Exchange Ranking
Top Exchanges
24h Volume Ranking
Popularity Ranking
Exchange BTC Balance
Proof of Reserves
Decentralized Exchanges
Funding Rate
Funding Heatmap
Liquidation Data
Max Pain
Long/Short Ratio
Whale L/S Ratio
Binance/Okex/Huobi L/S
Bitfinex Margin L/S
ETF Tracker
Solana ETF
XRP ETF
Hong Kong ETF
Bitcoin Treasuries
Crypto Reversal
Ethereum Reserves
HyperLiquid Wallet Analysis
Hyperliquid Whale Watch
Large Transactions
On-chain Movement
Bitcoin ROI
Stablecoin Market Cap
Options Analysis
News
Articles
Economic Calendar
Features
Wallet
Contract Calculator
Security
Collections
Watchlist
Following
BTC 
ETH 
PAXG 
SOL 
XRP 
XAUT Arch Lending accepts PAX Gold and Tether Gold as collateral, ushering in a new era of tokenized gold lending
Developed by ChainFi, Inc. Arch Lending, an alternative asset lending platform that operates, announced on September 1 that it has begun accepting PAX Gold and Tether Gold as collateral, with an initial loan-to-value ratio of up to 75%. The move opens up credit channels for investors who have long been largely excluded from digital asset lending.
According to details released by the company, this expansion makes the platform the first institutional lender to include tokenized gold lending in a regulated custody structure rather than a decentralized agreement.
Gold-backed lending has become a reality
The need to obtain credit with tokenized gold as collateral is not a theoretical speculation, but is supported by data. On January 29, 2026, Aave's governance data showed that among the $25 million independent debt ceiling for Tether Gold, outstanding debt reached $24.99 million, and the actual utilization rate was close to 100%. As borrowing demand continues to grow, the debt ceiling has been raised several times. The activity runs on decentralized agreements, with floating interest rates, and does not involve fiat currency financing or regulated custodians.
Arch Lending offers the same underlying transaction, but uses a fixed 12-month term, is funded in US dollars or USDC, and is held by federally chartered bank Anchorage Digital.
Terms and Collateral Details
PAX Gold is issued by Paxos Trust Company and represents one troy ounce of pure gold stored in Brink vaults in London gold bars certified by the London Bullion Market Association for Good Delivery. Tether Gold is issued by TG Commodities Limited and represents one troy ounce of London qualifying delivery gold bars stored in Swiss custody.
The initial amount of the loan is US$250,000 and the term is 12 months. The monthly interest rate in the range of $250,000 to $750,000 is 9.25% annualized, while loans above $5 million fall to 7.25% annualized. According to data, the categories supported by these two tokens generated spot trading volume of US$90.7 billion in the first quarter of 2026, exceeding US$84.64 billion for the whole of 2025, showing an accelerated growth trend.
New borrower group
Arch Lending's target customers include gold investors, wealth advisers, commodity traders, family offices and corporate finance departments with precious metals configurations. Himanshu Sahay, co-founder and chief technology officer of the company, said: "We are seeing real demand from advisers and family offices who have gold positions but have never taken out a mortgage because traditional processes are slow and often end in a sale. Tokenization solves the infrastructure problem, and credit is what makes it all valuable."
Today, PAXG and XAUT have been included in the mortgage portfolio along with Bitcoin, Ethereum, Solana and XRP, continuing the model of institutional cryptocurrency lenders working with Anchorage Digital to strengthen credit infrastructure.
