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Bitcoin-Backed Loans

Access liquidity without selling your bitcoin

Onramp has partnered with Arch Lending to offer USD loans secured by your bitcoin. Another step in Onramp's mission to provide comprehensive financial services anchored in trust and security.

Schedule ConsultationSign Up With Arch
₿$₿

Why Onramp

Why choose Onramp for bitcoin-backed loans?

Onramp has partnered with Arch Lending (Arch) to offer USD loans secured by your bitcoin.

Leverage your bitcoin, keep your upside

Use bitcoin as collateral, borrow cash, and maintain exposure to future price appreciation.

Secure custody

Your collateral is held in a segregated on-chain address at Anchorage, a regulated qualified custodian with strict controls. Lending on Multi-Institution Custody is coming soon.

Fast, transparent funding

Proceeds can be wired to your bank or delivered as stablecoins. Real-time loan-to-value tracking simplifies ongoing loan management.

How It Works

Onramp and Arch working together to serve you

Simple, secure, and fast.

01

Sign up

New to Onramp? Schedule a consultation. Already an Onramp client? Contact your rep for next steps.

02

Deposit your bitcoin

You'll transfer Bitcoin to a segregated address, verified independently by Onramp and Arch.

03

Loan approval & funding

Arch finalizes your approval, then you promptly receive your funds (USD or stablecoin).

FAQ

Common lending questions

Learn more about bitcoin loans.

How much can I borrow?

Borrow up to 50% loan-to-value. Depositing 1 BTC as collateral would allow you to borrow up to the USD value of 0.5 BTC.

What is the term of the loan?

Up to 2-year terms, renewable without repaying principal.

What is the interest rate?

Interest rates vary based on term and amount, starting at 7.25% APR — including origination.

Are there early prepayment penalties?

No, you can repay at any time.

Is a credit check required?

No credit check required, your credit score remains untouched.

What happens if the value of my BTC collateral drops?

If the loan-to-value (LTV) reaches 70%, you’ll receive a margin call which must be met within 24 hours and must add more BTC to restore the LTV to 50%. For example, on a $100,000 loan, if the BTC collateral falls from $200,000 to ~$142,857, you would need to add ~$57,143 in BTC within 24 hours.

Will my BTC be liquidated if the price drops too far and I don't meet the margin call?

Yes. If your LTV hits 80%, Arch will automatically liquidate just enough BTC to bring the loan back to the original 50% LTV, plus a 2% transaction fee. This helps protect both borrower and lender from further risk.

Can I manage my loan in the Onramp dashboard?

At this time, all loans are handled through Arch's dashboard. We plan integration in the near future.

Ready to borrow against your bitcoin?

Schedule a consultation with our team or sign up directly with Arch.

Schedule ConsultationSign Up With Arch

Important Disclosure: Lending services are provided by ChainFi, Inc (dba Arch Lending), an independent entity not affiliated with Onramp. Your use of these services will be subject to Arch Lending's terms and conditions and privacy policy. For additional information, please visit Arch Lending's official website: https://archlending.com.