Arch provides crypto-backed loans that allow asset holders to access cash without selling their digital assets, utilizing secure custody solutions to protect collateral. By eliminating credit checks and rehypothecation, Arch offers a straightforward financing option that preserves the value of cryptocurrencies while providing immediate liquidity.
Funding
$7.8M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
MCFounders
Product
Problem
Crypto asset holders often need access to cash without wanting to sell their holdings, potentially incurring tax liabilities and missing out on future appreciation. Traditional lending options may not cater to crypto assets, and often involve credit checks and the potential for rehypothecation, adding risk for the borrower.
Solution
Arch provides crypto-backed loans that allow individuals and institutions to access liquidity without selling their Bitcoin, Ethereum, or Solana. Users can borrow against their crypto assets, with the collateral securely stored in qualified custody, eliminating the risk of rehypothecation. Arch offers a streamlined process with no credit checks, enabling borrowers to qualify instantly and receive same-day funding. This allows users to preserve their crypto holdings for potential growth, avoid capital gains taxes, and access funds for investments, large purchases, debt consolidation, or day-to-day expenses.
Target Audience
Arch serves individual crypto asset holders and institutions seeking to leverage their digital assets for liquidity without selling, including those looking for investment capital, funds for large purchases, or debt consolidation solutions.
Features
- Crypto-backed loans using Bitcoin, Ethereum, and Solana as collateral
- Loan-to-Value (LTV) up to 60% with loan durations up to 24 months
- Fixed interest rates, starting from 12% APR, plus a 1.5% origination fee
- No rehypothecation of collateral; assets are securely stored with Anchorage, a federally chartered bank
- No credit checks required for loan approval
- Same-day funding upon qualification
- Online loan calculator to estimate borrowing capacity