Looking to unlock liquidity without selling your Bitcoin? Ledn gives you verifiable custody, clear legal protection, and consistent performance.
See how it compares to Arch Finance and why security-minded Bitcoin holders choose Ledn.
Ledn vs Arch Finance: What’s the difference?
Arch Finance is a DeFi platform that enables users to invest in a range of digital assets. Its decentralised model gives you control, but you also have to deal with regulatory, legal, and operational responsibilities yourself.
Ledn is built for people who value security, legal clarity, and simplicity. It offers dollar loans backed by Bitcoin with clear custody terms, fast approvals, and no monthly payments.
Ledn Cayman SEZC Inc., which provides Ledn’s lending products (other than Ledn Growth accounts), is regulated as a Virtual Asset Service Provider (VASP) by the Cayman Islands Monetary Authority (CIMA).
At a glance: Ledn vs Arch Finance
3 reasons why Ledn is the better choice
1. Audited transparency, not protocol opacity
Ledn was the first digital asset lender to complete an independent Proof-of-Reserves attestation, and it continues to publish these audits every six months. Arch Finance does not disclose reserves or provide similar assurances.
2. Legal protection you can rely on
Ledn uses real legal agreements, adheres to global disclosure laws, and avoids operating in jurisdictions where it lacks licensing. With Arch, you take on more legal risk as the DeFi protocol replaces traditional accountability.
3. Built for long-term Bitcoin holders
Ledn's loans start from just $500, don’t require monthly payments, and preserve your Bitcoin exposure. Arch only offers crypto investments, with no clarity on income, tax treatment, or long-term asset security.
Why bitcoin holders choose Ledn over Arch Finance
Ledn is focused on safety, not speculation. While Arch offers broad exposure to digital assets, Ledn offers targeted, verifiable lending designed for those who want to hold Bitcoin, access capital, and sleep well at night.
Custody-first, not contract-first
Ledn holds your Bitcoin with qualified custodians and doesn’t lend it out. You know where your assets are, and that they're safe. Arch’s decentralised design provides asset separation but lacks the same level of real-world assurance.
Clear agreements, not code risk
Ledn provides proper legal contracts, offering clients protection under established financial and consumer laws. With Arch, you're relying on a protocol. If something goes wrong, there’s no legal recourse.
We are bigger than all other crypto lenders...combined
Ledn is the biggest consumer crypto lender, with over $9 billion in loan originations since 2018 thanks to our unbroken track record.
Loans funded since 2018
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Your collateral is secure
Collateral is held in custody with Ledn or our funding partner. Neither Ledn nor our funding partners have the right to lend out the collateral. Your Bitcoin is safe.
Unmatched speed and flexilibity
Once collateral is received, our current funding ETA is 6.9 hours with no credit checks required. Repay whenever you want, without penalty. Use our auto top up feature to protect your collateral from Bitcoin price fluctuations.
We strive for ever-more competitive rates
We are committed to offering the most competitive rates possible to our customers.
Global accessibility is at the core of our mission
We believe in the power of Bitcoin to provide fair access to credit, no matter where you’re located.
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Why hodlers love Ledn
Ledn is gonna take over
Ledn's Founding Story
What started as a passion project with a few close colleagues has grown to a global company with 50+ employees, offering a full suite of lending, savings and trading products in over 120 countries. Ledn strives to improve the everyday lives of Bitcoin holders today, while building generational wealth for the future. Through its products & services, Ledn makes a difference in the lives and futures of its clients - in real terms.