Arch Acquires Mortgage Platform Horizon, Enabling Crypto Assets to Serve as Home-Purchase Collateral

TechFlow reported on November 9 that, according to an announcement from the official Arch Network X account on November 5, Bitcoin-ecosystem protocol Arch has acquired U.S. home financing platform Horizon; the transaction amount was not disclosed. Horizon offers home equity lines of credit (HELOCs) and helps homebuyers use crypto assets as collateral to complete closing, allowing them to pay the down payment or purchase price without first selling Bitcoin. Arch Prime is Arch's user-facing on-chain banking account, where users can hold native Bitcoin, earn yield, borrow against and trade asset portfolios within a single account; once integration is complete, the account can also support home purchases or home equity draws. According to Horizon's official website, its product converts home equity into Bitcoin exposure, emphasizing no monthly payments, retained home ownership, no term limits, and no income requirements. Both parties said this addresses the pain point for crypto holders who must sell assets before buying a home: selling triggers tax liabilities and forfeits subsequent upside, while keeping assets in the account as collateral allows them to purchase a home while maintaining asset exposure. Arch Prime said it will integrate Horizon's lending services into its account system; the launch date and eligible regions have not yet been announced.

Source: TechFlow