Arch Lending vs Figure Markets

Arch Lending

Figure Markets

CURRENCIES

Bitcoin (BTC)

✅

✅

Ethereum (ETH)

✅

✅

Solana (SOL)

✅

❌

Litecoin (LTC)

❌

❌

Ripple (XRP)

❌

❌

DOGE (DOGE)

❌

❌

SECURITY

Custody Partner

Anchorage Digital

Self-custody through Multi-Party Computation (MPC) technology; private keys are distributed across a decentralized network

Encryption for data

Not stated

Not specified

2FA

Authenticator apps

Supported; clients are encouraged to enable two-factor authentication as a secure practice

Headquartered

595 Broadway, Floor 4, New York, NY 10012, United States

650 California Ste 2700, San Francisco, California, 94108, United States

Collateral Management

Arch Lending emphasizes their commitment to never rehypothecating client assets (not lending out or trading collateral). All assets remain in secure cold storage with their custody partner.

No rehypothecation (they don't lend out borrower collateral); assets held in MPC wallets with distributed private key shards

INTEREST RATES AND FEES

Annual Interest rates

BTC: 14.5%

ETH: 14.5%

SOL: 14.5%

9.90% (11.00% APR) at 50% LTV

OR

11.50% (12.62% APR) up to 75%

Loan-to-value ratio

BTC: 60%

ETH: 55%

SOL: 45%

BTC: 55%

ETH: 55%

Margin Calls

BTC: 70% LTV

ETH: 65% LTV

SOL: 55% LTV

70%

Grace Period to add Collateral

24 hours

24 hours

Liquidation Fees

2.50%

1.50%

Liquidation LTV

BTC: 80% LTV

ETH: 75% LTV

SOL: 65% LTV

85%

Origination Fees

1.50%

1%

Late Repayment Fees

10.00%

1.50%

Loan Disbursement Duration

Within 24 hours of receiving collateral

Same-day approval (terms and conditions may apply)

Repayment Options

Repayments can be made in either fiat USD or USDC stablecoin

USD or USDC

Early Repayment Penalties

No fees or penalties

No prepayment fees

Fixed Term

12-months

3 months

Number of active loans

No limit

No limit

Minimum loan amount

$1,000

$5,000 for domestic borrowers; no minimum for international borrowers

CUSTOMER SERVICE

Call Hotline

✅

✅

Email

✅

❌

SMS

❌

✅