Lantern vs Arch
Arch is a solid product. Lantern goes further on the things that bite when markets move.
Crypto-backed loans for the long haul.
Institutional BTC, ETH, XRP & SOL loans via Anchorage custody.
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.
- $1,000 minimum vs $5,000Arch requires a $5,000 minimum loan amount. Lantern's minimum is $1,000, so you can borrow without taking on more debt than you need.
Interest rates
What you'll actually pay over the life of the loan.
Starting APR for a 12-month loan at 25% LTV. Actual rate depends on jurisdiction, term, and creditworthiness.
Loan-to-value
How much you can borrow, and how much cushion you have before a margin call.
A conservative LTV keeps you well clear of margin calls in normal volatility. Borrow up to half your collateral and keep the rest as runway.
Arch offers Up to 60% LTV. Compare carefully against Lantern's liquidation terms.
Consistency matters. Lantern applies the same 65% margin call and 75% liquidation thresholds across all 13 supported assets, no variation by coin. Verify Arch's per-asset thresholds carefully before borrowing.
Supported assets
The coins you can post as collateral.
Borrow against the coin you actually hold, without first swapping into 'qualified' collateral and paying the tax bill.
Arch accepts BTC, ETH, XRP and more. If your portfolio is more diverse, you'll be swapping first.
Customer support
How, and how fast, you can reach a real person.
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.
Arch provides a 24 hours window. One day may not be enough when markets move fast.
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.
Standard fees apply. Confirm the exact penalty with Arch before borrowing.
Custody model
Who actually holds your collateral, and how.
Anchorage Digital, OCC-chartered bank custody.
Every metric, side by side
Your pick | Competitor | |
|---|---|---|
| Starting rate | From 8% APR | 9–12% APR |
| Max LTV | Up to 50% | Up to 60% |
| Margin call threshold | 65% LTV | As low as 55% LTV |
| Liquidation threshold | 75% LTV | As low as 65% LTV |
| Supported assets | 13 | 4 |
| Support channels | Email, Phone & text, 1:1 Video | Email, AI chatbot |
| 1:1 video support | Yes | No |
| Grace period | 72 hours | 24 hours |
| Liquidation penalty | None | 2% |
| Custody model | Insured cold storage | Anchorage Digital |
| Insurance coverage | Up to $250M (BitGo Trust) | $100M Lloyd's of London |
| Minimum loan | $1,000 | $5,000 |
| Headquartered | Las Vegas, NV | New York, NY |
| Regulatory status | US-incorporated, Las Vegas, NV | US-incorporated, NMLS-registered |
Ready to switch?
Move from Arch
to Lantern Finance
Lantern vs everyone else
DeFi loans via Morpho on Base. Instant USDC disbursement.
Instant crypto loans on 300+ assets. No credit checks required.
Blockchain-powered lending. Up to 75% LTV, same-day approval.
Bitcoin-focused loans. Globally available, Cayman-incorporated.
Instant crypto credit lines from 2.9% APR on 13 assets.
BTC-backed loans. 72-hour grace period, 0% origination fee.