Arch Lending Review 2026 | Arch Lending Rates

Disclosure: This review may contain affiliate links

Score3.9

Join Arch Lending

Arch Lending is available in the United States.

Arch Lending Snapshot

Last updated: October 22, 2026

NYC-based crypto-backed lending platform offering BTC, ETH, and SOL collateral loans with no credit checks.

Pros

Multi-asset collateral accepted (BTC, ETH, SOL)
No credit checks required

Cons

Loans only, no earn product

Arch Lending Rates

Loan Rates

Checked October 22, 2026

APR Interest Rate: 7.25-10.49%
LTV Loan-to-Value: 60%
Assets Collateral: BTC, ETH, SOL, XRP

Last updated: October 22, 2026

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Arch Lending Review

Arch Lending is a crypto-backed lending platform founded in 2022 and headquartered in New York, NY. It allows users to borrow USD or USDC using digital assets like Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) as collateral.

Typical loan terms include:

Rates: starting around 7.25–10.49% APR
Loan-to-Value (LTV): up to 60% depending on the asset
Origination Fee: 0.25–1.49%
Loan Terms: up to 12 months

Arch positions itself as a secure, U.S.-based lender focused on transparent, collateralized loans without rehypothecation of customer assets.

Custody and key risks

Arch Lending users rely on the platform and its custodians for asset access, introducing custody and counterparty risks. Product returns and withdrawal conditions can change. Borrowing can introduce liquidation risk. Confirm the product’s insurance scope directly; crypto earn products are not insured bank deposits.