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Arch Lending vs OneKey Earn
Compare rates, fees, access, and key features side by side.
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...
Score3.9Comparison score only. Not investment advice or a guarantee of safety or returns.
VS
OneKey Earn
OneKey Earn is the yield feature built into the OneKey app, designed to pair with OneKey hardware wallets. Instead of sending funds to an exchange, yo...
Score4.2Comparison score only. Not investment advice or a guarantee of safety or returns.
General
Platform
Arch Lending
OneKey Earn
Founded
Arch Lending2022
OneKey Earn2019
Headquarters
Arch LendingNew York, NY
OneKey EarnHong Kong
Availability
Arch LendingUS
OneKey EarnWorldwide
Fees & Financial
Bonus
Arch Lending
OneKey Earn5% discount on hardware wallet
Token
Arch Lending
OneKey Earn
Compounding
Arch LendingNo
OneKey EarnNo
Payouts
Arch Lending
OneKey EarnVaries
Fees
Arch Lending
OneKey EarnVaries
Lockup
Arch Lending
OneKey EarnVaries
Maker Fee
Arch Lending
OneKey Earn
Taker Fee
Arch Lending
OneKey Earn
Cryptocurrency Rates
BTC Rate
Arch Lending
OneKey Earn
BTC Max
Arch Lending
OneKey Earn
ETH Rate
Arch Lending
OneKey Earn2.93%
ETH Max
Arch Lending
OneKey Earn
Stablecoin Rate
Arch Lending
OneKey Earn
Arch Lending
ReviewPros
- 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
OneKey Earn
ReviewPros
- Private keys stay offline in the hardware wallet while you earn
- Staking and DeFi through vetted partners like Lido, Morpho, and Everstake
- Non-custodial throughout; you keep your funds
Cons
- Full security requires buying OneKey hardware first
- Rates are variable and set by each underlying protocol
- Some protocols charge performance fees; unstaking varies by asset