies.

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Trustpilot

How Bitcoin-backed loans work

Borrow without selling
Deposit BTC, ETH, or SOL as collateral and receive a loan in USD or USDC. You keep full ownership and avoid triggering a capital gains tax event.
Learn how loans work
Keep your upside
Selling your Bitcoin means giving up future appreciation and paying capital gains tax. Crypto-backed lending lets you access liquidity while preserving your tax position. Rates start at 7.25% APR .
View our rates
Understand LTV
Loan-to-Value is the ratio of your loan to your collateral's value. Arch uses tiered safeguards: a conservative starting LTV, early notifications, margin calls to top up collateral, and partial liquidations only to restore loan health.
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Qualified custodian, not smart contract risk.
Your collateral is held by Anchorage Digital, a federally chartered bank, in segregated wallets with zero rehypothecation and $100M Lloyd's of London insurance.
Learn more

Industry-leading security that earns & retains trust

Protected at all times. Your assets are never lent out or rehypothecated, ensuring complete security and control.

Qualified custodian. Collateral is securely held by Anchorage Digital, offering verifiable segregation and robust protections.

Insured. Your assets are covered by $100M Lloyd's of London insurance through Anchorage Digital.

Transparent rates

Fixed rates based on loan size. No hidden fees, no variable rates, no surprises.

Loan Size Interest Rate Origination Fee APR
< $250K 9.00% 1.49% 10.49%
$250K – $750K 8.50% 1.49% 9.99%
$750K – $2M 8.00% 0.99% 8.99%
$2M – $5M 7.75% 0.49% 8.24%
$5M+ — — From 7.25% APR (Reach out for quote)

Your personal liquidity toolkit

Upsize and access more cash as your Bitcoin appreciates

Withdraw excess collateral as Bitcoin appreciates

Rollover to extend your loan duration any time in one click

Add more collateral at any time

Defer interest payments till maturity

Prepay anytime with no penalties

Put your Bitcoin to work, without selling it

Buy a home

Cover a down payment, win a bidding war with an all-cash offer, or skip the mortgage process entirely. No W-2 required. Your Bitcoin is the qualifier.

Buy a home

Pay off high-interest debt

Consolidate credit cards, personal loans, and student debt into one loan at a rate that actually makes sense.

Pay off high-interest debt

Buy more Bitcoin

Increase your position on your own terms, without deploying cash you'd rather keep in reserve. Stack more sats without waiting for the next paycheck.

Buy more Bitcoin

Fund life's big moments

Weddings, medical bills, a new car, home renovations, the trip you've been putting off. Get cash without touching your long-term holdings.

Fund life's big moments

Diversify your portfolio

Move into real estate, stocks, or alternatives while keeping your full Bitcoin exposure intact. Spread your risk without sacrificing long-term upside.

Diversify your portfolio

Bridge a cash flow gap

Self-employed income lumpy? Tax bill due? Bonus delayed? Borrow fast, repay on your schedule, no prepayment penalties.

Bridge a cash flow gap

Different. By design.

Other Lenders

Industry-leading rates

Transparent rate tiers, starting from 7.25% APR
Opaque, hand shake deals for insiders, with rates as high as 12.75% APR

Qualified custodian

Your collateral is held by Anchorage, a federally chartered digital asset bank.
Second tier custodians or untested smart contract platforms.

No-rehypothecation

We never lend out your crypto. Your Bitcoin stays your Bitcoin.
Pool and lend out your collateral

Bankruptcy-remote

Your collateral is structurally separated from Arch's balance sheet and backup servicers are in place.
Collateral at risk if their business collapses.

Cure window

If prices dip, you get time to add collateral before any liquidation.
Liquidate immediately.

Line-of-credit flexibility

Rollover, upsize, or pay down your loan anytime. No prepayment penalties.
Strict terms.

Legal status

Registered and licensed in the United States.
Foreign registrations or operating without licenses.

Deferred interest

Interest accrues and isn't due till maturity.
Mandatory monthly payments.

Partial liquidation

We only sell just enough collateral to restore a healthy LTV, never your full position.
Full position liquidated in a single move.

Frequently asked questions

Still can't find what you're looking for? Book a call or visit our help center.

Unlock your crypto without selling.

Start a loan now, or book a call if you want to speak with our team

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