Providers / Arch Lending

Arch Lending

Crypto-backed loan

Size-tiered APRs, Anchorage Digital custody, published cure mechanics, and multi-asset collateral options.

Best for: Mid-to-large tickets that want clear cure rules and qualified custody.

Product and eligibility

Product type

Fixed-term loan (facility-style management)

Collateral

BTC and selected altcoins

Eligible borrowers

Individuals and businesses

US availability

Many US states; legal footer excludes several states

Custody model

Custodial (qualified)

Anchorage Digital qualified custody

Rehypothecation

PoR / audits / insurance

Anchorage Digital + insurance claims

Track record

Growing institutional posture

Notice, grace period, partial vs full sale, and fees all differ by provider.

1. Starting LTV

60%

2. Margin call

BTC 70% margin call

3. Cure window

24 hours to add collateral or partially repay (restore toward starting max LTV)

4. Liquidation

80%

At 60% starting LTV, Bitcoin must fall about 25.0% for LTV to reach 80%.

Max initial LTV: Up to 60% BTC
Liquidation style: Partial liquidation to restore starting / healthy LTV
Liquidation fee: Typically 2% of amount liquidated (where allowed by state law)
Collateral retrieval: Yes when LTV permits

Rate range	7.25–10.49% APR size-tiered (official rates table)
Origination fee	0.25–1.49% by loan size
Prepayment fee	0%
Renewal / refinance	Origination re-applies on new loan
Minimum loan	$5,000 default (varies by collateral and state)
Term options	About 1–12 months
Liquidation fee	Typically 2% of amount liquidated (where allowed by state law)
Collateral retrieval	Yes when LTV permits
US availability	Many US states; legal footer excludes several states
Unique features	Clear 24h cure; Anchorage custody; large-ticket tiers

Mid-to-large tickets that want clear cure rules and qualified custody.

You need multi-year fixed rates or to hold a key yourself.