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.

HNW (High Net Worth)

ARCIPEDIA · FAMILY OFFICE

Plain English

HNW (High Net Worth) is a classification typically defined as $1 million or more in liquid investable assets, excluding the primary residence. Some institutions use $5 million as the threshold. It is the marker for private banking access, dedicated wealth advisory, and specialized tax and estate services.

How it actually works

HNW thresholds matter because of access. Below $1M, you have retail products and retail-grade advisory. Above $1M, you qualify for private banking lines, tailored portfolios, and (typically) more sophisticated tax planning. Above $5M (very high net worth, VHNW), you start qualifying for institutional-grade products. Above $30M, you become ultra-high net worth (UHNW) and the family-office structure becomes economical.

What it means for you

For members at the HNW threshold, the relevant question is which advisory infrastructure to use. Private bank? Dedicated RIA? Multi-family office? The answer depends on the complexity of your situation, not just the dollar amount.

How ARCrypto teaches this

We teach HNW members how to coordinate crypto-specific strategies with traditional wealth-management infrastructure. The goal: integration, not fragmentation.

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Educational content only. Not investment, tax, or legal advice.