Relai vs Arch (Bitcoin-Backed Loans)

Relai (exchange and brokerage) and Arch (Bitcoin-Backed Loans) (yield and lending) serve different corners of the Bitcoin ecosystem, but the question that matters most is the same: who controls the keys? Relai scores 78/100 (B+) versus 62/100 (C+) for Arch (Bitcoin-Backed Loans). The 16-point spread is meaningful — it usually comes down to custody architecture and fee structure.

Where Each Platform Wins

Custody and security — the most heavily weighted category in our methodology at 35% — tilts 34 points toward Relai (82 vs. 48). Relai eliminates single points of failure in its custody architecture, while Arch (Bitcoin-Backed Loans) relies on a model where one compromised entity could put your bitcoin at risk.

The Custody Question

Here's the key difference: Relai has no single point of failure (Non-Custodial), while Arch (Bitcoin-Backed Loans) does (Qualified Custodian Collateral). This matters because a single-point-of-failure model means one compromised entity — whether through a hack, insolvency, or government action — could result in total loss of funds. History has proven this risk is not theoretical. FTX, Celsius, and BlockFi all represented single points of failure for their users.

Bottom Line

Relai is the clear choice here, outscoring Arch (Bitcoin-Backed Loans) by 16 points across our six-category methodology. Keep in mind these platforms target different audiences — Relai is built for europe, while Arch (Bitcoin-Backed Loans) serves hnw borrowers. One thing to watch with Arch (Bitcoin-Backed Loans): single custodian for collateral. liquidation risk. premium rates.. The data speaks for itself — but always verify our methodology and do your own due diligence before moving bitcoin to any platform.