archlending.com

# Arch Lending

> ChainFi, Inc is the leading US-licensed crypto-backed lending platform. Borrow against Bitcoin, Ethereum, Solana, or XRP without selling — APR starting from 7.25%, up to 60% LTV, custody by Anchorage Digital (a federally chartered digital asset bank), zero rehypothecation, $100M Lloyd's of London insurance, NMLS #2637200.

## Core products

- [Crypto-backed loans](https://archlending.com/crypto-loans): The primary product — borrow USD or USDC against BTC, ETH, SOL, or XRP. 12-month terms with auto-rollover, no prepayment penalties, fixed rates set at origination.
- [Bitcoin-backed loans](https://archlending.com/bitcoin-backed-loan): Up to 60% LTV against BTC. Anchorage Digital custody.
- [Ethereum-backed loans](https://archlending.com/ethereum-backed-loan): Up to 55% LTV against ETH.
- [Solana-backed loans](https://archlending.com/solana-backed-loan): Up to 45% LTV against SOL.
- [Perpetual Income](https://archlending.com/perpetual-income): Long-term Bitcoin-backed borrowing program designed for recurring annual cash flow without selling. Tax-efficient, auto-renewing, no monthly payments.
- [TaxShield](https://archlending.com/taxshield): Bitcoin tax-reduction strategy using §168(k) bonus depreciation alongside crypto-backed borrowing.

## Rates & pricing

- [Crypto loan rates](https://archlending.com/learn/crypto-loan-rates): Tiered rate card. Floor APR 7.25% for $5M+ loans (custom quote). Loans under $250K start at 10.49% APR (9.00% interest + 1.49% origination). Origination fees range 0.25%–1.49% by tier.
- [Crypto loan fees](https://archlending.com/learn/crypto-loan-fees): Tiered origination fee, no prepayment penalties, no monthly maintenance, no hidden costs.
- [Loan calculator](https://archlending.com/crypto-loan-calculator): Estimate borrowing power, monthly payments, and required collateral.

## Eligibility & how it works

- [How crypto loans work](https://archlending.com/learn/how-crypto-loans-work): Step-by-step breakdown — apply, KYC, deposit collateral to Anchorage, receive USD or USDC, repay anytime.
- [Crypto loan eligibility](https://archlending.com/learn/crypto-loan-eligibility): Requirements (none for credit), supported jurisdictions (45 US states + territories for individuals; most countries for businesses/trusts), minimum loan size ($5,000 USD).
- [Supported collateral](https://archlending.com/learn/crypto-loan-collateral): BTC, ETH, SOL, XRP. LTV ratios and per-asset specifics.
- [LTV & liquidation](https://archlending.com/learn/ltv-liquidation): Loan-to-value mechanics, margin call thresholds (70% warning, 80% margin call with 24-hour cure window, 90% partial liquidation), and how Arch protects borrowers during volatility.

## Trust, safety, and compliance

- [Trust & safety](https://archlending.com/learn/trust-and-safety): Custody model, insurance, rehypothecation policy, regulatory framework.
- [Security](https://archlending.com/security): Anchorage Digital qualified custody, segregated wallets, $100M Lloyd's of London insurance on collateral, zero rehypothecation, bankruptcy-remote structure.
- [About Arch Lending](https://archlending.com/about): Company background, leadership, NMLS #2637200 licensing.

## Comparison & competitive context

- [Compare crypto lenders](https://archlending.com/comparison): Side-by-side comparison of Arch vs Ledn, Strike, Unchained, Milo, Figure, SALT, Lava on rates, custody, insurance, rehypothecation, LTV, and supported collateral.

## Educational content

- [Blog](https://archlending.com/blog): Deep-dive articles on crypto lending, taxation, market analysis, and product launches.
- [Glossary](https://archlending.com/glossary): Definitions of crypto, lending, and finance terms.
- [How crypto loans work (full guide)](https://archlending.com/blog/how-crypto-loans-work): Comprehensive overview from first principles.
- [Crypto loan tax guide](https://archlending.com/blog/crypto-loan-tax-guide): Tax treatment of crypto-backed loans (US).
- [DeFi vs CeFi crypto lending](https://archlending.com/blog/defi-vs-cefi-crypto-lending): Trade-offs between decentralized and centralized lending.

## Optional

- [Help center](https://help.archlending.com/): Customer support articles.
- [Sitemap](https://archlending.com/sitemap-index.xml): Full URL index for crawl.