Arch Lending vs Nexo

Arch Lending

Nexo

CURRENCIES

Bitcoin (BTC)

✅

✅

Ethereum (ETH)

✅

✅

Solana (SOL)

✅

✅

Litecoin (LTC)

❌

✅

Ripple (XRP)

❌

✅

DOGE (DOGE)

❌

✅

SECURITY

Custody Partner

Anchorage Digital

Ledger Vault + Firebloks

Encryption for data

Not stated

ISO 27001: Information Security Management

ISO 27017: Cloud Security

ISO 27018: Cloud Privacy and Protection of Personally Identifiable Information

2FA

Authenticator apps

SMS verifications, email verifications, and authenticator app support

Headquartered

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

Zug, Switzerland, at 15 Grafenaustrasse

Collateral Management

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

Ledger Vault: Leverages hardware security modules (HSMs) and multi-signature protocols to safeguard private keys.

Fireblocks: Utilizes MPC-CMP (Multi-Party Computation with Key Management) technology to eliminate single points of failure.

Bakkt: Offers regulated custody through its Bakkt Warehouse, combining warm and cold storage tiers.

INTEREST RATES AND FEES

Annual Interest rates

BTC: 14.5%

ETH: 14.5%

SOL: 14.5%

18.9%, 30% LTV if you don't hold NEXO tokens.

2.9%, 20% LTV, total portfolio must be at least $5,000, AND at least 10% of your total portfolio value must be held in NEXO tokens.

If the portfolio drops below $5000, you have 7 days to add more before the interest rate jumps back up to 18.9%

Loan-to-value ratio

BTC: 60%

ETH: 55%

SOL: 45%

BTC: 50%

ETH: 50%

SOL: 30%

XRP: 30%

LTC: 30%

DOGE: 30%

Margin Calls

BTC: 70% LTV

ETH: 65% LTV

SOL: 55% LTV

#1: 71.4% LTV

#2: 74.1% LTV

#3: 76.9% LTV

Grace Period to add Collateral

24 hours

Instant loan repayment to maintain a healthy LTV ratio

Liquidation Fees

2.50%

No liquidation fees, but a flat 0.26% fee applies to all crypto repayments (excluding fiat and stablecoins)

Liquidation LTV

BTC: 80% LTV

ETH: 75% LTV

SOL: 65% LTV

83.33%

Origination Fees

1.50%

0%

Late Repayment Fees

10.00%

No late repayment fees, but a flat 0.26% fee applies to all crypto repayments (excluding fiat and stablecoins)

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

Repayments can be made in either fiat or USD and crypto

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

$50 if in stablecoins

$500 if in fiat

CUSTOMER SERVICE

Call Hotline

✅

✅

Email

✅

✅

SMS

❌

✅