Stephan Livera Podcast Bitcoin Loans at Arch | Dhruv Patel SLP720
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Feb 12, 2026 Dhruv Patel, CEO of Arch Lending — building Bitcoin-backed loans and tailored crypto finance. He explains how Bitcoin loans work, custody and no-rehypothecation practices. They cover LTVs, risk-managed borrowing, specialized products like perpetual income and tax-focused loans, funding structures, and future growth of Bitcoin lending.
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Tailored Loan Products
- Arch builds tailored products on top of basic loans like 'Perpetual Income' and 'Tax Shield'.
- These products target retirees and high earners wanting steady cashflow or tax-advantaged mining investments.
Stress-Test Your Borrowing Plan
- Keep spare Bitcoin or cash aside to handle margin calls and avoid using your entire stack as collateral.
- Use loan proceeds partly as cash reserves so you can either add collateral or pay down principal during stress.
Choose A Conservative Starting LTV
- You do not have to start at the maximum 60% LTV; choose a lower LTV based on your risk tolerance.
- Arch offers clients control over their starting LTV to fit individual risk profiles.