Arch Lending vs Figure
How Arch Lending vs Figure compare on our ratings, earn platform specs, funding, pros and cons.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 4.0/5 | 4.1/5 |
| User rating | No reviews yet | No reviews yet |
| Rates | 4.0 | 4.0 |
| Security | 4.5 | 4.5 |
| Transparency | 4.0 | 4.5 |
| Flexibility | 4.0 | 3.0 |
| Support | 3.0 | 4.0 |
| Specs | ||
| KYC required | Yes | Yes |
| Products | Crypto-backed loans | Savings / earn, Crypto-backed loans |
| Highest advertised APY | Not disclosed | 9% |
| Max loan-to-value | 60% | 50% |
| Loan APR from | 7.25% | 10% |
| Supported assets | Not disclosed | 3 |
| Available in | United States | United States |
| Insurance | $100M Lloyd's of London policy through custodian Anchorage Digital | Not disclosed |
| Licenses & registrations | US State Lending Licenses | Not disclosed |
| Flexible (withdraw any time) | Yes | Not disclosed |
| Fixed terms | Yes | Yes |
| Company | ||
| Founded | 2022 | 2018 |
| Headquarters | United States | — |
| Investors | Not disclosed | Not disclosed |
| Strengths and weaknesses | ||
| Pros |
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| Cons |
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| Best for | US borrowers seeking crypto liquidity, Long-term Bitcoin and Ethereum holders, Borrowers needing non-rehypothecated institutional custody | Holders borrowing against BTC, ETH, or SOL, US homeowners needing fast HELOC funding, Real estate investors using rental income |
Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.