How Bitcoin Is Powering a New Credit Market

In this episode, Nik welcomes Arch Lending CEO and co-founder Dhruv Patel to explore the emerging world of Bitcoin-backed lending. Dhruv explains how Arch provides overcollateralized loans to individuals and institutions, using Bitcoin as pristine collateral without rehypothecation. The conversation covers risk management, loan-to-value dynamics, interest rate trends, and why credit markets help legitimize Bitcoin as an asset class. Nik also breaks down the layered money framework and how Arch’s CLO facility taps institutional capital to fund loans. This episode offers a deep dive into Bitcoin’s growing role in the credit system and the long-term implications for economic growth.

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