At Arch, we offer flexible and transparent loan terms tailored to crypto-backed borrowers. Below are the key details regarding our loan terms:
1. Loan-to-Value (LTV) ratios
Your loan's LTV ratio is based on the type of cryptocurrency you use as collateral. Arch supports Bitcoin (BTC), Ethereum (ETH), and Solana (SOL), with specific LTV ratios for each:
Bitcoin (BTC):
Starting LTV: 60%
Margin Call: 70%
Partial Liquidation Level: 70%
Ethereum (ETH):
Starting LTV: 55%
Margin Call: 65%
Partial Liquidation Level: 75%
Solana (SOL):
Starting LTV: 45%
Margin Call: 55%
Partial Liquidation Level: 65%
If your LTV reaches the partial liquidation level, part of your collateral will be sold to bring your LTV back to the starting level. A 2% fee is applied to any partial liquidation.
2. Loan Amounts
Arch provides flexibility when it comes to loan amounts. The minimum loan amounts can be viewed directly in the Arch web app according to your jurisdiction.
3. Loan Duration (Term)
We currently offer up to 12-month terms, with no early repayment fee and the option to refinance. If you would like a longer term, please get in contact with us by emailing [email protected]
4. Interest Rates
Our current interest rate is 14%.
5. Fees
Origination fee: 1.5%.
Partial Liquidation Fee: 2% of the amount liquidated.
6. Interest Payments
Arch provides several ways to make interest payments:
Stablecoins (USDC): Payments are accepted in USDC on both the Ethereum and Polygon networks.
Wire Transfers: Payments can also be made via wire transfer through your bank.
ACH Transfers: For a simpler bank payment option, ACH transfers are also supported.
7. Payout Options
Once your loan is approved, you can choose from the following payout options:
Stablecoins: Have USDC deposited into a crypto wallet of your choice.
Bank Account: Wire: Receive funds via a wire transfer to your bank account.
Bank Account: ACH: Opt for an ACH transfer to your bank account.
All of these terms are viewable in our app: