Lantern vs Arch
Compare Arch with Lantern’s collateral options, insured custody and support when markets move.
Crypto-backed loans for the long haul.
BTC: 8% interest plus a 2% upfront fee gives a 10% APR for a 12-month loan. No loan-size pricing tiers; volume discounts are available for larger loans. Asset and state eligibility apply.
BTC, ETH and SOL loans via Anchorage; separate XRP terms.
*$10K–$15K BTC loans use the under-$250K tier: 10.49% APR with monthly payments or 10.99% APR at maturity. Larger loans qualify for lower rates. XRP pricing differs.
Why borrowers choose Lantern over Arch.
- 13 collateral assets vs 4Arch supports BTC, ETH, SOL, and XRP. Lantern also supports DOGE, XLM, ADA, HBAR, LTC, and more.
- 72-hour grace period and zero liquidation feesArch gives a 24-hour margin-call window and charges a liquidation fee. Lantern gives you three full days and no liquidation penalty.
- Predictable thresholds across 13 assetsLantern uses a 65% margin call and 75% liquidation threshold across supported assets. Arch’s margin-call and liquidation thresholds vary by asset.
Rates and APR
BTC-backed loans of $10,000–$15,000 over 12 months. Payment options are noted below.
Lantern: BTC: 8% interest plus a 2% upfront fee gives a 10% APR for a 12-month loan. No loan-size pricing tiers; volume discounts are available for larger loans. Asset and state eligibility apply.
Arch: *$10K–$15K BTC loans use the under-$250K tier: 10.49% APR with monthly payments or 10.99% APR at maturity. Larger loans qualify for lower rates. XRP pricing differs.
Rates reflect the loan size and payment option noted above. Compare quotes for the same collateral, term and eligibility.
Loan-to-value
How much you can borrow, and how much cushion you have before a margin call.
Borrow up to half your collateral’s value for BTC, ETH and SOL. Other supported assets have lower starting LTV limits.
Starting LTV: BTC 60%; ETH 55%; SOL and XRP 45%.
Consistency matters. Lantern applies the same 65% margin call and 75% liquidation thresholds across all 13 supported assets, no variation by coin.
Supported assets
The coins you can post as collateral.
Borrow against the coin you actually hold, without first swapping into a different collateral asset.
BTC, ETH and SOL share a rate schedule. Arch also publishes separate XRP rates and terms.
Customer support
Published channels for reaching a support team.
Call or text a real person on our customer support team.
Grace period
Time you have to top up before a liquidation event.
Three full days to top up or pay down before any liquidation begins. Markets move; we don't think you should be punished for being away from your phone.
24 hours to cure a margin call. Reaching the asset-specific partial-liquidation threshold can trigger a sale sooner.
Liquidation penalty
What it costs you if the market moves against your position.
If we have to liquidate, we sell exactly the amount needed to bring your loan back to a safe LTV. No 2% fee. No 5% fee. No surprise line items.
Arch typically charges 2% of the collateral sold during partial liquidation, where permitted by state law.
Custody model
Who actually holds your collateral, and how.
Anchorage Digital, OCC-chartered bank custody. Assets held in cold storage.
Every metric, side by side
Your pick | Competitor | |
|---|---|---|
| Rate / APR | From 10% APR BTC: 8% interest plus a 2% upfront fee gives a 10% APR for a 12-month loan. No loan-size pricing tiers; volume discounts are available for larger loans. Asset and state eligibility apply. | 10.49% APR* *$10K–$15K BTC loans use the under-$250K tier: 10.49% APR with monthly payments or 10.99% APR at maturity. Larger loans qualify for lower rates. XRP pricing differs. |
| Max LTV | Up to 50% | Starting LTV: BTC 60%; ETH 55%; SOL and XRP 45%. |
| Margin call threshold | 65% LTV | Varies by Asset |
| Liquidation threshold | 75% LTV | Varies by Asset |
| Supported assets | 13 | 4 |
| Support channels | Email, Phone & text, 1:1 Video | AI chat, Direct email, Phone, 1:1 Video |
| 1:1 video support | Yes | Yes |
| Grace period | 72 hours | 24 hours 24 hours to cure a margin call. Reaching the asset-specific partial-liquidation threshold can trigger a sale sooner. |
| Liquidation penalty | None | Typically 2% of the amount liquidated Arch typically charges 2% of the collateral sold during partial liquidation, where permitted by state law. |
| Custody model | Insured cold storage | Anchorage Digital |
| Insurance coverage | Up to $250M (BitGo Trust) | $100M Lloyd's of London |
| Minimum loan | From $1,000; state minimums apply | Varies by jurisdiction; shown in Arch’s app |
| Headquartered | Las Vegas, NV | New York, NY |
| Regulatory status | US-incorporated, Las Vegas, NV | US-incorporated, NMLS-registered |
Public sources reviewed September 2026. Terms vary by asset, loan size, payment option and jurisdiction. Unverified details are marked; confirm your individual quote before borrowing.
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Lantern vs everyone else
Variable-rate USDC loans using Morpho smart contracts on Base.
Automatic liquidation with no fixed grace period; collateral ownership transfers under its terms.
BTC, ETH and SOL loans; rates and margin-call rules depend on starting LTV.
Bitcoin-only loans with size-based pricing and restricted collateral re-posting.
US crypto credit lines; pricing depends on NEXO token holdings.
Bitcoin-only loans; pricing varies by loan size and payment option.