At Arch, we offer crypto-backed loans designed to give you access to liquidity while keeping ownership of your cryptocurrency. We provide flexible loan models to suit your financial needs, whether you’re looking for short-term capital or long-term financing.
The loan terms and minimum/maximum amounts for each loan are viewable directly within the web app. You can select between the amortized or interest-only repayment models based on your financial situation.
Against supported collateral, you can currently take two types of loans:
1. Interest-Only Loan
With an interest-only loan, your monthly payments only cover the interest during the loan’s initial period, allowing for lower monthly payments at the start. However, at the end of this period, the principal balance must be repaid in full, or you can choose to refinance.
Monthly payments: Only cover the interest, leaving the full principal to be paid at the end of the loan term.
Ideal for: Borrowers who want lower monthly payments and plan to repay the principal later or refinance the loan.
2. Amortized Loan
An amortized loan means you repay both the principal and interest over the life of the loan in equal installments.
Monthly payments: A portion goes toward the loan balance (principal) and a portion goes toward interest.
Ideal for: Borrowers who prefer predictable payments and want to spread out the loan principal repayment throughout the term.
