Arch Lending
Battery Finance
Battery Finance
Security & Custody: BitGo/Anchorage custody; $250M insurance; no rehypothecation
Interest Rates & Yields: Borrowing: 8-12% APR; no lending yields
Fees & Costs: 1.5% origination; 2% liquidation; no prepayment
Regulatory Compliance: Licensed in 32 US states; MSB compliant
Transparency & Audits: Verifiable on-chain; segregated addresses
Loan Term
Security & Custody: BitGo/Anchorage custody; $250M insurance; no rehypothecation
Interest Rates & Yields: Borrowing: 8-12% APR; no lending yields
Fees & Costs: 1.5% origination; 2% liquidation; no prepayment
Regulatory Compliance: Licensed in 32 US states; MSB compliant
Transparency & Audits: Verifiable on-chain; segregated addresses
Loan Terms & Risks: LTV 45-60%; up to 24 months; margin calls at 70%; partial liquidation
User Experience & Support:
....Seamless app; 24-hour funding; concierge support; 4.9/5 Trustpilot
Battery Finance
Battery Finance
Battery Finance
Security & Custody: Institutional custody partners; no rehypothecation; blended real asset collateral
Interest Rates & Yields: Borrowing: single-digit APR (e.g., 5-7%)
Fees & Costs: Not specified; standard closing costs
Regulatory Compliance: US RIA licensed; compliant for specialty finance
Transparency & Audits: Structured credit reports; as
Security & Custody: Institutional custody partners; no rehypothecation; blended real asset collateral
Interest Rates & Yields: Borrowing: single-digit APR (e.g., 5-7%)
Fees & Costs: Not specified; standard closing costs
Regulatory Compliance: US RIA licensed; compliant for specialty finance
Transparency & Audits: Structured credit reports; asset manager disclosures
Loan Terms & Risks: Blended LTV 10-30% BTC; 10-year terms; no mark-to-market liquidation
User Experience & Support: Institutional focus; $10M+ loans; professional onboarding
Coinbase
Battery Finance
Coinbase
Security & Custody: 98% cold storage; audited; public company
Interest Rates & Yields: Borrowing: Dynamic, as low as 5% APR
Fees & Costs: No platform fees; variable interest only
Regulatory Compliance: SEC-compliant; US/EU licensed; KYC
Transparency & Audits: Audited reserves; full financials; PoR
Loan Terms & Risks: LTV up to 86% liquidation;
Security & Custody: 98% cold storage; audited; public company
Interest Rates & Yields: Borrowing: Dynamic, as low as 5% APR
Fees & Costs: No platform fees; variable interest only
Regulatory Compliance: SEC-compliant; US/EU licensed; KYC
Transparency & Audits: Audited reserves; full financials; PoR
Loan Terms & Risks: LTV up to 86% liquidation; open-term; BTC to USDC
User Experience & Support: Seamless app; beginner-friendly; 24/7 support; 4.6/5
Ledn
Battery Finance
Coinbase
Security & Custody: BitGo custody; insured; SOC 2; cold storage; custodied option no rehypothecation
Interest Rates & Yields: Borrowing: 9.9-11.9% APR; Savings: up to 8.5% APY BTC
Fees & Costs: 2% origination (non-US/CA); no early repayment
Regulatory Compliance: Cayman-based; global compliance; AML/KYC
Transparency & Audits: Monthly PoR audi
Security & Custody: BitGo custody; insured; SOC 2; cold storage; custodied option no rehypothecation
Interest Rates & Yields: Borrowing: 9.9-11.9% APR; Savings: up to 8.5% APY BTC
Fees & Costs: 2% origination (non-US/CA); no early repayment
Regulatory Compliance: Cayman-based; global compliance; AML/KYC
Transparency & Audits: Monthly PoR audits; Open Book Reports
Loan Terms & Risks: LTV 50%; 12 months; no monthly payments; zero liquidations history
User Experience & Support: Fast 24h funding; intuitive app; strong support
Maple Finance
Unchained Capital
People’s Reserve
Security & Custody: Audited contracts; delegates vet risks
Interest Rates & Yields: Lending: 4-8% APY; Borrowing: 10-15% APR
Fees & Costs: Gas fees; minimal platform
Regulatory Compliance: Decentralized; institutional KYC options
Transparency & Audits: On-chain; open-source; GitHub
Loan Terms & Risks: LTV 60%; undercollateralized options; defa
Security & Custody: Audited contracts; delegates vet risks
Interest Rates & Yields: Lending: 4-8% APY; Borrowing: 10-15% APR
Fees & Costs: Gas fees; minimal platform
Regulatory Compliance: Decentralized; institutional KYC options
Transparency & Audits: On-chain; open-source; GitHub
Loan Terms & Risks: LTV 60%; undercollateralized options; default risks
User Experience & Support: Institutional UX; integrations; moderate ease.
People’s Reserve
Unchained Capital
People’s Reserve
Security & Custody: No rehypothecation; secure collateral holding
Interest Rates & Yields: Borrowing: 3.5% for mortgages; self-repaying via BTC growth
Fees & Costs: Low; no specified penalties
Regulatory Compliance: US-focused; compliant for mortgages/loans
Transparency & Audits: Transparent product terms; no PoR noted
Loan Terms & Risks: No L
Security & Custody: No rehypothecation; secure collateral holding
Interest Rates & Yields: Borrowing: 3.5% for mortgages; self-repaying via BTC growth
Fees & Costs: Low; no specified penalties
Regulatory Compliance: US-focused; compliant for mortgages/loans
Transparency & Audits: Transparent product terms; no PoR noted
Loan Terms & Risks: No LTV/liquidation risk; self-repaying terms; BPM products
User Experience & Support: Bitcoiner-focused; simple for BTC holders
Strike
Unchained Capital
Unchained Capital
Security & Custody: Secure holding; no rehypothecation; audited
Interest Rates & Yields: Borrowing: 9.5%+ APR tiered
Fees & Costs: 0% origination/early/late/liquidation
Regulatory Compliance: NMLS licensed; US states; AML/KYC
Transparency & Audits: Real-time tracking; full backing
Loan Terms & Risks: LTV 50%; 12 months; overcollateralized
User
Security & Custody: Secure holding; no rehypothecation; audited
Interest Rates & Yields: Borrowing: 9.5%+ APR tiered
Fees & Costs: 0% origination/early/late/liquidation
Regulatory Compliance: NMLS licensed; US states; AML/KYC
Transparency & Audits: Real-time tracking; full backing
Loan Terms & Risks: LTV 50%; 12 months; overcollateralized
User Experience & Support: App-based Loan Center; alerts; priority support
Unchained Capital
Unchained Capital
Unchained Capital
Security & Custody: 2-of-3 multisig; no rehypothecation; SOC 2
Interest Rates & Yields: Borrowing: 9-12% APR
Fees & Costs: 2% origination; no prepayment
Regulatory Compliance: NMLS licensed; US states compliant
Transparency & Audits: On-chain monitoring; audits; PoR
Loan Terms & Risks: LTV 40%; 12 months; margin calls
User Experience & Support:
Professional; concierge; 4.8/5