What are the loan terms and conditions?

Loan-to-Value (LTV):

• You can borrow up to 50% of the value of your Bitcoin at the time of loan origination. For example, if you pledge $100,000 in BTC as collateral, you can borrow up to $50,000 in USD or USDC. Your LTV is actively monitored throughout the life of the loan.

Margin Calls:

• If your LTV reaches 70%, a margin call is triggered. You’ll be notified and asked to either deposit more collateral or repay part of the loan to bring your LTV back within acceptable limits. This helps protect you from forced liquidation during market volatility.

Partial Liquidation:

• If your LTV reaches 80%, a partial liquidation may occur. Only the portion of your Bitcoin necessary to bring your LTV back to 50% will be sold, minimizing disruption to your long-term Bitcoin position.
  

   

Loan Duration:

• Loans are available with fixed terms of up to two years. At the end of the term, you’ll have the option to either repay the loan in full or roll it over—potentially without repaying the principal—subject to a reassessment of your collateral and terms.

Prepayment:

• You can repay your loan early at any time without penalties or additional fees. This gives you the flexibility to exit the loan when it's most advantageous for you.
  
  

⚠️ Please note: Loan terms are subject to change and may vary based on market conditions, loan size, and eligibility. To view and confirm specific loan terms, create a loan agreement within the Arch application at app.archlending.com.