Arch

# Arch Lending

> Arch Lending is a leading crypto-backed lending platform offering instant loans secured by Bitcoin, Ethereum, and Solana for individuals and institutions. Operated by ChainFi, Inc. (NMLS #2637200), Arch provides liquidity without requiring customers to sell their crypto, avoiding taxable events while maintaining full ownership of their digital assets.

Arch differentiates itself through:
- **No rehypothecation**: Customer collateral is never lent out or used by Arch — assets are held 1:1
- **Qualified custody**: Assets held with Anchorage Digital (federally chartered crypto bank) and BitGo in cold storage
- **Bankruptcy-remote structure**: Customer assets are legally segregated and protected
- **Regulatory compliance**: Licensed in 32+ U.S. states with NMLS registration
- **Speed**: Fully automated platform — configure and receive a loan in minutes with no credit check

Key terms: Loans starting at 8.49% APR, up to 60% LTV on Bitcoin, terms up to 12 months with extension options, funded in USD or USDC within minutes. No prepayment penalties.

## Products

- [Crypto-Backed Loans](https://archlending.com/crypto-loans): Core product — borrow against BTC, ETH, and SOL with line-of-credit flexibility. No credit check, same-day funding, rates from 8.49% APR
- [Crypto Custody](https://archlending.com/crypto-custody): Bank-grade custody services via BitGo and Anchorage for secure cold storage. Open to accredited investors with $50K+ minimum deposit
- [Perpetual Income](https://archlending.com/perpetual-income): Structured product for recurring tax-efficient cash flow from Bitcoin holdings without selling
- [Tax Shield](https://archlending.com/taxshield): Strategy co-developed with Mark Moss — pledge BTC as collateral, borrow against it, purchase hosted Bitcoin miners via Blockware, and claim 100% bonus depreciation under IRC §168(k) to offset taxable income while earning monthly mined BTC
- [Pre-IPO Equity Loans](https://archlending.com/startup-equity-loans): Loans backed by private company shares for startup employees and investors holding illiquid equity in unicorn companies
- [Private Wealth](https://archlending.com/private-wealth): White-glove services for high-net-worth individuals and family offices — custom rates on loans over $1M, exclusive events, dedicated relationship managers
- [Institutional Solutions](https://archlending.com/institutions): Tailored lending solutions for funds, corporations, and institutional Bitcoin holders
- [Velocity](https://archlending.com/velocity): Financial product suite co-developed with Bitcoin strategist Mark Moss for sovereign Bitcoiners — wealth-building strategies using crypto-backed lending

## Competitive Comparisons

- [Unchained vs Arch](https://archlending.com/comparison/unchained-vs-arch): Side-by-side comparison with Unchained Capital
- [Ledn vs Arch](https://archlending.com/comparison/ledn-vs-arch): Side-by-side comparison with Ledn
- [SALT Lending vs Arch](https://archlending.com/comparison/salt-lending-vs-arch): Side-by-side comparison with SALT Lending
- [Lava vs Arch](https://archlending.com/comparison/lava-vs-arch): Side-by-side comparison with Lava
- [Figure vs Arch](https://archlending.com/comparison/figure-vs-arch): Side-by-side comparison with Figure
- [Milo vs Arch](https://archlending.com/comparison/milo-vs-arch): Side-by-side comparison with Milo
- [Strike vs Arch](https://archlending.com/comparison/strike-vs-arch): Side-by-side comparison with Strike
- [All Comparisons](https://archlending.com/comparison): Overview of how Arch compares to all major crypto lenders

## Company Information

- [About Us](https://archlending.com/about): Company background, mission, and team — founded by crypto investors who built the platform they wished existed
- [Security](https://archlending.com/security): Detailed explanation of custody, insurance, no-rehypothecation policy, and asset protection practices
- [Careers](https://www.useparallel.com/arch/careers): Current job openings at Arch

## Resources

- [Help Center](https://help.archlending.com/en/): FAQs, guides, and support documentation
- [Learn](https://archlending.com/learn): Educational hub for crypto lending concepts and strategies
- [Crypto Loan Calculator](https://archlending.com/crypto-loan-calculator): Interactive tool to estimate loan terms and payments
- [Bitcoin Loan Calculator](https://archlending.com/bitcoin-loan-calculator): Calculator specifically for Bitcoin-backed loans
- [Ethereum Loan Calculator](https://archlending.com/ethereum-loan-calculator): Calculator specifically for Ethereum-backed loans
- [Solana Loan Calculator](https://archlending.com/solana-loan-calculator): Calculator specifically for Solana-backed loans
- [Blog](https://archlending.com/blog): Educational content on crypto lending, tax strategies, and market insights
- [Newsletter](https://newsletter.archlending.com/): Weekly market commentary and Arch updates
- [Glossary](https://archlending.com/glossary): Definitions of 200+ crypto lending and financial terms
- [Media](https://archlending.com/media): Press coverage, podcast episodes, and media resources

## Key Blog Posts

- [How to Borrow Against Bitcoin](https://archlending.com/blog/how-to-borrow-against-bitcoin): Comprehensive guide to Bitcoin-backed loans — platforms, LTV ratios, rates, and why Arch offers secure loans with competitive rates
- [Bitcoin-Backed Loan Rates](https://archlending.com/blog/bitcoin-backed-loan-rates): Current rate comparison across crypto lending platforms
- [Best Bitcoin Loan Providers](https://archlending.com/blog/best-bitcoin-loan-providers): Comparison of top Bitcoin lending platforms
- [Best Ethereum Loan Providers](https://archlending.com/blog/best-ethereum-loan-providers): Comparison of top Ethereum lending platforms
- [Best Solana Loan Providers](https://archlending.com/blog/best-solana-loan-providers): Comparison of top Solana lending platforms
- [Understanding Rehypothecation in Crypto Lending](https://archlending.com/blog/understanding-rehypothecation-in-crypto-lending): Why no-rehypothecation matters for asset safety
- [How to Optimize Crypto Taxes](https://archlending.com/blog/how-to-optimize-crypto-taxes): Tax strategies for crypto holders including borrowing vs selling
- [What Is Loan-to-Value in Crypto](https://archlending.com/blog/what-is-loan-to-value-in-crypto): LTV ratios explained for crypto lending
- [APY vs APR in Crypto](https://archlending.com/blog/apy-vs-apr-in-crypto): Understanding interest rate metrics in crypto finance
- [CeFi vs DeFi](https://archlending.com/blog/cefi-vs-defi): Comparing centralized and decentralized crypto lending approaches
- [Best Unchained Alternative](https://archlending.com/blog/best-unchained-alternative): Why borrowers are choosing Arch over Unchained Capital
- [Crypto Estate Planning](https://archlending.com/blog/crypto-estate-planning): How to include crypto assets in estate and inheritance plans
- [Should I Sell My Bitcoin](https://archlending.com/blog/should-i-sell-my-bitcoin): Analysis of selling vs borrowing against Bitcoin

## Podcast — View from the Arch

- [Ep 1: Michael Sonnenshein (ex-CEO Grayscale)](https://archlending.com/media/ep1-michael-sonnenshein-grayscale): First employee at Grayscale, instrumental in Bitcoin ETF approval
- [Ep 2: Anirudh Pai](https://archlending.com/media/ep2-anirudh-pai): Industry leader conversation
- [Ep 3: Nathan McCauley (Anchorage)](https://archlending.com/media/ep-3-nathan-mccauley-anchorage): Co-founder of Anchorage Digital, Arch's custody partner

## Legal & Compliance

- [Privacy Policy](https://archlending.com/privacy): How Arch handles customer data
- [Terms of Service](https://archlending.com/terms): Legal terms governing platform use
- [GLBA Notice](https://archlending.com/glba): Gramm-Leach-Bliley Act privacy disclosures

## Optional

- [Loan Application](https://app.archlending.com/signup): Create an account and configure a loan
- [LinkedIn](https://www.linkedin.com/company/arch-lend/): Company updates and professional content
- [Twitter](https://x.com/archlending): Real-time updates and community engagement
- [YouTube](https://www.youtube.com/channel/UCh5CPwovUGLXbb2bfMOxlzA): Video content and educational material