Arch Lending now accepts PAX Gold and Tether Gold as collateral, opening credit access to a class of investors that have largely sat outside digital-asset lending.
As gold’s recent run higher has renewed interest in the metal as a store of value, Arch Lending, the alternative-asset lending platform operated by ChainFi, Inc, today began accepting PAX Gold (PAXG) and Tether Gold (XAUT) as loan collateral at starting loan-to-value ratios of up to 75%.
Borrowing Against Gold Is Already Happening
Demand for credit against tokenized gold is documented rather than theoretical. On January 29, 2026, Aave governance data showed $24.99 million in outstanding debt against a $25 million isolated debt ceiling for Tether Gold, effectively full utilization, with the ceiling raised repeatedly in the following weeks as borrowing continued to fill available capacity.
That activity took place on a decentralized, DeFi protocol, at variable rates, without fiat funding or a regulated custodian. Arch Lending is the first institutional-grade lender to offer the same underlying trade through a regulated, custodial structure: fixed 12-month terms, funding in dollars or USDC, and eligible collateral custodied by Anchorage Digital, a federally chartered bank.
PAXG, issued by Paxos Trust Company, represents one fine troy ounce of gold from an LBMA-accredited London Good Delivery bar held in Brink’s vaults. XAUT, issued by TG Commodities Limited, represents one fine troy ounce from a London Good Delivery bar held in Swiss custody. Together they account for the overwhelming majority of a category that generated $90.7 billion in spot trading volume in the first quarter of 2026, according to CoinGecko, surpassing the $84.64 billion recorded across the whole of 2025.
A New Class of Borrower
Arch Lending is targeting a profile that has largely sat outside crypto lending: gold investors, wealth advisors, commodities traders, family offices, and corporate treasuries with existing precious-metals allocations.
“We’re seeing real demand from advisors and family offices with a gold sleeve who have never borrowed against it, because the process was slow and usually ended in a sale,” said Himanshu Sahay, Co-Founder and CTO of Arch Lending. “Tokenization fixed the plumbing. Credit is the part that makes it worth doing.”
Terms
Loans start at $250,000, generally with 12-month terms. Rates for monthly-payment loans begin at 9.25% APR between $250,000 and $750,000, comprising 8.50% interest and a 0.75% origination fee, falling to 7.25% APR above $5 million. Rates and fees are subject to applicable state requirements.
- $250,000 minimum loan size
- Up to 75% initial LTV
- 85% margin-call threshold
- 90% liquidation threshold
- Generally 12-month loan structures
- USD or USDC funding
- No credit score is used for loan approval. Eligibility requirements apply.
- No prepayment penalties
- 24-hour cure window
- Partial-only liquidation
- Eligible collateral custodied by Anchorage Digital N.A., which maintains $100 million of insurance coverage through Lloyd’s of London
- No rehypothecation
PAXG and XAUT now sit alongside Bitcoin, Ethereum, Solana, and XRP within Arch Lending’s collateral set, extending Arch Lending’s core Bitcoin-backed platform into a multi-asset credit ecosystem built around premier stores of value.
About Arch Lending
Arch Lending is a U.S.-based lending platform that lets holders of alternative assets borrow against their holdings without selling. Supporting Bitcoin, Ethereum, Solana, XRP, PAX Gold, and Tether Gold as collateral.
For more information visit: archlending.com.
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