The Bitcoin Treasuries Podcast with Tim Kotzman

Arch Lending CEO Dhruv Patel on Bitcoin Backed Loans

Apr 1, 2025

Dhruv Patel, CEO and Co-founder of Arch Lending, shares his fascinating journey from a fintech startup to revolutionizing Bitcoin-backed loans. He discusses the strategic advantages of using Bitcoin as collateral and how it helps borrowers avoid liquidating assets. The conversation delves into the diverse clientele Arch serves, from individuals to businesses, and the impact of interest rates on lending practices. Dhruv also highlights partnerships, especially with OnRamp, and explores Bitcoin's adoption trends among both private and public companies.

25:19

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Episode guests

Dhruv Patel

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Episode notes

Podcast summary created with Snipd AI

Quick takeaways

Dhruv Patel discusses his transition from Bridgewater to founding Arch Lending, emphasizing the need for financial services tailored to Bitcoin investors.

The podcast highlights Arch Lending's adaptive approach in offering flexible loans against appreciating Bitcoin assets to enhance borrower confidence.

Deep dives

Early Exposure to Bitcoin

The guest shares his journey of discovering Bitcoin during his college years at UC Berkeley in 2017, where the growing interest in blockchain technology was palpable among his peers. Experiencing a burgeoning ecosystem, he recalls initial incentives from platforms like Coinbase, which encouraged students to purchase Bitcoin with promotional offers. Throughout his career at Bridgewater, he noted the dramatic price fluctuations of Bitcoin, observing its rise from $3,000 to $20,000 and back, which deepened his curiosity. His early experiences laid the groundwork for a lasting fascination with Bitcoin and its potential as a financial asset.

Intro

2min

Navigating Bitcoin Lending

7min

Evolving Interest Rates in Bitcoin-Backed Lending

2min

Diverse Borrowers: Bitcoin-Backed Loans Uncovered

5min

Developing Partnerships and Trends in Bitcoin Adoption

4min

Bitcoin Treasury Strategies: Public vs Private Companies

6min

Dhruv Patel, CEO & Co-Founder of Arch Lending, joins the show to discuss launching Arch Lending, their partnership with Onramp, and what trends he is seeing in the Bitcoin space.

- this episode is sponsored by Onramp - $150 in Bitcoin to get your account started.

https://onrampbitcoin.com/

- This episode is sponsored by Stamp Seed. Use the code "Tim15" at check out for 15% off site wide

https://www.stampseed.com/

Disclaimer: NOT FINANCIAL ADVICE - For entertainment purposes only.

Tim Kotzman on X: https://x.com/TimKotzman

Dhruv Patel on X: https://x.com/dpatel_34

0:00 - Intro

0:32 - Dhruv’s background and journey to Bitcoin

1:55 - Were other people into Bitcoin when Dhruv discovered it?

2:59 - Going from Bridgewater to founding Arch Lending

4:13 - What were the conversations like when launching Arch?

6:16 - What is a CLO facility?

6:50 - Buying and borrowing

9:40 - Could Arch lower its interest rates over time?

11:08 - The range of Arch Lending clientele

13:07 - What questions does Dhruv and Arch most often get?

15:47 - Arch’s partnership with Onramp

17:52 - Will there be more customer growth on the individual or corporate side?

19:25 - Public vs private companies adopting Bitcoin Treasury strategy

22:34 - If Bitcoin volatility decreases, would the loan-to-value increase?

23:24 - Where to learn more about Arch Lending

23:52 - Final thoughts and a question for Tim

#podcast #bitcoin #microstrategy #investing #mstr #btc

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