New York, NY, November 12, 2026

Arch Lending has launched a refinancing program for Bitcoin-backed loans, giving borrowers a way to switch lenders and possibly pay less interest.

A Bitcoin-backed loan lets someone borrow money using their Bitcoin as collateral, without selling it. Moving that loan elsewhere is harder than it sounds, because the original lender holds the Bitcoin until the debt is repaid.

Refinancing replaces the old loan with a new one. Think of it as moving a credit card balance to a card with a lower rate. Arch pays off the existing lender, the Bitcoin is released, and it moves to the new loan. Eligible borrowers don't need to find the money up front or pledge more Bitcoin. Once the new loan is in place, they can also increase the loan amount.

What a switch could save

Arch aims to beat a borrower's existing rate by up to two percentage points, and origination fees are waived on qualifying refinances through November 30, 2026.

On a $250,000 loan, a rate two percentage points lower plus the waived origination fee could save more than $8,000 in interest and fees in the first year if the balance stays the same. Actual savings depend on the loan terms.

"Borrowers should be able to look for better loan terms without having to sell their Bitcoin or come up with extra collateral just to make the switch," said Himanshu Sahay, Co-Founder and Chief Revenue Officer of Arch Lending. "We pay the existing lender directly, the collateral comes over to Arch, and the borrower has a chance to secure a lower rate with their Bitcoin held in qualified custody."

A Michigan pharmacy owner's switch

Garrette Belanger, who owns Orange Pill Pharmacy in Michigan, moved his Bitcoin-backed loan to Arch and now pays about two percentage points less. He wanted a lower rate, but his previous lender was holding his Bitcoin as collateral.

Arch paid that lender directly, which "was a huge deciding factor for me," Belanger said.

Belanger is developing a cash-pay model that he hopes will offer prescriptions at prices comparable to, or lower than, insurance copays. He sees borrowing against his Bitcoin as a way to pay for inventory and expansion without selling it.

Where the Bitcoin is held

Switching also means trusting a new company with the Bitcoin. Collateral is held 1:1 in segregated custody with Anchorage Digital, a federally chartered bank and qualified custodian. It isn't rehypothecated, meaning it isn't lent out or reused.

Eligibility and availability

Refinancing is subject to eligibility requirements, collateral requirements and final loan terms. Minimum loan size varies by Arch's standard loan terms, and anyone above those terms can qualify for the refinancing program. BTC, SOL, ETH, XRP, XAUT, and PAXG all qualify as collateral. Crypto-backed loans can be subject to potential digital-asset price volatility, margin calls and partial collateral liquidation.

The refinance program is available now to eligible borrowers. Borrowers can learn more and apply at https://archlending.com/refinance-crypto-loan/.

About Arch Lending

Arch Lending is a U.S.-based lending platform that lets holders of alternative assets borrow against their holdings without selling. It supports Bitcoin, Ethereum, Solana, XRP, PAX Gold, and Tether Gold as collateral. Eligible client assets are held 1:1 in segregated custody with Anchorage Digital, a federally chartered bank and qualified custodian, and are not rehypothecated. Arch Lending is operated by ChainFi, Inc. Learn more at archlending.com.

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