Arch Lending — Custodied Bitcoin-Backed Loan Platform

Arch Lending is a US specialty lender offering cash and USDC loans secured by bitcoin, ether, and solana. The July 2026 product page displays loans from 7.25% APR and configurations up to 60% initial loan-to-value, subject to eligibility and state availability. Arch states that pledged assets are held with Anchorage Digital, a qualified custodian, in segregated wallets rather than on Arch's balance sheet. The lender also states that collateral is not rehypothecated and that custody carries a commercial insurance program with limits described on its site. Borrowers can receive dollars to a bank account or USDC to an external wallet, and the retail application does not use a conventional credit check. Arch supports individual, business, and institutional borrowing workflows, with larger or nonstandard requests handled through its team. Product terms, minimums, and permitted collateral can vary by jurisdiction and configuration, so the displayed loan builder remains the controlling source for a specific offer.