Arch Lending vs Ledn

Arch Lending

Ledn

CURRENCIES

Bitcoin (BTC)

✅

✅

Ethereum (ETH)

✅

✅

Solana (SOL)

✅

❌

Litecoin (LTC)

❌

❌

Ripple (XRP)

❌

❌

DOGE (DOGE)

❌

❌

SECURITY

Custody Partner

Anchorage Digital

BitGo Trust Company

Encryption for data

Not stated

AES-256

2FA

Authenticator apps

Yes

Headquartered

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

VASP Registered with CIMA (Ledn Cayman SEZC Inc.)

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.

Standard Loans: For these loans, Ledn has the right to lend the collateral to institutions to earn interest, which in turn, Ledn uses to lower the interest rate of these Standard loans.

Custodied Loans: The collateral you post to secure your loan may only be re-posted by Ledn to a trusted institutional USD funding partner, such as a bank, credit fund or other corporate funding partner.

INTEREST RATES AND FEES

Annual Interest rates

BTC: 14.5%

ETH: 14.5%

SOL: 14.5%

BTC: 10.4%

ETH: 10.4%

Loan-to-value ratio

BTC: 60%

ETH: 55%

SOL: 45%

BTC: 50%

ETH: 50%

Margin Calls

BTC: 70% LTV

ETH: 65% LTV

SOL: 55% LTV

Not specified

Grace Period to add Collateral

24 hours

Not specified

Liquidation Fees

2.50%

2.00%

Liquidation LTV

BTC: 80% LTV

ETH: 75% LTV

SOL: 65% LTV

80%

Origination Fees

1.50%

2%

0% if the US or Canada

Late Repayment Fees

10.00%

Not specified

Loan Disbursement Duration

Within 24 hours of receiving collateral

Within 24 hours of receiving collateral

Repayment Options

Repayments can be made in either fiat USD or USDC stablecoin

BTC, ETH, USDC, or via wire transfer.

Early Repayment Penalties

No fees or penalties

No fees or penalties

Fixed Term

12-months

12-months

Number of active loans

No limit

No limit

Minimum loan amount

$1,000

$1,000

CUSTOMER SERVICE

Call Hotline

✅

✅

Email

✅

✅

SMS

❌

✅