Arch Lending Brings Tokenized Gold Borrowing to Institutional Investors
Arch Lending has begun accepting tokenized gold as collateral for loans on its platform. The alternative-asset lending platform, operated by ChainFi, Inc., allows investors to borrow against PAX Gold and Tether Gold with starting loan-to-value ratios of up to 75%. This move makes Arch Lending the first institutional-grade lender to bring tokenized-gold borrowing into a regulated, custodial structure.
The demand for credit against tokenized gold is already evident. On January 29, 2026, Aave governance data showed $24.99 million in outstanding debt against Tether Gold, with the ceiling raised repeatedly as borrowing continued to fill capacity on a decentralized protocol.
Arch Lending offers fixed 12-month terms and funding in dollars or USDC, with collateral custodied by Anchorage Digital, a federally chartered bank. Loans start at $250,000, with monthly-payment rates beginning at 9.25% APR between $250,000 and $750,000 and falling to 7.25% APR above $5 million.
The addition of PAX Gold and Tether Gold as collateral brings a new class of borrowers onto the platform. Arch Lending is targeting gold investors, wealth advisors, commodities traders, family offices, and corporate treasuries with existing precious-metals allocations.