What is a Solana-backed loan?

A Solana-backed loan lets you borrow cash (USD or USDC) using your SOL as collateral. You keep ownership of your Solana and avoid triggering a taxable sale event.

Why borrow against Solana instead of selling?

Selling SOL triggers capital gains tax and means you lose exposure to future price appreciation. Borrowing lets you access liquidity while retaining ownership and potential upside.

What is the minimum loan amount?

The minimum loan size is $50,000 USD.

What interest rate will I pay?

Rates start at 7.25% APR. Your exact rate depends on loan size, LTV ratio, and term length.

What LTV ratios are available?

We offer LTV ratios up to 60%. Lower LTV means more buffer against market volatility and may qualify for better rates.

Yes. There are no prepayment penalties. You can repay your Solana-backed loan at any time.

Where is my Solana held?

Your SOL is held by Anchorage Digital, a federally chartered digital asset bank regulated by the OCC, in a segregated wallet.

Is my Solana insured?

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

What happens if Solana's price drops?

If your LTV rises to 70%, you receive a warning. At 80%, a margin call is issued with 24 hours to add collateral or partially repay. Liquidation only occurs at 90% LTV.

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

Solana-backed loans
Borrow against your SOL

Get cash from your Solana without selling at 7.25% APR. Custody with qualified custodian Anchorage Digital, no rehypothecation. Up to 45% LTV with no credit check.

Built for Solana holders

Up to 45% LTV

Borrow up to 45% LTV against your Solana — competitive ratios that balance access to capital with margin call protection.

Transparent rates

Fixed SOL 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 SOL appreciates, withdraw excess collateral, or roll over your loan to extend the term. No prepayment penalties, ever.

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Choose your loan terms

Select your desired loan amount, LTV ratio (up to 45%), and term length. Rates start at 7.25% APR with no credit check required.

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Complete KYC

Verify your identity in under 5 minutes. We verify who you are, not your credit score. No hard credit pull, no income verification.

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Send your Solana

Transfer SOL to a segregated wallet at Anchorage Digital, an OCC-chartered digital asset bank. Your Solana is never commingled or rehypothecated.

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Receive your funds

Get USD or USDC funded directly to your bank account or crypto wallet in minutes. Repay anytime with no prepayment penalties.

Anchorage Digital custody the only federally chartered crypto bank in the U.S., regulated by the OCC with institutional-grade cold storage and MPC key management

Zero rehypothecation your Solana is never lent, traded, or used by Arch — held in individually segregated wallets, never commingled

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

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

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 to get your quote)

SOL margin call thresholds

Max starting LTV	45%
Margin call	55% - 24-hour cure window
Partial liquidation	65% - only enough sold to restore LTV

Solana-backed loans
Borrow against your SOL

Built for Solana holders

How Solana-backed loans work

Solana custody you can trust

Solana loan rates & LTV

SOL margin call thresholds

Frequently asked questions

Unlock your Solanawithout selling.