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OUR APPROACH

Comparisons you can examine.

We favor evidence over a headline rate. Here is what that means, what we reviewed and where the limits are.

What this resource is

CryptoLoans is an editorial guide to borrowing against digital assets. It is not Ledn’s official website, a lender, a broker or a loan application service. The shortlist is selective, not a census of the market. It is intended for general research and is not directed at UK consumers.

How to use these comparisons

Compare the product against your collateral, location and repayment plan. The directory does not award an editorial winner. Documented operating history, public reporting, collateral permissions and total cost are all relevant; none alone establishes that a provider is suitable for every borrower.

We do not assign invented numeric scores or claim to have personally borrowed from every provider. Product statements are attributed to their sources, and analysis is distinguished from those statements.

The questions behind each comparison

  1. Evidence: What operating history and documentation can a borrower inspect?
  2. Collateral: Who controls it? Can it be re-posted? Does borrowing introduce a wrapped token or a smart contract?
  3. Cost: What is the rate basis, fee treatment, amount tier and net disbursement?
  4. Control: What happens after a price drop, early repayment or maturity?
  5. Fit: Does the asset, location, loan purpose and repayment plan match the product?

What the trust evidence does—and does not—establish

Ledn’s Open Book Report describes The Network Firm’s role in reporting specified balances and calculations. Its own disclaimer says that this reporting is not an audit, review or attestation and expresses no assurance opinion. The separate Proof of Reserves engagement has its own scope and snapshot date. We do not describe the two as interchangeable or as a full audit of the company.

The reported BBB− rating concerns senior notes in a particular asset-backed security. It is not a corporate rating of every Ledn obligation, insurance on customer Bitcoin or protection from liquidation. S&P’s digital-assets coverage identifies the Ledn Issuer Trust 2026-1 transaction.

Operating history and loan volume are context, not guarantees. A claim about protecting client assets also should not be confused with a claim that no borrower has ever been liquidated under a loan agreement.

Source hierarchy and conflicting numbers

We use current provider product pages, help-center policies and rating-agency material before secondary comparison sites. Internal background research informs the questions we ask; the public claims on this site link to public evidence.

For Ledn rates, we use the dedicated pricing section of its Bitcoin-backed loan page. At review, that page contained conflicting numbers elsewhere. Arch’s rate page also had a discrepancy between a paragraph and its complete table. Both are recorded in the rates guide. An account-specific offer remains more authoritative for a transaction than this research.

Dates and maintenance

The first source review was completed on October 31, 2026. Dates are attached to actual research snapshots, not automatically advanced by the calendar. This release has no live rate feed and no unattended refresh process. Before a later publication, review the primary sources and update the shared provider data, rates and affected comparisons together.

Data and calculator limitations

The calculator uses simple interest, a constant balance and one payoff. It can model a deducted or financed fee, but it does not calculate a statutory APR, liquidation proceeds, taxes, variable-rate paths or compounding. Inputs stay in your browser.

Each comparison links to the documents behind its conclusions so you can inspect the evidence and reach your own decision.

Primary-source directory