Platform Comparison
Arch vs YouHodler: Safety and LTV Comparison
Compare Arch Lending and YouHodler for Bitcoin-backed loans. Safety scores (7.0 vs 4.0), APR, custody, LTV, and fees side by side.
Arch and YouHodler offer very different risk-reward profiles. Arch scores 7.0 on safety with no rehypothecation and 60% LTV, while YouHodler scores 4.0 with partial rehypothecation and quote-form LTV/PDL terms with a daily fee model. Arch targets institutional-focused borrowers with $5K+ loans, while YouHodler serves borrowers who need short-duration flexibility.
Arch is stronger on safety-score and LTV: 7.0 safety score (vs 4.0), no-rehypothecation language, and 60% LTV. It fits borrowers who want institution-style terms with clearer custody policies.
YouHodler is stronger on quote-form LTV flexibility and low minimums ($100) through its daily fee model. It fits borrowers who need very short-term liquidity and can verify the provider quote.
Head-to-Head Comparison
Key Differences
- Arch Lending has no rehypothecation vs YouHodler's partial rehypothecation
- YouHodler offers a lower starting APR (6.50% vs 7.25%)
- Arch Lending scores higher on safety (7.0 vs 4.0)
The Verdict
Which platform is right for you?
→ Pick Arch Lending if:
- • You want higher safety (7.0 vs 4.0)
- • You want no rehypothecation
- • You want 60% LTV
- • You have $5K+ to borrow
- • You value transparent tiered pricing
→ Pick YouHodler if:
- • You want lower minimums ($100 vs $5K)
- • You want flexible collateral
- • You need short-term loan options (30 days)
- • You're comfortable with partial rehypothecation
- • You want flexible repayment terms
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