Last quarter we shipped the first transparent, size-based rate table in crypto lending.
Today we go further.
Arch is dropping rates platform-wide and simplifying the size-tier structure for our clients.
We now have the lowest qualified custodian rates in our industry!
Homeowners understand this product better than anyone, they just know it by another name.
A HELOC lets you borrow against your house without selling it.
Nobody calls that reckless as it is the most ordinary financial tool in America.
A Bitcoin-backed loan is the same instrument with better collateral mechanics. The asset divides cleanly, transfers instantly, and gets verified on a public ledger instead of an appraiser's estimate.
The concept was never the hurdle. The infrastructure was.
It exists now.
A detail that surprises new clients: we never ask about your credit score.
Traditional lending needs your history because it is guessing about your future.
Our loan does not guess. The collateral is verifiable, liquid, and already in qualified custody before a dollar moves.
That changes who gets access.
The self-employed founder a bank struggles to underwrite. The early adopter whose balance sheet is strong but unconventional. People whose wealth is real, just not shaped the way a credit bureau expects.
Your Bitcoin is the credit. That is the whole model.
The least discussed benefit of borrowing instead of selling: you never have to be right about timing. Sellers need to pick a good day. Holders just need a good decade.
We're at @BTCPrague 2026!
Come find us at booth 33 and let's talk Bitcoin.
And don't forget our Co-Founder and CTO @hhsahay will take the Main Stage tomorrow at 9:30 AM.
Topic: "Maximize Your Stack: The Art of Bitcoin Efficiency."
See you there.
Major banks are starting to lend against Bitcoin, and the community is split on whether that counts as validation.
Our view is simple: large institutions arriving confirms what serious holders have known for years, which is that Bitcoin makes good collateral.
Wealthy families have borrowed against stocks and real estate for generations and the same logic finally reached this asset.
The detail that matters now is how each lender holds the collateral. That is where these products will separate over the next few years.
We made our choice on that before it was a trend.
Every client's Bitcoin is stored 1-to-1, never lent out, and returned at repayment.
We are happy to be judged on that standard.
Your grandparents borrowed against the house to fund the business. Their bank never asked them to sell the house first. That is all a Bitcoin-backed loan is. The oldest move in family finance, applied to a new asset. The only genuinely new part is how the collateral gets held. Get that right and the rest is just paperwork.
We spend most of our energy on the part that matters.
Arch started with a frustration both of our founders knew personally.
Banks fundamentally did not understand digital assets.
You could hold a serious Bitcoin position and still get treated like you had nothing. No borrowing power, no recognition of the balance sheet, no product that even acknowledged the asset existed.
Meanwhile the number of people holding exactly that kind of wealth kept growing every year.
So we built the lender we kept looking for and never found.
That gap is still the reason we show up.
A story from last week that made us smile:
A couple in Michigan bought a home using their Bitcoin as collateral for the down payment, through a government-recognized mortgage.
They kept their full position and never triggered a taxable sale.
A few years ago that sentence would have read like fiction. Not anymore.
We see the same shift at our own desk every week.
People using Bitcoin to fund homes, tax bills, a business runway, and in one client's case, a vacation he simply refused to miss.
People used to hold Bitcoin waiting for the day they would sell it.
Now they are building lives on top of it without selling at all.
I'll be in Prague this week with @archlending for the biggest Bitcoin event in Europe - message me if you'll be around and would like to meet! @BTCPrague
Introducing Claude Fable 5: a Mythos-class model that we’ve made safe for general use.
Its capabilities exceed those of any model we’ve ever made generally available.
Most people acquire Bitcoin. Very few know how to optimize it.
@hhsahay, Co-Founder and CTO of @ArchLending, joins the Main Stage at #BTCPrague2026 to address what separates passive holders from strategic ones.
📍Maximize Your Stack: The Art of Bitcoin Efficiency
📅 Saturday, June 13 | 9:30 AM | Main Stage
🔗 https://t.co/7ct2YUYhMb
Hard weeks in Bitcoin have a way of making long term holders feel like they have to do something. But the holders who have been through a few of these tend to do the opposite. They slow down, protect the position they spent years building, and make sure a temporary need for cash never becomes a permanent decision to sell. That last part is the whole reason we exist.
One thing that comes up a lot with clients, and it is a little counterintuitive, is when to borrow against your Bitcoin.
A lot of people wait until the price feels strong and we get the instinct.
But the math is friendlier the other way.
When you borrow at a lower price, your loan starts with more room beneath it.
If Bitcoin climbs from there, your LTV improves on its own and the loan gets safer over time.
If you borrow near the highs you are starting with less cushion before things get uncomfortable.
If we're going to put a number to it, picture a loan at 30% of your Bitcoin's value.
Take that when price is low and you have real distance before any liquidation level.
Take the same 30% at the top and that distance is thinner from day one.
None of this is us telling you where price goes.
We have no idea, and anybody who says they do is guessing. It is just how the structure behaves.
And through all of it, we don't touch your Bitcoin. It is stored 1-to-1 in qualified custody and returned the moment the loan is repaid.
If you are holding Bitcoin and thinking about timing, reach out.
We're happy to walk you through it.