Crypto-Backed Loans | Bitcoin, Ethereum & Solana Collateral | Arch Lending

# Arch Lending > Arch Lending is a leading crypto-backed lending platform offering instant loans secured by Bitcoin, Ethereum, and Solana for individuals and institutions. Operated by ChainFi, Inc. (NMLS #2637200), Arch provides liquidity without requiring customers to sell their crypto, avoiding taxable events while maintaining full ownership of their digital assets. Arch differentiates itself through: - **No rehypothecation**: Customer collateral is never lent out or used by Arch — assets are held 1:1 - **Qualified custody**: Assets held with Anchorage Digital (federally chartered crypto bank) and BitGo in cold storage - **Bankruptcy-remote structure**: Customer assets are legally segregated and protected - **Regulatory compliance**: Licensed in 32+ U.S. states with NMLS registration - **Speed**: Fully automated platform — configure and receive a loan in minutes with no credit check Key terms: Loans starting at 8.49% APR, up to 60% LTV on Bitcoin, terms up to 12 months with extension options, funded in USD or USDC within minutes. No prepayment penalties. ## Products - [Crypto-Backed Loans](https://archlending.com/crypto-loans): Core product — borrow against BTC, ETH, and SOL with line-of-credit flexibility. No credit check, same-day funding, rates from 8.49% APR - [Crypto Custody](https://archlending.com/crypto-custody): Bank-grade custody services via BitGo and Anchorage for secure cold storage. Open to accredited investors with $50K+ minimum deposit - [Perpetual Income](https://archlending.com/perpetual-income): Structured product for recurring tax-efficient cash flow from Bitcoin holdings without selling - [Tax Shield](https://archlending.com/taxshield): Strategy co-developed with Mark Moss — pledge BTC as collateral, borrow against it, purchase hosted Bitcoin miners via Blockware, and claim 100% bonus depreciation under IRC §168(k) to offset taxable income while earning monthly mined BTC - [Pre-IPO Equity Loans](https://archlending.com/startup-eq