Flexible Loan Terms & Low Friction

• Borrow up to 50% Loan-to-Value (LTV); margin calls occur at 70% LTV, with partial liquidation at 80% for only the amount needed to bring the LTV back down to 50%.
• Fixed terms up to two years, with an option to roll over (without repaying principal).
• No early repayment penalties—pay it off whenever it suits you.

Line of Credit Approach

• Think of this like a revolving credit line. If bitcoin’s value goes up, you may request partial releases of your collateral. If you need more funds, you can quickly upsize your loan (without adding more collateral) —subject to the same transparency and security checks.

Built for the Future of Bitcoin Custody

• Although this initial version of the product does not fully integrate Onramp’s multi-institution custody architecture, both Onramp and Arch are aligned in our vision of bitcoin custody evolving to a multi-institution standard.
• Our partnership is designed to adapt and grow alongside these developments, so you can expect enhanced protections and custody features down the road.

How It Works

Sign Up
If you’re an existing Onramp client, contact your representative to get started. Otherwise, reach out via our website for more information.

Collateral Deposit
Your bitcoin will be transferred to a segregated address that Onramp and Arch have independently verified.

Loan Approval & Funding
Once approved, loan proceeds can be wired to your bank account or delivered as stablecoins.

Ongoing Management
Monitor your LTV ratio in real time. If bitcoin’s price rises, you can reduce your loan balance or request a partial release of collateral.

Next Steps

We’re grateful for the opportunity to expand our suite of bitcoin financial services and remain committed to delivering products that truly serve our clients’ needs—both today and in the evolving future of bitcoin custody.

• Want to learn more? Contact us today to speak with an Onramp representative.
• Already an Onramp client? Reach out to Onramp to get started immediately.

Stay tuned for more updates as we continue building the foundation for secure, innovative bitcoin financial services.