Institutional Bitcoin-backed lending from the first OCC-chartered U.S. digital asset bank. Flexible credit facilities for funds, family offices, and corporate treasuries.
Interest Rates
APR Range4% - 12%
Origination FeeCustom (contact for pricing)
Loan Details
Minimum Loan$500,000
Maximum LoanNo stated maximum
Max LTV60%
Example Loan Calculation
Based on a $50,000 loan at 4% APR over 24 months
Interest-only option
$167
Monthly Payment
$50,000
Payment Due at Maturity
$4,000
Total Interest
Illustrative estimate only. Actual rates, fees, payment schedules, and payoff amounts may vary.
Frequently Asked Questions About Anchorage Digital
Anchorage Digital offers Bitcoin-backed loans starting at 4% APR up to 12% APR. Actual rates depend on loan-to-value ratio, loan amount, and term length.
The minimum loan amount at Anchorage Digital is $500,000. This allows both small and large borrowers to access Bitcoin-backed lending.
Anchorage Digital is an established Bitcoin lending platform. We recommend reviewing their custody practices, regulatory status, and user reviews before proceeding. Never invest more than you can afford to lose.
Anchorage Digital offers a maximum loan-to-value (LTV) ratio of 60%. This means you can borrow up to 60% of your Bitcoin's current value. Higher LTV means more borrowing power but also higher liquidation risk.
Anchorage Digital offers loan terms of 1 to 24 months. Bullet or amortizing; interest-only options available
About this analysis
21Rates Editorial TeamBitcoin Financial Research Analysts
Our research team analyzes Bitcoin lending platforms using proprietary risk scoring, rate comparison data, and user reviews. We independently verify lender terms and maintain up-to-date information to help you make informed borrowing decisions.
Last verified: July 2026