# Arch Lending

> ChainFi, Inc is the leading US-licensed crypto-backed lending platform. Borrow against Bitcoin, Ethereum, Solana, XRP, PAXG, or XAUT without selling — APR starting from 7.25%, LTV varies by collateral (up to 75% for PAXG/XAUT), custody by Anchorage Digital (a federally chartered digital asset bank), zero rehypothecation, $100M Lloyd's of London insurance, NMLS #2637200.

## Core products

- [Crypto-backed loans](https://archlending.com/crypto-loans/): The primary product — borrow USD or USDC against BTC, ETH, SOL, XRP, PAXG, or XAUT. 12-month terms with auto-rollover, no prepayment penalties, fixed rates set at origination.
- [Bitcoin-backed loans](https://archlending.com/bitcoin-backed-loan/): Up to 60% LTV against BTC. Anchorage Digital custody.
- [Ethereum-backed loans](https://archlending.com/ethereum-backed-loan/): Up to 55% LTV against ETH.
- [Solana-backed loans](https://archlending.com/solana-backed-loan/): Up to 45% LTV against SOL.
- [XRP-backed loans](https://archlending.com/xrp-backed-loan/): Up to 45% LTV against XRP. Loans start at $25,000.
- [Paxos Gold-backed loans](https://archlending.com/paxg-backed-loan/): Up to 75% starting LTV against PAXG; 85% margin call and 90% partial liquidation thresholds. Loans start at $250,000.
- [Tether Gold-backed loans](https://archlending.com/xaut-backed-loan/): Up to 75% starting LTV against XAUT; 85% margin call and 90% partial liquidation thresholds. Loans start at $250,000.
- [Perpetual Income](https://archlending.com/perpetual-income/): Long-term Bitcoin-backed borrowing program designed for recurring annual cash flow without selling. Tax-efficient, auto-renewing, no monthly payments.
- [TaxShield](https://archlending.com/taxshield/): Bitcoin tax-reduction strategy using §168(k) bonus depreciation alongside crypto-backed borrowing.
- [Beneficiary Planning](https://archlending.com/beneficiary-planning/): Account-level add-on that names a successor who can request to assume the borrower's loans if they pass away or can no longer manage them. $1,000 one-time fee covers every current and future loan; loan terms, LTV and margin call rules are unchanged.

## Rates & pricing

- [Crypto loan rates](https://archlending.com/learn/crypto-loan-rates/): Tiered rate card. Floor APR 7.25% for $5M+ BTC, ETH, and SOL loans (custom quote). Those assets start at 10.49% APR under $250K (9.00% interest + 1.49% origination), with origination fees from 0.25%–1.49%. Other collateral types have dedicated tiers on their pages.
- [Crypto loan fees](https://archlending.com/learn/crypto-loan-fees/): Tiered origination fee, no prepayment penalties, no monthly maintenance, no hidden costs.
- [Loan calculator](https://archlending.com/crypto-loan-calculator/): Estimate borrowing power, monthly payments, and required collateral.

## Eligibility & how it works

- [How crypto loans work](https://archlending.com/learn/how-crypto-loans-work/): Step-by-step breakdown — apply, KYC, deposit collateral to Anchorage, receive USD or USDC, repay anytime.
- [Crypto loan eligibility](https://archlending.com/learn/crypto-loan-eligibility/): Requirements (none for credit), supported jurisdictions (44 US states + territories for individuals; most countries for businesses/trusts), minimum loan size ($5,000 for BTC, ETH, and SOL; $25,000 for XRP; $250,000 for PAXG and XAUT).
- [Supported collateral](https://archlending.com/learn/crypto-loan-collateral/): BTC, ETH, SOL, XRP, PAXG, XAUT. LTV ratios and per-asset specifics. PAXG/XAUT max LTV is 75%; minimum loan size is $250K.
- [LTV & liquidation](https://archlending.com/learn/ltv-liquidation/): Loan-to-value mechanics, collateral-specific warning and margin call thresholds, 24-hour cure windows, partial liquidation, and how Arch protects borrowers during volatility.

## Trust, safety, and compliance

- [Trust & safety](https://archlending.com/learn/trust-and-safety/): Custody model, insurance, rehypothecation policy, regulatory framework.
- [Security](https://archlending.com/security/): segregated qualified custody by Anchorage Digital, segregated wallets for loans over $100K, $100M Lloyd's of London insurance on collateral, zero rehypothecation, bankruptcy-remote structure.
- [About Arch Lending](https://archlending.com/about/): Company background, leadership, NMLS #2637200 licensing.

## Comparison & competitive context

- [Compare crypto lenders](https://archlending.com/comparison/): Side-by-side comparison of Arch vs Ledn, Strike, Unchained, Milo, Figure, SALT, Lava on rates, custody, insurance, rehypothecation, LTV, and supported collateral.

## Educational content

- [Blog](https://archlending.com/blog/): Deep-dive articles on crypto lending, taxation, market analysis, and product launches.
- [Glossary](https://archlending.com/glossary/): Definitions of crypto, lending, and finance terms.
- [How crypto loans work (full guide)](https://archlending.com/blog/how-crypto-loans-work/): Comprehensive overview from first principles.
- [Crypto loan tax guide](https://archlending.com/blog/crypto-loan-tax-guide/): Tax treatment of crypto-backed loans (US).
- [DeFi vs CeFi crypto lending](https://archlending.com/blog/defi-vs-cefi-crypto-lending/): Trade-offs between decentralized and centralized lending.

## Optional

- [Help center](https://help.archlending.com/): Customer support articles.
- [Sitemap](https://archlending.com/sitemap-index.xml): Full URL index for crawl.