Arch

Arch caps loan-to-value at 60% and uses a structured cure window rather than instant liquidation, with all assets held in bankruptcy-remote custody at Anchorage Digital. Separately, a $100 million Lloyd's of London insurance policy through the custodian covers the asset pool. The firm publicly claims zero collateral losses across over $500 million in serviced loans.

Assets posted as collateral are never lent out, pledged, or reused for any other purpose — they sit segregated at Anchorage Digital for the full loan term. This directly addresses the structural failure of earlier crypto lenders, where rehypothecated collateral became entangled in proprietary trading and unsecured bankruptcy proceedings. It also aligns with Arch's identity as a pure lending platform rather than a balance-sheet trading desk.

All lending operations flow through the product and credit infrastructure built under CEO Himanshu Sahay, formerly of Brex, and CTO Christopher Storaker, previously an engineering leader at Snapchat and Tinder. There is no separate investment committee disclosed; the firm's automated system governs loan origination, with human support available for bespoke structuring.

Arch operates as a regulated, venture-backed lending company — not a family office. It holds NMLS license #2637200 and lists institutional backers on its website. The founders frame Arch as a direct response to the inadequate financial infrastructure they encountered as crypto-native investors, positioning the firm closer to a specialty finance company than a multi-family office or registered investment advisor.

Arch markets to individual borrowers on its public site while maintaining a dedicated 'Institutions' section, indicating a dual-constituency model. The full scope of institutional services — whether they include white-label credit lines, treasury management, or bulk loan structuring — is not detailed publicly. The core described stack (automated origination, Anchorage Digital custody) applies to both cohorts.