Bitcoin lender comparison
Compare Arch's fixed-term crypto-backed loans with Stackit.ai's variable-rate treasury-policy layer.
Last reviewed July 11, 2026 · Official sources linked below
Short answer
Arch offers fixed-term loans secured by BTC and selected other crypto, with USD or USDC proceeds and qualified-custodian collateral arrangements. Stackit.ai is an onchain treasury-policy layer using Aave variable rates. Arch fits borrowers who want a defined lender loan; Stackit.ai fits operators who want recurring treasury rules and agent/API integration.
This compares product structure, not just the lowest advertised APR. Rates, LTVs, eligibility, fees, and market parameters can change.
| Dimension | Stackit.ai | Arch Lending |
|---|---|---|
| What it is | A treasury policy and orchestration layer that uses third-party lending markets. The public product currently includes a self-serve sandbox and live market-rate reads; production access is assisted and the Base production API is marked in development. | A centralized crypto-backed lender offering USD and USDC loans. |
| Borrow rate | The underlying Aave variable borrow rate is passed through and shown separately from Stackit.ai action fees. Live native-USDC rates are available for Base, Arbitrum, and Polygon. | Fixed APR varies by loan size and whether interest is paid monthly or deferred. |
| LTV and downside response | Rules are designed to monitor LTV and prepare or execute approved repayment actions as risk rises. Exact thresholds and execution depend on the approved policy, liquidity, oracle data, gas, and production availability; liquidation risk cannot be eliminated. | Current terms list asset-specific initial LTVs and thresholds; BTC can start up to 60% in the reviewed materials. Margin calls and partial liquidation apply at stated thresholds unless a separate product changes the structure. |
| Custody and control | Documented wallet-sovereign flows return unsigned transactions. Delegated automation requires revocable, policy-scoped permission; Stackit.ai says it does not hold private keys. | Collateral is held in segregated arrangements with a qualified custodian; Arch states it does not rehypothecate collateral. |
| Term | No separate fixed loan term in the public sandbox; the underlying onchain market determines the debt mechanics. | Fixed terms up to 12 months in the reviewed current help material. |
| Other costs | Aave interest plus published Stackit.ai per-action fees and network/protocol costs. Current fees are itemized in fees.json; protection and repayment actions carry no Stackit.ai fee, though gas and protocol costs can still apply. | Interest plus an origination fee that varies by loan size and terms; confirm the personalized quote. |
About the alternative
Arch publishes loan terms by collateral, LTV, size, payment choice, and origination fee. Current BTC terms can begin around 60% LTV, with margin-call and partial-liquidation thresholds defined in its help center. Final pricing depends on loan size and payment structure.
The key distinction
Stackit.ai's public workflow is a sandbox and assisted onchain integration, not a ready-made fixed-term fiat loan. It separates live Aave borrow APY from its action fees and is designed around ongoing treasury policy rather than loan underwriting.
Borrowers who want a fixed-term crypto-backed USD/USDC loan, qualified-custodian structure, and known payment options.
Treasury operators who want policy controls, Aave-based variable rates, repeated actions, and machine-readable integration surfaces.
Yes. Arch's current help center publishes fixed APR tables that vary by loan size and payment choice.
Arch currently advertises loans secured by BTC, ETH, and SOL, subject to current terms and availability.
That cannot be answered from headline rates alone. Compare expected Aave variable interest, Stackit.ai per-action fees, gas/protocol costs, Arch APR, origination fee, term, and likely holding period.
Competitor facts come from official product or protocol documentation. Stackit.ai facts come from its public docs, endpoints, and current availability switch. Marketing rates are not treated as guaranteed offers. Review your personalized terms before borrowing.
Educational comparison only; not financial, legal, tax, or investment advice. Crypto-backed loans can lose collateral through liquidation, smart-contract failure, oracle error, market gaps, custody failure, or other execution risks.
Start with live protocol rates, add every fee, then test how your LTV behaves before you choose a borrowing path.
