Arch Lending Adds PAX Gold and Tether Gold as Collateral for Crypto-Backed Loans
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.
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