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

Paxos Gold-backed loans
Access liquidity without selling

Borrow against your Paxos Gold without selling. Rates start at 7.25% APR. Custody with qualified custodian Anchorage Digital, no rehypothecation. Up to 75% LTV with no credit check.

How much
can you borrow against
?
PAXG
USD

Loan Overview

  • Duration up to

    12 months

  • Loan APR

    9.25%

  • Loan-To-Value (LTV)

    Up to 75%

Start my loan

Built for Paxos Gold holders

Up to 75% LTV

Borrow up to 75% LTV against your Paxos Gold — competitive ratios that balance access to capital with margin call protection.

Transparent rates

Fixed PAXG loan rates from 7.25% APR for the largest loans, with transparent tier pricing based on loan size. Same fixed rate for the entire term.

Flexible like a line of credit

Upsize as PAXG appreciates, withdraw excess collateral, or roll over your loan to extend the term. No prepayment penalties, ever.

How Paxos Gold-backed loans work

Four steps to access liquidity from your PAXG without selling.

11
Choose your loan terms

Select your desired loan amount, LTV ratio (up to 75%), and term length. Rates start at 7.25% APR with no credit check required.

22
Complete KYC

Complete identity verification and provide your application details. We verify who you are, not your credit score. No hard credit pull or income verification.

33
Send your Paxos Gold

Transfer PAXG to Anchorage Digital Bank, a federally chartered national trust bank regulated by the OCC. Your Paxos Gold is held under segregated custody and never rehypothecated.

44
Receive your funds

Once your loan is approved and collateral is confirmed, receive USD by wire or USDC to a supported wallet. Repay anytime with no prepayment penalties.

Paxos Gold custody built to last

Anchorage Digital custody a federally chartered national trust bank regulated by the OCC, with institutional-grade cold storage and MPC key management

Zero rehypothecation your Paxos Gold is never lent, traded, or used by Arch, and is held under segregated custody by our qualified custodian

Commercial crime coverage Anchorage Digital maintains $100 million in coverage through Lloyd's of London, subject to policy terms and exclusions

Bankruptcy-remote your PAXG is legally separated from Arch's corporate assets and stays with Anchorage Digital in any corporate event

Paxos Gold loan rates & LTV

Paxos Gold loans start at $250,000 with up to 75% LTV. The published 12-month rates below assume monthly interest payments.

Loan SizeInterest RateOrigination FeeAPR
$250K - $750K8.50%0.75%9.25%
$750K - $2M8.00%0.75%8.75%
$2M - $5M7.75%0.50%8.25%
$5M+7.00%0.25%7.25%

PAXG margin call thresholds

Max starting LTV75%
Margin call85% - 24-hour cure window
Partial liquidation90% - only enough sold to restore LTV
Open the Paxos Gold loan calculator

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Frequently asked questions

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

Access the value of your Paxos Gold without selling.

Start an application online, or book a call to speak with our team.