Arch charges 7.75%–9% APR with a 1.49% origination fee using custodial (anchorage, qualified custodian). Debifi charges 10%–14% (P2P) APR with a 1.5% origination fee using collaborative multisig (3-of-4, borrower holds a key). See the full breakdown of rates, thresholds, and custody risk below.
Rates verified 2026-06-09
Arch offers a lower headline rate at 7.75%–9% compared to Debifi's 10%–14% (P2P). On a $1M loan held for 12 months, Arch saves $40,100 in total first-year cost (interest plus origination fees). From a custody perspective, Debifi presents lower counterparty risk with its collaborative multisig (3-of-4, borrower holds a key) model.
Arch offers tiered rates that decrease with larger loan amounts, while Debifi charges a flat rate regardless of loan size. Total year-1 cost includes both annualized interest and any origination fees charged upfront.
| Loan Size | Arch APR | Debifi APR | Arch Total Year-1 Cost | Debifi Total Year-1 Cost | Savings |
|---|---|---|---|---|---|
| $100,000 | 9% | 12% | $10,490 | $13,500 | $3,010 with Arch |
| $250,000 | 8.5% | 12% | $24,975 | $33,750 | $8,775 with Arch |
| $500,000 | 8.5% | 12% | $49,950 | $67,500 | $17,550 with Arch |
| $1M | 8% | 12% | $94,900 | $135,000 | $40,100 with Arch |
| $5M | 7.75% | 12% | $462,000 | $675,000 | $213,000 with Arch |
Total year-1 cost includes annualized interest plus origination fees. Arch: 1.49% origination fee. Debifi: 1.5% origination fee. Debifi rates are set by the lending marketplace; the table uses a representative recent rate. Rates sourced from each lender's public rate pages as of 2026-06-09.
Arch and Debifi take fundamentally different approaches to collateral custody. Arch uses Custodial (Anchorage, qualified custodian). Your Bitcoin is held by Arch and could be at risk in the event of a hack, insolvency, or regulatory action. Debifi uses Collaborative multisig (3-of-4, borrower holds a key). Multiple key holders must coordinate to move funds, reducing single-point-of-failure risk but still requiring trust in the key coordination process.
Arch triggers margin calls at 70% LTV and liquidates at 80% LTV. Debifi triggers margin calls at 75% LTV and liquidates at 90% LTV. Arch gives borrowers 24 hours to respond to a margin call. Debifi uses threshold-based triggers without a fixed response window.
| Threshold | Arch | Debifi |
|---|---|---|
| Max Starting LTV | 60% | 70% |
| Margin Call | 70% LTV | 75% LTV |
| Margin Call Window | 24 hours | Threshold-based |
| Liquidation | 80% LTV | 90% LTV |
Arch: 20.0 percentage point buffer between starting LTV (60%) and liquidation (80%). Debifi: 20.0 percentage point buffer between starting LTV (70%) and liquidation (90%). Both lenders provide the same safety margin.
Choosing between Arch and Debifi requires evaluating total cost, custody risk, and which platform aligns with your borrowing profile. Arch uses custodial (anchorage, qualified custodian) with 7.75%–9% APR, while Debifi uses collaborative multisig (3-of-4, borrower holds a key) with 10%–14% (P2P) APR.
On a $250,000 loan, Arch costs $24,975 in the first year versus $33,750 at Debifi, a difference of $8,775. Part of Debifi's higher cost comes from its 1.5% origination fee, which adds $3,750 upfront on this loan size.
The custody difference is material. Debifi uses collaborative multisig (3-of-4, borrower holds a key), which means your Bitcoin requires multiple key holders to coordinate, reducing single-point-of-failure risk. Arch uses custodial (anchorage, qualified custodian). In a platform insolvency scenario, Debifi borrowers' collateral is protected by the multisig architecture, while Arch borrowers may face creditor claims.
Arch is the better fit for borrowers who need smaller loans or instant access. Debifi is the better fit for borrowers who need smaller loans or more flexible access.
Key details to be aware of: Arch: Origination fee is tiered and falls with loan size: 1.49% below $750K, 0. Debifi: P2P marketplace — institutional lenders set rates per offer: typically 10-14% APR (observed range ~9.5-21.
Arch is cheaper. On a $500,000 loan held for 12 months, Arch costs $49,950 (8.5% APR + 1.49% origination fee) while Debifi costs $67,500 (12% APR + 1.5% origination fee). That is a $17,550 difference in the first year.
Arch uses custodial (anchorage, qualified custodian). Debifi uses collaborative multisig (3-of-4, borrower holds a key). Debifi presents lower custody risk because your collateral requires coordination among multiple key holders.
Arch's minimum loan is $5,000. Debifi's minimum is $5,000. Both have the same minimum.
Arch issues a margin call at 70% LTV with a 24-hour response window and liquidates at 80% LTV. Debifi issues a margin call at 75% LTV (threshold-based, no fixed window) and liquidates at 90% LTV. Starting from a 50% LTV, Arch provides a 30-point buffer before liquidation, while Debifi provides a 40-point buffer.
It depends on your priorities. Arch (7.75%–9% APR, custodial (anchorage, qualified custodian), min $5,000) is better for borrowers who value custodial (anchorage, qualified custodian) and need smaller loan access. Debifi (10%–14% (P2P) APR, collaborative multisig (3-of-4, borrower holds a key), min $5,000) is better for borrowers who value collaborative multisig (3-of-4, borrower holds a key) and need smaller loan access. Use the rate table and cost comparison above to model your specific scenario.
Lygos offers 10% APR, $0 origination fees, and DLC-secured collateral where rehypothecation is cryptographically impossible.