Compare · Updated September 2026

Lantern vs Arch

Compare Arch with Lantern’s collateral options, insured custody and support when markets move.

Switch to Lantern See the breakdown

Grace period: 72 hrs; Arch: 24 hours
Liquidation penalty: 0%; Arch: Typically 2%
Supported assets: 16; Arch: 4
From APR: 10%; Arch: 10.49%*

Key points

Why borrowers choose Lantern over Arch.

Grace period

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.

Liquidation penalty

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.

Supported assets

Borrow against the coin you actually hold, without first swapping into a different collateral asset.

Consistency matters.

Lantern applies the same 65% margin call and 75% liquidation thresholds across all 16 supported assets, no variation by coin.

The breakdown

Lantern vs Arch, criterion by criterion.

Criterion 1 of 6
Rates and APR
BTC-backed loans of $10,000–$15,000 over 12 months. Payment options are noted below.
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.
Lantern
Lantern wins
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.
Criterion 2 of 6
Loan-to-value
How much you can borrow, and how much cushion you have before a margin call.
Arch
Starting LTV: BTC 60%; ETH 55%; SOL and XRP 45%.
Lantern
Borrow up to half your collateral’s value for BTC, ETH and SOL. Other supported assets have lower starting LTV limits.
Criterion 3 of 6
Supported assets
The coins you can post as collateral.
Arch
BTC, ETH and SOL share a rate schedule. Arch also publishes separate XRP rates and terms.
Lantern
Lantern wins
Borrow against the coin you actually hold, without first swapping into a different collateral asset.
Criterion 4 of 6
Grace period
Time you have to top up before a liquidation event.
Arch
24 hours to cure a margin call. Reaching the asset-specific partial-liquidation threshold can trigger a sale sooner.
Lantern
Lantern wins
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.
Criterion 5 of 6
Liquidation penalty
What it costs you if the market moves against your position.
Arch
Arch typically charges 2% of the collateral sold during partial liquidation, where permitted by state law.
Lantern
Lantern wins
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.
Criterion 6 of 6
Custody model
Who actually holds your collateral, and how.
Arch
Anchorage Digital, OCC-chartered bank custody. Assets held in cold storage.
Lantern
BitGo cold storage with insurance. Bankruptcy-remote and segregated.

Full breakdown

Every metric, side by side

BTC-backed loans of $10,000–$15,000 over 12 months. Payment options are noted below.

Term

Rate / APR: Lantern leads:From 10% APRBTC: 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: Lantern leads:16; 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: Lantern leads:72 hours; 24 hours24 hours to cure a margin call. Reaching the asset-specific partial-liquidation threshold can trigger a sale sooner.
Liquidation penalty: Lantern leads:None; Typically 2% of the amount liquidatedArch typically charges 2% of the collateral sold during partial liquidation, where permitted by state law.
Custody model: Lantern leads:Insured cold storage; Anchorage Digital
Insurance coverage: Lantern leads: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: Lantern leads:Las Vegas, NV; New York, NY
Regulatory status: Lantern leads: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.