Arch Lending Opens Credit Doors to Gold Investors with PAXG and XAUT

Arch Lending has expanded its collateral options for crypto-backed loans to include PAX Gold (PAXG) and Tether Gold (XAUT). This move allows a new class of investors, who have previously sat outside digital-asset lending, to access credit. The platform now accepts these two gold-backed tokens as collateral at starting loan-to-value ratios of up to 75%. Borrowers can expect fixed 12-month terms, funding in dollars or USDC, and eligible collateral custodied by Anchorage Digital, a federally chartered bank.

The addition of PAXG and XAUT follows the recent rise in gold's value, which has renewed interest in the metal as a store of value. According to Aave governance data, there was already significant demand for credit against tokenized gold, with $24.99 million in outstanding debt against Tether Gold on January 29, 2026.

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. The platform's terms include loan sizes starting at $250,000, rates ranging from 7.25% APR to 9.25%, and a 0.75% origination fee.