Access dollar liquidity using your BTC as collateral. No credit checks. No tax event. Your collateral is held in segregated cold storage by a federally chartered bank — never rehypothecated. All bitcoin-backed loans are originated and serviced by Arch Lending.
A 124 bps cut from where rates started the year. Loans now start at 7.25% APR on BTC, ETH, and SOL. Smaller balances repriced too — loans under $250K dropped from 11.84% to 10.49% APR, a 135 bps cut.
The structure is simple. Origination fee is now included in APR — no separate calculation. $5M+ loans are priced individually; reach out for a custom quote. 12-month auto-rolling terms, institutional custody at Anchorage Digital, and white-glove service remain unchanged.
State lending rules apply
Estimates only. All loans originated by Arch Lending Inc. APR is tiered by loan size and includes origination fee. Final terms determined by Arch during underwriting. Subject to KYC and state availability.
Select collateral (BTC, ETH, SOL), amount, LTV, and term. Indicative rate instantly — no credit pull, no commitment.
Identity verification and document signing through Arch's secure portal. Under 5 minutes in most cases.
Send BTC to a segregated wallet at Anchorage Digital, a federally chartered qualified custodian. Not commingled.
Receive USD via wire or USDC on-chain. Repay anytime with no prepayment penalty. Get your BTC back at payoff.
Your bitcoin is never lent out, traded, or pledged. Held in segregated cold storage with Anchorage Digital, a federally chartered bank, with $100M of Lloyd's of London insurance.
Rates from 7.25% APR with origination included. No application fees. No early repayment penalty. No surprise charges at closing or throughout the life of the loan.
Conservative starting LTV, early notifications well before any liquidation risk, margin calls to top up collateral first. Partial liquidation only as a last resort.
| Lender | Starting APR | Max LTV (BTC) | Term | Custody | Origination |
|---|---|---|---|---|---|
| Arch Lending | 7.25% | 60% | 12mo auto-roll | Anchorage (segregated) | Included in APR |
| Ledn | 10.40% | 50% | 12mo | Standard/Custodied | 0% (US/CA) |
| Strike | 10.50% | 50% | Open | Segregated | Varies |
| Unchained | ~14% | 40% | Up to 36mo | Multisig collaborative | Varies |
| Nexo | 1.9% – 18.9% | 50% | Flexible | Mixed | 0% |
Source: lender public pricing pages, current as of May 2026. Rates subject to change. BtcLoan.org earns affiliate commission on loans originated through Arch Lending only; this may bias our recommendations and we disclose it openly. Consider all lenders before choosing.
Stop choosing between accessing dollars and keeping your bitcoin. Configure a loan and apply through Arch in minutes.
Get my rate →BtcLoan.org is owned and operated by [LEGAL ENTITY NAME, LLC] and is not affiliated with, owned by, or operated by Arch Lending Inc. BtcLoan.org is an independent affiliate marketing partner of Arch Lending and earns a commission when users apply for and originate a loan through links on this site. This commission may take the form of a one-time origination payment, a revenue share on interest and fees, or both. Compensation does not affect the loan terms, rates, or fees you are offered by Arch.
BtcLoan.org does not originate, fund, service, or hold any loans. We do not custody, hold, or have access to any cryptocurrency or fiat assets at any time. All lending products, applications, KYC, underwriting decisions, collateral custody, fund disbursement, and loan servicing are performed by Arch Lending Inc. and its licensed affiliates.
Content is for general informational purposes only. Crypto-backed lending involves significant risks including loss of collateral, custodian insolvency, regulatory changes, cybersecurity risks, and tax consequences. Consult a licensed financial advisor, attorney, and CPA before borrowing.
All rates, fees, LTVs, terms, and product features reflect publicly available information about Arch Lending as of the date of publication. Final loan terms are determined by Arch during underwriting and may differ from indicative quotes. The calculator is illustrative only and does not constitute a binding offer.
Information about Ledn, Strike, Unchained Capital, Nexo, Figure, and other lenders is compiled from publicly available sources for comparison purposes only. We have no financial relationship with these lenders and earn no commission from them.
Statements about future performance, market trends, or product availability are forward-looking and subject to change. Past performance is not indicative of future results.
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