Platforms Comparison: Arch Lending vs CoinRabbit
| Feature | Arch Lending | CoinRabbit |
| Supported Coins | 3 (BTC, ETH, SOL) | 350+ cryptocurrencies |
| LTV Ratios | 45-60% | 50-90% |
| Minimum Loan | Varies | Varies (25-100$ mostly) |
| Funding Speed | 5 minutes to apply, funds in 24–48 hours | 10 minutes complete |
| Interest Rates | 11-14% APR | 16-19% APR |
| Verification | Required | None |
| Origination Fee | 1.5% | None |
| Loan Terms | Up to 24 months | Unlimited |
| Support | Business hours | 24/7 human support |
Summary Table
Arch Finance: The Premium Security Option
Arch Finance positions itself as the “Swiss bank” of crypto lending, prioritizing institutional-grade security over competitive rates. Founded in 2022 by former Brex and Snapchat executives, the platform emerged specifically to address security failures that caused previous lenders like BlockFi and Celsius to collapse.
The platform’s strengths include:
- Qualified custody through Anchorage Digital, a federally chartered bank
- Conservative 45-60% LTV ratios to minimize liquidation risk
- Regulatory compliance with NMLS license #2637200
- No rehypothecation policy keeping collateral in cold storage
However, Arch’s institutional focus creates barriers for everyday crypto holders. The platform only supports Bitcoin, Ethereum, and Solana as collateral — missing 99% of the crypto market. Their 11-14% APR rates significantly exceed DeFi alternatives, while geographic restrictions and undisclosed minimum loan amounts further limit accessibility.
CoinRabbit: Democratizing Crypto Lending
CoinRabbit takes the opposite approach, building a platform that serves everyone from retail investors to VIP clients. The platform’s infrastructure handles over 350 different cryptocurrencies, enabling holders of everything from Bitcoin to emerging altcoins to access liquidity without selling.
CoinRabbit’s market advantages include:
- Universal accessibility with no credit checks or lengthy verification
- 10-minute funding from application to receiving funds
- Flexible LTV options from 50% to 90% based on risk tolerance
- Auto Increase feature preventing unexpected liquidations
- Special Private Program terms for large-volume borrowers (lower rates, post-liquidation loan restoration, cross-collateralization options, and dedicated support through a private manager chat)
- Multi-signature cold storage ensuring security without compromising speed
Why Choose CoinRabbit Over Arch Lending?
The data reveals clear advantages for CoinRabbit across multiple dimensions that matter most to crypto borrowers in 2025.
Top 5 Reasons CoinRabbit Excels
| Advantage | CoinRabbit Benefit | Arch Limitation |
| Asset Support | 300+ coins accepted | Only 3 cryptocurrencies |
| Speed to Funds | 10 minutes complete | 5 minutes to apply, funds in 24–48 hours |
| Accessibility | No verification, $25-100 minimum | Complex verification, undisclosed minimums |
| Cost Efficiency | No origination fees | 1.5% upfront fee |
| Global Reach | Available worldwide | Geographic restrictions |
As the Buy, Borrow, Die strategy gains popularity, crypto lending is seeing renewed momentum. According to Galaxy Research’s Q4 2024 report, the market increasingly values speed and accessibility as key differentiators. CoinRabbit’s 10-minute funding timeline represents a 90% improvement over industry averages, while support for 100x more collateral types than Arch opens access to the broader crypto ecosystem.
Fees and Interest Rates
Cost structures reveal fundamental philosophical differences between platforms.
| Cost Component | Arch Lending | CoinRabbit |
| Origination Fee | 1.5% | 0% |
| Monthly Interest (50% LTV) | ~0.95% | 2.25% |
| Monthly Interest (90% LTV) | N/A | 1.586% |
| Prepayment Penalty | None | None |
| Liquidation Fee | Typically 2% | 0% |
While Arch’s APR appears lower initially, the 1.5% origination fee means borrowers pay $1,500 upfront per $100,000 borrowed. CoinRabbit’s zero-fee structure with transparent monthly rates often results in lower total costs for loans under 12 months — the majority of crypto lending use cases.
Security Measures
Both platforms learned from 2022’s lending crisis, implementing robust security without rehypothecation.
Arch Security Infrastructure:
- Anchorage Digital qualified custody
- BitGo partnership for additional custody
- Bankruptcy-remote trust structures
- $250 million insurance coverage
CoinRabbit Security Framework:
- Multi-signature cold wallet storage
- Custody storage with full reserves and 1:1 backing
- No reuse of collateral
- Real-time monitoring systems
- Auto Increase liquidation protection
CoinRabbit’s multi-signature approach distributes risk while maintaining operational efficiency. The Auto Increase feature represents a breakthrough in borrower protection, automatically adjusting collateral to prevent liquidation during market volatility — addressing the primary risk in crypto lending.
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Frequently Asked Questions
What is Arch Lending?
Arch Lending is a platform that enables users to take out loans backed by cryptocurrency. It, compared to other platforms, provides a quick and easy way to access funds by leveraging digital assets as collateral.
Is Arch Lending Safe?
While Arch Lending uses standard security measures like encryption to protect user data, it is always wise to fully review their security policies and terms before engaging with the platform.
How Does CoinRabbit Compare to Arch Lending?
Compared to Arch Lending, CoinRabbit offers faster loan processing. No credit checks. More asset options. Clear transparent rates. It all makes CoinRabbit a strong alternative for crypto-backed loans.
The information provided in this article is for educational and informational purposes only and should not be construed as financial advice. Cryptocurrency investments carry a high level of risk, and it is essential to conduct thorough research and consult with a qualified financial advisor before making any investment decisions. The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any financial institution or organization. We do not take responsibility for the platforms we recommend. Always invest responsibly and consider your individual financial situation before making investment choices.
Last Updated on January 15, 2026 by Dan Marsh
