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About Arch
Industries
Fintech
Crypto & Web3
Financial Services
Company Size
11-50
Company Stage
Debt Financing
Total Funding
$155.5M
Headquarters
New York City, New York
Founded
2022
Overview
Arch Lending, operated by ChainFi, Inc., provides cryptocurrency-backed loans in U.S. dollars by using Bitcoin, Ethereum, and Solana as collateral. The platform is fully automated and offers instant loan approvals without a traditional credit check, letting clients access liquidity without selling their digital assets. Revenue comes from the interest on loans, and the company serves both individual crypto investors and institutional clients, with private wealth management and advisory services available. Arch differentiates itself through automated, rapid credit access backed by crypto collateral, a focus on liquidity without taxable asset sales, and a service offering that includes private wealth management. The company aims to expand its lending capacity and market presence, supported by a recent $75 million raise, and to grow its footprint in crypto-based financial products by offering secure and efficient credit access for crypto holders.
Simplify's Take
What believers are saying
- Arch secured $75M funding in 2024 from Morgan Creek Digital and Galaxy to expand lending.
- Arch lowered rates to 8.49% APR, partnering with Anchorage Digital for $250M insured custody.
- Arch launched Velocity by Arch on May 23, 2025, with Mark Moss for Bitcoin holders.
What critics are saying
- Galaxy terminates $70M debt facility within 6-12 months due to 13% rates failing borrowers.
- Crypto crash triggers mass liquidations at 60% LTV in 12 months, eroding trust like BlockFi.
- Aave captures retail users with sub-5% DeFi rates and no 12-month limits in 3-6 months.
What makes Arch unique
- Arch accepts startup equity shares as collateral unlike traditional crypto lenders.
- Arch provides instant fiat USD loans directly to bank accounts, skipping exchanges.
- Arch operates fully regulated in 44 U.S. states with regulatory-first compliance.
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Funding
Total Funding
$155.5M
Above
Industry Average
Funded Over
3 Rounds
Benefits
Meal Benefits
Growth & Insights and Company News
6 month growth
↓ -2%1 year growth
↓ -2%2 year growth
↓ -2%Arch Lending, a New York-based crypto lending firm, has secured $75 million in funding, including a $5 million equity seed round and $70 million in loan financing from Galaxy. This funding, co-led by Morgan Creek Digital and Castle Island Ventures, highlights growing confidence in crypto-backed loans, which allow borrowing against cryptocurrencies like Bitcoin without selling them. However, market volatility remains a significant risk, and investors should proceed with caution.
Arch Lending has secured $75 million to expand its crypto-backed loan services, with a $70 million loan facility from Galaxy. This funding round, co-led by Morgan Creek Digital and Castle Island Ventures, highlights growing institutional interest in crypto-backed lending. Arch Lending offers secure loans by using cryptocurrency as collateral, allowing borrowers to access funds without selling their digital assets, while maintaining exposure to potential market gains.
NEW YORK, May 23, 2025 /PRNewswire/ -- Bitcoin educator and investor Mark Moss has partnered with leading Bitcoin lender Arch Lending to launch Velocity by Arch—a new division offering elite wealth-building tools to long-term Bitcoin holders, with institutional-grade protection and zero compromise on security or custody."Bitcoin is the first new financial asset in over 500 years," said Moss."It unlocks the same elite strategies the wealthy have used for generations—now it's time to make those tools accessible to everyone, without the risk."
Alumni Ventures invested in Arch Lending's $75 million equity and debt financing round, led by Morgan Creek Digital and Castle Island Ventures. Arch Lending, founded in 2022, offers crypto-backed loans, allowing borrowers to access liquidity without liquidating assets. The platform provides loans with a loan-to-value ratio of up to 60% and interest rates starting at 13%. Arch plans to expand its offerings to include yield-earning products and other financial services for digital asset holders.
Arch, Inc. announced on November 26, 2024, that it has secured ¥900 million in funding from XTech Ventures Co., Ltd., Seibu Shinkin Capital Corporation, Dai-ichi Life Holdings, Inc., and Boost Capital Co., Ltd.
Arch is Hiring for 27 Jobs on Simplify!
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About Arch
Industries
Fintech
Crypto & Web3
Financial Services
Company Size
11-50
Company Stage
Debt Financing
Total Funding
$155.5M
Headquarters
New York City, New York
Founded
2022
Arch is Hiring for 27 Jobs on Simplify!
Find jobs on Simplify and start your career today