Arch Acquires Mortgage Platform Horizon, Crypto Assets Can Be Used as Collateral for Home Purchases

on Nov. 9, according to an announcement from Arch Network's official X account on Nov. 5, Bitcoin ecosystem protocol Arch has acquired the U.S. housing finance platform Horizon. The transaction amount was not disclosed. Horizon offers Home Equity Lines of Credit (HELOCs) and helps buyers complete real estate transactions by using crypto assets as collateral, allowing them to pay down payments or purchase prices without first selling Bitcoin.

Arch Prime is Arch's user-facing on-chain bank account, where users can hold native Bitcoin, earn yields, borrow against asset portfolios, and trade within the same account; following integration, the account will also support home purchases and access to home equity. According to Horizon's official website, its product converts home equity into Bitcoin exposure, emphasizing no monthly payments, retention of home ownership, no time limits, and no income thresholds.

Both parties stated that this resolves the pain point for crypto holders who previously had to sell assets before buying a home: selling triggers tax obligations and forfeits future upside, while keeping tokens in the account as collateral preserves asset exposure during property purchases. Arch Prime indicated it will integrate Horizon's lending operations into its account ecosystem, though specific launch dates and eligible regions have not been announced.