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Arch Lending vs ether.fi

Compare rates, fees, access, and key features side by side.

Arch Lending

Arch Lending

Arch Lending is a New York based crypto-backed lender, founded in 2022. Eligible U.S. borrowers take loans in USD or USDC against Bitcoin, Ethereum, S...

Score3.9
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VS
ether.fi

ether.fi

ether.fi is a non-custodial platform that began as an Ethereum liquid restaking protocol and has grown into a broader earning suite covering ETH, Bitc...

Score4.5
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General

Platform
Arch Lendinglogo
ether.filogo
Founded
Arch Lending2022
ether.fi2022
Headquarters
Arch LendingNew York, NY
ether.fiCayman Islands
Availability
Arch LendingUS
ether.fiWorldwide

Fees & Financial

Bonus
Arch Lending
ether.fiMembership Bonus
Token
Arch Lending
ether.fiETHFI
Compounding
Arch LendingNo
ether.fiYes
Payouts
Arch Lending
ether.fiVaries
Fees
Arch Lending
ether.fi
Lockup
Arch Lending
ether.fiVaries
Maker Fee
Arch Lending
ether.fi
Taker Fee
Arch Lending
ether.fi

Cryptocurrency Rates

BTC Rate
Arch Lending
ether.fi0.2%
BTC Max
Arch Lending
ether.fi
ETH Rate
Arch Lending
ether.fi2.56%
ETH Max
Arch Lending
ether.fi
Stablecoin Rate
Arch Lending
ether.fi

Arch Lending

Review

Pros

  • Accepts BTC, ETH, SOL and XRP as collateral
  • No credit checks; loans rest on collateral only
  • Customer assets are not rehypothecated

Cons

  • Loans only, no earn product
  • Loan terms cap at 12 months
  • An origination fee is charged on each loan

ether.fi

Review

Pros

  • Non-custodial staking and yield; you keep your keys
  • Rewards compound automatically
  • ether.fi Cash Visa card spends from the same account

Cons

  • Restaking adds risk beyond standard ETH staking
  • Vaults depend on third-party DeFi protocols