ARCrypto is a private decentralized finance group teaching sophisticated capital how to borrow against crypto, tokenized equities, and stocks without forcing a sale or triggering a recognized disposal.

How can I borrow against my crypto?

On-chain lending markets and centralized providers extend USD or stablecoin loans against Bitcoin, Ethereum, and other crypto collateral, typically at single-digit rates. ARCrypto teaches the structure, liquidation thresholds, and counsel-aware framework.

What is Buy, Borrow, Die?

Buy, Borrow, Die is a wealth-management strategy: buy long-term appreciating assets, borrow against them instead of selling, and pass them to heirs at a stepped-up basis. ARCrypto teaches the on-chain version of the same playbook.

Are these strategies tax-compliant?

ARCrypto describes mechanical features of certain on-chain operations that are not realization events under common interpretations of major-jurisdiction tax law. ARCrypto does not replace tax counsel.

Principals with existing wealth managers, entrepreneurs digitizing and tokenizing their business with AI and DeFi, and beginners ready to learn. Three tiers: Galaxy, Apex, Gravity.

Crypto-Collateralized Loans for High-Net-Worth Investors: The 2026 Guide

Among ARCrypto members, the most common credit instrument is no longer a HELOC or a personal line. It is a crypto-collateralized loan — a USD or stablecoin loan extended against Bitcoin, Ethereum, or stablecoin collateral. Rates in 2026 sit between 5% and 9% APR for prime collateral, comfortably below traditional unsecured credit and competitive with securities-based lending from major banks.

How crypto-backed lending compares to securities-based lending

Securities-based lending (SBL) is the bank’s version: pledge equities, get a credit line, pay LIBOR/SOFR plus a spread. Typical LTV: 50–70%. Typical rate: 6–9%. Liquidation: gradual, sometimes negotiable. Custody: bank.

Crypto-backed lending is faster, more global, and structurally different. Typical LTV: 30–60% (lower because crypto is more volatile). Typical rate: 5–9%. Liquidation: automatic, often non-negotiable. Custody: depends — centralized (Ledn, Nexo, Aave-via-custodian) or decentralized (Aave, Morpho, Compound directly).

What to look at before you sign

Liquidation threshold and buffer. If a 30% drawdown forces liquidation, you need a buffer wide enough to survive normal market volatility.
Custody arrangement. Some providers segregate collateral; others rehypothecate. The difference is invisible until something breaks.
Rate structure. Floating vs. fixed, teaser rates, refinance options.
Counterparty risk. Centralized lenders have failed before. Decentralized protocols have smart-contract risk. Both are real and require modeling.

The use cases that justify the structure

Buying property without disposing of crypto holdings.
Funding a business without dilutive equity raises.
Bridging liquidity for tax payments without forcing a sale into a down market.
The Buy-Borrow-Die strategy, executed cleanly.

Where to start

Every ARCrypto Apex and Gravity member runs through the same playbook: model the liquidation math against the actual position, vet the lender, document the structure for counsel. Book a private call to walk through your situation, or browse the Crypto-Collateralized Loans field notes.