Platform Comparison
Arch vs Nexo: Competitive CeFi BTC Lending
Compare Arch Lending and Nexo for Bitcoin-backed loans. APR, safety scores (7.0 vs 5.3), custody, LTV, fees, and which platform is right for you.
Arch and Nexo are both CeFi platforms but with key differences. Arch offers 60% LTV with a tiered rate ladder advertised from 7.25% for top-tier qualified borrowers, while Nexo provides same-day revolving credit with quote/account-dependent pricing. Arch's real all-in pricing runs higher once its tiered origination fee (0.49% to 1.49%) and borrower tiering are included, but it still scores higher on safety (7.0 vs 5.3) with clearer no-rehypothecation language while Nexo remains account-term dependent.
Arch is stronger on safety-score and transparency: 7.0 safety score, no-rehypothecation language, and straightforward tiered pricing. It fits borrowers who value clear terms and custody protection.
Nexo is stronger on flexibility: same-day revolving credit, no origination fees, and potentially lower rates for NEXO token holders. It fits active borrowers who want reusable credit lines.
Head-to-Head Comparison
Key Differences
- Arch Lending has no rehypothecation vs Nexo's partial rehypothecation
- Nexo offers a lower starting APR (1.90% vs 7.25%)
- Arch Lending scores higher on safety (7.0 vs 5.3)
The Verdict
Which platform is right for you?
→ Pick Arch Lending if:
- • You want higher safety (7.0 vs 5.3)
- • You want no rehypothecation
- • You want higher LTV (60% vs 50%)
- • You prefer transparent tiered pricing
- • You don't hold NEXO tokens
→ Pick Nexo if:
- • You want same-day revolving credit
- • You hold NEXO tokens for loyalty discounts
- • You want no origination fees
- • You want a reusable credit line without a fixed-term structure
- • You want to borrow as little as $100
Share this comparison
Ready to compare your specific scenario? Use the comparison tool to input your loan amount, collateral, and preferred terms.