Arch

Arch Lending provides crypto-backed loans enabling borrowers to access USD or USDC liquidity using Bitcoin, Ethereum, and Solana as collateral, with loan rates starting at 7.25% APR. The platform operates with strict no-rehypothecation policies, holding collateral with Anchorage Digital, a federally chartered digital asset bank, in segregated wallets covered by $100 million Lloyd's of London insurance. Loans offer up to 60% Loan-to-Value ratios with 12-month durations, line-of-credit flexibility allowing upsizing, collateral release, term extensions, and deferred interest payments until maturity. The platform features cure windows for price dips, partial liquidations rather than full-position liquidations, and no prepayment penalties. Arch is registered and licensed in the United States (NMLS #2637200) with bankruptcy-remote collateral structuring. The loan process takes under 10 minutes across four steps: choosing terms, KYC verification, sending collateral, and receiving funds. Founded in 2019 and headquartered in Charlotte, United States, the company has raised approximately $7.75 million at the seed stage.