Arch
@ArchLending
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The world's leading destination for Bitcoin backed loans for individuals and institutions
New York City
Joined October 2022
Big news: today Arch is rolling out a platform wide rate drop. One of the biggest failures in crypto lending is opacity. Hidden steps. Negotiated rates. “DM us” pricing. That works until you have to scale. So we rebuilt our rate structure from the ground up.
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This chart shows the amount of Bitcoin needed to retire in 2035 by country. But what we're really seeing is why selling Bitcoin is the most expensive retirement strategy. Which retirement plan are you following?
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For generations, people have borrowed against homes, stocks, and businesses - not sold them. Bitcoin works the same way. Here are 3 reasons borrowing can make more sense than selling.
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Every detail at Arch is designed to let you unlock the power of your Bitcoin with low rates, white-glove service, bank-grade security and verifiable transparency. Ready to experience the difference? Follow @ArchLending and discover our approach today. We’re here to answer your
Bitcoin's institutional adoption hit a major inflection point in 2025. $15B in ETF inflows, 29.8% of supply now held by institutions and 86% of institutional investors either holding or planning allocations. Here's what this means for borrowing against your BTC 🧵
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The next wave projections show $3-4 trillion in institutional capital could enter with full regulatory clarity. Smart holders are already using BTC-backed loans to access liquidity without selling and capturing upside while meeting immediate needs.
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For Bitcoin holders, this creates opportunity: You can borrow safely against an asset that's being validated by the world's largest financial institutions while maintaining exposure to long-term appreciation. Your BTC is your credit and it's now backed by institutional
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Why this matters for Bitcoin-backed lending? Institutional adoption means price stability and reduced volatility. When Harvard holds $1.9B in Bitcoin ETFs and Goldman Sachs holds $3.3B, it signals BTC is becoming a mature collateral asset.
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The data tells us Bitcoin is transitioning from a speculative asset to an institutional treasury standard. 192 companies now hold BTC in reserves, Strategy alone just reached 3.2% of all BTC in existence, and pension funds expanded positions after BTC crossed $108K.
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Bitcoin's institutional adoption hit a major inflection point in 2025. $15B in ETF inflows, 29.8% of supply now held by institutions and 86% of institutional investors either holding or planning allocations. Here's what this means for borrowing against your BTC 🧵
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Life doesn't wait for the perfect moment when you need money. Joe Burnett learned this at the start of 2024 when he needed a new car. He had Bitcoin and he could have sold. Instead, he borrowed against it, bought the car and kept his sats. Then Bitcoin appreciated and by
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One of the least visible parts of lending is how a lender raises capital. Historically, crypto lenders relied on retail deposits or short-term credit lines. Both approaches introduced structural risk, especially during periods of stress. We all saw the consequences of that in
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“Never sell” doesn’t mean “never use”. With Bitcoin-backed loans, your stack can fund your lifestyle without selling a single sat. That’s how Bitcoin changes lives without selling it.
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Over the last few years, crypto lending has evolved from retail deposits to more structured, institutional capital. Today, on-chain markets often have capital with few places to deploy it efficiently, while off-chain markets face the opposite problem — strong borrower demand but
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We believe protecting your Bitcoin and guiding your decisions require the same level of care.
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Why “no rehypothecation” is not an “optional” feature. In traditional finance, rehypothecation happens quietly. An institution receives your collateral, then uses it for its own borrowing, trading, or leverage. In crypto, this created catastrophic failures. Clients thought
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Credit scores measure your past. Bitcoin measures your collateral. No paperwork. No permissions. No middlemen. 🚨 #ChainLeakPodcast 🚨 Arch Lending - Institutional Design With Arch Co-Founder @Hhsahay Presented by @ArchLending Partner | https://t.co/OVigZFU4SB
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