Last quarter we shipped the first transparent, size-based rate table in crypto lending. Today we go further. Arch is dropping rates platform-wide and simplifying the size-tier structure for our clients. We now have the lowest qualified custodian rates in our industry!

The IRS taxes what you sell. Not what you borrow against. Same cash in your account. But one version shares years of your gains with the government. One doesn't.

Somewhere in your portfolio right now sits a number the IRS has never seen. Your unrealized gain. It has grown through every cycle you held and it will keep compounding for as long as you let it. The moment you sell, that silence ends. Years of appreciation land on a single tax return, in a year you may not have chosen, at a rate you may not have planned for. The moment you borrow against it instead, nothing lands anywhere. Your gain stays invisible while cash arrives anyway.

Most people think Bitcoin holders spend their Bitcoin by choice. They don't. They spend it because borrowing against it isn't available to them. In the US and Europe, those structures exist. In South Africa, they don't. Arch is working to bring Bitcoin-backed lending there. Because access to credit changes everything.

There are two clocks on your Bitcoin. The market's clock, which you can't control. And the tax clock, which starts only when you sell. If you sell during a dip, both clocks work against you. If you borrow instead, the tax clock never starts. You can't time the first clock. You fully control the second.

A lot of people lost their Bitcoin trusting the wrong lenders. Rehypothecation. Mismatched deposits. Undercollateralized loans. We started Arch right in the middle of that mess because we believed there was a better way to do this. Turns out, there was.

This is what we love to see. A client sailing the Caribbean on a boat funded by borrowing against his Bitcoin. Don't wait to live life. He didn't.

You should never have to guess where your loan stands. Your LTV, your margin thresholds, your loan documents, and your full transaction history are all visible from the moment you log in. When everything lives on the dashboard, there is nothing left to surprise you later. We built it that way because trust is easier to keep when you can verify it yourself.

Deferral is the most underrated tool in your stack. Every year you don't sell, the tax bill stays at zero. If you sell today, years of appreciation get taxed at once. If you borrow against your Bitcoin, the appreciation keeps compounding untaxed. The IRS is patient. The question is whether your cash needs let you be.

10 years from now, Bitcoin maxis won't be spending their $BTC because they can't get more of it. The ones who figured this out early are already borrowing against it instead.

Your conviction can survive volatility. It's the cash needs that can break it: • A house • A tax bill • A hard month None of them require you to sell your Bitcoin.

The clearest proof that Bitcoin is a reserve asset and not money is what the largest holders are doing with it right now. Companies are putting Bitcoin on the balance sheet where cash used to sit. And when they need liquidity, they borrow cash against the Bitcoin rather than spending it. That is not how you treat money. That is exactly how you treat a reserve asset. The individual holders who understand this early tend to arrive at the same conclusion: 1) Hold the Bitcoin 2) Borrow the dollars Let each do its job.

Self-custody solves who controls your Bitcoin. But it doesn't solve the moment you need cash. If you sell, the stack you protected shrinks and the gain gets taxed. If you borrow against it, you get cash without selling. Your stack survived the drawdowns. Now the question is whether it survives your life expenses.

Two facts: • You can't unsell your Bitcoin. • The IRS can’t tax what you never sold. Bitcoin holders ultimately face a choice. Realize gains now and pay tax. Or keep deferring them by continuing to hold.

Holding dollars costs you around 7% a year in purchasing power. So every year you hold cash, roughly 7% of its value evaporates. Bitcoin doesn’t work that way. It’s not money. It’s a reserve asset. You don’t hold it to spend it. You hold it because it doesn’t bleed value over time the way everything else does. The dollars you borrow against it do the spending. The Bitcoin just sits there, doing what no other asset can do.

The people who call Bitcoin money tend to spend it. The people who call it a reserve asset tend to hold it for decades. The belief shapes the behavior, and the behavior shapes the outcome. Money gets spent. Reserves get borrowed against. We believe ten years from now, the gap between those two groups is going to be very wide.

@ArchLending is the best BTC-backed lending product I’ve used (I’ve used Figure Markets and Strike Lending). They are secure, transparent, and flexible.  1. Seamless UX and Transparency: Their design provides instant visibility into all key loan metrics. This removes the risk of hidden fees and ambiguous margin call mechanics. Loan docs are easily accessible and transaction history is accurate. 2. Dynamic Refinancing: You can re-up on a loan as your LTV decreases either through principal appreciation or principal repayment. 3. Zero re-hypothecation. Your UTXO’s are stored in isolation and never borrowed against. 4. Premium Support: Their dedicated team is responsive and knowledgeable. 5. Tech Stack: @ArchLending owns their tech stack and can provide flexibility during extreme volatility. Many other companies white label Coinbase custody and can’t modify or stop existing automated processes - leaving you susceptible during drawdowns. 6. BTC Supporters: The team at @ArchLending is filled with actual bitcoiners not TradFi employees trying to capture a spread. They sponsor many events and are actively involved within the community.