Arch

Arch is a crypto-backed lending platform that lets users borrow USD or USDC by pledging Bitcoin, Ethereum, Solana, or XRP as collateral. Loans start at $5,000, with terms from 1 to 12 months and interest rates ranging from 7% to 10.35% depending on the asset and loan size. The platform sets conservative loan-to-value (LTV) ratios—60% for BTC, 55% for ETH, and 45% for SOL/XRP—with margin calls and partial liquidations triggered at higher thresholds.

Arch's core value proposition centers on safety and transparency. Unlike many CeFi lenders that failed in recent years, Arch does not rehypothecate, lend out, stake, or trade borrower collateral. All assets are held in segregated cold storage with Anchorage Digital, a federally chartered crypto bank, and are covered by up to $100 million in insurance for custody-related events. This structure addresses the market's pain point of counterparty risk—borrowers retain ownership of their crypto and avoid triggering taxable events by selling, while protecting against the kind of collapses seen with Celsius, BlockFi, and Genesis.

In the past six months (February to August 2026), Arch has continued to refine its lending products, emphasizing its no-rehypothecation policy and qualified custody as key differentiators. The platform has expanded its educational outreach around LTV mechanics and risk management, and has maintained operations across 44 U.S. states and territories. While no major negative events were reported during this period, the broader crypto lending market remains sensitive to volatility, and Arch's risk framework—including real-time LTV monitoring and email alerts—has been central to its steady positioning.