Lending interface comparison
Compare Onramp's Arch-powered Bitcoin loan experience with Stackit.ai's onchain treasury-policy and agent layer.
Last reviewed July 11, 2026 · Official sources linked below
Short answer
Onramp offers Bitcoin-backed loans through a partnership with Arch Lending, combining consultation and custody-oriented Bitcoin services with Arch's loan. Stackit.ai is an onchain BTC/ETH treasury-policy and integration layer. Onramp fits clients wanting white-glove Bitcoin financial services; Stackit.ai fits teams and agents building recurring treasury workflows.
This compares product structure, not just the lowest advertised APR. Rates, LTVs, eligibility, fees, and market parameters can change.
| Dimension | Stackit.ai | Onramp |
|---|---|---|
| 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 Bitcoin financial-services interface partnering with Arch Lending for the actual loan. |
| 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. | Arch loan pricing applies and varies by current terms, size, and payment structure. |
| 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 Onramp support material describes borrowing up to 50% LTV, a margin call at 70%, and partial liquidation at 80%. The borrower adds collateral or repays after a margin call; Arch may partially sell BTC to restore LTV under the agreement. |
| 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. | BTC is held in a segregated address with a qualified custodian under the Onramp/Arch arrangement. |
| Term | No separate fixed loan term in the public sandbox; the underlying onchain market determines the debt mechanics. | Fixed terms up to two years are described, subject to current Arch agreement terms. |
| 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. | Arch interest and origination terms apply; current terms should be confirmed in the personalized agreement. |
About the alternative
Onramp's current loan product is provided by Arch, not by Onramp itself. The workflow supports USD or stablecoin proceeds, real-time LTV monitoring, segregated qualified custody, and fixed loan terms defined by Arch.
The key distinction
Onramp's value is a consultative Bitcoin wealth/custody interface around an Arch loan. Stackit.ai's value is treasury policy and machine operation across BTC and ETH, using onchain rate data and transaction workflows rather than a white-glove loan referral.
Bitcoin clients who value consultation, qualified custody, and an Arch-originated fixed-term loan inside a broader Bitcoin service relationship.
Businesses and agents that value self-serve testing, policy state, onchain Aave rates, and programmatic treasury operations.
Onramp's official disclosure says lending services are provided by ChainFi, Inc., doing business as Arch Lending, an independent entity.
The underlying loan is from Arch, but the customer journey differs: Onramp adds consultation, dashboard, and Bitcoin custody/wealth-service context.
Stackit.ai's sandbox is self-serve, while production is assisted. Onramp's reviewed flow begins with a consultation or direct Arch signup.
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.
