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LTV & liquidation
How margin calls work

Understand loan-to-value ratios and our transparent margin call process. Arch proactively communicates at every LTV threshold, giving you time to act before any liquidation occurs.

Asset	Max LTV	Margin Call	Liquidation
Bitcoin (BTC)	60%	70%	80%
Ethereum (ETH)	55%	65%	75%
Solana (SOL)	45%	55%	65%
XRP	45%	55%	65%

Proactive notifications We send alerts via email and in-app at every LTV threshold - 70%, 80%, and 90% - so you have time to act before anything happens.

24-hour cure window Once a margin call is triggered, you have a full 24 hours to add collateral, make a partial repayment, or request liquidation on your terms.

Conservative LTV limits Starting LTVs of 45-60% provide a substantial buffer against market volatility, making margin calls unlikely except during severe price drops.

Partial liquidation only When liquidation occurs, only the minimum amount needed to restore healthy LTV is sold. Your loan continues, your remaining collateral stays put.

Three ways to cure a margin call

Add more collateral

Deposit additional crypto to lower your LTV. This is the fastest option and avoids any liquidation fees. Increases your safety buffer for future volatility.

Repay loan principal

Make a partial principal repayment via USDC (fastest), wire transfer, or ACH. This reduces both your LTV and your interest accrual going forward.

Request partial liquidation

Email support@archlending.com to request a partial liquidation. We sell only enough collateral to restore healthy LTV. A 2% fee applies.

Scenario	BTC Value	Loan	LTV
Origination	$100,000	$50,000	50% (Healthy)
BTC drops 20%	$80,000	$50,000	62.5% (Healthy)
BTC drops 30%	$70,000	$50,000	71.4% (Margin Call)
BTC rises 20%	$120,000	$50,000	41.7% (Healthy)