Earn Yield on Bitcoin
Earn yield on your bitcoin and Tether (USDT)
Access instant, flexible liquidity
Industry-Leading Low Effective Rates
Arcus delivers unprecedented cost efficiency through our dynamic lending pool model, allowing you to earn while you borrow
How Effective Rates Work
Deposit BTC, Earn Yield
Your BTC earns 4.80% APY while in our lending pool
Borrow Stablecoins
Pay only 6.50% APR on your borrowed amount
Result: Effective Rate
Your effective borrowing cost drops to only 1.70%
Compare Borrowing Costs
Industry Average
Arcus Base Rate
Arcus Effective Rate
* Based on typical rates for institutional clients
The Arcus Dynamic Utilization Model
Our rates adapt to market conditions through a utilization-based model similar to Aave, ensuring optimal capital efficiency while maintaining competitive borrowing costs.
By earning yield while borrowing, you can achieve effective rates as low as 1.70% - a fraction of traditional finance solutions.
Industry-Leading Yield Rates
Earn competitive returns on your digital assets with our secure, transparent lending platform
Bitcoin (BTC)
Earn yield on your Bitcoin while maintaining custody through our multi-signature security framework
Tether (USDT)
Maximize returns on your stablecoins with competitive rates and the security of Taproot Assets
Lend and Borrow in Three Easy Steps
Our straightforward process gets you from signup to earning yield or accessing loans quickly and securely
Create Your Account
Sign up for an Arcus account in minutes. Our institutional-grade platform ensures your assets remain secure with multi-custodial protections.
Deposit Assets
Deposit Bitcoin or USDT and start earning yields immediately. Daily yield updates are credited directly to your account.
Access Flexible Loans
After a few confirmations, borrow stablecoins or BTC from isolated lending pools. Repay anytime while maintaining a healthy credit score.
World-Class Partnership Network
Arcus leverages strategic partnerships with industry leaders to deliver an unparalleled security and service infrastructure. Our partnerships enable us to offer the most secure, reliable, and compliant Bitcoin custody and yield generation platform available.
Fireblocks
Institutional-grade digital asset security and custody infrastructure
Joltz
Bitcoin and Taproot Asset payment solutions
Bitcoin Startup Lab
Bitcoin innovation incubator and accelerator
UniSat
Bitcoin-focused blockchain service provider